Calumet, Inc. /DE
CLMTAnalytical Summary
Calumet, Inc. /DE shows strong fundamentals with top-quartile Debt to Equity. The company's metrics support a bullish outlook for growth-oriented investors.
14-Year Financial Trajectory
QuarterlyBullish Indicators
- Debt to EquityDebt to Equity is in the top quartile (lower is better)
Bearish Risks
- No bearish risks detected.
Health Breakdown
Statement lens
Choose the reporting cadence, isolate a period range, or search directly for a metric.
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ | Q3 FY2023 Sep 30, 2023 10-Q ↗ | Q2 FY2023 Jun 30, 2023 10-Q ↗ | Q4 FY2022 Dec 31, 2022 10-K ↗ | Q4 FY2021 Dec 31, 2021 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue Growth YoY (%) |
3.6%
Caution
↑
Caution
Improving
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-28%)
|
9.4%
Fair
↑
Fair
Improving
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Above avg (+88%)
|
-2.0%
Weak
↑
Weak
Improving
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-141%)
|
-9.4%
Weak
↓
Weak
Declining
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-289%)
|
-1.2%
Weak
↑
Weak
Improving
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-124%)
|
-2.8%
Weak
Weak
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-155%)
|
-4.3%
Weak
Weak
Year-over-year change in total revenue
Optimal:
> 10%
vs Sector:
Below avg (-185%)
|
— | — | — | — | — | — | — |
| EPS Growth YoY (%) |
-94.7%
Weak
↑
Weak
Improving
Year-over-year change in earnings per share
Optimal:
> 10%
|
6.5%
Fair
↑
Fair
Improving
Year-over-year change in earnings per share
Optimal:
> 10%
|
N/M |
-254.2%
Weak
Weak
Year-over-year change in earnings per share
Optimal:
> 10%
|
-266.7%
Weak
Weak
Year-over-year change in earnings per share
Optimal:
> 10%
|
— | N/M | — | — | — | — | — | — | — |
| Net Income Growth YoY (%) |
-95.7%
Weak
↑
Weak
Improving
Year-over-year change in net income |
8.4%
Fair
↑
Fair
Improving
Year-over-year change in net income |
N/M |
-278.3%
Weak
↓
Weak
Declining
Year-over-year change in net income |
-289.4%
Weak
Weak
Year-over-year change in net income |
15.2%
Good
Good
Year-over-year change in net income |
N/M | — | — | — | — | — | — | — |
| FCF Growth YoY (%) |
23.0%
Good
Good
Year-over-year change in free cash flow |
— | — | N/M |
-4.6%
Weak
Weak
Year-over-year change in free cash flow |
— | — | — | — | — | — | — | — | — |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ | Q3 FY2023 Sep 30, 2023 10-Q ↗ | Q2 FY2023 Jun 30, 2023 10-Q ↗ | Q4 FY2022 Dec 31, 2022 10-K ↗ | Q4 FY2021 Dec 31, 2021 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Operating Margin (%) (%) |
-16.6%
Weak
↓
Weak
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-211%)
|
-6.2%
Weak
↓
Weak
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-141%)
|
30.0%
Excellent
↑
Excellent
Improving
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+100%)
|
-9.8%
Weak
↓
Weak
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-166%)
|
-4.9%
Weak
↓
Weak
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-133%)
|
2.4%
Weak
↑
Weak
Improving
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-84%)
|
-5.2%
Weak
↓
Weak
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-135%)
|
0.5%
Weak
↓
Weak
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-96%)
|
3.6%
Weak
↓
Weak
Declining
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-76%)
|
-1.4%
Weak
Weak
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-109%)
|
18.5%
Good
Good
Operating income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+24%)
|
— | — | — |
| Effective Tax Rate (%) (%) |
