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Educational Development (NASDAQ: EDUC) posts Q1 loss as sales and Usborne risk weigh

Filing Impact
(Moderate)
Filing Sentiment
(Neutral)
Form Type
10-Q

Rhea-AI Filing Summary

Educational Development Corporation reported a weaker quarter with lower sales but positive operating cash flow. For the three months ended May 31, 2026, net revenues were $4.76 million, down from $7.11 million a year earlier, and the company recorded a net loss of $1.40 million versus a $1.08 million loss.

The PaperPie division generated $4.17 million of net revenues and $0.38 million of operating income, while Publishing delivered $0.58 million of net revenues and $0.09 million of operating income. Both segments saw meaningful revenue declines, driven by fewer active Brand Partners and fewer new titles.

Despite the loss, operating activities provided $0.56 million of cash, helped by a $1.42 million reduction in inventories. Total cash, cash equivalents and restricted cash were $1.81 million. The company entered a new $2.0 million secured revolving credit facility in March 2026.

A key risk is concentration with Usborne Publishing. The company did not meet minimum purchase and letter-of-credit requirements, giving Usborne the right to terminate the distribution agreement, and it holds $19.57 million of Usborne inventory. Management also maintains a full valuation allowance against deferred tax assets due to recent cumulative losses.

Positive

  • None.

Negative

  • Net revenues declined sharply with continued losses. Quarterly net revenues fell to $4.76 million from $7.11 million year over year, and the company reported a $1.40 million net loss, extending its pattern of recent losses.
  • Heightened risk around key Usborne relationship and heavy inventory. The company failed to meet Usborne minimum purchase and letter-of-credit requirements, giving Usborne termination rights, while Usborne inventory totaled $19.57 million as of May 31, 2026.
  • Deferred tax assets fully offset by valuation allowance. Management recorded a $1.93 million valuation allowance, leaving no net deferred tax asset, citing recent cumulative losses and concluding it is not more likely than not that these tax benefits will be realized.

Insights

Results show shrinking sales, supplier risk, but some cash stabilization.

Educational Development Corporation posted net revenues of $4.76M and a net loss of $1.40M for the quarter ended May 31, 2026, with both PaperPie and Publishing revenues down versus the prior year. Segment operating income remains positive but smaller.

Inventory management and financing are central. Inventories declined by about $1.42M in the quarter, helping generate $0.56M of operating cash flow, and total cash, cash equivalents and restricted cash reached $1.81M. A new $2.0M revolving credit line at U.S. Prime plus 2.00% provides additional liquidity.

Risks are elevated. The company did not meet minimum purchase and letter-of-credit terms with Usborne, which can terminate the agreement, while Usborne-related inventory totaled $19.57M. A full valuation allowance on deferred tax assets underscores recent cumulative losses. Subsequent filings may provide clarity on the supplier relationship and progress reducing excess inventory.

Net revenues $4,755,800 Three months ended May 31, 2026
Net loss $1,395,600 Three months ended May 31, 2026
Operating cash flow $564,300 Net cash provided by operating activities, three months ended May 31, 2026
Total cash, cash equivalents and restricted cash $1,809,500 End of period, May 31, 2026
Total assets $52,879,200 Balance sheet as of May 31, 2026
Usborne inventory $19,568,500 Total Usborne inventory owned as of May 31, 2026
Revolving credit facility $2,000,000 Maximum principal under Regent Bank credit agreement executed March 2026
Shares outstanding 8,524,964 shares Common stock outstanding as of July 5, 2026
forward-looking statements regulatory
"The information discussed in this Quarterly Report on includes “forward-looking statements.”"
Forward-looking statements are predictions or plans that companies share about what they expect to happen in the future, like estimating sales or profits. They matter because they help investors understand a company's outlook, but since they are based on guesses and assumptions, they can sometimes be wrong.
valuation allowance financial
"Accordingly, a valuation allowance has been recorded to offset these deferred tax assets."
A valuation allowance is a reserve set aside to reduce the value of certain assets on a company's financial records when there is uncertainty about whether they will generate the expected benefits. It acts like a caution sign, indicating that some assets might not be fully recoverable or worth their recorded amount. This matters to investors because it provides a more realistic picture of a company's financial health and potential risks.
operating lease right-of-use assets financial
"OPERATING LEASE RIGHT-OF-USE ASSETS | | | 6,742,000"
An operating lease right-of-use (ROU) asset is an accounting entry that shows the value of a leased item you have the legal right to use—like a building, vehicle, or equipment—recorded on a company’s balance sheet along with the corresponding lease obligation. Investors care because it adds to reported assets and liabilities, changing measures like leverage and return on assets much like bringing a long-term rental onto the company’s financial snapshot, which can affect credit terms and valuation.
noncurrent inventory financial
"Product inventory quantities in excess of what we expect will be sold within the normal operating cycle... are included in noncurrent inventory."
net operating loss carry forward financial
"The Company’s net operating loss (“NOL”) carry forward was generated from losses incurred in fiscal 2025 and first quarter of fiscal 2027."
PaperPie division financial
"Our PaperPie segment markets its products through a network of independent Brand Partners"
Net revenues $4,755,800
Net loss $1,395,600
PaperPie operating income $378,600
Publishing operating income $91,000
Operating cash flow $564,300
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FAQ

How did Educational Development Corporation (EDUC) perform financially in the quarter ended May 31, 2026?

EDUC reported lower sales and a wider net loss. Net revenues were $4.76 million versus $7.11 million a year earlier, and net loss was $1.40 million compared with $1.08 million, reflecting weaker demand across both the PaperPie and Publishing segments.

What were the results for EDUC’s PaperPie and Publishing segments this quarter?

Both EDUC segments remained profitable but smaller. PaperPie generated $4.17 million in net revenues and $378,600 of operating income, while Publishing produced $580,900 in net revenues and $91,000 in operating income, with each segment’s revenues down from the prior-year quarter.

What is the status of Educational Development Corporation’s relationship with Usborne Publishing?

EDUC faces risk under its Usborne distribution agreement. As of May 31, 2026, the company had not met minimum purchase and letter-of-credit requirements, giving Usborne the right to terminate, while Usborne inventory on EDUC’s balance sheet totaled $19.57 million.

How much cash and liquidity does EDUC have, and what about its new credit facility?

EDUC’s liquidity improved modestly. Cash, cash equivalents and restricted cash totaled $1.81 million at May 31, 2026. In March 2026, the company entered a secured $2.0 million revolving credit facility maturing March 6, 2027 at U.S. Prime plus 2.00% interest.

Did Educational Development Corporation generate cash from operations in this quarter?

EDUC produced positive operating cash flow. Operating activities provided $564,300 for the three months ended May 31, 2026, driven largely by a $1.42 million reduction in inventories, partially offset by lower payables and higher prepaid expenses.

Why does EDUC have a full valuation allowance on its deferred tax assets?

Management does not expect to realize deferred tax benefits. At May 31, 2026, deferred tax assets of $3.01 million were fully offset by a $1.93 million valuation allowance and deferred tax liabilities, reflecting recent cumulative losses and ASC 740 guidance.

