Revenue minus cost of goods sold. Graham's ≥40% threshold identifies businesses with durable pricing power. Note: software and financial companies naturally exceed this; retailers and manufacturers rarely reach it due to their cost structures.
Operating Margin-151.8%
Profit after operating costs before interest and taxes. A consistent ≥15% operating margin signals a business with real competitive advantages. Capital-intensive industries (airlines, auto, commodities) rarely hit this threshold due to their structural cost base — compare within industry for context.
Net Income Margin-184.9%
Bottom-line profit as a percentage of revenue. The ≥20% target reflects Buffett's preference for highly profitable businesses. Financial engineering (buybacks, tax optimisation) can inflate this temporarily — look for consistency across multiple years rather than a single strong result.
Financial Health
F
Years to Pay Off Debt-0.5 yrs
Total Debt ÷ Net Income. Lower = stronger balance sheet. Important caveat: utilities, telecoms, REITs, and infrastructure companies carry large structural debt by design — their bond-like cash flows service it comfortably at ratios that would alarm Graham. Compare within sector.
Working Capital vs Long-Term Debt-$21M
Working Capital minus Long-Term Debt. Negative results are common and expected in capital-return-focused businesses like Apple, Domino's, and McDonald's — where aggressive buybacks and dividends intentionally reduce book equity. This does not indicate financial distress in high-FCF businesses.
Working Capital-$21M
Current Assets minus Current Liabilities. Negative working capital can be a deliberate efficiency strategy in businesses that collect cash before paying suppliers (retailers, fast food franchises, subscription businesses). Assess alongside free cash flow generation for full context.
Valuation
A
Price-to-Book0.40x
Market price vs book value per share. Rarely below 1.5x for quality businesses today. Intangible assets (brand, software, patents) don't appear on the balance sheet under accounting rules, making P/B artificially high for asset-light companies like software and consumer brands.
Cash Flow
F
Free Cash Flow-$16M
Operating cash flow minus capital expenditures. Buffett's most important metric — cash a business actually generates for its owners after maintaining and growing its asset base. Consistently positive FCF is one of the strongest indicators of a durable, well-run business regardless of accounting profits.
About Banzai International, Inc.
Banzai International, Inc., a marketing technology company, provides data-driven marketing and sales solutions for various businesses in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through three segments: Banzai Operating Co., Inc; OpenReel; and Vidello. The company's software-as-a-service products include OpenReel, an AI-powered video creation platform to remotely record, edit, host, and share videos from any location; CreateStudio, a video animation and editing software for an intuitive drag-and-drop interface; and Vidello, a video hosting and marketing platform designed to help businesses manage, customize, and optimize their video content. It offers Demio, a browser-based webinar platform for businesses to businesses create, host, and manage both live and automated webinars; Boost, an add-on product integrated with Demio that helps customers increase webinar attendance by turning existing registrants into advocates; Reach, a targeted outreach tool that helps customers boost demand generation campaigns by connecting directly with ideal audience; and Curate by Banzai is an AI-driven newsletter platform designed to help brands to grow their audience through automated targeted newsletters. In addition, the company offers Photo Vibrance, transform static images into dynamic visuals; and Twinkle, enhance video content with royalty-free audio. It serves healthcare, financial services, e-commerce, technology, media, and other industries. Banzai International, Inc. was founded in 2015 and is based in Bainbridge Island, Washington.
Banzai International, Inc., a marketing technology company, provides data-driven marketing and sales solutions for various businesses in the Americas, Europe, the Middle East, Africa, and the Asia Pacific. It operates through three segments: Banzai Operating Co., Inc; OpenReel; and Vidello. The company's software-as-a-service products include OpenReel, an AI-powered video creation platform to remotely record, edit, host, and share videos from any location; CreateStudio, a video animation and editing software for an intuitive drag-and-drop interface; and Vidello, a video hosting and marketing platform designed to help businesses manage, customize, and optimize their video content. It offers Demio, a browser-based webinar platform for businesses to businesses create, host, and manage both live and automated webinars; Boost, an add-on product integrated with Demio that helps customers increase webinar attendance by turning existing registrants into advocates; Reach, a targeted outreach tool that helps customers boost demand generation campaigns by connecting directly with ideal audience; and Curate by Banzai is an AI-driven newsletter platform designed to help brands to grow their audience through automated targeted newsletters. In addition, the company offers Photo Vibrance, transform static images into dynamic visuals; and Twinkle, enhance video content with royalty-free audio. It serves healthcare, financial services, e-commerce, technology, media, and other industries. Banzai International, Inc. was founded in 2015 and is based in Bainbridge Island, Washington.
