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Data as of Q3 2026
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Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $0 buybacks = $0 returned on $86.8M FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
Solve the discounted cash flow backwards, then stress-test the assumptions.
Average free cash flow across the last 2 positive fiscal years (FY2024, FY2025). Smooths the cycle. Stock compensation is NOT charged — it is added back inside operating cash flow.
To be worth $40.69 today, the market must believe free cash flow compounds 12.7%/yr for a decade (off $65.0M on the 3-yr avg basis).
On the basis (-$7.6M) the requirement is off the scale. Shares issued to employees are added back in operating cash flow, so this basis treats them as free.
The market's 12.7% is more conservative than its 1-yr track record.
Default is 8.3% — this company's computed cost of capital (computed WACC), the same rate the Analysis tab discounts at.
2-stage DCF · 0.06B shares (market data) · net debt -$65.6M
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $65.6M (at 2025-12-31) covers all $12.4M of scheduled principal — no refinancing pressure. Scheduled principal only (excludes interest & revolver draws). As of 2024-09-30 (10-Q). The cash figure is from 2025-12-31, so the two are not the same balance-sheet date — the schedule has not been refiled since.
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest is easily covered by operating profit.
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
Ranked against 18 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| CHWY | $8.4B | 40.1× | 19.6× | 0.7× | 6.2% | 29.8% | 1.8% | 44.7% | 44.7% | -2.2× | 130 |
| FCFS | $8.1B | 25.3× | — | 2.2× | 8.0% | 50.3% | 9.0% | 14.5% | 7.4% | — | 110 |
| VIPS | $6.1B | 1.3× | 2.6× | 0.4× | 2.0% | 23.1% | 6.8% | 17.7% | 15.5% | -1.8× | 45 |
| NSIT | $5.2B | 36.7× | 11.1× | 0.6× | -5.2% | 21.4% | 1.9% | 9.5% | 9.5% | -0.8× | 66 |
| BBWI | $4.6B | 7.3× | 5.5× | 0.6× | -0.2% | 43.7% | 8.9% | -50.7% | 24.9% | 2.1× | 91 |
| SIG | $4.6B | 16.8× | 6.8× | 0.7× | 1.6% | 39.5% | 4.3% | 15.0% | 15.0% | -1.6× | 65 |
| ASO | $3.7B | 10.9× | 6.1× | 0.6× | 2.0% | 34.8% | 6.2% | 17.4% | 14.2% | 0.2× | 73 |
| PTRN | $3.0B | — | 64.1× | 1.2× | 39.3% | 43.6% | 0.6% | 2.8% | 2.8% | -6.8× | 13 |
| GRDN | $2.6B | — | 26.3× | 1.8× | 17.9% | 20.2% | 3.4% | 22.6% | 22.6% | -0.7× | 19 |
| GCT | $2.2B | 16.9× | 11.6× | 1.7× | 11.1% | 23.3% | 10.6% | 28.3% | 28.3% | -2.5× | 41 |
| EZPW | $1.8B | 20.5× | 10.1× | 1.4× | 9.7% | 58.5% | 8.6% | 10.7% | 7.1% | 0.3× | 63 |
| SBH | $1.7B | 9.7× | 5.7× | 0.5× | -0.4% | 51.6% | 5.3% | 24.7% | 11.7% | 1.7× | 51 |
| RVLV | $1.6B | 26.9× | 17.1× | 1.3× | 8.5% | 53.5% | 5.0% | 12.0% | 12.0% | -3.7× | 31 |
| SVV | $1.4B | 67.6× | 10.2× | 0.9× | 9.2% | — | 1.3% | 5.2% | 2.0% | 3.1× | 24 |
| REAL | $1.4B | — | 135.6× | 2.0× | 15.4% | 74.6% | -6.0% | 10.1% | 10.1% | -16.7× | 31 |
| SPH | $1.2B | 11.0× | 8.6× | 0.8× | 7.9% | 60.6% | 7.4% | — | — | 4.3× | 31 |
| WINA | $1.0B | 25.4× | 18.3× | 11.9× | 5.9% | 96.4% | 48.4% | -77.6% | -77.6% | -0.2× | 37 |
| WOOF | $742M | 86.3× | 6.2× | 0.1× | -2.5% | 38.7% | 0.2% | 0.8% | 0.3% | 3.9× | 29 |
| TITN | $577M | — | 23.6× | 0.2× | -10.2% | 15.8% | -2.2% | -9.4% | -7.1% | 4.9× | 19 |
Peers = companies sharing GRDN's sector (Retail-Drug Stores and Proprietary Stores) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
EOD close · as of 2026-10-30