6.2%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
58.1%
Weak
↑
Weak
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
-15.2%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
-0.1%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
-0.2%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
1.5%
Excellent
↑
Excellent
Improving
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
-0.7%
Excellent
→
Excellent
Stable
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
-1.3%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
-0.5%
Excellent
↓
Excellent
Declining
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
-0.4%
Excellent
Excellent
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
0.5%
Excellent
Excellent
Actual taxes paid relative to pre-tax income
Optimal:
15-25%
|
— | — | — |
| Profit Margin (%) (%) |
-30.8%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-485%)
|
-3.6%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-145%)
|
29.1%
Excellent
↑
Excellent
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+263%)
|
-14.4%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-280%)
|
-16.3%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-304%)
|
-4.3%
Weak
↑
Weak
Improving
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-154%)
|
-9.1%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-214%)
|
-3.4%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-143%)
|
-4.1%
Weak
↓
Weak
Declining
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-152%)
|
-4.9%
Weak
Weak
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Below avg (-161%)
|
8.7%
Caution
Caution
Net income as a percentage of revenue
Optimal:
> 15%
vs Sector:
Above avg (+9%)
|
— | — | — |
| FCF Margin (%) (%) |
-9.7%
Weak
↓
Weak
Declining
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
10.0%
Caution
↑
Caution
Improving
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
8.5%
Caution
↑
Caution
Improving
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
-9.0%
Weak
↓
Weak
Declining
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
-12.9%
Weak
↓
Weak
Declining
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
-3.0%
Weak
↑
Weak
Improving
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
— |
4.5%
Weak
↑
Weak
Improving
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
-11.3%
Weak
Weak
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
-4.0%
Weak
Weak
Free cash flow as a percentage of revenue
Optimal:
> 10%
|
— | — | — | — |
| FCF / Net Income (x) |
0.31x
Weak
↑
Weak
Improving
Free cash flow relative to reported net income
Optimal:
> 1x
|
-2.78x
Weak
↓
Weak
Declining
Free cash flow relative to reported net income
Optimal:
> 1x
|
0.29x
Weak
↓
Weak
Declining
Free cash flow relative to reported net income
Optimal:
> 1x
|
0.62x
Weak
↓
Weak
Declining
Free cash flow relative to reported net income
Optimal:
> 1x
|
0.79x
Caution
↑
Caution
Improving
Free cash flow relative to reported net income
Optimal:
> 1x
|
0.70x
Weak
→
Weak
Stable
Free cash flow relative to reported net income
Optimal:
> 1x
|
— |
-1.32x
Weak
↓
Weak
Declining
Free cash flow relative to reported net income
Optimal:
> 1x
|
2.74x
Excellent
Excellent
Free cash flow relative to reported net income
Optimal:
> 1x
|
0.81x
Caution
Caution
Free cash flow relative to reported net income
Optimal:
> 1x
|
— | — | — | — |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ | Q3 FY2023 Sep 30, 2023 10-Q ↗ | Q2 FY2023 Jun 30, 2023 10-Q ↗ | Q4 FY2022 Dec 31, 2022 10-K ↗ | Q4 FY2021 Dec 31, 2021 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Return on Invested Capital (%) |