How many shares of Educational Development Corporation are outstanding?

EDUC has a relatively small share base. As of July 5, 2026, there were 8,524,964 shares of common stock outstanding. Treasury stock totaled 4,190,716 shares at cost, leaving shareholders’ equity of $41.39 million on total assets of $52.88 million.

 

 

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

 

 

 

FORM 10-Q

 

 

 

(Mark One)

 

QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the quarterly period ended May 31, 2026

 

OR

 

TRANSITION REPORT UNDER SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

 

For the transition period from                            to                           .

 

Commission file number: 000-04957

 

EDUCATIONAL DEVELOPMENT CORPORATION

(Exact name of registrant as specified in its charter)

 

Delaware   73-0750007
(State or other jurisdiction of
incorporation or organization)
  (I.R.S. Employer
Identification No.)

 

5402 South 122nd East Ave, Tulsa, Oklahoma   74146
(Address of principal executive offices)   (Zip Code)

 

Registrant’s telephone number, including area code (918) 622-4522

 

Securities registered pursuant to Section 12(b) of the Act:

 

Common Stock, $.20 par value   EDUC   NASDAQ
(Title of class)   (Trading symbol)   (Name of each exchange on which registered)

 

Indicate by check mark whether the registrant (1) has filed all reports to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days.    

  Yes    No

 

Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T (§ 229.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files).  

  Yes    No

 

Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See definitions of “large accelerated filer”, “accelerated filer”, “smaller reporting company” and “emerging growth company” in Rule 12b-2 of the Exchange Act.

 

Large accelerated filer Accelerated filer
   
Non-accelerated filer Smaller reporting company
   
  Emerging Growth Company

 

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.

 

Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act).

  Yes    No

 

As of July 5, 2026, there were 8,524,964 shares of Educational Development Corporation Common Stock, $0.20 par value outstanding.

 

 

 

 

 

 

TABLE OF CONTENTS

 

    Page
PART I. FINANCIAL INFORMATION  
Item 1. Financial Statements 1
Item 2. Management’s Discussion and Analysis of Financial Condition and Results of Operations 15
Item 3. Quantitative and Qualitative Disclosures About Market Risk 21
Item 4. Controls and Procedures 21
     
PART II. OTHER INFORMATION  
Item 1. Legal Proceedings 22
Item 1A. Risk Factors 22
Item 2. Unregistered Sales of Equity Securities and Use of Proceeds 22
Item 3. Defaults Upon Senior Securities 22
Item 4. Mine Safety Disclosures 22
Item 5. Other Information 22
Item 6. Exhibits 23
Signatures 24

 

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Table of Contents

 

CAUTIONARY REMARKS REGARDING FORWARD-LOOKING STATEMENTS

 

The information discussed in this Quarterly Report on Form 10-Q includes forward-looking statements.These forward-looking statements are identified by their use of terms and phrases such as may,” “expect,” “estimate,” “project,” “plan,” “believe,” “intend,” “achievable,” “anticipate,” “continue,” “potential,” “should,” “could,and similar terms and phrases. Although we believe that the expectations reflected in these forward-looking statements are reasonable, they do involve certain assumptions, risks and uncertainties and we can give no assurance that such expectations or assumptions will be achieved. Known and unknown risks, uncertainties and other factors may cause our actual results, performance or achievements to be materially different from any future results, performance or achievements expressed or implied by forward-looking statements. Factors that could cause or contribute to such differences include, but are not limited to,

 

  our success in recruiting and retaining new brand partners,
     
  our ability to locate and procure desired books,
     
  product and supplier concentrations,
     
  our relationship with our primary supplier and the related distribution requirements and contractual limitations,
     
  adverse publicity associated with our Company or the industry,
     
  our ability to ship timely,
     
  changes to our primary sales channels, including social media and party plan platforms,
     
  changing consumer preferences and demands,
     
  cybersecurity threats and incidents,
     
  changes in macroeconomic conditions in international trade including changes in existing and  future tariffs,
     
  legal matters,
     
  reliance on information technology infrastructure,
     
  potential restrictions imposed in the agreements governing our indebtedness,
     
  our ability to obtain adequate financing for working capital and capital expenditures,
     
  economic and competitive conditions, regulatory changes and other uncertainties, as well as
     
  those factors discussed below and elsewhere in our Annual Report on Form 10-K for the year ended February 28, 2026 and in this Quarterly Report on Form 10Q, all of which are difficult to predict.

 

In light of these risks, uncertainties and assumptions, the forward-looking events discussed may not occur. All forward-looking statements attributable to us or persons acting on our behalf are expressly qualified in their entirety by the cautionary statements in this paragraph and elsewhere in this Quarterly Report on Form 10-Q and speak only as of the date of this Quarterly Report on Form 10-Q. Other than as required under the securities laws, we do not assume a duty to update these forward-looking statements, whether as a result of new information, subsequent events or circumstances, changes in expectations or otherwise. As used in this Quarterly Report on Form 10-Q, the terms the Company,” “EDC,” “we,” “ouror usmean Educational Development Corporation, a Delaware corporation, unless the context indicates otherwise.

 

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Table of Contents

 

PART I. FINANCIAL INFORMATION

 

Item 1. FINANCIAL STATEMENTS

 

EDUCATIONAL DEVELOPMENT CORPORATION
CONDENSED BALANCE SHEETS (UNAUDITED)

 

   May 31,   February 28, 
   2026   2026 
ASSETS        
CURRENT ASSETS:        
Cash and cash equivalents  $1,662,500   $1,118,400 
Restricted cash   147,000    222,000 
Accounts receivable, less allowance for credit losses of $73,000 (May 31) and $109,600 (February 28)   570,500    861,300 
Inventories - net   16,059,900    17,412,200 
Prepaid expenses and other assets   496,400    374,600 
Assets held for sale   450,000    563,600 
Total current assets   19,386,300    20,552,100 
           
INVENTORIES - net   20,149,200    20,251,700 
PROPERTY, PLANT AND EQUIPMENT - net   6,120,800    6,291,200 
OPERATING LEASE RIGHT-OF-USE ASSETS   6,742,000    6,716,100 
OTHER ASSETS   480,900,    500,500 
TOTAL ASSETS  $52,879,200   $54,311,600 
           
LIABILITIES AND SHAREHOLDERS’ EQUITY          
CURRENT LIABILITIES:          
Accounts payable  $1,618,200   $1,686,400 
Deferred revenues   417,000    320,500 
Operating lease liabilities, current   1,315,900    1,371,700 
Accrued salaries and commissions   311,700    218,600 
Income taxes payable   1,153,600    1,146,800 
Other current liabilities   1,241,600    1,427,500 
Total current liabilities   6,058,000    6,171,500 
           
OPERATING LEASE LIABILITIES, noncurrent   5,426,100    5,344,400 
OTHER LONG-TERM LIABILITIES   200    5,200 
Total liabilities   11,484,300    11,521,100 
           
SHAREHOLDERS’ EQUITY:          
Common stock, $0.20 par value; Authorized 16,000,000 shares; Issued 12,702,080 shares; Outstanding 8,511,364 (May 31 and February 28) shares   2,540,400    2,540,400 
Capital in excess of par value   13,769,400    13,769,400 
Retained earnings   38,232,600    39,628,200 
    54,542,400    55,938,000 
Less treasury stock, at cost   (13,147,500)   (13,147,500)
Total shareholders’ equity   41,394,900    42,790,500 
TOTAL LIABILITIES AND SHAREHOLDERS’ EQUITY  $52,879,200   $54,311,600 

 

See notes to condensed financial statements (unaudited).