How a revenue dollar becomes profit — FY2025
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 |
|---|---|---|
| Revenue | $1.45B 100.0% | $1.23B 100.0% |
| Cost of Revenue | $1.16B 79.8% | $984.0M 80.1% |
| Gross Profit | $292.7M 20.2% | $244.4M 19.9% |
| Selling, General & Admin | $220.0M 15.2% | $307.3M 25.0% |
| Operating Income | $72.7M 5.0% | -$62.9M -5.1% |
| Interest Expense | $665K 0.0% | $3.3M 0.3% |
| Other Income (Expense), net | $722K 0.0% | -$3.6M -0.3% |
| Pretax Income | $73.4M 5.1% | -$66.5M -5.4% |
| Income Tax Expense | $24.5M 1.7% | $4.6M 0.4% |
| Net Income | $49.2M 3.4% | -$110.0M -9.0% |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Top 27 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
EOD close · as of 2026-10-30
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 23% against ROIC 23% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
Equity is the year-end figure. On average equity over the two year-ends, ROE is 26.8% — the two diverge when buybacks or issuance move equity during the year.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Profit and sales moved in opposite directions this year.
Each line as % of revenue — the trend in color
| % of revenue | FY2024 | FY2025 |
|---|---|---|
| Cost of Revenue | 80.1 | 79.8 |
| Gross Profit | 19.9 | 20.2 |
| SG&A | 25.0 | 15.2 |
| Operating Income | -5.1 | 5.0 |
| Income Tax | 0.4 | 1.7 |
| Net Income | -9.0 | 3.4 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on GRDN: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Earns 14.25pts above its cost of capital, without much margin of safety.
| Period | ROIC | Cost of capital | Spread |
|---|---|---|---|
| FY2024 | -23.5% | 9.6% | -33.1pts |
| FY2025 | 22.5% | 8.6% | 13.9pts |
| Now | 22.6% | 8.3% | 14.3pts |
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2024 | 19.9% | -5.1% | -9.0% |
| FY2025 | 20.2% | 5.0% | 3.4% |
Return on equity (23%) and return on invested capital (23%) are within a couple of points in FY2025, so the headline return is the operating return — there is no meaningful leverage effect to strip out.
$80M of goodwill — 35% of invested capital. The gap is what was paid above the fair value of what was bought; it is real capital shareholders provided, so neither bar is the whole answer.
ROIC ex-goodwill is 34.94% against 22.58% reported — the return is earned on a capital base inflated by what was paid for acquisitions, not by the operating business alone.
Fewer than three profitable years with a cash flow statement, so cash conversion cannot be judged.
No material counter-signal in the checked set: FCF / net income over 3 and 5 years, Sloan accruals, SBC as a share of revenue, SBC as a share of operating cash flow, SBC-adjusted free cash flow, free cash flow per diluted share, buybacks against SBC issued, capex vs depreciation, free cash flow against revenue, share count since the first year on file, cash conversion cycle (DSO, DIO, DPO), receivables growth against revenue growth.
Missing from our data, so excluded from this answer: 3 years of cash flow.
Covers interest 76.5x even after a 30% EBITDA decline.
| EBITDA decline | Interest coverage |
|---|---|
| 0% | 109.32x |
| 5% | 103.86x |
| 10% | 98.39x |
| 15% | 92.93x |
| 20% | 87.46x |
| 25% | 81.99x |
| 30% | 76.53x |
| 35% | 71.06x |
| 40% | 65.59x |
| 45% | 60.13x |
| 50% | 54.66x |
| 55% | 49.20x |
| 60% | 43.73x |
This schedule comes from a filing dated 2024-09-30, 761 days old. Maturities are shown relative to that date, not to today.
