What is HALLMARK FINCL SVCS INC's earnings per share (EPS)?

HALLMARK FINCL SVCS INC (HALL) reported diluted earnings per share of -$59.47 for fiscal year 2022. EPS represents the portion of a company's net income allocated to each outstanding share of common stock and is widely used to evaluate profitability on a per-share basis.

HALLMARK FINCL SVCS INC (HALL) Financials

HALL

Trailing 12 months to September 30, 2023

Revenue $165.9M YoY not available

Net Income -$79.9M YoY not available

EPS (Diluted) -$93.84 YoY not available

Free Cash Flow -$263.8M -229.0% YoY

Source SEC Filings (10-K/10-Q) Latest period Q3 FY2023, ended Sep 30, 2023 Reported Nov 14, 2023 Currency USD FYE December

Newest figures come from the 10-Q for Q3 FY2023, filed Nov 14, 2023. Each column of the statement tables below links to the filing it was taken from.

HALLMARK FINCL SVCS INC (HALL) reported $165.9M in revenue over the twelve months to Sep 30, 2023. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 14 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI HALL FY2022 2026-10-03

A balance-sheet-heavy business saw 2022 losses consume equity while cash outflows reversed the prior year's temporary improvement.

Earnings quality deteriorated sharply: net income moved from a $9M profit in FY2021 to a $108M loss in FY2022, while operating cash flow shifted from $44M positive to -$165M. Because accounting results and cash generation changed direction together, the deterioration was not merely a noncash accounting effect.

The balance sheet is carrying far more obligations relative to its remaining equity: debt-to-equity rose from 7.9x to 24.5x as equity fell from $176M in FY2021 to $60M in FY2022. With assets of $1.5B against revenue of $160M, leverage and capital absorption matter more here than conventional operating-margin analysis.

The cash shortfall was overwhelmingly operational rather than an investment program: FY2022 free cash flow was -$167M versus operating cash flow of -$165M, while capital expenditures were only $2M. That combination means the year's cash pressure was not primarily caused by heavy reinvestment, and it followed FY2021's $42M positive free cash flow.

Financial Health Signals

Financial health score not available

HALLMARK FINCL SVCS INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.

Piotroski F-Score Partial

1/6

HALLMARK FINCL SVCS INC passes 1 of 6 computable financial strength tests (3 of the nine could not be computed from available data). No profitability signals pass, all 1 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality No Cash Backing

N/A

HALLMARK FINCL SVCS INC reported a net loss of $108.1M while operations used $165.0M of cash. With neither figure positive, the ratio between the two carries no quality signal.

Key Financial Metrics

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Earnings & Revenue

Revenue

$41.9M

YoY+9.6%

QoQ0.0%

HALLMARK FINCL SVCS INC generated $41.9M in revenue in Q3 2023. This represents an increase of 9.6% from the same quarter a year earlier. It is unchanged from the prior quarter.

Net Income

-$21.5M

YoY+23.6%

QoQ-80.6%

HALLMARK FINCL SVCS INC reported -$21.5M in net income in Q3 2023. This represents an increase of 23.6% from the same quarter a year earlier. Against the prior quarter it is down 80.6%.

EPS (Diluted)

-$11.83

QoQ-80.6%

HALLMARK FINCL SVCS INC earned -$11.83 per diluted share (EPS) in Q3 2023. Against the prior quarter it is down 80.6%.

EBITDA

Not reported for Q3 2023.

Cash & Balance Sheet

Free Cash Flow

-$109.1M

YoY-2936.9%

QoQ-2334.4%

HALLMARK FINCL SVCS INC recorded an outflow of $109.1M in free cash flow in Q3 2023, representing a cash shortfall after capex. This represents a decrease of 2936.9% from the same quarter a year earlier. Against the prior quarter it is down 2334.4%.

Cash & Debt

$75.7M

YoY-41.6%

QoQ-49.7%

5Y CAGR+4.8%

10Y CAGR-6.7%

HALLMARK FINCL SVCS INC held $75.7M in cash as of Q3 2023; long-term debt is not reported for that period.

Shares Outstanding

QoQ0.0%

HALLMARK FINCL SVCS INC had 2M shares outstanding in Q3 2023. It is unchanged from the prior quarter.

Dividends Per Share

Not reported for Q3 2023.