 

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EDUCATIONAL DEVELOPMENT CORPORATION
CONDENSED STATEMENTS OF OPERATIONS (UNAUDITED)

 

   Three Months Ended
May 31,
 
   2026   2025 
PRODUCT REVENUES, net of discounts and allowances  $4,537,400   $6,764,800 
Transportation revenue   218,400    341,600 
NET REVENUES   4,755,800    7,106,400 
COST OF GOODS SOLD   1,934,500    2,969,300 
Gross margin   2,821,300    4,137,100 
           
OPERATING EXPENSES          
Operating and selling   677,000    994,600 
Sales commissions   1,348,700    2,012,100 
General and administrative   2,070,400    2,694,900 
Total operating expenses   4,096,100    5,701,600 
           
INTEREST EXPENSE   600    504,300 
OTHER (INCOME) LOSS   103,700    (619,500)
           
LOSS BEFORE INCOME TAXES   (1,379,100)   (1,449,300)
           
INCOME TAX EXPENSE (BENEFIT)   16,500    (374,100)
NET LOSS  $(1,395,600)  $(1,075,200)
           
BASIC AND DILUTED LOSS PER SHARE          
Basic  $(0.16)  $(0.13)
Diluted  $(0.16)  $(0.13)
           
WEIGHTED AVERAGE NUMBER OF COMMON AND EQUIVALENT SHARES OUTSTANDING:          
Basic   8,511,364    8,583,201 
Diluted   8,511,364    8,583,201 
Dividends per share  $-   $- 

 

See notes to condensed financial statements (unaudited).

 

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EDUCATIONAL DEVELOPMENT CORPORATION
CONDENSED STATEMENTS OF CHANGES IN SHAREHOLDERS’ EQUITY (UNAUDITED)
FOR THE THREE MONTHS ENDED MAY 31, 2026

 

   Common Stock (par value $0.20 per share)           Treasury Stock     
   Number of
Shares
Issued
   Amount   Capital in
Excess of
Par Value
   Retained
Earnings
   Number
of
Shares
   Amount   Shareholders’
Equity
 
BALANCE - February 28, 2026   12,702,080   $2,540,400   $13,769,400   $39,628,200    4,190,716   $(13,147,500)  $42,790,500 
Net loss   -    -    -    (1,395,600)   -    -    (1,395,600)
BALANCE - May 31, 2026   12,702,080   $2,540,400   $13,769,400   $38,232,600    4,190,716   $(13,147,500)  $41,394,900 

 

FOR THE THREE MONTHS ENDED MAY 31, 2025

 

   Common Stock (par value $0.20 per share)           Accumulated   Treasury Stock     
   Number of
Shares
Issued
   Amount   Capital in
Excess of
Par Value
   Retained
Earnings
   Other
Comprehensive
Loss
   Number
of
Shares
   Amount   Shareholders’
Equity
 
BALANCE – February 28, 2025   12,702,080   $2,540,400   $13,800,000   $37,303,000   $(15,400)   4,118,879   $(13,060,400)  $40,567,600 
Change in fair value of interest rate exchange agreement   -    -    -    -    15,400    -    -    15,400 
Net loss   -    -    -    (1,075,200)   -    -    -    (1,075,200)
BALANCE - May 31, 2025   12,702,080   $2,540,400   $13,800,000   $36,227,800   $-    4,118,879   $(13,060,400)  $39,507,800 

 

See notes to condensed financial statements (unaudited).

 

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EDUCATIONAL DEVELOPMENT CORPORATION
CONDENSED STATEMENTS OF CASH FLOWS (UNAUDITED)

 

   Three Months Ended
May 31,
 
   2026   2025 
CASH FLOWS FROM OPERATING ACTIVITIES        
Net loss  $(1,395,600)  $(1,075,200)
Adjustments to reconcile net loss to net cash provided by operating activities:          
Depreciation and amortization   273,100    366,100 
Deferred income taxes   -    (390,600)
Provision for credit losses   6,000    12,000 
Provision for inventory valuation allowance   36,000    36,000 
Net loss (gain) on sale of assets   (800)   57,000 
Impairment loss on assets   113,600    - 
Changes in assets and liabilities:          
Accounts receivable   284,800    113,700 
Inventories - net   1,418,800    2,611,900 
Prepaid expenses and other assets   (108,900)   (47,800)
Accounts payable   (68,200)   (329,000)
Accrued salaries and commissions and other liabilities   (97,800)   (166,400)
Deferred revenues   96,500    (26,300)
Income taxes payable/receivable   6,800    235,100 
Total adjustments   1,959,900    2,471,700 
Net cash provided by operating activities   564,300    1,396,500 
CASH FLOWS FROM INVESTING ACTIVITIES          
Purchases of property, plant and equipment   (96,000)   (207,400)
Proceeds from sale of assets   800    45,000 
Net cash used in investing activities   (95,200)   (162,400)
CASH FLOWS FROM FINANCING ACTIVITIES          
Payments on term debt   -    (450,000)
Net cash used in financing activities   -    (450,000)
NET INCREASE IN CASH, CASH EQUIVALENTS AND RESTRICTED CASH   469,100    784,100 
CASH, CASH EQUIVALENTS AND RESTRICTED CASH - BEGINNING OF PERIOD   1,340,400    976,500 
CASH, CASH EQUIVALENTS AND RESTRICTED CASH - END OF PERIOD  $1,809,500   $1,760,600 
           
SUPPLEMENTAL DISCLOSURE OF CASH FLOWS INFORMATION          
Cash paid for interest  $600   $468,300 
Cash (received)/paid for income taxes - net of refunds  $9,700   $(218,600)
           
NONCASH TRANSACTIONS          
Leased assets obtained in exchange for operating lease liabilities  $305,100   $26,200 

 

See notes to condensed financial statements (unaudited).

  

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NOTES TO CONDENSED FINANCIAL STATEMENTS (UNAUDITED)

 

Note 1 – BASIS OF PRESENTATION AND SUMMARY OF SIGNIFICANT ACCOUNTING POLICIES

 

Basis of Presentation

 

The accompanying Unaudited Condensed Financial Statements have been prepared in accordance with accounting principles generally accepted in the United States (“GAAP”) for interim condensed financial information and in accordance with the rules and regulations of the Securities and Exchange Commission. The Unaudited Condensed Financial Statements include all adjustments considered necessary for a fair presentation of the financial position and results of operations for the interim periods presented. Such adjustments consist only of normal recurring items, unless otherwise disclosed herein. Accordingly, the Unaudited Condensed Financial Statements do not include all of the information and notes required by GAAP for complete financial statements. However, we believe that the disclosures made are adequate to make the information not misleading. These interim Unaudited Condensed Financial Statements should be read in conjunction with our audited financial statements as of and for the year ended February 28, 2026 included in our Form 10-K. The results of operations for interim periods are not necessarily indicative of the results to be expected for a full year due to the seasonality of our product sales.

