Amalgamated Financial Corp. — Earnings Quality Grade A
AMAL · Financial Services
Strong financial health
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 72 days, change +1 days YoY
AR growth 6.5% vs revenue growth 4.4%
Revenue 4.4%, CFFO 9.4%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -22.3% vs revenue 4.4%. Normal
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.30. Profits backed by cash
FCF $0.1B, FCF/NI = 1.29
Accruals ratio = -0.4%. Low accruals
Cash $0.3B covers debt $0.1B
Balance Sheet Health
Goodwill+Intangibles $0.0B = 2% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -4% YoY. Normal
Manipulation Score
Insufficient data
Altman Z-Score — Not Applicable
Amalgamated Financial Corp. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25