KINDCARD, INC.

KCRDCIK 0001696025

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Financial snapshot

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Filings

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Analytical signals

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Calculations over this company’s filings, each compared with a stated threshold. They indicate where to read more closely; they are analytical evidence, not conclusions, and none implies wrongdoing.

Earnings quality

P-01 · Calculated

Outside model range

FY 2026-01-31

Beneish M-Score -26.47: outside the range in which the model is defined

Calculated, not presented as a result

The calculation is outside what this model can support: a model input is outside its defined range (total accruals exceed the whole asset base; the Sloan accrual ratio exceeds the whole asset base).

The raw calculation is kept under Details for audit. It is not shown as a level, a score, a ranking or a multiple of a base rate.

Trend: flat

How reported earnings relate to accruals and to changes in receivables, margins and asset quality.

P-01 inputs
Input	Value
m_score	-26.471
threshold	-1.78
ratios.DSRI	1
ratios.GMI	1.038
ratios.AQI	0.407
ratios.SGI	0.89
ratios.DEPI	1
ratios.SGAI	1
ratios.LVGI	1.729
ratios.TATA	-5.009
defaulted_to_neutral	DSRI, DEPI, SGAI
sloan_accruals	-3.7474
inputs.revenue_t	365708
inputs.revenue_t1	410869
inputs.total_assets_t	51413
inputs.net_income_t	-210436
inputs.cfo_t	47071
stale	false
latest_filing_period	2026-01-31
raw_result.score	0
raw_result.level	0
raw_result.headline	Beneish M-Score -26.47 — no manipulation profile
validity.status	OUT_OF_RANGE
validity.reason	a model input is outside its defined range (total accruals exceed the whole asset base; the Sloan accrual ratio exceeds the whole asset base)

Trend

10-K· 2026-05-19 Methodology

Restatement indicators

P-12 · Calculated

Outside model range

FY 2026-01-31

F-Score 0.11: outside the range in which the model is defined

Calculated, not presented as a result

The calculation is outside what this model can support: a model input is outside its defined range (accruals (RSST) exceeds the whole asset base; change in ROA exceeds the whole asset base).

The raw calculation is kept under Details for audit. It is not shown as a level, a score, a ranking or a multiple of a base rate.

Trend: flat

How closely reported accruals and financing patterns resemble those of companies that later restated.

P-12 inputs
Input	Value
f_score	0.109
probability	0.0004
components.rsst	-3.7474
components.drec	null
components.dinv	null
components.soft	1
components.dcs	-0.1099
components.droa	-1.1609
components.issue	0
model	Dechow et al. 2011, Model 1 (simplified RSST)
thresholds.elevated	1
thresholds.triggered	1.85
stale	false
latest_filing_period	2026-01-31
raw_result.score	3.6
raw_result.level	0
raw_result.headline	F-Score 0.11 — at or below the population base rate
validity.status	OUT_OF_RANGE
validity.reason	a model input is outside its defined range (accruals (RSST) exceeds the whole asset base; change in ROA exceeds the whole asset base)

Trend

10-K· 2026-05-19 Methodology

No stored result for Subsidiary jurisdictions, ESG disclosure support, Effective tax rate, Pension funding, Insider filing timing, Language change, Strategic-review language, Carbon-exposed assets, Interest coverage. Some signals are computed on request, and others need inputs this company’s filings do not tag; a missing result is not a finding either way.

Methodology and sources

Financial figures come from SEC XBRL company facts (annual reports). Choose any evidence marker to see the filing behind a value.
Filing text comes from SEC EDGAR. Browse this company on EDGAR ↗
Signals are calculated by Stratum from those filings. Some use AI to read filing text, and every AI claim must quote the document verbatim or it is discarded. Full methodology

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