 

Use of Estimates in the Preparation of Financial Statements

 

The preparation of the Unaudited Condensed Financial Statements in conformity with GAAP requires management to make estimates and assumptions that affect the amounts reported in these financial statements and accompanying notes. Actual results could differ from those estimates.

 

Significant Accounting Policies

 

Our significant accounting policies, other than the adoption of new accounting pronouncements separately documented herein and unless otherwise disclosed, are consistent with those disclosed in Note 1 to our audited financial statements as of and for the year ended February 28, 2026 included in our Form 10-K.

 

Reclassifications

 

Certain reclassifications have been made to the May 31, 2025 condensed financial statements to conform to the May 31, 2026 condensed financial statements presentation. These reclassifications had no effect on net earnings.

 

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New Accounting Pronouncements

 

The Financial Accounting Standards Board (“FASB”) periodically issues new accounting standards in a continuing effort to improve standards of financial accounting and reporting. We have reviewed the recently issued pronouncements and concluded the following new accounting standard updates (“ASU”) apply to us:

 

New Accounting Standards or Updates Not Yet Adopted

 

In December 2025, the FASB issued ASU 2025-12, Codification Improvements (“ASU 2025-12”). ASU 2025-12 addresses suggestions received from stakeholders regarding the Accounting Standards Codification and makes other incremental improvements to U.S. GAAP. The update represents changes to the Codification that clarify, correct errors in or make other improvements to a variety of topics that are intended to make it easier to understand and apply. ASU 2025-12 is effective for fiscal years beginning after December 15, 2026 and interim periods within those fiscal years. Entities are required to apply the amendments to ASC 260 retrospectively. All other amendments may be applied prospectively or retrospectively. We have adopted ASU 2025-12 and implemented its changes.

 

In December 2025, the Financial Accounting Standards Board (“FASB”) issued Accounting Standards Update (“ASU”) 2025-11, Interim Reporting (Topic 270) Improvements to Interim Disclosure Requirements. The standard clarifies disclosure requirements for interim financial statements and is effective for interim periods beginning after December 15, 2027. Early adoption is permitted. We are currently evaluating the impact this ASU may have on our financial statement disclosures.

 

In September 2025, the FASB issued ASU 2025-06, Intangibles - Goodwill and Other - Internal-Use Software (Subtopic 350-40): Targeted Improvements to the Accounting for Internal-Use Software (“ASU 2025-06”), which requires software capitalization to begin when both of the following occur: (1) management has authorized and committed to funding the software project; and (2) it is probable that the project will be completed and the software will be used to perform the function intended. For public entities, the provisions within ASU 2025-06 are effective for the first annual and interim reporting periods beginning after December 15, 2027, with early adoption permitted. The provisions within ASU 2025-06 allow for a prospective, modified, or retrospective transition approach. The Company is currently evaluating this ASU to determine its impact on the Company’s financial statements and disclosures.

 

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In November 2024, the FASB issued ASU 2024-03, Income Statement—Reporting Comprehensive Income—Expense Disaggregation Disclosures (Subtopic 220-40): Disaggregation of Income Statement Expenses, which requires disclosure about the types of costs and expenses included in certain expense captions presented on the income statement. The new disclosure requirements are effective for the Company’s annual periods beginning March 1, 2027, and interim periods beginning March 1, 2028, with early adoption permitted, and may be applied either prospectively or retrospectively. The Company is currently evaluating the ASU to determine its impact on the Company’s financial statements and disclosures.

 

Note 2 – CASH

 

The table below reconciles cash, cash equivalents and restricted cash as reported in the balance sheets to the total of the same amounts shown in the statements of cash flows:

 

   May 31,
2026
   May 31,
2025
 
Cash and cash equivalents  $1,662,500   $1,040,200 
Restricted cash   147,000    720,400 
Total cash, cash equivalents and restricted cash shown in the statements of cash flows  $1,809,500   $1,760,600 

 

The Company has contracted with Nexio and PayPal, Inc., third-party merchant service processors, to capture Visa, Discover, Mastercard and PayPal payments from customers. Approximately 90% of all payments received by the Company are channeled through these processors. These processors hold cash payments received from customers in reserve for a specified number of days to offset any potential chargebacks. The Company also has a short-term certificate of deposit with the Company’s bank as collateral for business credit card use. The Company has classified the cash held in reserves by Nexio and PayPal and the restricted certificate of deposit as restricted cash. 

 

Note 3 – ASSETS HELD FOR SALE

 

Equipment

 

During the second quarter of fiscal year 2025, the Company entered into a triple-net lease agreement for approximately 111,000 square feet of available office and warehouse space in the Hilti Complex to a new tenant. To create space for this new tenant, the Company removed three production lines from the warehouse before July 31, 2024. As a result, in the second quarter of fiscal 2025, the Company made available and committed to sell the disassembled equipment. The Company is actively marketing unused equipment using a national on-line auction house as of May 31, 2026. The Company is subject to the presentation and disclosure requirements since the equipment meets all the criteria and is classified as an “Asset Held for Sale.” Once management determined that the disassembled equipment met the criteria to be classified as held for sale, the Company ceased depreciation of the asset and reported it separately on the balance sheet, beginning on August 31, 2024. In the third quarter of fiscal 2026, the Company evaluated the carrying amount of the assets and the estimated fair values less costs to sell and recorded an impairment loss on the assets of $287,100. In the first quarter of fiscal 2027 the Company again evaluated the carrying amount of the assets and the estimated fair values less costs to sell and recorded another impairment loss on the assets of $113,600, further reducing the assets held for sale account.

 

The Company records assets held for sale at the lower of their carrying value or fair value less costs to sell. The total carrying value of assets held for sale was $450,000 and $563,600 as of May 31, 2026, and February 28, 2026, respectively, and is separately recorded on the balance sheet. 

 

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Note 4 – INVENTORIES

 

Inventories consist of the following:

 

   May 31,
2026
   February 28,
2026
 
Current:        
Product inventory  $16,431,000   $17,771,000 
Inventory valuation allowance   (371,100)   (358,800)
Inventories net – current  $16,059,900   $17,412,200 
           
Noncurrent:          
Product inventory  $21,010,200   $21,056,700 
Inventory valuation allowance   (861,000)   (805,000)
Inventories net – noncurrent  $20,149,200   $20,251,700 

 

Inventory in transit totalled $47,600 and $147,900 at May 31, 2026 and February 28, 2026, respectively.

 

Product inventory quantities in excess of what we expect will be sold within the normal operating cycle, based on 2½ years of anticipated sales, are included in noncurrent inventory.