-12.5%
Weak
↓
Weak
Declining
Return earned on debt + equity capital invested
Optimal:
> 10%
|
-1.8%
Weak
↓
Weak
Declining
Return earned on debt + equity capital invested
Optimal:
> 10%
|
23.1%
Excellent
↑
Excellent
Improving
Return earned on debt + equity capital invested
Optimal:
> 10%
|
-7.4%
Weak
↓
Weak
Declining
Return earned on debt + equity capital invested
Optimal:
> 10%
|
-3.3%
Weak
↓
Weak
Declining
Return earned on debt + equity capital invested
Optimal:
> 10%
|
1.7%
Weak
↑
Weak
Improving
Return earned on debt + equity capital invested
Optimal:
> 10%
|
-4.1%
Weak
↓
Weak
Declining
Return earned on debt + equity capital invested
Optimal:
> 10%
|
-1.1%
Weak
↑
Weak
Improving
Return earned on debt + equity capital invested
Optimal:
> 10%
|
-6.9%
Weak
↑
Weak
Improving
Return earned on debt + equity capital invested
Optimal:
> 10%
|
2.8%
Weak
Weak
Return earned on debt + equity capital invested
Optimal:
> 10%
|
-47.8%
Weak
Weak
Return earned on debt + equity capital invested
Optimal:
> 10%
|
— | — | — |
| Return on Capital (%) (%) |
-6.2%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
-2.4%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
11.8%
Good
↑
Good
Improving
Operating profit relative to total assets
Optimal:
> 10%
|
-3.6%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
-1.7%
Weak
↓
Weak
Declining
Operating profit relative to total assets
Optimal:
> 10%
|
0.8%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
-2.2%
Weak
Weak
Operating profit relative to total assets
Optimal:
> 10%
|
— | — | — | — | — | — | — |
| Return on Common Equity (%) (%) |
30.4%
Excellent
↑
Excellent
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Above avg (+153%)
|
5.1%
Caution
↑
Caution
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-58%)
|
-45.1%
Weak
↓
Weak
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-476%)
|
14.6%
Fair
↑
Fair
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Above avg (+22%)
|
18.8%
Good
↑
Good
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Above avg (+57%)
|
5.7%
Caution
↓
Caution
Declining
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-52%)
|
15.0%
Fair
↑
Fair
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Above avg (+25%)
|
6.9%
Caution
↑
Caution
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-42%)
|
7.9%
Caution
↑
Caution
Improving
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-35%)
|
9.8%
Caution
Caution
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-18%)
|
-22.5%
Weak
Weak
Profit generated per dollar of shareholder equity
Optimal:
> 15%
vs Sector:
Below avg (-288%)
|
— | — | — |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ | Q3 FY2023 Sep 30, 2023 10-Q ↗ | Q2 FY2023 Jun 30, 2023 10-Q ↗ | Q4 FY2022 Dec 31, 2022 10-K ↗ | Q4 FY2021 Dec 31, 2021 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt to Equity (x) |
-2.24x
Excellent
↑
Excellent
Improving
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-547%)
|
-3.05x
Excellent
↓
Excellent
Declining
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-710%)
|
-3.31x
Excellent
↓
Excellent
Declining
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-762%)
|
-2.35x
Excellent
↑
Excellent
Improving
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-570%)
|
-2.74x
Excellent
↑
Excellent
Improving
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-648%)
|
-2.90x
Excellent
Excellent
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-680%)
|
-3.09x
Excellent
Excellent
Total debt relative to shareholder equity
Optimal:
< 0.6x
vs Sector:
Below avg (-718%)
|
— | — | — | — | — | — | — |
