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Process vs outcome

The quality of a decision and the quality of its outcome are two different things. Good decisions can produce bad outcomes, and bad decisions can produce good outcomes — so judging investments by price movement alone confuses luck with skill.

Framing articulated by Annie Duke in Thinking in Bets, applied to investing by Charlie Munger.

Below, each covered company is shown by fundamental direction versus share price direction over the same window. The category makes the directional relationship explicit; the magnitude column keeps the price move visible beside the business trajectory.

Rankings as of 22-07-2026 10:06pm NZT, based on Annolyse's coverage of 100 NZX companies.

6

Opportunity signal

19

Aligned favourable

10

Stable

15

Decoupled upside

20

Decoupled downside

9

Aligned unfavourable

6

Warning signal

4

Insufficient data

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Showing 89 of 89 companies.

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Process vs outcome company ranking
RYMRyman Healthcareimprovingdown-12.3%Fund. improving, price -12.3%Opportunity signal
VGLVista Group Internationalimprovingdown-29.9%Fund. improving, price -29.9%Opportunity signal
NZMNZMEimprovingdown-6.1%Fund. improving, price -6.1%Opportunity signal
MHJMichael Hill InternationalDebtor days: 0.0 days, below normal range; 3-period mean 8.0 days, range 7.2 days-9.6 days.improvingdown-7.0%Fund. improving, price -7.0%Opportunity signal
ARBArborGen HoldingsEBITDA margin: 16.8%, below normal range; 3-period mean 19.1%, range 17.7%-21.2%.improvingdown-43.5%Fund. improving, price -43.5%Opportunity signal
RUARua BioscienceRevenue growth: 92.2%, above normal range; 3-period mean -31.8%, range -100.0%-33.8%.improvingdown-19.0%Fund. improving, price -19.0%Opportunity signal
FPHFisher & Paykel Healthcareimprovingup+6.6%Fund. improving, price +6.6%Aligned favourable
GNZGoodman Property Trustimprovingflat+5.0%Fund. improving, price +5.0%Aligned favourable
FRWFreightways Groupimprovingup+24.7%Fund. improving, price +24.7%Aligned favourable
SKLSkellerup Holdingsimprovingup+38.3%Fund. improving, price +38.3%Aligned favourable
HGHHeartland Group HoldingsRevenue growth: 11.1%, above normal range; 4-period mean 6.8%, range -2.0%-10.2%.improvingup+50.0%Fund. improving, price +50.0%Aligned favourable
THLTourism Holdingsimprovingup+35.5%Fund. improving, price +35.5%Aligned favourable
HLGHallenstein GlassonDebtor days: 0.8 days, above normal range; 4-period mean 0.5 days, range 0.2 days-0.8 days.improvingup+20.4%Fund. improving, price +20.4%Aligned favourable
SKTSky Network TelevisionRevenue growth: 7.7%, unprecedented high; 4-period mean 1.9%, range -2.0%-4.1%.improvingup+6.5%Fund. improving, price +6.5%Aligned favourable
DGLDelegat Groupimprovingflat+0.2%Fund. improving, price +0.2%Aligned favourable
GXHGreen Cross Healthimprovingup+143.3%Fund. improving, price +143.3%Aligned favourable
TGGT&G Global Limited and subsidiary companiesRevenue growth: 14.5%, unprecedented high; 4-period mean -0.8%, range -4.4%-2.3%.improvingflat0.0%Fund. improving, price 0.0%Aligned favourable
CMOThe Colonial Motor CompanyOperating working-capital movement: NZ$-29.6m, below normal range; 3/3 prior periods had builds averaging NZ$46.7m, and none had a working-capital release.improvingflat+2.1%Fund. improving, price +2.1%Aligned favourable
