Coffee Holding Financials
Coffee Holding (JVA) reported $99.4M in revenue over the twelve months to Apr 30, 2026, up 17.4% from the prior twelve months. This page shows its income statement, balance sheet, cash flow statement, and key financial ratios. View 15 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).
Revenue expansion is being absorbed by working capital, leaving a profitable but increasingly externally financed operating model.
In FY2025, reported net income of$1.4M coexisted with operating cash flow of-$5.0M , showing that accounting profit did not convert into usable cash. With free cash flow at-$5.2M despite only$192K of capital expenditures, the deficit points mainly to cash tied up in the operating cycle rather than heavy reinvestment.
Revenue grew
Inventory and receivables both increased while cash fell to
Financial Health Signals
Scored against operating companies for FY2025. Each of the six dimensions is a percentile rank within that peer group; the overall is their average, with missing dimensions counted as zero out of six. A high score means strong standing among peers, not absolute cross-industry strength. How this score is calculated →
Health score ≠ stock price. This rates the quality of Coffee Holding's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Coffee Holding has an operating margin of 2.2%, meaning the company retains $2 of operating profit per $100 of revenue. This results in a moderate score of 32/100, indicating healthy but not exceptional operating efficiency. 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 80/100.
Coffee Holding has a moderate D/E ratio of 0.52. This balance of debt and equity financing earns a leverage score of 59/100.
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 74/100.
Coffee Holding's operations used $5.0M of cash, and capex of $192K added to the outflow, for a free cash flow shortfall of $5.2M. This results in a cash flow score of 27/100.
Coffee Holding's ROE of 5.1% shows moderate profitability relative to equity, earning a score of 38/100. This is down from 8.5% the prior year.
Coffee Holding scores 4.36, well above the 2.99 safe threshold. This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.
Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.
Coffee Holding passes 2 of 8 computable financial strength tests (1 of the nine could not be computed from available data). 1 of 4 profitability signals pass, 1 of 2 leverage/liquidity signals pass, neither operating efficiency signal passes.
For every $1 of reported earnings, Coffee Holding used $3.58 of operating cash (-$5.0M OCF vs $1.4M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely.
Coffee Holding earns $8.92 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
Earnings & Revenue
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 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.
Cash & Balance Sheet
Coffee Holding recorded an outflow of $5.2M in free cash flow in fiscal year 2025, representing a cash shortfall after capex. This represents a decrease of 201.7% from the prior year.
Coffee Holding held $702K in cash as of fiscal year 2025; long-term debt is not reported for that period.
Not reported for fiscal year 2025.
Margins & Returns
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 3.4 percentage points from the prior year.
Capital Allocation
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.
Not reported for fiscal year 2025.
Not reported for fiscal year 2025.
JVA Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $22.1M-13.5% | $25.6M-7.9% | $27.7M+16.0% | $23.9M+2.5% | $23.3M+9.5% | $21.3M+0.4% | $21.2M+12.8% | $18.8M |
| Cost of Revenue | $18.6M-4.1% | $19.4M-21.3% | $24.7M+17.7% | $21.0M+7.2% | $19.6M+25.8% | $15.6M-4.3% | $16.3M+9.4% | $14.9M |
| Gross Profit | $3.5M-43.1% | $6.1M+101.5% | $3.0M+4.4% | $2.9M-21.9% | $3.7M-34.9% | $5.7M+16.2% | $4.9M+25.6% | $3.9M |
| SG&A Expenses | $2.9M-16.8% | $3.5M+71.3% | $2.1M-46.0% | $3.8M+47.2% | $2.6M-33.9% | $3.9M+27.1% | $3.1M+1.5% | $3.0M |
| Operating Income | $342K-85.6% | $2.4M+209.5% | $768K+170.1% | -$1.1M-223.2% | $889K-44.1% | $1.6M-6.0% | $1.7M+135.2% | $720K |
| Interest Expense | $40K-39.7% | $66K-33.8% | $99K+7.2% | $93K+428.0% | $18K-44.6% | $32K+538.1% | $5K-88.9% | $45K |
| Income Tax | $40K-93.9% | $663K+598.0% | -$133K-856.7% | $18K-92.3% | $227K-44.1% | $406K-22.8% | $526K+102.9% | $259K |
| Net Income | $262K-84.1% | $1.6M+103.1% | $812K+167.3% | -$1.2M-287.2% | $644K-44.2% | $1.2M-8.6% | $1.3M+101.3% | $627K |
| EPS (Diluted) | $0.05-82.8% | $0.29+93.3% | $0.15+171.4% | -$0.21-290.9% | $0.11-45.0% | $0.20-9.1% | $0.22+100.0% | $0.11 |
Not reported in any period shown, so not listed: R&D Expenses.
