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PNJ

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Market Performance History

OHLCV Terminal Feed

Earnings Quality

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Piotroski F

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Altman Z (EM)

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Beneish M

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21.3%

ROE = T × I × OM × AT × L

0.80

1. Tax Burden

0.90

2. Interest Burden

10.1%

3. Operating Margin

1.73x

4. Asset Turnover

1.52x

5. Fin. Leverage

Ratio Category	2021	2022	2023	2024	2025
Return on Equity (ROE)	18.3%	25.0%	21.6%	20.1%	23.1%
Return on Capital (ROIC)	16.1%	21.8%	20.7%	18.3%	20.2%
Gross Margin	18.4%	17.5%	18.3%	17.6%	22.0%
Net Margin	5.3%	5.3%	5.9%	5.6%	8.1%
A.R Turnover Days	1d	1d	1d	1d	1d
Inventory Days	175d	126d	145d	141d	194d
Current Ratio	2.04	2.45	2.81	2.64	2.71
Debt to Equity	0.77	0.58	0.47	0.53	0.52
P/E Ratio	20.93	12.31	17.16	16.34	14.71
P/B Ratio	3.40	2.51	3.28	2.91	3.13
Dividend Yield	2.22%	2.33%	2.04%	2.06%	0.82%
Dividend Payout Ratio	46.6%	28.6%	35.1%	33.7%	12.1%

Priv-LL-LQ

Alpha (α)

-0.159%

R-Squared (R²)

85.9%

Mkt-Rf Beta

0.94

SMB (Size)0.603

HML (Value)0.275

RMW (Profit)0.141

CMA (Investment)0.099

Historical Strategy Audit

Year	EM Score	Piotroski F	Altman Z	Beneish M	ROA	Flag
2019	1.0374	2 / 9	5.44	-2.17	18.5%	—
2020	-0.3559	6 / 9	6.33	-2.52	12.4%	—
2021	0.6223	1 / 9	5.50	-2.29	12.1%	—
2022	0.2306	6 / 9	6.96	-1.86	17.1%	—
2023	-0.3086	6 / 9	7.65	-2.54	14.8%	—
2024	0.1349	2 / 9	7.15	-2.41	14.6%	—
2025	0.4908	6 / 9	7.48	-2.70	16.4%	—