Rubico Inc Financials
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).
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). 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 100/100, 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 30/100.
Rubico Inc carries a low D/E ratio of 1.70, meaning only $1.70 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 67/100, indicating a strong balance sheet with room for future borrowing.
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.
Rubico Inc's ROE of 5.8% shows moderate profitability relative to equity, earning a score of 37/100. 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.
Rubico Inc passes 5 of 9 financial strength tests. 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 $1.5 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
Earnings & Revenue
Rubico Inc generated $23.5M in revenue in fiscal year 2025. This represents a decrease of 2.8% from the prior year.
Rubico Inc reported $2.6M in net income in fiscal year 2025. This represents a decrease of 55.5% from the prior year.
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
Rubico Inc held $4.0M in cash against $77.9M in long-term debt as of fiscal year 2025.
Rubico Inc had 385,501 shares outstanding in fiscal year 2025.
Margins & Returns
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.
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.
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
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
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 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 9, indicating neutral 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 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 1.5x, 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.
How financially healthy is Rubico Inc?
Rubico Inc (RUBI) scores 41 out of 100 on our Financial Profile, indicating moderate overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.