Metric Explanations
What each dimension measures and where the thresholds come from.
Gross Profit Margin
Revenue minus cost of goods sold. Graham's ≥40% threshold identifies businesses with durable pricing power. Note: software and financial companies naturally exceed this; retailers and manufacturers rarely reach it due to their cost structures.
Operating Margin
Profit after operating costs before interest and taxes. A consistent ≥15% operating margin signals a business with real competitive advantages. Capital-intensive industries (airlines, auto, commodities) rarely hit this threshold due to their structural cost base — compare within industry for context.
Net Income Margin
Bottom-line profit as a percentage of revenue. The ≥20% target reflects Buffett's preference for highly profitable businesses. Financial engineering (buybacks, tax optimisation) can inflate this temporarily — look for consistency across multiple years rather than a single strong result.
Years to Pay Off Debt
Total Debt ÷ Net Income. Lower = stronger balance sheet. Important caveat: utilities, telecoms, REITs, and infrastructure companies carry large structural debt by design — their bond-like cash flows service it comfortably at ratios that would alarm Graham. Compare within sector.
Working Capital vs Long-Term Debt
Working Capital minus Long-Term Debt. Negative results are common and expected in capital-return-focused businesses like Apple, Domino's, and McDonald's — where aggressive buybacks and dividends intentionally reduce book equity. This does not indicate financial distress in high-FCF businesses.
Working Capital
Current Assets minus Current Liabilities. Negative working capital can be a deliberate efficiency strategy in businesses that collect cash before paying suppliers (retailers, fast food franchises, subscription businesses). Assess alongside free cash flow generation for full context.
Price-to-Book
Market price vs book value per share. Rarely below 1.5x for quality businesses today. Intangible assets (brand, software, patents) don't appear on the balance sheet under accounting rules, making P/B artificially high for asset-light companies like software and consumer brands.
Free Cash Flow
Operating cash flow minus capital expenditures. Buffett's most important metric — cash a business actually generates for its owners after maintaining and growing its asset base. Consistently positive FCF is one of the strongest indicators of a durable, well-run business regardless of accounting profits.
Net Income From Continuing Operation Net Minority Interest
-22,492
-31,513
-14,406
-15,469
Reconciled Depreciation
1,167
162
180
162
Reconciled Cost Of Revenue
2,172
1,285
1,271
1,805
EBITDA
-18,880
-28,304
-8,671
-12,927
EBIT
-20,047
-28,466
-8,852
-13,088
Net Interest Income
-2,826
-3,700
-5,554
-2,380
Interest Expense
2,384
3,047
5,554
2,380
Interest Income
3
0
1
0
Normalized Income
-22,836
-29,447
-21,078
-8,138
Net Income From Continuing And Discontinued Operation
-22,492
-31,513
-14,406
-15,469
Total Expenses
30,626
17,996
14,357
11,242
Total Operating Income As Reported
-18,465
-13,468
-9,796
-6,212
Diluted Average Shares
189
22
12
13
Basic Average Shares
189
22
12
13
Diluted EPS
0
-1
-1
-1
Basic EPS
0
-1
-1
-1
Diluted NI Availto Com Stockholders
-22,492
-31,095
-14,406
-15,469
Net Income Common Stockholders
-22,492
-31,095
-14,406
-15,469
Preferred Stock Dividends
-418
Net Income
-22,492
-31,513
-14,406
-15,469
Net Income Including Noncontrolling Interests
-22,492
-31,513
-14,406
-15,469
Net Income Continuous Operations
