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Kindcard Inc Financials

KCRD
Source SEC Filings (10-K/10-Q) Data as of Apr 30, 2026 Currency USD FYE January

This page shows Kindcard Inc (KCRD) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 9 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 KCRD FY2026

Kindcard’s economics are dominated by high gross margins overwhelmed by overhead and short-term liabilities, not by product delivery costs.

FY2026 operating cash flow reached $47K even while net loss remained -$210K, a mismatch that usually comes from non-cash charges or working-capital timing rather than from the business truly funding itself. That cash-flow improvement also looks fragile because revenue still declined from FY2025 and liquidity stayed extremely tight, with the current ratio near 0.04x.

Gross margin stayed high at 73.5% in FY2026, but SG&A was still more than double gross profit at $565K. So the core problem is not the direct cost of delivering each sale; it is an overhead structure that the present revenue base cannot absorb.

Balance-sheet strain is structural: FY2026 ended with just $51K of assets against $1.17M of liabilities. Because current liabilities were $1.01M while long-term debt was only $150K, the company appears financed more by near-term obligations and accumulated deficits than by stable long-duration capital.

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Financial Health Signals

Financial health score pending refresh

We are recalculating Kindcard Inc's peer-relative financial health score against the latest fiscal year. It will appear here once the refresh completes. The signals and metrics below are current.

Piotroski F-Score Weak
3/9

Kindcard Inc passes 3 of 9 financial strength tests. 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), 1 of 2 efficiency signals pass.

Earnings Quality Mixed
-0.22x

For every $1 of reported earnings, Kindcard Inc generates $-0.22 in operating cash flow ($47K OCF vs -$210K net income). This mixed ratio suggests some earnings may rely on non-cash accounting items.

Key Financial Metrics

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Earnings & Revenue

Revenue
$366K
YoY-11.0%
5Y CAGR+467.7%

Kindcard Inc generated $366K in revenue in fiscal year 2026. This represents a decrease of 11.0% from the prior year.

EBITDA
N/A
Net Income
-$210K
YoY+16.6%

Kindcard Inc reported -$210K in net income in fiscal year 2026. This represents an increase of 16.6% from the prior year.

EPS (Diluted)
$0.00

Kindcard Inc earned $0.00 per diluted share (EPS) in fiscal year 2026.

Cash & Balance Sheet

Free Cash Flow
N/A
Cash & Debt
$9K
YoY-8.7%
5Y CAGR+126.9%

Kindcard Inc held $9K in cash against $150K in long-term debt as of fiscal year 2026.

Dividends Per Share
N/A
Shares Outstanding
104M
YoY+5.5%
5Y CAGR+6.4%

Kindcard Inc had 104M shares outstanding in fiscal year 2026. This represents an increase of 5.5% from the prior year.

Margins & Returns

Gross Margin
73.5%
YoY-2.8pp
5Y CAGR-26.5pp

Kindcard Inc's gross margin was 73.5% in fiscal year 2026, indicating the percentage of revenue retained after direct costs. This is down 2.8 percentage points from the prior year.

Operating Margin
N/A
Net Margin
-57.5%
YoY+3.8pp
5Y CAGR+51958.6pp

Kindcard Inc's net profit margin was -57.5% in fiscal year 2026, showing the share of revenue converted to profit. This is up 3.8 percentage points from the prior year.

Return on Equity
N/A

Capital Allocation

R&D Spending
N/A
Share Buybacks
N/A
Capital Expenditures
N/A

KCRD Income Statement

Metric Q1'27 Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25
Revenue $74K-18.9% $91K-6.4% $98K+7.5% $91K+6.2% $86K-18.3% $105K-24.9% $139K+70.5% $82K
Cost of Revenue $18K-24.5% $24K-28.4% $34K+79.0% $19K-4.3% $20K-37.6% $32K+25.4% $25K+38.8% $18K
Gross Profit $56K-16.9% $67K+5.3% $64K-11.3% $72K+9.4% $66K-9.9% $73K-36.0% $114K+79.6% $64K
R&D Expenses N/A N/A N/A N/A N/A N/A N/A N/A
SG&A Expenses $116K+6.6% $109K+1.6% $107K-56.4% $245K+134.9% $104K-15.6% $124K+22.1% $101K-20.4% $127K
Operating Income N/A N/A N/A N/A N/A -$72K-847.2% -$8K+91.0% -$84K
Interest Expense N/A N/A N/A N/A N/A N/A N/A N/A
Income Tax N/A N/A N/A N/A N/A -$827 $0 $0
Net Income -$62K-191.8% $68K+251.5% -$45K+74.9% -$178K-224.1% -$55K+22.5% -$71K-836.3% -$8K+91.0% -$84K
EPS (Diluted) $0.00 N/A $0.00 $0.00 $0.00 N/A $0.00 $0.00

