PHINIA Inc. (PHIN) — RQD Stock Rating Cockpit

Per the Roarable RQD rating, PHIN scores 59 out of 100, grade C-, labeled "Roarable Hold — Cautious Neutral." The five pillars are: Fundamental Cash Engine 11/20 (ROIC 9.1%; FCF yield 13.95%), Whale 13F Flow 9/20 (institutional accumulation and options positioning), Insider Conviction 17/20 (SEC Form 4 and Congressional PTR cluster flow), Macro Regime Fit 8/20 (Beta 1.0; sector sensitivity), and Forensic Balance Sheet 14/20 (Altman Z 2.04; Piotroski F 7/9; Debt/Equity 0.61). Read together, the strongest pillar is insider conviction, while macro regime fit and institutional flow are the weakest. For a prospective investor, the upside case rests on cash generation and insider activity; the tradeoff is that the rating sees limited institutional confirmation and only neutral alignment with the macro backdrop. The forensic pillar indicates a balance sheet that is adequate rather than exceptional. The overall verdict is a hold-oriented, cautious neutral stance, not a directional call.

Per the SEC financials, revenue moved from $3500.0M (FY 2023) to $3403.0M (FY 2024) and $3483.0M (FY 2025), while net income rose from $79.0M in FY 2024 to $130.0M in FY 2025. Free cash flow was $312.0M in FY 2025. Per the market data, ROIC is 9.1%, and the forensic pillar reports an Altman Z-Score of 2.04, Piotroski F-Score of 7/9, and Debt/Equity of 0.61. Cash declined from $484.0M to $359.0M over FY 2024 to FY 2025 while debt was broadly stable at $963.0M and $967.0M.

Six headlines from the news wire are all flagged YELLOW under MARKET WIRE. They cover a Yahoo! Finance Canada market report, a Trefis piece titled "Can Phinia Stock Compound Your Money?", a ChartMill quality-investing screen, a Yahoo Finance piece suggesting the stock could be undervalued on cash flow, a Globe and Mail item reporting a UBS hold, and a MarketBeat item reporting a Wall Street Zen rating lowered. Risk watch items include the downgraded rating from Wall Street Zen and the UBS hold. Proprietary signals from the Butterfly graph: Not available in source data (the graph lists no supply chain and no links or signals).

• What are PHINIA's specific products, end markets, and customer concentration?
• What explains the FY 2025 EPS field being reported as N/A despite net income of $130.0M?
• What drove the cash decline from $484.0M to $359.0M, and what is the company's capital allocation plan?
• What are the identities, sizes, and timing of the insider and institutional transactions underlying the RQD pillar scores?
• What supply-chain dependencies and sector correlations apply, given the Butterfly graph is empty?