Margins & Returns

Net Margin

-51.3%

YoY+22.3pp

QoQ-22.9pp

HALLMARK FINCL SVCS INC's net profit margin was -51.3% in Q3 2023, showing the share of revenue converted to profit. This is up 22.3 percentage points from the same quarter a year earlier. Against the prior quarter it is down 22.9 percentage points.

Gross Margin

Not reported for Q3 2023.

Operating Margin

Not reported for Q3 2023.

Return on Equity

Not reported for Q3 2023.

Capital Allocation

Capital Expenditures

$23K

YoY-92.4%

QoQ-94.4%

5Y CAGR-43.8%

10Y CAGR-11.0%

HALLMARK FINCL SVCS INC invested $23K in capex in Q3 2023, funding long-term assets and infrastructure. This represents a decrease of 92.4% from the same quarter a year earlier. Against the prior quarter it is down 94.4%.

R&D Spending

Not reported for Q3 2023.

Share Buybacks

Not reported for Q3 2023.

HALL Income Statement

Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HALL quarterly income statement

Metric	TTM	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Revenue	$165.9M	$159.9M-29.4%	$226.5M-51.7%	$468.8M-3.6%	$486.4M+28.2%	$379.3M-1.6%	$385.5M+2.5%	$376.0M+1.0%	$372.4M+10.4%	$337.4M-13.4%	$389.4M+13.9%	$341.8M+5.9%	$322.8M+5.1%	$307.1M+7.0%	$287.0M
Interest Expense	$7.6M	$5.9M+18.2%	$5.0M-6.3%	$5.3M-1.6%	$5.4M+19.0%	$4.5M+0.7%	$4.5M-0.8%	$4.5M+16.5%	$3.9M-14.6%	$4.6M-0.5%	$4.6M-0.8%	$4.6M+0.1%	$4.6M+0.7%	$4.6M-0.1%	$4.6M
Income Tax	-$618K	$7.9M+392.3%	-$2.7M+87.4%	-$21.4M-5162.2%	-$407K-116.6%	$2.5M+148.9%	-$5.0M-357.1%	$2.0M-80.5%	$10.0M+87.2%	$5.4M+88.8%	$2.8M+698.1%	-$474K+94.7%	-$9.0M-1137.5%	$863K-90.0%	$8.6M
Net Income	-$79.9M	-$108.1M-1300.7%	$9.0M+109.5%	-$94.4M-14996.2%	-$625K-106.0%	$10.3M+189.6%	-$11.6M-277.0%	$6.5M-70.2%	$21.9M+62.8%	$13.4M+62.9%	$8.2M+134.0%	$3.5M+132.4%	-$10.9M-247.1%	$7.4M-69.9%	$24.6M
EPS (Basic)	N/A	-$59.47-1299.0%	$4.96+195.4%	-$5.20-17233.3%	-$0.03-105.3%	$0.57+190.5%	-$0.63-280.0%	$0.35-69.3%	$1.14+62.9%	$0.70+62.8%	$0.43+138.9%	$0.18+132.7%	-$0.55-248.6%	$0.37-68.9%	$1.19
EPS (Diluted)	-$93.84	-$59.47	$4.96	-$5.20-17233.3%	-$0.03-105.3%	$0.57+190.5%	-$0.63-285.3%	$0.34-69.9%	$1.13+63.8%	$0.69+60.5%	$0.43+138.9%	$0.18+132.7%	-$0.55-248.6%	$0.37-68.9%	$1.19
Diluted Shares (Avg)	N/A	2M	2M	18M+0.2%	18M-0.5%	18M-0.8%	18M-3.2%	19M-2.4%	19M+0.2%	19M0.0%	19M+0.5%	19M-2.1%	20M+97411.8%	20,175	N/A