 

Note 5 – LEASES

 

Our lessee arrangements include six rental agreements where we have the exclusive use of dedicated office space in San Diego, California, Ogden, Utah, a warehouse space in Joplin, Missouri and three leases for office and warehouse space locally in Tulsa, Oklahoma, all of which qualify as operating leases under ASC 842.

 

In connection with the sale of the Hilti Complex, the Company leased back a portion of the Complex for office and warehouse space. The term of the lease is 10 years, and the initial lease rate is $8.00 per square foot, with 2.5% annual escalations. The Company also has two five-year renewal and extension options with 2.5% increases annually in the base rental rate of the preceding year. The Lease also includes triple-net terms, where the Company and other tenants will be responsible for utilities, insurance, property taxes, and regular maintenance.

  

We recognize an operating lease liability on the balance sheets for each lease based on the present value of remaining minimum fixed rental payments (which includes payments under any renewal option that we are reasonably certain to exercise), using a discount rate that approximates the rate of interest we would have to pay to borrow on a collateralized basis over a similar term. Expected payments in the next twelve months are classified as current operating lease liabilities. Payments in excess of twelve months are classified as long-term operating lease liabilities. We also recognize an operating lease right-of-use asset on the balance sheets, valued at the lease liability and adjusted for prepaid or accrued rent balances existing at the time of initial recognition. The operating lease liability and right-of-use assets are reduced over the term of the lease as payments are made and the assets are used.

 

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   May 31,
2026
   February 28,
2026
 
Operating lease assets:        
Right-of-use assets  $6,742,000   $6,716,100 
           
Operating lease liabilities:          
Current lease liabilities  $1,315,900   $1,371,700 
Long-term lease liabilities  $5,426,100   $5,344,400 
           
Weighted-average remaining lease term (months)   105.4    108.9 
Weighted-average discount rate   6.35%   6.36%

  

Minimum fixed rental payments are recognized on a straight-line basis over the life of the lease as costs and expenses in our statements of operations. Variable and short-term rental payments are recognized as costs and expenses as they are incurred.

 

   May 31,
2026
   May 31,
2025
 
Fixed lease costs  $388,300   $170,700 

 

Future minimum rental payments under operating leases with initial terms greater than one year as of May 31, 2026, are as follows:

 

Years ending February 28,    
2027  $998,300 
2028   1,037,700 
2029   958,200 
2030   929,200 
2031   952,500 
Thereafter   4,766,500 
Total future minimum rental payments   9,642,400 
Less: imputed interest   (2,900,400)
Total operating lease liabilities  $6,742,000 

  

The following table provides further information about our operating leases reported in our condensed financial statements:

 

   May 31,
2026
   May 31,
2025
 
Operating cash outflows – operating leases  $388,300   $170,700 

 

   2026   2025 
NONCASH TRANSACTIONS        
Lease assets obtained in exchange for new lease liabilities  $305,100   $26,200 

 

The Company assesses its leases to determine whether it is reasonably certain that these renewal options will be exercised. In general, most of the office space outside of Tulsa, Oklahoma is associated with remote employees. Their continued employment determines the need for this space. Much of the warehouse space outside of the Hilti Complex is used to store non-current inventory. As the Company sells down excess inventory, less outside space will be needed, and any renewals will be for less space. The Company also considered the renewal options for the operating lease at the Hilti Complex and is not reasonably certain to exercise the renewal options. Accordingly, the renewal options are not included in the calculation of its right-of-use assets and lease liabilities, as the Company does not believe that it is reasonably certain that these renewal options will be exercised.  

 

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Note 6 – DEBT

 

In March 2026, the Company executed a new credit agreement with Regent Bank (the Lender). The loan agreement establishes a revolving promissory note in the principal amount up to $2,000,000. Interest shall be calculated each month on the outstanding borrowings. The credit agreement was secured by the assets of the Company including accounts receivable, inventory, equipment and excess land. The Lender also required the personal guarantee of Craig White, President, Chief Executive Officer, and Chairman of the Board of the Company.

 

Available credit under the current revolving line of credit with the Company’s Lender was $2,000,000 as of May 31, 2026.

 

Features of the loan agreement include:

 

  (i) $2.0 million revolving loan with maturity date of March 6, 2027.
     
  (i)(a)  The revolving loan bears variable interest at a rate per annum equal to the U.S. Prime Rate + 2.00%.
     
  (i)(b) The U.S. Prime Rate was 6.75% as of May 31, 2026, making the total interest rate equal to 8.75%.

 

Note 7 – BUSINESS CONCENTRATION

 

Significant portions of our inventory purchases are concentrated with an England-based publishing company, Usborne Publishing Limited (“Usborne”). During fiscal 2023, we entered into a new distribution agreement (“Agreement”) with Usborne. The Agreement includes annual minimum purchase volumes along with specific payment terms and letter of credit requirements, which if not met offer Usborne the right to terminate the Agreement on less than 30 days’ written notice. Should termination of the Agreement occur, the Company will be allowed to sell its remaining Usborne inventory for an agreed upon period, but not less than twelve months following the termination date. As of May 31, 2026, the Company did not meet the minimum purchase requirements and did not supply the letter of credit required under the Agreement, which offers Usborne the right to exercise their option to terminate the Agreement. Usborne has not notified the Company of termination of the Agreement. In addition, Usborne has refused to pay the $1.0 million volume rebate owed to the Company from purchases made during fiscal 2022. The Company is disputing the cancellation of the rebate but has not recognized any rebate due to its uncertainty. Additionally, under the terms in the Agreement, the Company no longer has the rights to distribute Usborne’s products to retail customers through our Publishing division. As a result, the Company discontinued selling Usborne products to retail customers in the first quarter of fiscal 2024.

 

The following table summarizes Usborne product revenues, net of discounts, by division and inventory purchases by product type:

 

   Three Months Ended
May 31,
 
   2026   2025 
Product revenues, net of discounts of Usborne products by division:        
PaperPie division  $1,309,200   $2,539,100 
% of total PaperPie Product revenues, net of discounts   33.1%   44.4%
Publishing division   -    - 
% of total Publishing Product revenues, net of discounts   0.0%   0.0%
Total Product revenues, net of discounts of Usborne products  $1,309,200   $2,539,100 
           
Purchases received by product type:          
Usborne  $-   $43,100 
% of total purchases received   0.00%   26.1%
All other product types   435,300    122,100 
% of total purchases received   100.0%   73.9%
Total purchases received  $435,300   $165,200 

 

Total Usborne inventory owned by the Company and included in our balance sheets was $19,568,500 and $20,158,500 as of May 31, 2026 and February 28, 2026, respectively.

