Coffee Holding Financials
This page shows Coffee Holding (JVA) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 16 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).
Financial Health Signals
Based on FY2025 annual data. Scores normalized against common benchmarks. How we calculate these scores
Coffee Holding has an operating margin of 2.2%, meaning the company retains $2 of operating profit per $100 of revenue. This below-average margin results in a low score of 11/100, suggesting thin profitability after operating expenses. This is down from 3.8% the prior year.
Coffee Holding's revenue surged 22.6% year-over-year to $96.3M, reflecting rapid business expansion. This strong growth earns a score of 93/100.
Coffee Holding carries a low D/E ratio of 0.52, meaning only $0.52 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 92/100, indicating a strong balance sheet with room for future borrowing.
With a current ratio of 2.77, Coffee Holding holds $2.77 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 91/100.
While Coffee Holding generated -$5.0M in operating cash flow, capex of $192K consumed most of it, leaving -$5.2M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
Coffee Holding generates a 5.1% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 20/100. This is down from 8.1% the prior year.
Coffee Holding scores 4.28, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Coffee Holding passes 3 of 9 financial strength tests. 1 of 4 profitability signals pass, 1 of 3 leverage/liquidity signals pass, 1 of 2 efficiency signals pass.
For every $1 of reported earnings, Coffee Holding generates $-3.58 in operating cash flow (-$5.0M OCF vs $1.4M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Coffee Holding earns $8.9 in operating income for every $1 of interest expense ($2.2M vs $241K). This wide margin provides strong safety for debt servicing, even if earnings decline temporarily.
Key Financial Metrics
Coffee Holding generated $96.3M in revenue in fiscal year 2025. This represents an increase of 22.6% from the prior year.
Coffee Holding's EBITDA was $2.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 20.2% from the prior year.
Coffee Holding generated -$5.2M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 201.7% from the prior year.
Coffee Holding reported $1.4M in net income in fiscal year 2025. This represents a decrease of 36.7% from the prior year.
Coffee Holding earned $0.25 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 35.9% from the prior year.
Coffee Holding held $702K in cash against $0 in long-term debt as of fiscal year 2025.
Coffee Holding had 6M shares outstanding in fiscal year 2025. This represents an increase of 0.0% from the prior year.
Coffee Holding's gross margin was 16.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs. This is down 4.4 percentage points from the prior year.
Coffee Holding's operating margin was 2.2% in fiscal year 2025, reflecting core business profitability. This is down 1.5 percentage points from the prior year.
Coffee Holding's net profit margin was 1.5% in fiscal year 2025, showing the share of revenue converted to profit. This is down 1.4 percentage points from the prior year.
Coffee Holding's ROE was 5.1% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 3.0 percentage points from the prior year.
Coffee Holding invested $192K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 37.6% from the prior year.
JVA Income Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q3'23 | Q2'23 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $23.9M+2.5% | $23.3M+9.5% | $21.3M+13.2% | $18.8M-1.0% | $19.0M-2.8% | $19.5M+24.0% | $15.8M+2.9% | $15.3M |
| Cost of Revenue | $21.0M+11.1% | $18.9M+21.4% | $15.6M+4.6% | $14.9M-2.6% | $15.3M-4.8% | $16.1M+20.6% | $13.3M+6.6% | $12.5M |
| Gross Profit | $2.9M-34.1% | $4.4M-22.9% | $5.7M+46.0% | $3.9M+6.0% | $3.7M+6.4% | $3.5M+42.1% | $2.4M-13.5% | $2.8M |
| R&D Expenses | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A Expenses | $3.8M+16.4% | $3.3M-16.4% | $3.9M+29.0% | $3.0M-16.1% | $3.6M+34.9% | $2.7M-0.7% | $2.7M-11.8% | $3.1M |
