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Rubico Inc Financials

RUBI
Source SEC Filings (10-K/10-Q) Data as of Dec 31, 2025 Currency USD FYE December

This page shows Rubico Inc (RUBI) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 3 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 RUBI FY2025

Operating profit stayed steady, but rising interest costs absorbed more of it, leaving much thinner net earnings.

Across the last three fiscal years, operating income stayed near $12.4M even as interest expense climbed to $8.3M. That is why net margin fell to 11.2% even while operating cash flow remained $11.3M: the squeeze is coming mainly from financing burden rather than from weaker day-to-day operations.

The balance sheet is doing two jobs at once: liquidity remains tight because current assets of $7.0M still trail current liabilities of $10.0M. Yet leverage eased to 1.7x from 2.1x as equity grew faster than debt, so short-term flexibility and longer-term capitalization are moving in different directions at the same time.

Cash conversion looks better than reported profit, with operating cash flow at $11.3M versus net income of $2.6M, which means accrual earnings are understating current cash generation. But investing outflow of $19.9M exceeded that internally generated cash, and the matching financing inflow of $11.3M indicates recent asset expansion was not paid for by operations alone.

Generated by Rhea from SEC filings [ NOT FINANCIAL ADVICE ]

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 41 / 100
Financial Health Score 41/100

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 Rubico Inc'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.

Profitability
99

Rubico Inc has an operating margin of 52.7%, meaning the company retains $53 of operating profit per $100 of revenue. This strong profitability earns a score of 99/100, reflecting efficient cost management and pricing power. This is up from 51.3% the prior year.

Growth
25

Rubico Inc's revenue declined 2.8% year-over-year, from $24.2M to $23.5M. This contraction results in a growth score of 25/100.

Leverage
34

Rubico Inc has a moderate D/E ratio of 1.70. This balance of debt and equity financing earns a leverage score of 34/100.

Liquidity
9

Rubico Inc's current ratio of 0.70 is below the typical benchmark, resulting in a score of 9/100. This tight liquidity could limit financial flexibility if cash inflows slow.

Returns
78

Rubico Inc earns a strong 5.8% return on equity (ROE), meaning it generates $6 of profit for every $100 of shareholders' equity. This efficient capital use earns a returns score of 78/100. This is down from 17.4% the prior year.

Altman Z-Score Distress
0.80

Rubico Inc scores 0.80, below the 1.81 distress threshold. This indicates elevated financial distress risk and warrants close attention to liquidity and debt levels.

Distress-screening estimate for non-financial companies. Not computed for banks or insurers, where the Altman model does not apply.

Piotroski F-Score Partial
5/7

Rubico Inc passes 5 of 7 computable financial strength tests (2 of the nine could not be computed from available data). 3 of 4 profitability signals pass, all 2 leverage/liquidity signals pass, neither operating efficiency signal passes.

Earnings Quality Cash-Backed
4.28x

For every $1 of reported earnings, Rubico Inc generates $4.28 in operating cash flow ($11.3M OCF vs $2.6M net income). This indicates profits are well-supported by actual cash generation, not accounting adjustments.

Interest Coverage At Risk
1.5x

Rubico Inc earns $1.5 in operating income for every $1 of interest expense ($12.4M vs $8.3M). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

Export CSV

Earnings & Revenue

Revenue
$23.5M
YoY-2.8%

Rubico Inc generated $23.5M in revenue in fiscal year 2025. This represents a decrease of 2.8% from the prior year.

EBITDA
N/A
Net Income
$2.6M
YoY-55.5%

Rubico Inc reported $2.6M in net income in fiscal year 2025. This represents a decrease of 55.5% from the prior year.

EPS (Diluted)
$49.07
YoY-89.2%

Rubico Inc earned $49.07 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 89.2% from the prior year.

Cash & Balance Sheet

Free Cash Flow
N/A
Cash & Debt
$4.0M
YoY+241.4%

Rubico Inc held $4.0M in cash against $77.9M in long-term debt as of fiscal year 2025.

Dividends Per Share
N/A
Shares Outstanding
385,501

Rubico Inc had 385,501 shares outstanding in fiscal year 2025.