Ladder as of 2024-09-30 (10-Q); cash from the 2025-12-31 balance sheet; FCF from FY2025.
Balance sheet at 2025-12-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Operating leases are $44,724,000 of the $44,724,000 total — a fixed obligation that does not appear in a headline debt figure.
At $40.69, free cash flow must compound 12.93%/yr for 10 years. It has no positive compounding record to compare against.
The implied rate has been matched or beaten in 1 of the last 1 years.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
Last reported position per insider, carried forward. Steps can be a holding disclosed for the first time rather than a trade.
| Date | Insider | What it was | Shares | Price | Value |
|---|---|---|---|---|---|
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 38,282 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 23,450 | — | — |
| 2026-09-27 | 4 co-filers Group filing | Option exerciseindirect | 1,413,939 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exerciseindirect | 6,100,175 | — | — |
Every row is classified by what it MEANT, not by its SEC code. A code is not a meaning: code P (“purchase”) also covers dividend reinvestment and employee stock purchase plans, and code S (“sale”) also covers 10b5-1 plan sales scheduled months earlier and option exercises sold the same day.
Across 30 days of all filings, $5.08bn of insider selling contained $3.50bn of plan sales and $0.46bn of exercise-and-sell. Only 29% was discretionary. Reading an unclassified feed badly overstates how much insiders decided.
Buys and sales are counted separately and never netted. They are different decisions by different people; a company where one officer bought while another sold is not “neutral”.
The holding line carries each insider's last reported position forward, so it shows the total held rather than a sawtooth of whoever traded that day. It covers only insiders who filed in the window.
“Filed late” counts calendar days past the two-business-day deadline with five days' grace, so a Thursday or Friday trade crossing a weekend is never flagged. It describes the company's filing discipline, not the trade.
Insider activity is descriptive. Nothing here is investment advice.
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 39,865 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exercise | 1,413,939 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 1,298,825 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 55,578 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exercise | 608,570 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exerciseindirect | 6,100,175 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 641,870 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 18,931 | — | — |
| 2026-09-27 | 2 co-filers Senior Vice President, Sales | Option exercise | 36,052 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exercise | 471,057 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exercise | 6,100,175 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 23,450 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 1,298,825 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 55,578 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exercise | 471,057 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exercise | 608,570 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 18,931 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 39,865 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 23,450 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exercise | 1,413,939 | — | — |
| 2026-09-27 | 2 co-filers Senior Vice President, Sales | Option exercise | 36,052 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exerciseindirect | 6,100,175 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 38,282 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exercise | 6,100,175 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 23,450 | — | — |
| 2026-09-27 | 2 co-filers See Remarks | Option exercise | 641,870 | — | — |
| 2026-09-27 | 4 co-filers Group filing | Option exerciseindirect | 471,057 | — | — |
| 2026-09-27 | 2 co-filers Group filing | Option exerciseindirect | 6,100,175 | — | — |
| 2026-09-27 | 4 co-filers Group filing | Option exerciseindirect | 1,413,939 | — | — |
| 2026-09-27 | 4 co-filers Group filing | Option exerciseindirect | 471,057 | — | — |
| 2026-05-05 | Cosler Steven D Director | Grant | 4,028 | $0.00 | $0 |
| 2026-05-05 | Lewis Randall J Director | Grant | 4,028 | $0.00 | $0 |
| 2026-05-05 | Patchett Mary Sue Director | Grant | 4,028 | $0.00 | $0 |
| 2026-03-28 | 2 co-filers Group filing | Option exercise | 1,413,939 | — | — |
| 2026-03-28 | 2 co-filers Group filing | Option exerciseindirect | 6,100,175 | — | — |
| 2026-03-28 | 2 co-filers Group filing | Option exercise | 471,057 | — | — |