SPNSouth Port New ZealandRevenue growth: 17.5%, above normal range; 4-period mean 6.2%, range -0.2%-16.1%.improvingup+13.7%Fund. improving, price +13.7%Aligned favourable
SEKSeekaEBITDA margin: 21.8%, above normal range; 3-period mean 13.5%, range 8.6%-18.5%.improvingup+22.5%Fund. improving, price +22.5%Aligned favourable
CVTComvitaimprovingup+46.8%Fund. improving, price +46.8%Aligned favourable
MFBMy Food Bag GroupDebtor days: 3.0 days, unprecedented high; 4-period mean 0.8 days, range 0.4 days-1.2 days.improvingup+30.2%Fund. improving, price +30.2%Aligned favourable
TAHThird Age Health Servicesimprovingflat+4.2%Fund. improving, price +4.2%Aligned favourable
PHLPromisia HealthcareOCF / EBITDA cash conversion: 96.2%, below normal range; 3-period mean 167.2%, range 107.1%-197.5%.improvingup+9.3%Fund. improving, price +9.3%Aligned favourable
BFGBurger Fuel GroupDebtor days: 28.3 days, below normal range; 3-period mean 30.3 days, range 28.9 days-32.4 days.improvingflat+2.9%Fund. improving, price +2.9%Aligned favourable
MELMeridian EnergyRevenue growth: -11.0%, below normal range; 3-period mean 12.1%, range -8.6%-38.1%.stableflat-2.4%Fund. stable, price -2.4%Stable
CENContact EnergyEBITDA margin: 30.9%, above normal range; 3-period mean 25.2%, range 23.7%-27.1%.stableflat+2.3%Fund. stable, price +2.3%Stable
MFTMainfreightstableflat-4.1%Fund. stable, price -4.1%Stable
ATMThe a2 Milk Companystableflat-0.6%Fund. stable, price -0.6%Stable
KPGKiwi Property GroupDebtor days: 11.1 days, below normal range; 4-period mean 14.1 days, range 12.1 days-17.5 days.stableflat0.0%Fund. stable, price 0.0%Stable
PFIProperty for Industrystableflat+2.2%Fund. stable, price +2.2%Stable
ARGArgosy Propertystableflat-4.0%Fund. stable, price -4.0%Stable
PGWPGG Wrightsonstableflat+0.5%Fund. stable, price +0.5%Stable
RADRadius Residential CareDebtor days: 21.2 days, below normal range; 3-period mean 27.4 days, range 24.0 days-32.6 days.stableflat+2.5%Fund. stable, price +2.5%Stable
IPRIperionstableflat0.0%Fund. stable, price 0.0%Stable
EBOEBOS Groupstabledown-44.7%Fund. stable, price -44.7%Decoupled downside
SPKSpark New ZealandOCF / EBITDA cash conversion: 134.6%, above normal range; 3-period mean 69.5%, range 57.9%-85.1%.stabledown-27.7%Fund. stable, price -27.7%Decoupled downside
PCTPrecinct Propertiesstabledown-9.8%Fund. stable, price -9.8%Decoupled downside
SUMSummerset Group HoldingsDebtor days: 9.1 days, above normal range; 3-period mean 7.5 days, range 6.9 days-8.3 days.stabledown-30.7%Fund. stable, price -30.7%Decoupled downside
BGPBriscoe Groupstabledown-20.6%Fund. stable, price -20.6%Decoupled downside
SKCSkyCity Entertainment Groupstabledown-39.1%Fund. stable, price -39.1%Decoupled downside
WINWinton Landstabledown-38.8%Fund. stable, price -38.8%Decoupled downside
SKOSerkostabledown-55.1%Fund. stable, price -55.1%Decoupled downside
KMDKMD Brandsstabledown-56.5%Fund. stable, price -56.5%Decoupled downside
STUSteel & Tube Holdingsstabledown-52.1%Fund. stable, price -52.1%Decoupled downside
APLAsset Plusstabledown-17.5%Fund. stable, price -17.5%Decoupled downside
AOFAoFrioDebtor days: 124.7 days, above normal range; 3-period mean 84.0 days, range 76.2 days-93.8 days.stabledown-20.4%Fund. stable, price -20.4%Decoupled downside
MPGMetro Performance Glassstabledown-33.3%Fund. stable, price -33.3%Decoupled downside
