KINDCARD INC (KCRD) Financials
Newest figures come from the 10-Q for Q1 FY2027, filed Jun 17, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the KCRD SEC filings page.
KINDCARD INC (KCRD) reported $354K in revenue over the twelve months to Apr 30, 2026, down 13.9% from the prior twelve months. This page shows its 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).
Persistent operating losses sit atop an obligation-heavy balance sheet, making the business mechanic more about financing strain than scale.
In FY2026, operating cash flow turned positive at$47.1K even while net loss remained-$210.4K , suggesting noncash or working-capital effects rather than an earnings turnaround. That reversal follows operating cash flow of-$122.4K in FY2025, while liabilities continued rising relative to the asset base, linking cash-flow volatility with fragile financing.
Across the latest two years, gross margin compressed from
At FY2026 year-end, liabilities of
Financial Health Signals
KINDCARD 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.
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.
KINDCARD INC reported a net loss of $210K while generating $47K in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, the ratio between the two carries no quality signal.
Key Financial Metrics
Earnings & Revenue
KINDCARD INC generated $74K in revenue in Q1 2027. This represents a decrease of 13.3% from the same quarter a year earlier. Against the prior quarter it is down 18.9%.
KINDCARD INC reported -$62K in net income in Q1 2027. This represents a decrease of 13.4% from the same quarter a year earlier. Against the prior quarter it is down 191.8%.
Not reported for Q1 2027.
Cash & Balance Sheet
KINDCARD INC held $9K in cash against $150K in long-term debt as of Q1 2027.
Not reported for Q1 2027.
Not reported for Q1 2027.
Margins & Returns
KINDCARD INC's gross margin was 75.3% in Q1 2027, indicating the percentage of revenue retained after direct costs. This is down 1.6 percentage points from the same quarter a year earlier. Against the prior quarter it is up 1.8 percentage points.
KINDCARD INC's net profit margin was -84.2% in Q1 2027, showing the share of revenue converted to profit. This is down 19.8 percentage points from the same quarter a year earlier. Against the prior quarter it is down 158.5 percentage points.
Not reported for Q1 2027.
Not reported for Q1 2027.
Capital Allocation
None of these metrics is reported for Q1 2027.
KCRD 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.
| Metric | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | $74K-13.3% | $91K-12.6% | $98K-29.9% | $91K+11.2% | $86K+0.6% | $105K-0.7% | $139K+11.1% | $82K-35.2% |
| Cost of Revenue | $18K-7.4% | $24K-23.4% | $34K+34.1% | $19K+4.0% | $20K-10.7% | $32K+8.3% | $25K-16.2% | $18K+6.7% |
| Gross Profit | $56K-15.1% | $67K-8.0% | $64K-44.1% | $72K+13.3% | $66K+4.6% | $73K-4.2% | $114K+19.8% | $64K-41.7% |
| SG&A Expenses | $116K+10.8% | $109K-12.2% | $107K+5.5% | $245K+92.7% | $104K-21.7% | $124K-44.3% | $101K-18.8% | $127K+3.9% |
| Operating Income | N/A | N/A | N/A | N/A | N/A | -$72K+55.7% | -$8K+84.4% | -$84K-154.7% |
| EBITDA | N/A | N/A | N/A | N/A | N/A | -$52K+65.1% | $13K+143.3% | -$64K-372.1% |
| Income Tax | N/A | N/A | N/A | N/A | N/A | -$827+55.7% | $0 | $0 |
| Net Income | -$62K-13.4% | $68K+195.7% | -$45K-491.5% | -$178K-112.3% | -$55K+38.5% | -$71K+55.7% | -$8K+84.4% | -$84K-154.7% |
| EPS (Diluted) | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Diluted Shares (Avg) | 104M+5.5% | N/A | 102M+3.9% | 101M+2.5% | 98M0.0% | N/A | 98M | 98M |
Not reported in any period shown, so not listed: R&D Expenses, Interest Expense, EPS (Basic).
KCRD Balance Sheet
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.
| Metric | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $60K-28.5% | $51K-40.2% | $47K-51.6% | $90K-25.6% | $84K-34.5% | $86K-47.1% | $97K-45.9% | $121K-52.8% |
| Current Assets | $53K-12.3% | $42K-4.9% | $33K+2.7% | $72K+109.9% | $60K+73.9% | $44K-8.2% | $33K-24.4% | $34K-70.2% |
| Cash & Equivalents | $9K-8.7% | $9K+0.8% | $10K-31.1% | $9K-37.5% | $10K-3.3% | $9K-5.8% | $14K+8.0% | $15K-1.1% |
| Short-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Accounts Receivable | $44K+107.1% | $33K-6.3% | $20K+9.1% | $20K+2.8% | $21K+5.8% | $35K+68.9% | $19K-12.1% | $19K-74.7% |
| Long-Term Investments | $0 | $0 | $0 | $0 | $0 | $0 | $0 | $0 |
| Goodwill | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $110K0.0% |
| Total Liabilities | $1.2M+4.6% | $1.2M+3.3% | $1.2M+15.9% | $1.2M+14.0% | $1.2M+17.1% | $1.1M+18.4% | $1.1M+17.8% | $1.1M+16.0% |
| Current Liabilities | $1.1M+5.2% | $1.0M+3.9% | $1.1M+18.5% | $1.1M+16.4% | $1.0M+19.9% | $973K+21.0% | $915K+20.8% | $930K+18.5% |
| Non-Current Liabilities | $161K+1.3% | $159K-0.4% | $159K+0.9% | $158K-0.1% | $159K+1.9% | $159K+4.6% | $158K+3.0% | $159K+3.1% |
| Long-Term Debt | $150K0.0% | $150K0.0% | $150K0.0% | $150K0.0% | $150K0.0% | $150K0.0% | $150K0.0% | $150K0.0% |
| Total Equity | -$1.2M-7.2% | -$1.1M-6.9% | -$1.2M-22.6% | -$1.2M-18.9% | -$1.1M-24.6% | -$1.0M-31.8% | -$975K-33.4% | -$968K-41.8% |
| Retained Earnings | -$1.7M-14.7% | -$1.6M-14.8% | -$1.7M-25.9% | -$1.7M-23.2% | -$1.5M-17.3% | -$1.4M-21.6% | -$1.4M-33.9% | -$1.3M-39.9% |
Not reported in any period shown, so not listed: Inventory.