-22,492
-31,513
-14,406
-15,469
Tax Provision
61
0
0
0
Pretax Income
-22,431
-31,513
-14,406
-15,469
Other Income Expense
-1,141
-14,345
943
-7,180
Other Non Operating Income Expenses
-1,577
-12,279
-5,729
151
Special Income Charges
218
-3,316
0
-360
Other Special Charges
-2,086
591
57
-41
Impairment Of Capital Assets
0
2,725
0
303
Restructuring And Mergern Acquisition
1,868
0
Gain On Sale Of Security
218
1,250
6,672
-6,970
Net Non Operating Interest Income Expense
-2,826
-3,700
-5,554
-2,380
Total Other Finance Cost
444
653
Interest Expense Non Operating
2,384
3,047
5,554
2,380
Interest Income Non Operating
3
0
1
0
Operating Income
-18,465
-13,468
-9,796
-5,909
Operating Expense
28,438
16,573
12,912
9,285
Depreciation Amortization Depletion Income Statement
1,150
24
7
10
Depreciation And Amortization In Income Statement
1,150
24
7
10
Selling General And Administration
27,287
16,549
12,905
9,275
General And Administrative Expense
27,287
16,549
12,905
9,275
Other Gand A
27,287
16,549
12,905
9,275
Gross Profit
9,973
3,105
3,117
3,376
Cost Of Revenue
2,189
1,423
1,445
1,957
Total Revenue
12,161
4,528
4,561
5,333
Operating Revenue
12,161
4,528
4,561
5,333
Balance Sheet
2025
2024
2023
2022
2021
Ordinary Shares Number
527
41
13
13
Share Issued
527
41
13
13
Net Debt
10,311
11,342
14,071
12,662
Total Debt
10,627
12,502
16,399
14,205
Tangible Book Value
-21,964
-25,620
-34,048
-26,286
Invested Capital
18,625
9,666
-15,711
-10,428
Working Capital
-20,957
-25,593
-34,150
-27,859
Net Tangible Assets
-21,964
-25,620
-34,048
-26,286
Capital Lease Obligations
57
73
234
519
Common Stock Equity
8,055
-2,764
-31,876
-24,114
Total Capitalization
8,055
-2,764
-31,876
-24,114
Total Equity Gross Minority Interest
8,055
-2,764
-31,876
-24,114
Stockholders Equity
8,055
-2,764
-31,876
-24,114
Gains Losses Not Affecting Retained Earnings
-85
0
Other Equity Adjustments
-85
Retained Earnings
-100,772
-78,280
-46,766
-32,360
Additional Paid In Capital
108,911
75,516
14,890
8,245
Capital Stock
1
0
0
1
Common Stock
1
0
0
1
Total Liabilities Net Minority Interest
23,577
28,438
37,165
29,593
Total Non Current Liabilities Net Minority Interest
1,206
178
75
309
Other Non Current Liabilities
75
75
113
Preferred Securities Outside Stock Equity
6,318
6,318
Derivative Product Liabilities
0
3,357
Non Current Deferred Liabilities
1,172
128
0
Non Current Deferred Revenue
94
118
0
Non Current Deferred Taxes Liabilities
1,078
10
0
Long Term Debt And Capital Lease Obligation
34
50
0
234
Long Term Capital Lease Obligation
34
50
0
234
Current Liabilities
22,371
28,260
37,090
29,284
Other Current Liabilities
1,511
205
3,425
12,540
Current Deferred Liabilities
4,220
3,935
5,714
930
Current Deferred Revenue
3,643
3,935
1,214
930
Current Deferred Taxes Liabilities
578
0
Current Debt And Capital Lease Obligation
10,593
12,452
16,399
13,971
Current Capital Lease Obligation
23
23
234
285
Current Debt
10,570
12,430
16,165
13,686
Other Current Borrowings
7,979
8,855
7,000
7,192
Current Notes Payable
2,591
3,575
9,165
6,494
Payables And Accrued Expenses
6,046
11,668
11,551
1,843
Current Accrued Expenses
3,078
3,042
4,506
512
Payables
2,969
8,626
7,046
1,331
Dueto Related Parties Current
0
167
67
0
Total Tax Payable
474
676
539
231
Accounts Payable
2,494
7,783
6,440
1,100
Total Assets
31,632
25,674
5,288
5,479
Total Non Current Assets
30,218
23,007
2,349
4,054
Other Non Current Assets
4
11
38
38
Non Current Deferred Assets
122
0
0
1,525
Financial Assets
9
63
0
Goodwill And Other Intangible Assets
30,019
22,856
2,172
2,172
Other Intangible Assets