KCRD Balance Sheet

Metric Q1'27 Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25
Total Assets $60K+17.0% $51K+9.3% $47K-47.7% $90K+6.8% $84K-2.2% $86K-11.4% $97K-19.7% $121K
Current Assets $53K+27.0% $42K+24.4% $33K-53.2% $72K+18.4% $60K+37.9% $44K+34.3% $33K-4.3% $34K
Cash & Equivalents $9K-0.2% $9K-5.5% $10K+4.4% $9K-7.3% $10K+10.2% $9K-35.4% $14K-5.3% $15K
Inventory N/A N/A N/A N/A N/A N/A N/A N/A
Accounts Receivable $44K+34.7% $33K+60.7% $20K+2.4% $20K-6.6% $21K-39.1% $35K+87.2% $19K-3.5% $19K
Goodwill N/A N/A N/A N/A N/A N/A N/A $110K
Total Liabilities $1.2M+6.1% $1.2M-5.9% $1.2M+0.2% $1.2M+4.7% $1.2M+4.7% $1.1M+5.6% $1.1M-1.5% $1.1M
Current Liabilities $1.1M+6.9% $1.0M-6.7% $1.1M+0.1% $1.1M+5.4% $1.0M+5.6% $973K+6.4% $915K-1.6% $930K
Long-Term Debt $150K0.0% $150K0.0% $150K0.0% $150K0.0% $150K0.0% $150K0.0% $150K0.0% $150K
Total Equity -$1.2M-5.6% -$1.1M+6.5% -$1.2M-3.9% -$1.2M-4.5% -$1.1M-5.3% -$1.0M-7.3% -$975K-0.8% -$968K
Retained Earnings -$1.7M-3.8% -$1.6M+4.0% -$1.7M-2.7% -$1.7M-12.1% -$1.5M-3.9% -$1.4M-5.3% -$1.4M-0.6% -$1.3M

KCRD Cash Flow Statement

Metric Q1'27 Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25
Operating Cash Flow -$22K-122.7% $95K+286.7% $25K+169.2% -$35K+3.7% -$37K-22.0% -$30K-82.4% -$17K+64.9% -$47K
Capital Expenditures N/A N/A N/A N/A N/A N/A N/A N/A
Free Cash Flow N/A N/A N/A N/A N/A N/A N/A N/A
Investing Cash Flow N/A $0 $0 N/A N/A $0 $0 N/A
Financing Cash Flow $22K+122.6% -$95K-295.5% -$24K-169.4% $35K-8.0% $38K+49.8% $25K+59.9% $16K-76.4% $67K
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

KCRD Financial Ratios

Metric Q1'27 Q4'26 Q3'26 Q2'26 Q1'26 Q4'25 Q3'25 Q2'25
Gross Margin 75.3%+1.8pp 73.5%+8.1pp 65.3%-13.8pp 79.2%+2.3pp 76.9%+7.2pp 69.7%-12.1pp 81.9%+4.1pp 77.7%
Operating Margin N/A N/A N/A N/A N/A -68.6%-63.2pp -5.4%+97.4pp -102.8%
Net Margin -84.2%-158.5pp 74.3%+120.2pp -45.9%+150.3pp -196.3%-132.0pp -64.3%+3.5pp -67.8%-62.4pp -5.4%+97.4pp -102.8%
Return on Equity N/A N/A N/A N/A N/A N/A N/A N/A
Return on Assets -103.8%-236.0pp 132.2%+227.6pp -95.4%+103.1pp -198.5%-133.1pp -65.4%+17.2pp -82.6%-74.8pp -7.8%+61.7pp -69.5%
Current Ratio 0.050.0 0.04+0.0 0.03-0.0 0.070.0 0.06+0.0 0.040.0 0.040.0 0.04
Debt-to-Equity N/A N/A N/A N/A N/A N/A N/A N/A
FCF Margin N/A N/A N/A N/A N/A N/A N/A N/A

Note: Shareholder equity is negative (-$1.2M), which causes debt-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.

Note: The current ratio is below 1.0 (0.05), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

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Frequently Asked Questions

Kindcard Inc (KCRD) reported $366K in total revenue for fiscal year 2026. This represents a -11.0% 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.

Kindcard Inc (KCRD) revenue declined by 11% year-over-year, from $411K to $366K in fiscal year 2026.

No, Kindcard Inc (KCRD) reported a net income of -$210K in fiscal year 2026, with a net profit margin of -57.5%.

Kindcard Inc (KCRD) reported diluted earnings per share of $0.00 for fiscal year 2026. 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.

As of fiscal year 2026, Kindcard Inc (KCRD) had $9K in cash and equivalents against $150K in long-term debt.

Kindcard Inc (KCRD) had a gross margin of 73.5% in fiscal year 2026, indicating the percentage of revenue retained after direct costs of goods sold.

Kindcard Inc (KCRD) had a net profit margin of -57.5% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.

Kindcard Inc (KCRD) generated $47K in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

Kindcard Inc (KCRD) had $60K in total assets as of fiscal year 2026, including both current and long-term assets.

Kindcard Inc (KCRD) had 104M shares outstanding as of fiscal year 2026.

Kindcard Inc (KCRD) had a current ratio of 0.05 as of fiscal year 2026, which is below 1.0, which may suggest potential liquidity concerns.

Kindcard Inc (KCRD) had a return on assets of -349.9% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.

Kindcard Inc (KCRD) has negative shareholder equity of -$1.2M as of fiscal year 2026, so no debt-to-equity ratio is reported: dividing debt by equity that is not positive produces a number that cannot be read as leverage. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.

Kindcard Inc (KCRD) 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 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.

Kindcard Inc (KCRD) has an earnings quality ratio of -0.22x, considered mixed quality. 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.

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