 

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Note 8 – INCOME TAXES

 

Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes. The tax effects of significant items comprising our net deferred tax assets and liabilities are as follows:

 

   May 31,   February 28 
   2026   2026 
Deferred tax assets:        
Allowance for credit losses  $19,700   $29,600 
Inventory overhead capitalization   208,700    182,700 
Inventory valuation allowance   100,200    96,900 
Inventory valuation allowance – noncurrent   232,500    217,300 
Allowance for sales returns   27,200    27,200 
Net operating loss carry forward (1)   399,600    109,300 
Disallowed interest (2)   2,001,300    2,001,300 
Accruals   20,100    12,100 
Total deferred tax assets   3,009,300    2,676,400 
           
Deferred tax liabilities:          
Property, plant, and equipment   (1,082,400)   (1,121,600)
Total deferred tax liabilities   (1,082,400)   (1,121,600)
           
Valuation allowance (3)   (1,926,900)   (1,554,800)
Net deferred tax assets  $-   $- 

 

(1) The Company’s net operating loss (“NOL”) carry forward was generated from losses incurred in fiscal 2025 and first quarter of fiscal 2027. The Company’s NOL can be carried forward indefinitely but are limited to an 80% maximum offset of taxable income.
(2) The Company’s disallowed interest was generated from interest expense that was not deductible for tax purposes due to a maximum allowable deduction of 30% of taxable income. The disallowed interest is carried forward to be deducted against future income, subject to the 30% limitation.
(3)

In evaluating the need for a valuation allowance and the realizability of deferred tax assets, the Company utilized the framework contained in ASC 740, “Income Taxes,” pursuant to which management analysed all positive and negative evidence available at the balance sheet date to determine whether all or some portion of the deferred tax assets will not be realized. Under this guidance, a valuation allowance must be established for deferred tax assets when it is more likely than not that they will not be realized. In conclusion, management placed significant emphasis on guidance in ASC 740, which includes that a cumulative loss in recent years is a significant piece of negative evidence that is difficult to overcome. Based upon available evidence, it was concluded on a more-likely-than-not basis that certain deferred tax assets were not realizable as of May 31, 2026 and February 28, 2026. Accordingly, a valuation allowance has been recorded to offset these deferred tax assets.

 

The reconciliation of taxes at the federal statutory rate to our provision for income taxes for the three months ended May 31, 2026 was as follows:

 

   May 31, 2026 
   Amount   Percentage 
U.S. federal statutory income tax rate  $(289,600)   21.0%
Tax credits          
U.S. state and local income taxes, net of federal benefit   (85,000)   6.2%
Changes in valuation allowance   372,100    (27.0)%
Other   19,000    (1.4)%
Effective tax rate  $16,500    (1.2)%

 

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The components of income tax expense (benefit) are as follows:

 

   May 31,   May 31, 
   2026   2025 
Current:        
Federal  $19,600   $18,300 
State and local   16,500    16,500 
    36,100    34,800 
Deferred:          
Federal   76,900    (307,600)
State and local   (96,500)   (101,300)
    (19,600)   (408,900)
Total income tax expense (benefit)  $16,500   $(374,100)

 

The following reconciles our expected income tax rate to the U.S. federal statutory income tax rate:

 

   May 31,   May 31, 
   2026   2025 
U.S. federal statutory income tax rate   21.0%   21.0%
U.S. state and local income taxes–net of federal benefit   6.2%   6.1%
Valuation allowance   (27.0)%   -%
Other   (1.4)%   (1.3)%
Total income tax (expense) benefit   (1.2)%   25.8%

 

Note 9 – SHIPPING AND HANDLING COSTS

 

We classify shipping and handling costs as operating and selling expenses in the condensed statements of operations. Shipping and handling costs include postage, freight, handling costs, as well as shipping materials and supplies. These costs were $571,000 and $805,200 for the three months ended May 31, 2026 and 2025, respectively.

 

Note 10 – BUSINESS SEGMENTS

 

We have two reportable segments: PaperPie and Publishing. These reportable segments are business units that offer different methods of distribution to different types of customers. They are managed separately based on the fundamental differences in their operations. Our PaperPie segment markets its products through a network of independent Brand Partners using a combination of internet sales, direct sales, home shows, and book fairs. Our Publishing segment markets its products to retail accounts, which include book, school supply, toy and gift stores, museums, trade and specialty wholesalers, through commissioned sales representatives, and our internal tele-sales group. See Note 7 for the impact of our updated Usborne distribution agreement on the Publishing segment.

 

The accounting policies for the segments are the same as those for the rest of the Company. We evaluate segment performance based on earnings before income taxes of the segments, which is defined as segment net revenues reduced by cost of sales and direct expenses. Direct expenses are composed of payroll, commissions, general and administrative, and operating and selling expenses. Corporate expenses, depreciation, interest expense, other income, and income taxes are not allocated to the segments but are listed in the “Other” row below. Corporate expenses include the executive department, accounting department, information services department, general office management, warehouse operations and building facilities management. Our assets and liabilities are not allocated on a segment basis. Separate financial information is regularly evaluated by the Chief Operating Decision Maker (“CODM”) in deciding how to allocate resources. For the Company, the Chief Executive Officer is the CODM. 

 

Information by reporting segment for the three-month periods ended May 31, 2026 and 2025, are as follows:

 

NET REVENUES

 

   Three Months Ended
May 31,
 
   2026   2025 
PaperPie  $4,174,900   $6,060,300 
Publishing   580,900    1,046,100 
Total  $4,755,800   $7,106,400 

 

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LOSS BEFORE INCOME TAXES

 

   Three Months Ended
May 31,
 
   2026   2025 
PaperPie  $378,600   $461,700 
Publishing   91,000    207,800 
Other   (1,848,700)   (2,118,800)
Total  $(1,379,100)  $(1,449,300)

  

PUBLISHING OPERATING RESULTS

 

The following table summarizes the operating results of the Publishing segment for the three months ended May 31, 2026 and 2025:

 

   Three Months Ended
May 31,
 
   2026   2025 
Net revenues  $580,900   $1,046,100 
           
Cost of goods sold   251,800    500,000 
Gross margin   329,100    546,100 
           
Operating expenses:          
Operating and selling   58,800    82,300 
Sales commissions   11,900    30,500 
General and administrative   167,400    225,500 
Total operating expenses   238,100    338,300 
           
Operating income  $91,000   $207,800 

 

PAPERPIE OPERATING RESULTS

 

The following table summarizes the operating results of the PaperPie segment for the three months ended May 31, 2026 and 2025:

 

   Three Months Ended
May 31,
 
   2026   2025 
Net revenues  $4,174,900   $6,060,300 
           
Cost of goods sold   1,682,700    2,469,300 
Gross margin   2,492,200    3,591,000 
           
Operating expenses          
Operating and selling   502,900    739,600 
Sales commissions   1,336,800    1,981,500 
General and administrative   273,900    408,200 
Total operating expenses   2,113,600    3,129,300 
           
Operating income  $378,600   $461,700 

  

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Information for the Other segment above for the three months ended May 31, 2026 and 2025 is set forth below:

 

OTHER NON-SEGMENT LOSS BEFORE INCOME TAXES

 

   Three Months Ended
May 31,
 
   2026   2025 
Operating and selling:        
Freight  $85,900   $149,700 
Computer support   29,400    23,000 
Total operating and selling expenses   115,300    172,700 
           
General and administrative:          
Payroll   750,200    963,200 
Depreciation   256,200    276,700 
Building and warehouse rents   390,600    237,700 
Outside services   49,300    151,600 
Property insurance   57,900    74,800 
Professional service fees   56,400    59,700 
Dues and subscriptions   73,600    53,500 
Other   (5,100)   244,100 
Total general and administrative expenses   1,629,100    2,061,300 
           
Interest expense   600    504,300 

Other (income) loss

   103,700    (619,500)
Total other non-segment loss before income taxes  $1,848,700   $2,118,800 

 

Note 11 – FINANCIAL INSTRUMENTS

 

The following methods and assumptions are used in estimating the fair-value disclosures for financial instruments:

 

  - The carrying amounts reported on the balance sheets for cash and cash equivalents, accounts receivable and accounts payable approximate fair value due to the short-term maturity of these instruments.
     