8,027
3,884
Goodwill
21,992
18,972
2,172
2,172
Net PPE
64
76
139
319
Accumulated Depreciation
-5
-31
-26
-19
Gross PPE
69
107
165
338
Other Properties
56
73
134
307
Machinery Furniture Equipment
13
34
31
31
Current Assets
1,413
2,667
2,940
1,425
Other Current Assets
0
46
67
39
Current Deferred Assets
70
91
Prepaid Assets
432
596
674
295
Receivables
722
937
105
68
Other Receivables
13
1
Accounts Receivable
709
936
105
68
Allowance For Doubtful Accounts Receivable
-41
-24
-6
-108
Gross Accounts Receivable
751
961
111
176
Cash Cash Equivalents And Short Term Investments
259
1,087
2,094
1,023
Cash And Cash Equivalents
259
1,087
2,094
1,023
Cash Financial
259
1,087
2,094
1,023
Cash Flow
2025
2024
2023
2022
2021
Free Cash Flow
-15,707
-9,575
-1,551
-5,179
Repayment Of Debt
-19,230
-2,973
0
0
Issuance Of Debt
15,388
5,384
10,206
5,936
Issuance Of Capital Stock
22,529
7,138
31
5
Capital Expenditure
-11
-2
Interest Paid Supplemental Data
1,095
338
956
630
Income Tax Paid Supplemental Data
11
5
10
5
End Cash Position
259
1,087
2,094
1,023
Beginning Cash Position
1,087
2,094
1,023
1,787
Effect Of Exchange Rate Changes
-76
0
Changes In Cash
-752
-1,006
1,070
-763
Financing Cash Flow
17,634
8,487
2,621
4,416
Cash Flow From Continuing Financing Activities
17,634
8,487
2,621
4,416
Net Other Financing Charges
-1,053
-1,065
-7,615
-1,525
Proceeds From Stock Option Exercised
0
2
0
Net Common Stock Issuance
22,529
7,138
31
5
Common Stock Issuance
22,529
7,138
31
5
Net Issuance Payments Of Debt
-3,842
2,412
10,206
5,936
Net Short Term Debt Issuance
9,582
4,634
10,206
5,936
Short Term Debt Payments
-5,806
-750
0
0
Short Term Debt Issuance
15,388
5,384
10,206
5,936
Net Long Term Debt Issuance
-13,423
-2,223
0
0
Long Term Debt Payments
-13,423
-2,223
0
Long Term Debt Issuance
0
0
0
481
Investing Cash Flow
-2,679
82
0
-11
Cash Flow From Continuing Investing Activities
-2,679
82
0
-11
Net Other Investing Changes
-2
Net Business Purchase And Sale
-2,677
82
0
0
Sale Of Business
0
82
0
Purchase Of Business
-2,677
0
0
-3,576
Net PPE Purchase And Sale
0
-11
7
Sale Of PPE
0
9
Purchase Of PPE
0
-11
-2
Operating Cash Flow
-15,707
-9,575
-1,551
-5,168
Cash Flow From Continuing Operating Activities
-15,707
-9,575
-1,551
-5,168
Change In Working Capital
-304
1,762
9,782
315
Change In Other Working Capital
-1,020
14
784
-130
Change In Other Current Liabilities
572
-357
-515
-992
Change In Other Current Assets
7
27
0
53
Change In Payables And Accrued Expense
-271
1,510
9,856
1,045
Change In Accrued Expense
110
498
4,449
385
Change In Payable
-382
1,012
5,407
661
Change In Account Payable
-382
1,012
5,340
661
Change In Prepaid Assets
199
552
-408
425
Change In Receivables
210
16
65
-86
Changes In Account Receivables
210
16
65
-86
Other Non Cash Items
4,975
4,251
8,149
1,631
Stock Based Compensation
2,679
1,166
1,246
770
Unrealized Gain Loss On Investment Securities
-1,987
693
-34
0
Provisionand Write Offof Assets
17
18
-102
93
Asset Impairment Charge
0
2,725
0
303
Deferred Tax
0
306
0
Deferred Income Tax
0
306
0
Depreciation Amortization Depletion
1,167
162
180
162
Depreciation And Amortization
1,167
162
180
162
Amortization Cash Flow
0
474
Amortization Of Intangibles
0
474
Depreciation
1,167
162
180
162
Operating Gains Losses
238
11,160
-6,672
7,027
Gain Loss On Investment Securities
-1,192
-1,250
-6,672
6,970
Net Foreign Currency Exchange Gain Loss
0
11,338
0
Net Income From Continuing Operations
-22,492
-31,513
-14,406
-15,469
2/6
Graham Score
Speculative Investor
Fails most of Graham's safety criteria. Treat with caution.