JVA Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $39.1M-5.0% | $41.2M-2.1% | $42.0M-8.4% | $45.9M+15.5% | $39.7M+2.2% | $38.9M+14.3% | $34.0M+2.9% | $33.1M |
| Current Assets | $32.0M-4.4% | $33.5M-5.5% | $35.4M-6.8% | $38.0M+17.6% | $32.3M+2.7% | $31.5M+10.9% | $28.4M+5.7% | $26.8M |
| Cash & Equivalents | $2.3M-15.4% | $2.7M+291.3% | $702K-28.4% | $980K-46.5% | $1.8M-22.4% | $2.4M+71.0% | $1.4M-55.4% | $3.1M |
| Inventory | $19.5M+2.9% | $19.0M-7.1% | $20.4M-5.7% | $21.7M+26.0% | $17.2M+15.2% | $15.0M-4.8% | $15.7M+8.3% | $14.5M |
| Accounts Receivable | $7.8M-17.7% | $9.5M-21.5% | $12.1M+19.9% | $10.1M-0.6% | $10.1M-14.7% | $11.9M+27.0% | $9.4M+25.7% | $7.4M |
| Total Liabilities | $10.1M-18.7% | $12.4M-14.3% | $14.5M-24.3% | $19.1M+62.6% | $11.8M+1.8% | $11.6M+47.5% | $7.8M-6.5% | $8.4M |
| Current Liabilities | $8.8M-19.2% | $11.0M-14.5% | $12.8M-24.9% | $17.0M+162.6% | $6.5M-28.5% | $9.1M+32.6% | $6.8M-6.8% | $7.3M |
| Total Equity | $29.0M+0.9% | $28.8M+4.3% | $27.6M+3.0% | $26.8M-4.3% | $28.0M+2.4% | $27.3M+4.4% | $26.2M+5.1% | $24.9M |
| Retained Earnings | $14.6M+1.8% | $14.3M+9.0% | $13.1M+6.6% | $12.3M-8.9% | $13.5M+5.0% | $12.9M+9.8% | $11.7M+12.1% | $10.4M |
Not reported in any period shown, so not listed: Goodwill, Long-Term Debt.
JVA Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | $40K-99.4% | $6.6M+1649.6% | $378K+109.8% | -$3.8M-232.8% | -$1.2M-187.2% | -$402K-281.1% | $222K-87.8% | $1.8M |
| Capital Expenditures | -$5K-86.3% | $33K-70.3% | $112K+142.4% | $46K+208.9% | $15K-16.2% | $18K-50.6% | $36K-22.2% | $47K |
| Free Cash Flow | $35K-99.5% | $6.6M+2377.7% | $265K+106.8% | -$3.9M-232.5% | -$1.2M-178.5% | -$420K-326.0% | $186K-89.5% | $1.8M |
| Investing Cash Flow | $5K+100.4% | -$1.2M-155.5% | -$456K-74.2% | -$262K-49.5% | -$175K+78.6% | -$818K-2156.2% | -$36K+22.2% | -$47K |
| Financing Cash Flow | -$468K+86.2% | -$3.4M-1600.0% | -$200K-106.2% | $3.3M+306.3% | $800K-63.6% | $2.2M+215.6% | -$1.9M-72.8% | -$1.1M |
| Dividends Paid | $0-100.0% | $468K | N/A | N/A | N/A | N/A | N/A | N/A |
Not reported in any period shown, so not listed: Share Buybacks.