| Interest Coverage (x) |
-2.99x
Weak
Weak
Operating income divided by interest expense
Optimal:
> 5x
|
-3.00x
Weak
Weak
Operating income divided by interest expense
Optimal:
> 5x
|
— | — | — |
0.40x
Weak
Weak
Operating income divided by interest expense
Optimal:
> 5x
|
— | — | — | — | — | — | — | — |
| Net Debt (USD) | $2.19B | $2.11B | $2.21B | $2.26B | $2.24B | $2.03B | $2.04B | $-7.00M | $-23.90M | $-7.90M | $-13.70M | — | $-35.20M | — |
| Debt / EBITDA (x) |
-16.86x
Excellent
→
Excellent
Stable
Debt relative to earnings before interest, taxes, depreciation
Optimal:
< 2x
|
-34.63x
Excellent
↓
Excellent
Declining
Debt relative to earnings before interest, taxes, depreciation
Optimal:
< 2x
|
7.13x
Weak
↑
Weak
Improving
Debt relative to earnings before interest, taxes, depreciation
Optimal:
< 2x
|
-23.49x
Excellent
↓
Excellent
Declining
Debt relative to earnings before interest, taxes, depreciation
Optimal:
< 2x
|
-48.51x
Excellent
↓
Excellent
Declining
Debt relative to earnings before interest, taxes, depreciation
Optimal:
< 2x
|
90.96x
Weak
Weak
Debt relative to earnings before interest, taxes, depreciation
Optimal:
< 2x
|
-36.38x
Excellent
Excellent
Debt relative to earnings before interest, taxes, depreciation
Optimal:
< 2x
|
— | — | — | — | — | — | — |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ | Q3 FY2023 Sep 30, 2023 10-Q ↗ | Q2 FY2023 Jun 30, 2023 10-Q ↗ | Q4 FY2022 Dec 31, 2022 10-K ↗ | Q4 FY2021 Dec 31, 2021 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Working Capital (USD) | $-35.20M | $17.10M | $103.80M | $-280.20M | $48.80M | $-97.60M | $-464.60M | — | — | — | — | — | — | — |
| LT Debt (USD) | $2.33B | $2.23B | $2.30B | $2.37B | $2.36B | $2.06B | $2.08B | — | — | — | — | — | — | — |
| Total Equity (USD) | $-1.04B | $-732.70M | $-695.30M | $-1.01B | $-862.30M | $-711.90M | $-672.20M | $-566.40M | $-529.70M | $-490.30M | $-443.20M | $-543.40M | $-533.30M | $-385.10M |
| Metric | Q1 FY2026 Mar 31, 2026 10-Q ↗ | Q4 FY2025 Dec 31, 2025 10-K ↗ | Q3 FY2025 Sep 30, 2025 10-Q ↗ | Q2 FY2025 Jun 30, 2025 10-Q ↗ | Q1 FY2025 Mar 31, 2025 10-Q ↗ | Q4 FY2024 Dec 31, 2024 10-K ↗ | Q3 FY2024 Sep 30, 2024 10-Q ↗ | Q2 FY2024 Jun 30, 2024 10-Q ↗ | Q1 FY2024 Mar 31, 2024 10-Q ↗ | Q4 FY2023 Dec 31, 2023 10-K ↗ | Q3 FY2023 Sep 30, 2023 10-Q ↗ | Q2 FY2023 Jun 30, 2023 10-Q ↗ | Q4 FY2022 Dec 31, 2022 10-K ↗ | Q4 FY2021 Dec 31, 2021 10-K ↗ |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue/Turnover (USD) | $1.03B | $1.04B | $1.08B | $1.03B | $993.90M | $949.50M | $1.10B | $1.13B | $1.01B | $976.50M | $1.15B | — | — | — |
| Depreciation Expense (USD) | $33.00M | — | — | — | — | — | — | — | — | — | — | — | — | — |
| Net Income, GAAP (USD) | $-317.00M | $-37.30M | $313.40M | $-147.90M | $-162.00M | $-40.70M | $-100.60M | $-39.10M | $-41.60M | $-48.00M | $99.80M | — | — | — |
| Operating Cash Flow (USD) | $-86.20M | $116.50M | $100.40M | $-78.70M | $-110.60M | $-3.40M | — | $66.50M | $-94.00M | $-7.50M | — | — | — | — |
Secondary lens
Benchmark Lens
Compare CLMT against peers after checking the statement evidence.
Open lens
Benchmark Lens
Compare CLMT against peers after checking the statement evidence.
Signals
Key bullish and bearish indicators for CLMT
Debt to Equity is in the top quartile (lower is better)
No bearish signals detected
Percentile Rankings
How CLMT compares to all companies
Peer Comparison
CLMT vs similar peers
Compare CLMT with peers
Stack CLMT against similar companies across every metric on this page.
north_east Open comparisonbar_chart Data from SEC EDGAR XBRL filings
Synced 1 week ago 5 years · 14 quarters