  - The estimated fair value of our assets held for sale was $450,000 as of May 31, 2026 and $563,600 February 28, 2026, respectively.

 

Note 12 – DEFERRED REVENUES

 

The Company’s PaperPie division receives payments on orders in advance of shipment. Any payments received prior to the end of the period that were not shipped as of May 31, 2026 or February 28, 2026 are recorded as deferred revenues on the balance sheets. We received approximately $417,000 and $320,500 as of May 31, 2026 and February 28, 2026, respectively, in payments for sales orders which were, or will be, shipped out subsequent to the end of the period.

 

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Item 2. MANAGEMENTS DISCUSSION AND ANALYSIS OF FINANCIAL CONDITION AND RESULTS OF OPERATIONS

 

Factors Affecting Forward-Looking Statements

 

See Cautionary Remarks Regarding Forward-Looking Statementsin the front of this Quarterly Report on Form 10-Q.

 

Overview

 

We are the owner and exclusive publisher of Kane Miller children’s books; Learning Wrap-Ups, maker of educational manipulatives; and SmartLab Toys, maker of STEAM-based toys and games. We are also the exclusive United States Multi-Level Marketing (“MLM”) distributor of Usborne Publishing Limited (“Usborne”) children’s books. Significant portions of our product offering and inventory are concentrated with Usborne. Our distribution agreement with Usborne includes annual minimum purchase volumes along with specific payment terms, which, if not met or if payments are not received in a timely manner, offer Usborne the right to terminate the agreement. During fiscal 2025 and fiscal 2026, the Company did not meet the minimum purchase volumes and certain payments were not received timely. No notification of non-compliance or termination has been received from Usborne. Should termination of the agreement occur, the Company will be allowed, at a minimum, to sell through our remaining Usborne inventory over a period of twelve months following the termination date.

 

We sell our products through two separate divisions, PaperPie and Publishing. These two divisions each have their own customer base. The PaperPie division markets our complete line of products through a network of independent Brand Partners using a combination of home shows, internet party events, and book fairs. The Publishing division markets Kane Miller, Learning Wrap-Ups, and SmartLab Toys on a wholesale basis to various retail accounts. All other supporting administrative activities are recognized as other expenses outside of our two divisions. Other expenses consist primarily of compensation for our office, warehouse, and sales support staff as well as the cost of operating and maintaining our corporate offices, warehouses and distribution facility.

 

The following table shows our condensed statements of operations data:

 

   Three Months Ended
May 31,
 
   2026   2025 
Product revenues, net of discounts and allowances  $4,537,400   $6,764,800 
Transportation revenue   218,400    341,600 
Net revenues   4,755,800    7,106,400 
Cost of goods sold   1,934,500    2,969,300 
Gross margin   2,821,300    4,137,100 
           
Operating expenses          
Operating and selling   677,000    994,600 
Sales commissions   1,348,700    2,012,100 
General and administrative   2,070,400    2,694,900 
Total operating expenses   4,096,100    5,701,600 
           
Interest expense   600    504,300 
Other (income) expense   103,700    (619,500)
Loss before income taxes   (1,379,100)   (1,449,300)
           
Income tax expense (benefit)   16,500    (374,100)
Net loss  $(1,395,600)  $(1,075,200)

 

See the detailed discussion of revenues, gross margin and general and administrative expenses by reportable segment below. The following is a discussion of significant changes in the non-segment related general and administrative expenses, other income and expenses and income taxes during the respective periods.

 

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Non-Segment Operating Results for the Three Months Ended May 31, 2026

 

Total operating expenses not associated with a reporting segment decreased $0.5 million, or 22.7%, to $1.7 million for the three-month period ended May 31, 2026, when compared to $2.2 million for the same quarterly period a year ago. Operating expenses decreased primarily as a result of a $0.2 million decrease in labor expenses and a $0.1 million decrease in freight expense, due primarily to a lower number of outbound shipments, and a $0.1 million decrease in outside services expense as well as a $0.1 million decrease in various other general and administrative expenses.

 

Interest expense decreased $0.5 million, or 100.0%, to $0.0 million for the three months ended May 31, 2026, when compared to $0.5 million for the same quarterly period a year ago, due to reduced borrowings of debt, period over period.

 

Income taxes increased $0.4 million, or 100.0%, to $0.0 million expense for the three months ended May 31, 2026, from a tax benefit of $0.4 million for the same quarterly period a year ago, resulting primarily from a decrease in gross sales along with tax valuation allowance offsetting our net operating loss benefit due to the uncertainty that our deferred tax asset will be realizable. Our effective tax rate decreased to (1.2)% for the quarter ended May 31, 2026, from 25.8% for the quarter ended May 31, 2025 due primarily to sales mix fluctuations between states and the tax valuation allowance booked during the quarter. Our tax rates are lower than the federal statutory rate of 21% due to the inclusion of state income and franchise taxes offset by the tax valuation allowance.

 

PaperPie Operating Results for the Three Months Ended May 31, 2026

 

The following table summarizes the operating results of the PaperPie segment for the three months ended May 31, 2026 and 2025:

 

   Three Months Ended
May 31,
 
   2026   2025 
Net revenues  $4,174,900   $6,060,300 
           
Cost of goods sold   1,682,700    2,469,300 
Gross margin   2,492,200    3,591,000 
           
Operating expenses          
Operating and selling   502,900    739,600 
Sales commissions   1,336,800    1,981,500 
General and administrative   273,900    408,200 
Total operating expenses   2,113,600    3,129,300 
           
Operating income  $378,600   $461,700 
           
Average number of active Brand Partners   5,300    7,700 

 

PaperPie Operating Results for the Three Months Ended May 31, 2026

 

PaperPie net revenues decreased $1.9 million, or 31.1%, to $4.2 million during the three months ended May 31, 2026, when compared to $6.1 million during the same period a year ago. The average number of active brand partners in the first quarter of fiscal 2027 was 5,300, a decrease of 2,400, or 31.2%, from 7,700 average active brand partners selling in the first quarter of fiscal 2026. The Company reports the average number of active Brand Partners as a key indicator for this division. Recruiting and maintaining Brand Partners has been negatively impacted by several factors including inflation and our distribution agreement with Usborne whereby Usborne actively sells their products through discounted retailers in the U.S. market. Inflation was most evident in the increase of food and fuel prices, both impacting the disposable income of our target customer base, which is families with small children. Sales during fiscal 2026 continued to be negatively impacted by continuing inflationary pressures and we expect this to continue into the next fiscal year, as these pressures persist. Historically, when we have experienced these difficult inflationary times, our active brand partner numbers have been positively impacted as more families look for non-traditional income streams to offset rising costs of living.