| Operating Income | -$1.1M-223.2% | $889K-44.1% | $1.6M+121.0% | $720K+1180.1% | -$67K-110.8% | $617K+253.0% | -$403K-4.9% | -$384K |
| Interest Expense | $93K+428.0% | $18K-44.6% | $32K-29.1% | $45K-39.1% | $73K-37.7% | $118K-18.4% | $144K+20.9% | $119K |
| Income Tax | $18K-92.3% | $227K-44.1% | $406K+56.6% | $259K+433.9% | -$78K-154.5% | $142K+453.6% | -$40K+72.8% | -$148K |
| Net Income | -$1.2M-287.2% | $644K-44.2% | $1.2M+84.0% | $627K+2969.8% | -$22K-106.2% | $351K+413.7% | -$112K+68.9% | -$360K |
| EPS (Diluted) | $-0.21-290.9% | $0.11-45.0% | $0.20+81.8% | $0.11 | N/A | $0.06+400.0% | $-0.02+66.7% | $-0.06 |
JVA Balance Sheet
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q3'23 | Q2'23 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $42.0M+5.8% | $39.7M+2.2% | $38.9M+14.3% | $34.0M-2.6% | $34.9M-7.1% | $37.6M-10.9% | $42.2M+13.0% | $37.3M |
| Current Assets | $35.4M+9.7% | $32.3M+2.7% | $31.5M+10.9% | $28.4M+5.2% | $27.0M-9.0% | $29.6M-12.7% | $34.0M+31.6% | $25.8M |
| Cash & Equivalents | $702K-61.7% | $1.8M-22.4% | $2.4M+71.0% | $1.4M-43.1% | $2.4M+0.8% | $2.4M-11.9% | $2.7M+86.2% | $1.5M |
| Inventory | $20.4M+18.8% | $17.2M+15.2% | $15.0M-4.8% | $15.7M+1.2% | $15.5M-8.8% | $17.0M-10.4% | $19.0M+20.0% | $15.8M |
| Accounts Receivable | $12.1M+19.2% | $10.1M-14.7% | $11.9M+27.0% | $9.4M+26.7% | $7.4M-8.4% | $8.1M+1.1% | $8.0M+20.9% | $6.6M |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Liabilities | $14.5M+23.1% | $11.8M+1.8% | $11.6M+47.5% | $7.8M-28.0% | $10.9M-19.5% | $13.5M-26.9% | $18.5M+35.2% | $13.7M |
| Current Liabilities | $12.8M+97.3% | $6.5M-28.5% | $9.1M+32.6% | $6.8M-17.0% | $8.2M-23.3% | $10.7M-30.1% | $15.4M+455.7% | $2.8M |
| Long-Term Debt | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Total Equity | $27.6M-1.4% | $28.0M+2.4% | $27.3M+4.4% | $26.2M+7.8% | $24.3M-0.1% | $24.3M+1.5% | $24.0M+0.2% | $23.9M |
| Retained Earnings | $13.1M-2.9% | $13.5M+5.0% | $12.9M+9.8% | $11.7M+19.2% | $9.8M-0.2% | $9.8M+3.7% | $9.5M+0.6% | $9.4M |
JVA Cash Flow Statement
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q3'23 | Q2'23 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $378K+132.7% | -$1.2M-187.2% | -$402K-281.1% | $222K+118.4% | -$1.2M-126.2% | $4.6M+3224.1% | -$147K+90.6% | -$1.6M |
| Capital Expenditures | $112K+648.9% | $15K-16.2% | $18K-50.6% | $36K | N/A | N/A | $136K-66.6% | $407K |
| Free Cash Flow | $265K+122.7% | -$1.2M-178.5% | -$420K-326.0% | $186K | N/A | N/A | -$283K+85.7% | -$2.0M |
| Investing Cash Flow | -$456K-160.4% | -$175K+78.6% | -$818K-2156.2% | -$36K | N/A | N/A | -$136K+66.6% | -$407K |
| Financing Cash Flow | -$200K-125.0% | $800K-63.6% | $2.2M+215.6% | -$1.9M-11.8% | -$1.7M+65.4% | -$4.9M-922.1% | $599K+173.9% | -$810K |
| Dividends Paid | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
JVA Financial Ratios
| Metric | Q3'25 | Q2'25 | Q1'25 | Q3'24 | Q2'24 | Q1'24 | Q3'23 | Q2'23 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 12.2%-6.8pp | 18.9%-8.0pp | 26.9%+6.0pp | 20.9%+1.4pp | 19.5%+1.7pp | 17.8%+2.3pp | 15.5%-3.0pp | 18.5% |
| Operating Margin | -4.6%-8.4pp | 3.8%-3.7pp | 7.5%+3.6pp | 3.8%+4.2pp | -0.4%-3.5pp | 3.2%+5.7pp | -2.6%-0.1pp | -2.5% |
| Net Margin | -5.0%-7.8pp | 2.8%-2.7pp | 5.4%+2.1pp | 3.3%+3.4pp | -0.1%-1.9pp | 1.8%+2.5pp | -0.7%+1.6pp | -2.4% |
| Return on Equity | N/A | 2.3%-1.9pp | 4.2%+1.7pp | 2.5% | N/A | 1.4% | N/A | N/A |
| Return on Assets | -2.6%-4.3pp | 1.6%-1.4pp | 3.0%+1.1pp | 1.9%+2.0pp | -0.1%-1.0pp | 0.9%+1.2pp | -0.3%+0.7pp | -1.0% |
| Current Ratio | 2.77-2.2 | 4.98+1.5 | 3.47-0.7 | 4.14+0.9 | 3.27+0.5 | 2.76+0.5 | 2.21-7.1 | 9.33 |
| Debt-to-Equity | 0.52+0.1 | 0.420.0 | 0.42+0.1 | 0.30-0.1 | 0.45-0.1 | 0.56-0.2 | 0.77+0.2 | 0.57 |
| FCF Margin | -16.3%-11.2pp | -5.0%-3.0pp | -2.0%-11.4pp | 9.4% | N/A | N/A | -3.5%+9.4pp | -12.9% |
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Frequently Asked Questions
What is Coffee Holding's annual revenue?
