Rubico Inc (RUBI) Financials
A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 11, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 20-F for FY2025, filed Mar 23, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the RUBI SEC filings page.
Rubico Inc (RUBI) reported $23.5M in revenue for fiscal year 2025, down 2.8% from the prior fiscal year. This page shows its 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).
Stable operating earnings are increasingly diverted to interest while a leveraged balance sheet remains short-term tight
From FY2023 to FY2025, revenue slipped from$24.5M to$23.5M while operating income stayed broadly level; the business protected operating earnings despite a smaller top line. Operating margin widened from50.8% to52.7% while SG&A declined; this supports cost discipline as the margin mechanic, rather than a pricing claim.
Operating cash flow reached
Leverage eased from 2.1x to 1.7x, partly reflecting a larger equity base rather than debt reduction; balance-sheet leverage remains material. The current ratio improved from 0.3x to 0.7x but still failed to provide full coverage of current liabilities, indicating short-term funding tightness.
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 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.
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.
Rubico Inc's revenue declined 2.8% year-over-year, from $24.2M to $23.5M. This contraction results in a growth score of 24/100.
Rubico Inc has a moderate D/E ratio of 1.70. This balance of debt and equity financing earns a leverage score of 35/100.
Rubico Inc's current ratio of 0.70 is below the typical benchmark, resulting in a score of 8/100. This tight liquidity could limit financial flexibility if cash inflows slow.
Not available for Rubico Inc, and counted as zero in the overall score.
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 77/100. This is down from 17.4% the prior year.
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.
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.
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.
Rubico Inc earns $1.50 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
Earnings & Revenue
None of these metrics is reported for Q4 2025.
Cash & Balance Sheet
Rubico Inc held $4.0M in cash against $77.9M in long-term debt as of Q4 2025.
Not reported for Q4 2025.
Not reported for Q4 2025.
Margins & Returns
None of these metrics is reported for Q4 2025.
Capital Allocation
None of these metrics is reported for Q4 2025.
RUBI 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.
Not reported in any period shown, so not listed: Revenue, Cost of Revenue, Gross Profit, R&D Expenses, SG&A Expenses, Operating Income, EBITDA, Interest Expense, Income Tax, Net Income, EPS (Basic), EPS (Diluted), Diluted Shares (Avg).
RUBI 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 | Q4'2520-F | Q4'2420-F |
|---|---|---|
| Total Assets | $134.1M+18.2% | $113.4M |
| Current Assets | $7.0M+244.8% | $2.0M |
| Cash & Equivalents | $4.0M+241.4% | $1.2M |
| Short-Term Investments | $0 | $0 |
| Inventory | $194K+10.2% | $176K |
| Accounts Receivable | $1.0M+347.2% | $229K |
| Long-Term Investments | $0 | $0 |
| Total Liabilities | $88.3M+11.3% | $79.3M |
| Current Liabilities | $10.0M+31.4% | $7.6M |
| Non-Current Liabilities | $78.3M+9.2% | $71.7M |
| 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 |
Not reported in any period shown, so not listed: Goodwill.
RUBI 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.
Not reported in any period shown, so not listed: Operating Cash Flow, Depreciation & Amortization, Stock-Based Compensation, Capital Expenditures, Free Cash Flow, Investing Cash Flow, Financing Cash Flow, Dividends Paid, Share Buybacks.
RUBI 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.
Not reported in any period shown, so not listed: Gross Margin, Operating Margin, Net Margin, Return on Equity, Return on Assets, Asset Turnover, FCF Margin.
Note: The current ratio is below 1.0 (0.70), 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 |
|---|---|---|---|---|---|---|
| Rubico Inc RUBI | FY2025 | $23.5M | $2.6M | 11.2% | $2.7M | 41/100 |
| Icon Energy Corp. ICON | FY2025 | $1.7M | -$4.2M | N/A | $3.3M | 46/100 |
| United Maritime Corporation USEA | FY2025 | $37.8M | -$6.2M | -16.4% | $28.3M | 27/100 |
| Castor Maritime Inc CTRM | FY2025 | $81.8M | $19.3M | 23.5% | $23.3M | 42/100 |
| Euroholdings Ltd EHLD | FY2025 | $13.2M | $14.8M | N/A | $44.2M | 46/100 |
Where Rubico Inc Ranks
Frequently Asked Questions
What is Rubico Inc's annual revenue?
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.
How fast is Rubico Inc's revenue growing?
Rubico Inc (RUBI) revenue declined by 2.8% year-over-year, from $24.2M to $23.5M in fiscal year 2025.
Is Rubico Inc profitable?
Yes, Rubico Inc (RUBI) reported a net income of $2.6M in fiscal year 2025, with a net profit margin of 11.2%.
How much debt does Rubico Inc have?
As of fiscal year 2025, Rubico Inc (RUBI) had $4.0M in cash and equivalents against $77.9M in long-term debt.
What is Rubico Inc's operating margin?
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.
What is Rubico Inc's net profit margin?
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.
What is Rubico Inc's return on equity (ROE)?
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.
What is Rubico Inc's operating cash flow?
Rubico Inc (RUBI) generated $11.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Rubico Inc's total assets?
Rubico Inc (RUBI) had $134.1M in total assets as of fiscal year 2025, including both current and long-term assets.
What is Rubico Inc's current ratio?
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.
What is Rubico Inc's debt-to-equity ratio?
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.
What is Rubico Inc's return on assets (ROA)?
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.
What is Rubico Inc's P/E ratio?
Rubico Inc (RUBI) trades at 1.0x earnings, its market capitalization divided by net income of $2.6M net income, FY2025. The market capitalization is $2.7M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Rubico Inc's price-to-sales ratio?
Rubico Inc (RUBI) trades at 0.1x sales, its market capitalization divided by revenue of $23.5M revenue, FY2025. The market capitalization is $2.7M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is Rubico Inc's Altman Z-Score?
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.
What is Rubico Inc's Piotroski F-Score?
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.
Are Rubico Inc's earnings high quality?
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.
Can Rubico Inc cover its interest payments?
Rubico Inc (RUBI) has an interest coverage ratio of 1.50x, 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.
How financially healthy is Rubico Inc?
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.