JVA Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples.
| Metric | Q2'26 | Q1'26 | Q4'25 | Q3'25 | Q2'25 | Q1'25 | Q4'24 | Q3'24 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 15.8%-8.2pp | 24.0%+13.0pp | 11.0%-1.2pp | 12.2%-3.8pp | 16.0%-10.9pp | 26.9%+3.7pp | 23.3%+2.4pp | 20.9% |
| Operating Margin | 1.6%-7.8pp | 9.3%+6.5pp | 2.8%+7.3pp | -4.6%-8.4pp | 3.8%-3.7pp | 7.5%-0.5pp | 8.0%+4.1pp | 3.8% |
| Net Margin | 1.2%-5.3pp | 6.5%+3.5pp | 2.9%+8.0pp | -5.0%-7.8pp | 2.8%-2.7pp | 5.4%-0.5pp | 5.9%+2.6pp | 3.3% |
| Return on Equity | 0.9%-4.8pp | 5.7%+2.8pp | 2.9%+7.4pp | -4.5%-6.8pp | 2.3%-1.9pp | 4.2%-0.6pp | 4.8%+2.3pp | 2.5% |
| Return on Assets | 0.7%-3.3pp | 4.0%+2.1pp | 1.9%+4.6pp | -2.6%-4.3pp | 1.6%-1.4pp | 3.0%-0.7pp | 3.7%+1.8pp | 1.9% |
| Current Ratio | 3.62+0.6x | 3.06+0.3x | 2.77+0.5x | 2.23-2.7x | 4.98+1.5x | 3.47-0.7x | 4.14+0.5x | 3.65 |
| Debt-to-Equity | 0.35-0.1x | 0.43-0.1x | 0.52-0.2x | 0.71+0.3x | 0.420.0x | 0.42+0.1x | 0.300.0x | 0.34 |
| FCF Margin | 0.2%-25.6pp | 25.7%+24.8pp | 1.0%+17.2pp | -16.3%-11.2pp | -5.0%-3.0pp | -2.0%-2.8pp | 0.9%-8.5pp | 9.4% |
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Where Coffee Holding Ranks
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 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) recorded an outflow of $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) recorded an outflow of $5.0M in operating cash flow during fiscal year 2025, representing cash used by 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.
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.
How does Coffee Holding's liquidity compare with its operating cash outflow?
At the end of fiscal year 2025, Coffee Holding (JVA) held $702K in cash, cash equivalents and investments, and reported an operating cash outflow of $5.0M over that year. Dividing the one by the other, the reported balance equals about 2 months of the outflow reported that year. This is arithmetic over figures already filed, not a projection: it assumes nothing about future spending, financing or operations.
What is Coffee Holding's Altman Z-Score?
Coffee Holding (JVA) has an Altman Z-Score of 4.36, 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 2 out of 8 computable signals; 1 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 Coffee Holding's earnings high quality?
For every $1 of reported earnings, Coffee Holding (JVA) used $3.58 of operating cash (-$5.0M OCF vs $1.4M net income). Earnings that no cash stands behind rest on accounting accruals, which cannot be repeated indefinitely. 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 8.92x, 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 52 out of 100 on our Financial Health Score, indicating moderate standing within its operating companies peer group. The score is a 0-100 composite of six dimensions (Profitability, Growth, Leverage, Liquidity, Cash Flow, Returns), each ranked as a percentile relative to companies in the same scoring family (banks against banks, REITs against REITs, and so on) rather than across all industries. It rates the quality of the business, not whether the stock is fairly priced, and is not financial advice. Learn more in our complete guide to financial health indicators.