GENGeneral CapitalDebtor days: 3.2 days, above normal range; 3-period mean 0.1 days, range 0.0 days-0.2 days.stabledown-13.3%Fund. stable, price -13.3%Decoupled downside
MOVMOVE Logistics Groupstabledown-16.2%Fund. stable, price -16.2%Decoupled downside
BLTBLIS TechnologiesInventory days: 39.6 days, above normal range; 3-period mean 23.3 days, range 21.0 days-26.2 days.stabledown-15.8%Fund. stable, price -15.8%Decoupled downside
TRUTruscreen Groupstabledown-11.1%Fund. stable, price -11.1%Decoupled downside
CCCCooks Coffee CompanyDebtor days: 67.5 days, below normal range; 3-period mean 93.3 days, range 72.4 days-134.3 days.stabledown-37.4%Fund. stable, price -37.4%Decoupled downside
NTLNew Talisman Gold Minesstabledown-81.0%Fund. stable, price -81.0%Decoupled downside
ENSEnprise Groupstabledown-34.2%Fund. stable, price -34.2%Decoupled downside
AIAAuckland International Airportstableup+12.2%Fund. stable, price +12.2%Decoupled upside
MCYMercury NZstableup+9.5%Fund. stable, price +9.5%Decoupled upside
FBUFletcher BuildingOCF / EBITDA cash conversion: 47.1%, unprecedented high; 4-period mean -8.9%, range -37.6%-31.2%.stableup+22.2%Fund. stable, price +22.2%Decoupled upside
GNEGenesis EnergyInventory days: 37.7 days, above normal range; 3-period mean 25.9 days, range 18.3 days-37.2 days.stableup+9.3%Fund. stable, price +9.3%Decoupled upside
CHIChannel Infrastructure NZOCF / EBITDA cash conversion: 79.6%, above normal range; 4-period mean 33.3%, range -24.6%-68.2%.stableup+53.5%Fund. stable, price +53.5%Decoupled upside
SCLScales CorporationDebtor days: 25.8 days, unprecedented high; 4-period mean 19.6 days, range 16.5 days-23.7 days.stableup+37.9%Fund. stable, price +37.9%Decoupled upside
NPHNapier Port Holdingsstableup+15.1%Fund. stable, price +15.1%Decoupled upside
TRATurners Automotive GroupInventory days: 21.8 days, below normal range; 3-period mean 31.1 days, range 22.0 days-37.2 days.stableup+20.7%Fund. stable, price +20.7%Decoupled upside
SANSanfordstableup+20.7%Fund. stable, price +20.7%Decoupled upside
RAKRakonRevenue growth: 30.2%, above normal range; 3-period mean -19.9%, range -32.0%-2.0%.stableup+176.8%Fund. stable, price +176.8%Decoupled upside
MCKMillennium & Copthorne Hotels New ZealandDebtor days: 20.0 days, above normal range; 3-period mean 17.1 days, range 15.4 days-19.9 days.stableup+15.1%Fund. stable, price +15.1%Decoupled upside
IKEikeGPS GroupInventory days: 182.4 days, unprecedented high; 4-period mean 49.9 days, range 29.3 days-89.9 days.stableup+17.0%Fund. stable, price +17.0%Decoupled upside
SCTScott TechnologyDebtor days: 64.4 days, unprecedented high; 4-period mean 51.7 days, range 46.4 days-60.2 days.stableup+27.0%Fund. stable, price +27.0%Decoupled upside
LICLivestock Improvement Corporationstableup+26.3%Fund. stable, price +26.3%Decoupled upside
NZKNew Zealand King Salmon InvestmentsDebtor days: 29.7 days, above normal range; 3-period mean 26.1 days, range 23.4 days-28.1 days.stableup+6.8%Fund. stable, price +6.8%Decoupled upside
AIRAir New Zealanddeterioratingdown-25.0%Fund. deteriorating, price -25.0%Aligned unfavourable
GTKGentrack Group Limited 6 months to 31 March 2026deterioratingdown-66.9%Fund. deteriorating, price -66.9%Aligned unfavourable
SMLSynlait MilkEBITDA margin: -4.5%, unprecedented low; 5-period mean 6.5%, range 3.0%-8.7%.deterioratingdown-40.6%Fund. deteriorating, price -40.6%Aligned unfavourable
WHSThe Warehouse Groupdeterioratingdown-27.7%Fund. deteriorating, price -27.7%Aligned unfavourable
