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SMJ International Holdings Inc. Financials

SMJF
Source SEC Filings (10-K/10-Q) Data as of Mar 31, 2026 Currency USD FYE March

This page shows SMJ International Holdings Inc. (SMJF) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. All figures are derived from SEC filings (10-K and 10-Q reports).

Rhea AI SMJF FY2026

SMJF shows a working-capital-heavy operating model where external financing currently bridges cash needs better than the business itself.

The key gap is cash conversion: a net loss of -$718K became operating cash outflow of -$2.64M. With only $1.0M of cash but $4.74M tied up in inventory and receivables, the reported liquidity cushion looks much less spendable than the balance sheet first suggests.

At the gross-profit line, the business keeps 34.6% of sales, but SG&A of $4.39M absorbs almost all of that benefit. Because gross profit sits only modestly above overhead, the operating loss looks more like a scale problem than evidence that each sale is structurally unprofitable.

FY2026 cash use reflected a funding posture: investing outflow reached -$6.12M while capex was only $50K. Financing brought in $9.15M, so the year was not self-funded even though liabilities of $8.59M remained below equity.

Generated by Rhea from SEC filings [ NOT FINANCIAL ADVICE ]

Financial Health Signals

Profitability Growth Leverage Liquidity Cash Flow Returns 35 / 100
Financial Health Score 35/100

Scored against operating companies for FY2026. 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 SMJ International Holdings 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
23

SMJ International Holdings Inc. has an operating margin of -5.5%, meaning the company retains $-6 of operating profit per $100 of revenue. This below-average margin results in a low score of 23/100, suggesting thin profitability after operating expenses.

Leverage
56

SMJ International Holdings Inc. has a moderate D/E ratio of 0.59. This balance of debt and equity financing earns a leverage score of 56/100.

Liquidity
89

With a current ratio of 4.64, SMJ International Holdings Inc. holds $4.64 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 89/100.

Cash Flow
12

While SMJ International Holdings Inc. generated -$2.6M in operating cash flow, capex of $50K consumed most of it, leaving -$2.7M in free cash flow. This results in a low score of 12/100, reflecting heavy capital investment rather than weak cash generation.

Returns
28

SMJ International Holdings Inc. generates a -4.9% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 28/100.

Altman Z-Score Safe
12.05

SMJ International Holdings Inc. scores 12.05, well above the 2.99 safe threshold. The score is driven primarily by a large market capitalization ($154.6M) relative to total liabilities ($8.6M). This indicates low bankruptcy risk based on profitability, leverage, and asset efficiency.

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

Earnings Quality Low Quality
3.68x

For every $1 of reported earnings, SMJ International Holdings Inc. generates $3.68 in operating cash flow (-$2.6M OCF vs -$718K net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.

Interest Coverage At Risk
-6.3x

SMJ International Holdings Inc. earns $-6.3 in operating income for every $1 of interest expense (-$748K vs $119K). This narrow margin raises concern about the company's ability to service its debt if operating income declines.

Key Financial Metrics

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Earnings & Revenue

Revenue
$13.5M

SMJ International Holdings Inc. generated $13.5M in revenue in fiscal year 2026.

EBITDA
-$681K

SMJ International Holdings Inc.'s EBITDA was -$681K in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.

Net Income
-$718K

SMJ International Holdings Inc. reported -$718K in net income in fiscal year 2026.

EPS (Diluted)
$-0.03

SMJ International Holdings Inc. earned $-0.03 per diluted share (EPS) in fiscal year 2026.

Cash & Balance Sheet

Free Cash Flow
-$2.7M

SMJ International Holdings Inc. generated -$2.7M in free cash flow in fiscal year 2026, representing cash available after capex.

Cash & Debt
$1.0M

SMJ International Holdings Inc. held $1.0M in cash against $0 in long-term debt as of fiscal year 2026.

Dividends Per Share
N/A
Shares Outstanding
N/A

Margins & Returns

Gross Margin
34.6%

SMJ International Holdings Inc.'s gross margin was 34.6% in fiscal year 2026, indicating the percentage of revenue retained after direct costs.

Operating Margin
-5.5%

SMJ International Holdings Inc.'s operating margin was -5.5% in fiscal year 2026, reflecting core business profitability.

Net Margin
-5.3%

SMJ International Holdings Inc.'s net profit margin was -5.3% in fiscal year 2026, showing the share of revenue converted to profit.