Coffee Holding (JVA) reported $96.3M in total revenue for fiscal year 2025. This represents a 22.6% 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 Coffee Holding's revenue growing?
Coffee Holding (JVA) revenue grew by 22.6% year-over-year, from $78.6M to $96.3M in fiscal year 2025.
Is Coffee Holding profitable?
Yes, Coffee Holding (JVA) reported a net income of $1.4M in fiscal year 2025, with a net profit margin of 1.5%.
What is Coffee Holding's earnings per share (EPS)?
Coffee Holding (JVA) reported diluted earnings per share of $0.25 for fiscal year 2025. This represents a -35.9% change compared to the previous fiscal year. 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.
What is Coffee Holding's EBITDA?
Coffee Holding (JVA) had EBITDA of $2.9M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Coffee Holding's gross margin?
Coffee Holding (JVA) had a gross margin of 16.0% in fiscal year 2025, indicating the percentage of revenue retained after direct costs of goods sold.
What is Coffee Holding's operating margin?
Coffee Holding (JVA) had an operating margin of 2.2% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Coffee Holding's net profit margin?
Coffee Holding (JVA) had a net profit margin of 1.5% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Coffee Holding's return on equity (ROE)?
Coffee Holding (JVA) has a return on equity of 5.1% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Coffee Holding's free cash flow?
Coffee Holding (JVA) generated -$5.2M in free cash flow during fiscal year 2025. This represents a -201.7% 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 Coffee Holding's operating cash flow?
Coffee Holding (JVA) generated -$5.0M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Coffee Holding's total assets?
Coffee Holding (JVA) had $42.0M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Coffee Holding's capital expenditures?
Coffee Holding (JVA) invested $192K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
How many shares does Coffee Holding have outstanding?
Coffee Holding (JVA) had 6M shares outstanding as of fiscal year 2025.
What is Coffee Holding's current ratio?
Coffee Holding (JVA) had a current ratio of 2.77 as of fiscal year 2025, which is generally considered healthy.
What is Coffee Holding's debt-to-equity ratio?
Coffee Holding (JVA) had a debt-to-equity ratio of 0.52 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Coffee Holding's return on assets (ROA)?
Coffee Holding (JVA) had a return on assets of 3.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Coffee Holding's cash runway?
Based on fiscal year 2025 data, Coffee Holding (JVA) had $702K in cash against an annual operating cash burn of $5.0M. This gives an estimated cash runway of approximately 2 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Coffee Holding's Altman Z-Score?
Coffee Holding (JVA) has an Altman Z-Score of 4.28, placing it in the Safe Zone (low bankruptcy risk). The Z-Score combines five financial ratios—working capital, retained earnings, EBIT, market capitalization, and revenue relative to total assets—to predict the likelihood of bankruptcy. Scores above 2.99 indicate financial safety while scores below 1.81 suggest financial distress. Learn more in our complete guide to financial health indicators.
What is Coffee Holding's Piotroski F-Score?
Coffee Holding (JVA) has a Piotroski F-Score of 3 out of 9, indicating weak financial health. 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 7–9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Coffee Holding's earnings high quality?
Coffee Holding (JVA) has an earnings quality ratio of -3.58x, considered low quality (accrual-driven). 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.
Can Coffee Holding cover its interest payments?
Coffee Holding (JVA) has an interest coverage ratio of 8.9x, meaning it can comfortably cover its interest obligations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.
How financially healthy is Coffee Holding?
Coffee Holding (JVA) scores 51 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.