Graham's Fair Value
N/A (negative EPS)
Margin of Safety
—
Market Cap / Net Assets
0.4x
Net Assets: $8M
Warren's Owner Earnings
N/A
Latest fiscal year
Graham's 7 Criteria
Defensive Investor Checklist
2/6 — Speculative Investor
❌
Adequate Size
Graham required companies large enough to withstand economic downturns. This threshold ($1.5B) is inflation-adjusted from Graham's original $100M — virtually all S&P 500 companies pass this today.
$12M
vs > $1.5B revenue
❌
Strong Financial Condition
Current assets must be at least twice current liabilities. Note: highly profitable companies (Apple, Domino's) often run negative or low working capital deliberately — they collect cash fast and stretch payables. A failing score here is not always a warning sign.
0.06x
vs Current Ratio > 2.0x
❌
Earnings Stability
Graham required uninterrupted positive earnings. Any loss year is a red flag for defensive investors. Growth companies and cyclicals may show occasional losses during investment cycles or downturns without being fundamentally unsound.
4 loss years (4 yrs data)
vs No negative EPS years
❌
Dividend Record
Graham valued dividends as evidence of financial discipline and shareholder alignment. Many excellent modern businesses (Alphabet, Amazon, Berkshire Hathaway) pay no dividend, preferring to reinvest cash at high rates of return. Failing this criterion does not indicate a poor business — it may indicate a high-growth one.
No dividend
vs Uninterrupted dividends
✅
Moderate P/E Ratio
Graham's 15x P/E threshold was calibrated to 1960s market averages when interest rates were higher. Today's lower rate environment structurally supports higher multiples — the S&P 500 long-run average P/E is now closer to 20–25x. A stock trading at 20x is not automatically speculative in the modern context.
0.1x
vs P/E ≤ 15.0x
✅
Moderate Price-to-Book
Graham's 1.5x P/B threshold made sense when most company value was tangible. Today, intangible assets — brand, software, patents, network effects — rarely appear on the balance sheet. A high P/B in tech, pharma, or consumer brands often reflects intangible value, not overvaluation. P/FCF or EV/EBITDA are more reliable for asset-light businesses.
0.40x P/B (P/E×P/B: 0.0)
vs P/B ≤ 1.5x | P/E × P/B ≤ 22.5
Graham's 7 Criteria — Explained
What each criterion measures and why it matters.
❌ Adequate Size — $12Mvs > $1.5B revenue
Graham required companies large enough to withstand economic downturns. This threshold ($1.5B) is inflation-adjusted from Graham's original $100M — virtually all S&P 500 companies pass this today.
"The minimum size of an enterprise should be not less than $100 million of annual sales."
❌ Strong Financial Condition — 0.06xvs Current Ratio > 2.0x
Current assets must be at least twice current liabilities. Note: highly profitable companies (Apple, Domino's) often run negative or low working capital deliberately — they collect cash fast and stretch payables. A failing score here is not always a warning sign.
"For industrial companies, current assets should be at least twice current liabilities."
❌ Earnings Stability — 4 loss years (4 yrs data)vs No negative EPS years
Graham required uninterrupted positive earnings. Any loss year is a red flag for defensive investors. Growth companies and cyclicals may show occasional losses during investment cycles or downturns without being fundamentally unsound.
"The company should have shown no deficit in the past ten years."
❌ Dividend Record — No dividendvs Uninterrupted dividends
Graham valued dividends as evidence of financial discipline and shareholder alignment. Many excellent modern businesses (Alphabet, Amazon, Berkshire Hathaway) pay no dividend, preferring to reinvest cash at high rates of return. Failing this criterion does not indicate a poor business — it may indicate a high-growth one.
"Some current dividend payments — for at least the past 20 years."