Return on Equity
-4.9%

SMJ International Holdings Inc.'s ROE was -4.9% in fiscal year 2026, measuring profit generated per dollar of shareholder equity.

Capital Allocation

R&D Spending
N/A
Share Buybacks
N/A
Capital Expenditures
$50K

SMJ International Holdings Inc. invested $50K in capex in fiscal year 2026, funding long-term assets and infrastructure.

SMJF Income Statement

Metric Q4'26
Revenue N/A
Cost of Revenue N/A
Gross Profit N/A
R&D Expenses N/A
SG&A Expenses N/A
Operating Income N/A
Interest Expense N/A
Income Tax N/A
Net Income N/A
EPS (Diluted) N/A

SMJF Balance Sheet

Metric Q4'26
Total Assets $23.3M
Current Assets $15.4M
Cash & Equivalents $1.0M
Inventory $3.2M
Accounts Receivable $1.6M
Goodwill N/A
Total Liabilities $8.6M
Current Liabilities $3.3M
Long-Term Debt N/A
Total Equity $14.7M
Retained Earnings $2.5M

SMJF Cash Flow Statement

Metric Q4'26
Operating Cash Flow N/A
Capital Expenditures N/A
Free Cash Flow N/A
Investing Cash Flow N/A
Financing Cash Flow N/A
Dividends Paid N/A
Share Buybacks N/A

SMJF Financial Ratios

Metric Q4'26
Gross Margin N/A
Operating Margin N/A
Net Margin N/A
Return on Equity N/A
Return on Assets N/A
Current Ratio 4.64
Debt-to-Equity 0.59
FCF Margin N/A

Frequently Asked Questions

SMJ International Holdings Inc. (SMJF) reported $13.5M in total revenue for fiscal year 2026. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.

No, SMJ International Holdings Inc. (SMJF) reported a net income of -$718K in fiscal year 2026, with a net profit margin of -5.3%.

SMJ International Holdings Inc. (SMJF) reported diluted earnings per share of $-0.03 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.

SMJ International Holdings Inc. (SMJF) had EBITDA of -$681K in fiscal year 2026, measuring earnings before interest, taxes, depreciation, and amortization.

SMJ International Holdings Inc. (SMJF) had a gross margin of 34.6% in fiscal year 2026, indicating the percentage of revenue retained after direct costs of goods sold.

SMJ International Holdings Inc. (SMJF) had an operating margin of -5.5% in fiscal year 2026, reflecting the profitability of core business operations before interest and taxes.

SMJ International Holdings Inc. (SMJF) had a net profit margin of -5.3% in fiscal year 2026, representing the share of revenue converted into profit after all expenses.

SMJ International Holdings Inc. (SMJF) has a return on equity of -4.9% for fiscal year 2026, measuring how efficiently the company generates profit from shareholder equity.

SMJ International Holdings Inc. (SMJF) generated -$2.7M in free cash flow during fiscal year 2026. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.

SMJ International Holdings Inc. (SMJF) generated -$2.6M in operating cash flow during fiscal year 2026, representing cash generated from core business activities.

SMJ International Holdings Inc. (SMJF) had $23.3M in total assets as of fiscal year 2026, including both current and long-term assets.

SMJ International Holdings Inc. (SMJF) invested $50K in capital expenditures during fiscal year 2026, funding long-term assets and infrastructure.

SMJ International Holdings Inc. (SMJF) had a current ratio of 4.64 as of fiscal year 2026, which is generally considered healthy.

SMJ International Holdings Inc. (SMJF) had a debt-to-equity ratio of 0.59 as of fiscal year 2026, measuring the company's financial leverage by comparing total debt to shareholder equity.

SMJ International Holdings Inc. (SMJF) had a return on assets of -3.1% for fiscal year 2026, measuring how efficiently the company uses its assets to generate profit.

Based on fiscal year 2026 data, SMJ International Holdings Inc. (SMJF) had $1.0M in cash against an annual operating cash burn of $2.6M. This gives an estimated cash runway of approximately 5 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.

SMJ International Holdings Inc. (SMJF) has an Altman Z-Score of 12.05, placing it in the Safe Zone (low 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.

SMJ International Holdings Inc. (SMJF) has an earnings quality ratio of 3.68x, considered low quality (accrual-driven). 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.

SMJ International Holdings Inc. (SMJF) has an interest coverage ratio of -6.3x, 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.

SMJ International Holdings Inc. (SMJF) scores 35 out of 100 on our Financial Health Score, indicating weak 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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