ERDEROADEBITDA margin: 20.0%, below normal range; 3-period mean 28.6%, range 25.8%-30.7%.deterioratingdown-24.4%Fund. deteriorating, price -24.4%Aligned unfavourable
CDICDL Investments New Zealanddeterioratingdown-20.0%Fund. deteriorating, price -20.0%Aligned unfavourable
SVRSavorEBITDA margin: 14.5%, above normal range; 5-period mean 11.5%, range 9.8%-14.2%.deterioratingdown-13.9%Fund. deteriorating, price -13.9%Aligned unfavourable
MEEMe TodayEBITDA margin: -32.4%, unprecedented high; 4-period mean -76.6%, range -97.7%--47.9%.deterioratingdown-45.6%Fund. deteriorating, price -45.6%Aligned unfavourable
AFCAFC Group Holdingsdeterioratingflat0.0%Fund. deteriorating, price 0.0%Aligned unfavourable
IFTInfratildeterioratingup+35.1%Fund. deteriorating, price +35.1%Warning signal
CNUChorusEBITDA margin: 70.6%, above normal range; 3-period mean 69.5%, range 69.0%-70.2%.deterioratingup+14.0%Fund. deteriorating, price +14.0%Warning signal
TWRTowerdeterioratingup+12.0%Fund. deteriorating, price +12.0%Warning signal
OCAOceania HealthcareOCF / EBITDA cash conversion: 190.3%, above normal range; 3-period mean 130.3%, range 81.2%-182.0%.deterioratingup+6.3%Fund. deteriorating, price +6.3%Warning signal
PEBPacific Edgedeterioratingup+147.6%Fund. deteriorating, price +147.6%Warning signal
BRWBremworthDebtor days: 90.2 days, unprecedented high; 4-period mean 56.2 days, range 46.7 days-81.9 days.deterioratingup+16.7%Fund. deteriorating, price +16.7%Warning signal
FCGFonterra Co-operative Groupinsufficient dataup+34.8%Fund. insufficient data, price +34.8%Insufficient data
VCTVectorinsufficient dataup+13.0%Fund. insufficient data, price +13.0%Insufficient data
RTOBlackwell Global Holdingsinsufficient dataflat+2.3%Fund. insufficient data, price +2.3%Insufficient data
GMTGoodman Property Truststableinsufficient dataFund. stable, price Not availableInsufficient data
How this is calculated

Fundamentals combine revenue, NPAT, and cash-flow direction across the latest comparable period. Revenue uses a 2% band; NPAT and cash flow use a 5% band. At least two inputs must resolve or the row is marked insufficient.

Price direction uses 12-month share-price movement with the same5% up/down band. Category is the explicit combination of fundamental direction and price direction, so flat fundamentals with a moved price no longer collapse into a generic stable bucket.

Decoupled upside and downside rows are the pure Mr. Market cases: fundamentals are stable while the price moved outside the flat band. Moves beyond 20% are the cleanest examples and are surfaced by the price-is-noise page.

Fundamental direction combines revenue, NPAT, and cash-flow direction across the most recent reported period vs the prior comparable period. Share price direction is the 12-month percentage change, classified using a 5% band. This page shows divergence between the two — not a recommendation. See the full principles methodology for thresholds and edge cases.

Listed investment vehicles are excluded from these principle rankings because operating cash flow and earnings-yield metrics work differently for these structures: AFI, BAI, BRM, HFL, KFL, MLN, TEM.

Cash-flow direction uses FCF where available and operating cash flow where FCF is not disclosed. CVT and GNZ currently have incomplete 12-month market-data fields, so their price-direction fields remain insufficient until those inputs resolve.