ONE LEVEL DEEPER
CHTR
Warren Buffett frameworkThe Owner-OperatorBenjamin Graham frameworkThe Value ArchitectMichael Mauboussin frameworkThe Expectations EngineerHoward Marks frameworkThe Cycle WhispererPeter Lynch frameworkThe Everyday Edge

Trading at 22.7x EBITDA—Charter's lowest multiple in a decade while maintaining 24.7% operating margins and generating $4.4B quarterly free cash flow.

cautiousLeaning Bullishconviction

At 22.7x EBITDA—the lowest valuation in a decade—Charter presents the classic Graham setup: operational excellence priced for permanent decline.

THE LENSES
THE MARGIN OF SAFETYprotective

Does the price protect me from permanent loss of capital?

DCF fair value of $812 versus current price, suggesting 73% discount
EV/EBITDA at 22.7x in Q4'25, at 0th percentile over 10 years
Market pricing implies -8.76% perpetual FCF decline via reverse DCF
P/E ratio of 4.98, translating to 20.1% earnings yield

This framework sees extreme pessimism creating substantial margin of safety. The market's expectation of permanent decline contradicts the company's $4.4B quarterly FCF generation and stable 24-25% operating margins.

EV / EBITDA
BALANCE SHEET FORTRESSleveraged

Can this company survive a prolonged downturn?

Net debt to EBITDA at 17.8x in Q4'25
Generated $3.76B operating cash flow in Q4'25
Interest coverage ratio of 2.84x in Q4'25
Current ratio at 0.30 and quick ratio at 0.29 in Q4'25

High leverage typical of cable operators but manageable given consistent cash generation. The framework notes adequate interest coverage and substantial operating cash flow providing debt service capacity despite elevated leverage ratios.

Debt / Equity
THE EARNINGS RECORDreliable

Has management demonstrated consistent earnings over many years?

Operating margins maintained at 24-25% across all recent quarters
Net income of $1.3B in Q4'25 on revenue of $13.7B
Analyst accuracy shows 71.1% optimistic bias over 38 quarters
EPS of $9.26 in Q4'25 despite revenue decline of 0.5% YoY

Charter demonstrates the earnings stability Graham values—consistent profitability through cycles despite modest revenue pressure. The framework appreciates predictable earnings that analysts chronically overestimate rather than volatile results.

Operating Income
EARNINGS YIELD VS BONDSadequate

Does this equity compensate adequately versus risk-free alternatives?

Earnings yield of 5.02% versus 4.33% treasury yield
69 basis point premium to risk-free rate
Earnings yield at 93rd percentile over 10 years
Revenue declining 0.5% YoY suggests limited growth to expand yield

This framework finds adequate compensation for equity risk—a positive spread in a high-rate environment where many growth companies show negative spreads. The modest premium reflects the slow-growth nature appropriately.

Earnings Yield
KEY NUMBERS
VERDICT

Applying this framework reveals Charter as a textbook Graham opportunity: a business generating substantial cash flows trading at decade-low valuations because Mr. Market fears structural decline. The 73% discount to DCF fair value provides the margin of safety Graham demanded, while the 5.02% earnings yield exceeds treasuries despite the challenging rate environment. The high leverage requires monitoring, but consistent cash generation supports the debt load. Does the market's -8.76% perpetual decline assumption reflect reality, or has pessimism created the patient investor's opportunity?

This analysis applies Benjamin Graham's published investment framework to publicly available financial data. It is not authored by, endorsed by, or affiliated with Benjamin Graham. Educational purposes only. Not financial advice.

OTHER PERSPECTIVES
Howard Marks framework
The Cycle Whisperer
Bullish
Warren Buffett framework
The Owner-Operator
Leaning Bullish
Michael Mauboussin framework
The Expectations Engineer
Leaning Bullish
Peter Lynch framework
The Everyday Edge
Neutral
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