Metric	Q3'2310-Q	Q2'2310-Q	Q1'2310-Q	Q4'2210-Q	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q	Q4'2110-K
Revenue	$41.9M+9.6%	$41.9M+12.8%	$39.8M-5.7%	$42.3M	$38.2M-15.9%	$37.2M-64.3%	$42.2M-62.3%	N/A
Interest Expense	$2.0M+33.2%	$1.9M+41.9%	$1.9M+50.2%	$1.7M	$1.5M+22.7%	$1.4M+9.4%	$1.3M+1.2%	N/A
Income Tax	$456K+145.3%	-$133K-101.1%	-$534K+83.2%	-$407K	-$1.0M-725.5%	$12.4M+7645.5%	-$3.2M-241.0%	N/A
Net Income	-$21.5M+23.6%	-$11.9M+82.8%	-$39.1M-1116.0%	-$7.3M	-$28.2M-917.2%	-$69.4M-8105.3%	-$3.2M-135.9%	N/A
EPS (Basic)	-$11.83+23.6%	-$6.55+82.8%	-$21.53-1116.4%	-$53.93-38421.4%	-$15.48-8247.4%	-$38.16-76220.0%	-$1.77-461.2%	-$0.14+67.4%
EPS (Diluted)	-$11.83	-$6.55	-$21.53	-$53.93	-$15.48	-$38.16	-$1.77	-$0.14+67.4%
Diluted Shares (Avg)	2M	2M	2M	N/A	2M	2M	2M	N/A

Not reported in any period shown, so not listed: Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA.

HALL Balance Sheet

HALL quarterly balance sheet

Metric	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Total Assets	$1.5B-1.1%	$1.6B+3.8%	$1.5B+0.1%	$1.5B+18.2%	$1.3B+2.7%	$1.2B0.0%	$1.2B+14.5%	$1.1B+9.7%	$980.9M+7.9%	$909.0M+15.0%	$790.5M+6.0%	$746.1M+1.2%	$737.3M	N/A
Cash & Equivalents	$59.1M-83.2%	$352.9M+244.0%	$102.6M+92.3%	$53.3M+49.8%	$35.6M-45.2%	$65.0M-18.4%	$79.6M-30.4%	$114.4M-12.6%	$131.0M-7.5%	$141.7M+66.4%	$85.1M+14.3%	$74.5M+23.1%	$60.5M-46.1%	$112.3M
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Accounts Receivable	N/A	N/A	N/A	N/A	$1.6M+7.0%	$1.5M-33.3%	$2.3M+13.2%	$2.0M-36.2%	$3.1M+31.9%	$2.4M-23.4%	$3.1M-21.2%	$3.9M-44.0%	$7.1M	N/A
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	$0	$0	$0-100.0%	$44.7M0.0%	$44.7M0.0%	$44.7M0.0%	$44.7M0.0%	$44.7M0.0%	$44.7M0.0%	$44.7M0.0%	$44.7M0.0%	$44.7M0.0%	$44.7M	N/A
Total Liabilities	$1.5B+7.1%	$1.4B+3.7%	$1.3B+7.9%	$1.2B+22.1%	$1.0B+3.0%	$980.0M+9.3%	$896.7M+10.2%	$813.5M+11.6%	$728.8M+8.6%	$670.9M+17.7%	$569.9M+7.7%	$529.2M+5.8%	$500.2M	N/A
Total Equity	$60.3M-65.6%	$175.5M+4.7%	$167.7M-36.2%	$262.8M+2.8%	$255.5M+1.8%	$251.1M-5.5%	$265.7M+1.4%	$262.0M+4.0%	$252.0M+5.8%	$238.1M+8.0%	$220.5M+2.3%	$215.6M-8.4%	$235.3M+3.9%	$226.5M
Retained Earnings	-$33.4M-144.7%	$74.7M+13.7%	$65.7M-59.1%	$160.6M-0.4%	$161.2M+18.1%	$136.5M-7.8%	$148.0M+4.6%	$141.5M+18.3%	$119.6M+12.6%	$106.2M+8.4%	$98.0M+3.7%	$94.4M-10.7%	$105.8M+7.4%	$98.5M

Metric	Q3'2310-Q	Q2'2310-Q	Q1'2310-Q	Q4'2210-Q	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q	Q4'2110-K
Total Assets	$1.1B-26.3%	$1.2B-14.8%	$1.5B-1.3%	$1.5B-1.1%	$1.5B-2.5%	$1.5B-2.7%	$1.5B-1.8%	$1.6B+3.8%
Cash & Equivalents	$75.7M-41.6%	$150.5M+33.0%	$105.5M-42.5%	$59.1M-83.2%	$129.5M-60.3%	$113.2M-65.3%	$183.4M-34.9%	$352.9M+244.0%
Short-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Long-Term Investments	$0	$0	$0	$0	$0	$0	$0	$0
Goodwill	N/A	N/A	N/A	$0	N/A	N/A	N/A	$0
Total Liabilities	$1.1B-22.3%	$1.2B-9.7%	$1.4B+9.6%	$1.5B+7.1%	$1.4B+5.5%	$1.4B+3.1%	$1.3B-1.3%	$1.4B+3.7%
Total Equity	-$7.8M-111.8%	$12.4M-87.1%	$23.5M-86.1%	$60.3M-65.6%	$65.8M-63.0%	$96.4M-44.9%	$169.8M-3.6%	$175.5M+4.7%
Retained Earnings	-$105.5M-304.3%	-$84.5M-4186.0%	-$72.5M-201.5%	-$33.4M-144.7%	-$26.1M-133.8%	$2.1M-97.3%	$71.5M-8.7%	$74.7M+13.7%