KCRD Cash Flow 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.
| Metric | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$22K+41.4% | $95K+414.3% | $25K+248.3% | -$35K+24.7% | -$37K-28.6% | -$30K+20.2% | -$17K-145.3% | -$47K-47.1% |
| Depreciation & Amortization | $3K-84.6% | $3K-87.5% | $2K-91.0% | $5K-74.2% | $16K-13.8% | $20K+19.2% | $20K+6.1% | $20K+4.4% |
| Investing Cash Flow | N/A | $0 | $0 | N/A | N/A | $0 | $0+100.0% | N/A |
| Financing Cash Flow | $22K-42.9% | -$95K-478.6% | -$24K-253.1% | $35K-48.0% | $38K+28.7% | $25K-34.9% | $16K+157.2% | $67K+85.1% |
Not reported in any period shown, so not listed: Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.
KCRD 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.
| Metric | Q1'2710-Q | Q4'2610-Q | Q3'2610-Q | Q2'2610-Q | Q1'2610-Q | Q4'2510-K | Q3'2510-Q | Q2'2510-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 75.3%-1.6pp | 73.5%+3.7pp | 65.3%-16.5pp | 79.2%+1.4pp | 76.9%+2.9pp | 69.7%-2.5pp | 81.9%+5.9pp | 77.7%-8.7pp |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | -68.6% | -5.4%+33.4pp | -102.8% |
| Net Margin | -84.2%-19.8pp | 74.3%+142.2pp | -45.9%-40.5pp | -196.3% | -64.3% | -67.8% | -5.4%+33.4pp | -102.8% |
| Return on Assets | -103.8%-38.3pp | 132.2%+214.8pp | -95.4%-87.6pp | -198.5%-129.0pp | -65.4%+4.2pp | -82.6%+16.1pp | -7.8%+19.3pp | -69.5%-56.7pp |
| Current Ratio | 0.050.0x | 0.040.0x | 0.030.0x | 0.070.0x | 0.060.0x | 0.040.0x | 0.040.0x | 0.04-0.1x |
| Asset Turnover | 1.23+0.2x | 1.78+0.6x | 2.08+0.6x | 1.01+0.3x | 1.02+0.4x | 1.22+0.6x | 1.44+0.7x | 0.68+0.2x |
Not reported in any period shown, so not listed: Return on Equity, Debt-to-Equity, FCF Margin.
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: Operating Margin, Net Margin.
Note: Shareholder equity is negative (-$1.1M), 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 (0.04), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
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 |
|---|---|---|---|---|---|---|
| KINDCARD INC KCRD | FY2026 | $366K | -$210K | -57.5% | $3.5M | — |
| INNOVATIVE PYMNT SOLUTION IPSI | FY2025 | N/A | -$4.4M | N/A | $1.2M | — |
Where KINDCARD INC Ranks
Frequently Asked Questions
What is KINDCARD INC's annual revenue?
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.
How fast is KINDCARD INC's revenue growing?
KINDCARD INC (KCRD) revenue declined by 11.0% year-over-year, from $411K to $366K in fiscal year 2026.
Is KINDCARD INC profitable?
No, KINDCARD INC (KCRD) reported a net income of -$210K in fiscal year 2026, with a net profit margin of -57.5%.
How much debt does KINDCARD INC have?
As of fiscal year 2026, KINDCARD INC (KCRD) had $9K in cash and equivalents against $150K in long-term debt.
What is KINDCARD INC's gross margin?
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.
What is KINDCARD INC's net profit margin?
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.
What is KINDCARD INC's operating cash flow?
KINDCARD INC (KCRD) generated $47K in operating cash flow during fiscal year 2026, representing cash generated from core business activities.
What are KINDCARD INC's total assets?
KINDCARD INC (KCRD) had $51K in total assets as of fiscal year 2026, including both current and long-term assets.
What is KINDCARD INC's current ratio?
KINDCARD INC (KCRD) had a current ratio of 0.04 as of fiscal year 2026, which is below 1.0, which may suggest potential liquidity concerns.
What is KINDCARD INC's return on assets (ROA)?
KINDCARD INC (KCRD) had a return on assets of -409.3% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.
Why is KINDCARD INC's debt-to-equity ratio negative or not reported?
KINDCARD INC (KCRD) has negative shareholder equity of -$1.1M 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.
What is KINDCARD INC's Piotroski F-Score?
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.
Are KINDCARD INC's earnings high quality?
KINDCARD INC (KCRD) reported a net loss of $210K while generating $47K in operating cash flow. Operations generated cash despite the loss, but with no positive earnings behind it, 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.