✅ Moderate P/E Ratio — 0.1xvs P/E ≤ 15.0x
Graham's 15x P/E threshold was calibrated to 1960s market averages when interest rates were higher. Today's lower rate environment structurally supports higher multiples — the S&P 500 long-run average P/E is now closer to 20–25x. A stock trading at 20x is not automatically speculative in the modern context.
"The price-earnings ratio should be no more than 15 times average earnings."
Graham's 1.5x P/B threshold made sense when most company value was tangible. Today, intangible assets — brand, software, patents, network effects — rarely appear on the balance sheet. A high P/B in tech, pharma, or consumer brands often reflects intangible value, not overvaluation. P/FCF or EV/EBITDA are more reliable for asset-light businesses.
"The price should not be more than 1½ times book value. P/E × P/B ≤ 22.5."
These metrics estimate what Banzai International, Inc. is worth based on fundamentals — independent of what the market prices it at.
Graham's Fair Value and NCAV are conservative floors.
EPV assumes zero growth. These are reference points, not price targets.
Net Current Asset Value
$-6.30
Negative NCAV — liabilities exceed current assets. Common in capital-return businesses (buybacks, debt-funded dividends) and capital-intensive industries. Not automatically a warning sign.
"Buy at two-thirds of net current assets." — Graham
Earnings Power Value
$-58.33
Per share, no-growth floor. Compare to current price.
ROIC — Return on Invested Capital
-157.5%
Return on Invested Capital — Buffett's preferred measure for asset-light businesses. ROIC > 15% consistently signals a durable competitive advantage (moat). More meaningful than P/B for software, pharma, and consumer brand companies where most value is intangible and off-balance-sheet.
Cash Flow Analysis
Metric
2025
2024
2023
2022
2021
Capital Expenditure % of Net Income
N/A
N/A
N/A
N/A
N/A
Repurchase of Capital Stock
N/A
N/A
N/A
N/A
N/A
Free Cash Flow
-$16M▼
-$10M▼
-$2M▲
-$5M•
N/A•
Warren's Owner Earnings
N/A
N/A
N/A
-$15M
N/A
Peers & Industry
No auto-detected peers for Software - Application. You can manually compare PARA against any stock using the Compare tool.
"The management of a business is its most important single factor — more important than market position, patents, or financial structure."
— Benjamin Graham
Capital Allocation & Alignment
Insider Ownership
2.13%
Low — management has little skin in the game
Return on Equity (ROE)
-279.2%
Weak — poor returns on equity
Return on Assets (ROA)
-71.1%
Poor — assets are not generating adequate returns
Debt Trend YoY
-15.0% YoY
Debt is declining — management is deleveraging
Leadership Team
Joseph Davy
Co-Founder, Chairman & CEO
Age 36
Pay: $483,437
Larry Dean Ditto Jr.
Chief Financial Officer
Age 58
Pay: $292,701
David Abrams
President & GM of Vidello
Matt McCurdy
President & GM of Banzai
Jonti McLaren
President & GM of ConnectAndSell
Top Institutional Holders
Institution
% Owned
Shares
UBS Group AG
1.55%
54,361
Geode Capital Management, LLC
0.38%
13,290
Vanguard Capital Management LLC
0.36%
12,663
HRT Financial LP
0.34%
12,005
Vanguard Fiduciary Trust Co
0.18%
6,308
Tower Research Capital LLC (TRC)
0.05%
1,664
Global Retirement Partners, LLC
0.03%
1,000
National Bank of Canada/FI/
0.02%
840
⚠️Current ratio below 1 — liquidity risk
Risk Analysis
Beta (Market Risk)
-1.07
Defensive — moves inversely to the market
Short Interest
12.3% of float
Moderate short interest
Debt-to-Equity
0.55x
Conservative balance sheet — low financial risk
Current Ratio
0.10x
Weak liquidity — current liabilities exceed current assets
52-Week Price Range
Low: $0.90Current: $0.92High: $79.60
Currently at 0% of 52-week range
Banzai International, Inc. (PARA) fundamental analysis — Overall grade F based on profitability, financial health, valuation and cash flow. Graham's
Fair Value: N/A (negative EPS). Gross profit margin: 82.0%. Operating margin: -151.8%. Net margin: -184.9%. Market cap: $3M. Sector: Technology. Industry: Software - Application. Analysis powered by 360investing — free fundamental stock analysis based on Benjamin Graham and Warren Buffett
principles.
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