Not reported in any period shown, so not listed: Current Assets, Inventory, Accounts Receivable, Current Liabilities, Non-Current Liabilities, Long-Term Debt.

HALL Cash Flow Statement

HALL quarterly cash flow statement

Metric	TTM	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Operating Cash Flow	-$262.9M	-$165.0M-476.9%	$43.8M+163.1%	-$69.3M-350.5%	$27.7M+184.0%	-$32.9M-557.5%	$7.2M-76.7%	$30.9M-41.7%	$52.9M+57.2%	$33.7M-50.7%	$68.3M+102.9%	$33.7M+36.9%	$24.6M-32.3%	$36.4M-41.1%	$61.7M
Depreciation & Amortization	N/A	$2.0M-12.1%	$2.3M-60.0%	$5.8M+7.3%	$5.4M+4.4%	$5.1M+9.0%	$4.7M+21.1%	$3.9M+10.8%	$3.5M+9.1%	$3.2M-25.0%	$4.3M-2.7%	$4.4M-12.7%	$5.1M+6.6%	$4.8M+15.7%	$4.1M
Stock-Based Compensation	N/A	$340K+48.5%	$229K+157.3%	-$400K-145.1%	$887K+483.6%	$152K+2.0%	$149K+226.3%	-$118K-130.8%	$383K+72.5%	$222K-36.9%	$352K-7.4%	$380K-46.4%	$709K-36.4%	$1.1M-16.5%	$1.3M
Capital Expenditures	$882K	$2.4M+23.5%	$1.9M+14.6%	$1.7M-60.2%	$4.2M+99.3%	$2.1M-22.3%	$2.7M-37.7%	$4.3M+20.3%	$3.6M+560.8%	$546K-18.9%	$673K+529.0%	$107K-93.3%	$1.6M-10.6%	$1.8M+40.5%	$1.3M
Free Cash Flow	-$263.8M	-$167.3M-499.7%	$41.9M+159.0%	-$71.0M-402.3%	$23.5M+167.0%	-$35.0M-879.6%	$4.5M-83.1%	$26.5M-46.2%	$49.3M+48.9%	$33.1M-51.0%	$67.7M+101.5%	$33.6M+45.8%	$23.0M-33.4%	$34.6M-42.8%	$60.4M
Investing Cash Flow	$211.3M	-$103.1M-150.4%	$204.6M+66.8%	$122.7M+479.2%	-$32.4M-540.9%	$7.3M+134.2%	-$21.4M+63.2%	-$58.2M+39.5%	-$96.3M-127.9%	-$42.2M-257.5%	-$11.8M+34.7%	-$18.1M-378.7%	-$3.8M+95.7%	-$88.0M-4321.7%	-$2.0M
Financing Cash Flow	N/A	N/A	N/A	N/A	$19.2M+1324.3%	-$1.6M+69.2%	-$5.1M+31.7%	-$7.4M-127.7%	$26.8M+1363.0%	-$2.1M	N/A	-$4.9M+28.6%	-$6.9M-5679.0%	-$119K+98.2%	-$6.6M
Share Buybacks	N/A	N/A	N/A	N/A	$1.4M-23.6%	$1.8M-66.0%	$5.3M-13.2%	$6.1M+141.6%	$2.5M+40.3%	$1.8M	N/A	$0-100.0%	$6.4M	$0-100.0%	$5.3M