Margins & Returns

Gross Margin
N/A
Operating Margin
52.7%
YoY+1.4pp

Rubico Inc's operating margin was 52.7% in fiscal year 2025, reflecting core business profitability. This is up 1.4 percentage points from the prior year.

Net Margin
11.2%
YoY-13.3pp

Rubico Inc's net profit margin was 11.2% in fiscal year 2025, showing the share of revenue converted to profit. This is down 13.3 percentage points from the prior year.

Return on Equity
5.8%
YoY-11.6pp

Rubico Inc's ROE was 5.8% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 11.6 percentage points from the prior year.

Capital Allocation

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

RUBI Income Statement

Metric Q4'25 Q4'24
Revenue N/A N/A
Cost of Revenue N/A N/A
Gross Profit N/A N/A
R&D Expenses N/A N/A
SG&A Expenses N/A N/A
Operating Income N/A N/A
Interest Expense N/A N/A
Income Tax N/A N/A
Net Income N/A N/A
EPS (Diluted) N/A N/A

RUBI Balance Sheet

Metric Q4'25 Q4'24
Total Assets $134.1M+18.2% $113.4M
Current Assets $7.0M+244.8% $2.0M
Cash & Equivalents $4.0M+241.4% $1.2M
Inventory $194K+10.2% $176K
Accounts Receivable $1.0M+347.2% $229K
Goodwill N/A N/A
Total Liabilities $88.3M+11.3% $79.3M
Current Liabilities $10.0M+31.4% $7.6M
Long-Term Debt $77.9M+8.9% $71.6M
Total Equity $45.8M+34.2% $34.1M
Retained Earnings $31.8M+2.3% $31.0M

RUBI Cash Flow Statement

Metric Q4'25 Q4'24
Operating Cash Flow N/A N/A
Capital Expenditures N/A N/A
Free Cash Flow N/A N/A
Investing Cash Flow N/A N/A
Financing Cash Flow N/A N/A
Dividends Paid N/A N/A
Share Buybacks N/A N/A

RUBI Financial Ratios

Metric Q4'25 Q4'24
Gross Margin N/A N/A
Operating Margin N/A N/A
Net Margin N/A N/A
Return on Equity N/A N/A
Return on Assets N/A N/A
Current Ratio 0.70+0.4 0.27
Debt-to-Equity 1.70-0.4 2.10
FCF Margin N/A N/A

Note: The current ratio is below 1.0 (0.70), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.

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Frequently Asked Questions

Rubico Inc (RUBI) reported $23.5M in total revenue for fiscal year 2025. This represents a -2.8% 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.

Rubico Inc (RUBI) revenue declined by 2.8% year-over-year, from $24.2M to $23.5M in fiscal year 2025.

Yes, Rubico Inc (RUBI) reported a net income of $2.6M in fiscal year 2025, with a net profit margin of 11.2%.

Rubico Inc (RUBI) reported diluted earnings per share of $49.07 for fiscal year 2025. This represents a -89.2% 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.

As of fiscal year 2025, Rubico Inc (RUBI) had $4.0M in cash and equivalents against $77.9M in long-term debt.

Rubico Inc (RUBI) had an operating margin of 52.7% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.

Rubico Inc (RUBI) had a net profit margin of 11.2% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.

Rubico Inc (RUBI) has a return on equity of 5.8% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.

Rubico Inc (RUBI) generated $11.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.

Rubico Inc (RUBI) had $134.1M in total assets as of fiscal year 2025, including both current and long-term assets.

Rubico Inc (RUBI) had 385,501 shares outstanding as of fiscal year 2025.

Rubico Inc (RUBI) had a current ratio of 0.70 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.

Rubico Inc (RUBI) had a debt-to-equity ratio of 1.70 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.

Rubico Inc (RUBI) had a return on assets of 2.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.

Rubico Inc (RUBI) has an Altman Z-Score of 0.80, placing it in the Distress Zone (elevated 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.

Rubico Inc (RUBI) has a Piotroski F-Score of 5 out of 7 computable signals; 2 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.

Rubico Inc (RUBI) has an earnings quality ratio of 4.28x, considered cash-backed (high 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.

Rubico Inc (RUBI) has an interest coverage ratio of 1.5x, meaning it can struggle to 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.

Rubico Inc (RUBI) scores 41 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.

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