Metric	Q3'2310-Q	Q2'2310-Q	Q1'2310-Q	Q4'2210-Q	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q	Q4'2110-K
Operating Cash Flow	-$109.1M-2729.2%	-$4.1M+75.1%	-$58.9M+5.0%	-$90.8M-2436.3%	$4.2M-77.5%	-$16.3M-2729.3%	-$62.0M-310.3%	-$3.6M+44.3%
Depreciation & Amortization	$440K-10.9%	$424K-11.3%	$395K-8.6%	$617K+375.4%	$494K-43.3%	$478K-41.8%	$432K-48.0%	-$224K-115.0%
Stock-Based Compensation	N/A	N/A	$97K+56.5%	N/A	N/A	N/A	$62K-36.1%	N/A
Capital Expenditures	$23K-92.4%	$411K-66.1%	$238K-62.3%	$210K-24.5%	$303K-0.3%	$1.2M-4.0%	$631K+885.9%	$278K-28.7%
Free Cash Flow	-$109.1M-2936.9%	-$4.5M+74.4%	-$59.1M+5.6%	-$91.0M-2259.0%	$3.8M-78.8%	-$17.5M-852.7%	-$62.6M-312.9%	-$3.9M+43.4%
Investing Cash Flow	$30.5M+80.1%	$54.8M+201.4%	$84.8M+179.2%	$41.1M+34.2%	$16.9M+181.2%	-$54.1M-219.3%	-$107.1M-171.6%	$30.6M+134.2%

Not reported in any period shown, so not listed: Financing Cash Flow, Dividends Paid, Share Buybacks.

HALL Financial Ratios

Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.

HALL quarterly financial ratios

Metric	FY2210-K	FY2110-K	FY2010-K	FY1910-K	FY1810-K	FY1710-K	FY1610-K	FY1510-K	FY1410-K	FY1310-K	FY1210-K	FY1110-K	FY1010-K	FY0910-K
Net Margin	-67.6%-71.6pp	4.0%+24.1pp	-20.1%-20.0pp	-0.1%-2.9pp	2.7%+5.7pp	-3.0%-4.7pp	1.7%-4.1pp	5.9%+1.9pp	4.0%+1.9pp	2.1%+1.1pp	1.0%+4.4pp	-3.4%-5.8pp	2.4%-6.2pp	8.6%
Return on Equity	-179.3%-184.4pp	5.1%+61.4pp	-56.3%-56.0pp	-0.2%-4.3pp	4.0%+8.6pp	-4.6%-7.1pp	2.5%-5.9pp	8.3%+3.0pp	5.3%+1.9pp	3.5%+1.9pp	1.6%+6.7pp	-5.1%-8.2pp	3.1%-7.7pp	10.8%
Return on Assets	-7.0%-7.6pp	0.6%+6.9pp	-6.3%-6.3pp	0.0%-0.9pp	0.8%+1.8pp	-0.9%-1.5pp	0.5%-1.5pp	2.0%+0.7pp	1.4%+0.5pp	0.9%+0.5pp	0.4%+1.9pp	-1.5%-2.5pp	1.0%	N/A
Debt-to-Equity	24.49+16.6x	7.85-0.1x	7.92+3.2x	4.69+0.7x	3.950.0x	3.90+0.5x	3.37+0.3x	3.10+0.2x	2.89+0.1x	2.82+0.2x	2.58+0.1x	2.45+0.3x	2.13	N/A
Asset Turnover	0.100.0x	0.15-0.2x	0.310.0x	0.330.0x	0.300.0x	0.310.0x	0.310.0x	0.350.0x	0.34-0.1x	0.430.0x	0.430.0x	0.430.0x	0.42	N/A
FCF Margin	-104.6%	18.5%+33.6pp	-15.1%-20.0pp	4.8%+14.1pp	-9.2%-10.4pp	1.2%-5.9pp	7.0%-6.2pp	13.3%+3.4pp	9.8%-7.6pp	17.4%+7.6pp	9.8%+2.7pp	7.1%-4.1pp	11.3%-9.8pp	21.1%

Metric	Q3'2310-Q	Q2'2310-Q	Q1'2310-Q	Q4'2210-Q	Q3'2210-Q	Q2'2210-Q	Q1'2210-Q	Q4'2110-K
Net Margin	-51.3%+22.3pp	-28.4%	-98.3%-90.6pp	-17.3%	-73.6%-81.2pp	-186.8%	-7.6%-15.6pp	N/A
Return on Equity	N/A	-96.2%-24.1pp	-166.3%-164.4pp	-12.1%	-42.8%-44.8pp	-72.0%-71.5pp	-1.9%-7.0pp	N/A
Return on Assets	-2.0%-0.1pp	-0.9%+3.8pp	-2.7%-2.4pp	-0.5%	-1.9%-2.1pp	-4.7%-4.7pp	-0.2%-0.8pp	N/A
Debt-to-Equity	N/A	99.88+85.7x	61.47+53.7x	24.49+16.6x	21.53+14.0x	14.21+6.6x	7.77+0.2x	7.85-0.1x
Asset Turnover	0.040.0x	0.030.0x	0.030.0x	0.03	0.030.0x	0.030.0x	0.030.0x	N/A
FCF Margin	-260.5%	-10.7%+36.5pp	-148.5%	-215.1%	10.1%-29.8pp	-47.2%-45.4pp	-148.3%	N/A

Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Current Ratio.

Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Net Margin, FCF Margin.

Similar Companies

Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.

Company	Fiscal year	Revenue	Net income	Net margin	Market cap	Health score
HALLMARK FINCL SVCS INC HALL	FY2022	$159.9M	-$108.1M	-67.6%	$145K	—
QUAD M SOLUTIONS INC MMMM	FY2022	$54.9M	-$4.2M	-7.7%	$22K	—

Where HALLMARK FINCL SVCS INC Ranks

Frequently Asked Questions

What is HALLMARK FINCL SVCS INC's annual revenue?

HALLMARK FINCL SVCS INC (HALL) reported $159.9M in total revenue for fiscal year 2022. This represents a -29.4% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

How fast is HALLMARK FINCL SVCS INC's revenue growing?

HALLMARK FINCL SVCS INC (HALL) revenue declined by 29.4% year-over-year, from $226.5M to $159.9M in fiscal year 2022.

Is HALLMARK FINCL SVCS INC profitable?

No, HALLMARK FINCL SVCS INC (HALL) reported a net income of -$108.1M in fiscal year 2022, with a net profit margin of -67.6%.

What is HALLMARK FINCL SVCS INC's net profit margin?

HALLMARK FINCL SVCS INC (HALL) had a net profit margin of -67.6% in fiscal year 2022, representing the share of revenue converted into profit after all expenses.

What is HALLMARK FINCL SVCS INC's return on equity (ROE)?

HALLMARK FINCL SVCS INC (HALL) has a return on equity of -179.3% for fiscal year 2022, measuring how efficiently the company generates profit from shareholder equity.

What is HALLMARK FINCL SVCS INC's free cash flow?

HALLMARK FINCL SVCS INC (HALL) recorded an outflow of $167.3M in free cash flow during fiscal year 2022. This represents a -499.7% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

What is HALLMARK FINCL SVCS INC's operating cash flow?

HALLMARK FINCL SVCS INC (HALL) recorded an outflow of $165.0M in operating cash flow during fiscal year 2022, representing cash used by core business activities.

What are HALLMARK FINCL SVCS INC's total assets?

HALLMARK FINCL SVCS INC (HALL) had $1.5B in total assets as of fiscal year 2022, including both current and long-term assets.

What are HALLMARK FINCL SVCS INC's capital expenditures?

HALLMARK FINCL SVCS INC (HALL) invested $2.4M in capital expenditures during fiscal year 2022, funding long-term assets and infrastructure.

How many shares does HALLMARK FINCL SVCS INC have outstanding?

HALLMARK FINCL SVCS INC (HALL) had 2M shares outstanding as of fiscal year 2022.

What is HALLMARK FINCL SVCS INC's debt-to-equity ratio?

HALLMARK FINCL SVCS INC (HALL) had a debt-to-equity ratio of 24.49 as of fiscal year 2022, measuring the company's financial leverage by comparing total debt to shareholder equity.

What is HALLMARK FINCL SVCS INC's return on assets (ROA)?

HALLMARK FINCL SVCS INC (HALL) had a return on assets of -7.0% for fiscal year 2022, measuring how efficiently the company uses its assets to generate profit.

What is HALLMARK FINCL SVCS INC's Piotroski F-Score?

HALLMARK FINCL SVCS INC (HALL) has a Piotroski F-Score of 1 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Are HALLMARK FINCL SVCS INC's earnings high quality?

HALLMARK FINCL SVCS INC (HALL) reported a net loss of $108.1M while operations used $165.0M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.