 

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Recent sales levels have also been impacted by the lack of new titles being introduced and certain out-of-stock items due to purchasing restrictions placed on us from our lender in the first three quarters of fiscal year 2026. Following the sale of the Hilti Complex in fiscal 2026 and corresponding payoff of the revolver and term loans with our bank which removed our purchasing restrictions, we have begun a conservative plan to place reorders and purchase new titles. The Company is returning to our past practice of introducing new titles, along with additional enhancements to our PaperPie e-commerce and “Backoffice” systems that are expected to create existing Brand Partner excitement and should increase our number of new recruits in this division.

 

PaperPie gross margin decreased $1.1 million, or 30.6%, to $2.5 million during the three months ended May 31, 2026, when compared to $3.6 million during the same period a year ago. Gross margin as a percentage of net revenues for the three months ended May 31, 2026 increased to 59.7%, compared to 59.3% the same period a year ago. The increase in gross margin as a percentage of net revenues was primarily attributed to product mix.

 

Total PaperPie operating expenses decreased $1.0 million, or 32.3%, to $2.1 million during the three-month period ended May 31, 2026, when compared to $3.1 million reported in the same quarter a year ago. Operating and selling expenses decreased $0.2 million, or 28.6%, to $0.5 million during the three-month period ended May 31, 2026, when compared to $0.7 million reported in the same quarter a year ago. These decreased expenses were due to a $0.1 million decrease in shipping costs associated with the decrease in volume of orders shipped and a decrease of $0.1 million in accruals for Brand Partner incentive trip expenses. Sales commissions decreased $0.7 million, or 35.0%, to $1.3 million during the three-month period ended May 31, 2026, when compared to $2.0 million reported in the same quarter a year ago, due primarily to the decrease in net revenues. General and administrative expenses decreased $0.1 million, or 25.0%, to $0.3 million during the three months ended May 31, 2026, when compared to $0.4 million during the same period a year ago. This decrease was due to a $0.1 million decrease in depreciation expense associated with the discontinued operation of line equipment currently in assets held for sale.

 

Operating income for the PaperPie segment decreased $0.1 million, or 20.0% to $0.4 million during the three months ended May 31, 2026, when compared to $0.5 million reported in the same quarter a year ago. Operating income for the PaperPie division as a percentage of net revenues for the year ended May 31, 2026 was 9.1%, compared to 7.6% for the year ended May 31, 2025, an increase of 1.5%. Operating income as a percentage of net revenues changed from the prior year primarily due to both the decrease in operating and selling expenses and general and administrative expenses compared to last fiscal year.

 

Publishing Operating Results for the Three Months Ended May 31, 2026

 

The following table summarizes the operating results of the Publishing segment for the three months ended May 31, 2026 and 2025:

 

   Three Months Ended
May 31,
 
   2026   2025 
Net revenues   580,900    1,046,100 
           
Cost of goods sold   251,800    500,000 
Gross margin   329,100    546,100 
           
Total operating expenses   238,100    338,300 
           
Operating income  $91,000   $207,800 

 

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Publishing Operating Results for the Three Months Ended May 31, 2026

 

Our Publishing division’s net revenues decreased $0.4 million, or 40.0%, to $0.6 million during the three-month period ended May 31, 2026, from $1.0 million reported in the same period a year ago. The change in net revenues was primarily from an overall sales volume decrease that was driven by the decrease in new titles available to present to our retail customers due to the purchasing restrictions in fiscal 2026 imposed by our lender.

 

Gross margin decreased $0.2 million, or 40.0%, to $0.3 million during the three-month period ended May 31, 2026, from $0.5 million reported in the same quarter a year ago, primarily due to the decrease in net revenues. Gross margin as a percentage of net revenues increased to 56.7% during the three-month period ended May 31, 2026, from 52.2% reported in the same quarter a year ago. Gross margin as a percentage of net revenues changed primarily from additional discounts offered to retail customers in the first quarter of last year to spur sales.

 

Total operating expenses of the Publishing segment decreased $0.1 million, or 33.4%, to $0.2 million, from $0.3 million, during the three-month periods ended May 31, 2026 and 2025, respectively. This change was primarily due to a $0.1 million decrease in different general and administrative expenses associated with the decrease in volume of orders shipped.

 

Operating income of the Publishing division decreased $0.1 million, or 50.0%, to $0.1 from $0.2 million for the three-month periods ending May 31, 2026 and 2025, respectively. Operating income for the Publishing division as a percentage of net revenues for the year ended May 31, 2026 was 15.7%, compared to 20.0% for the year ended May 31, 2025, a decrease of 4.3%. Operating income as a percentage of net revenues changed from the prior year primarily due to the decrease in operating and selling expenses compared to last fiscal year.

 

Liquidity and Capital Resources

 

Prior to the last two fiscal years, which have been challenged with higher product discounting to spur sales and increased interest rates on borrowings, EDC has a history of profitability and positive cash flow. We typically fund our operations from the cash we generate. During periods of operating losses, EDC will reduce purchases and sell through excess inventory to generate cash flow. The Company expects to reduce current excess inventory levels and use the cash proceeds to offset any future operating losses until it returns to profitability. In addition, the Company sold its owned real estate and paid off the revolving line of credit and term debts with our bank. Available cash has historically been used to pay down the outstanding bank loan balances, for capital expenditures, to pay dividends, and to acquire treasury stock.

 

During the first three months of fiscal year 2027, we experienced positive cash inflows from operations of $564,300. These cash inflows resulted from:

 

  net loss of $1,395,600

 

Adjusted for:

 

  depreciation and amortization expense of $273,100
     
  impairment on assets held for sale of $113,600
     
  provision for inventory allowance of $36,000
     
  provision for credit losses of $6,000

 

Offset by:

 

  net gain on sale of assets of $800

 

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Table of Contents

 

Positively impacted by:

 

  decrease in inventories, net of $1,418,800
     
  increase in income taxes payable of $6,800
     
  decrease in accounts receivable of $284,800
     
  increase in deferred revenues of $96,500

 

Negatively impacted by:

 

  decrease in accounts payable of $68,200
     
  decrease in accrued salaries and commissions, and other liabilities of $97,800
     
  increase in prepaid expenses and other assets of $108,900

 

Cash used in investing activities was $95,200 for capital expenditures, consisting of $96,000 in upgrades to our proprietary systems that our PaperPie Brand Partners use to monitor their business and place customer orders offset by $800 from the sale of machinery and equipment.

 

The Company continues to expect the cash generated from operations, specifically from the reduction of excess inventory, will provide us with the liquidity we need to support ongoing operations. Additionally, we have obtained a $2 million short-term loan to fund any short-term cash flow needs. Cash generated from operations will be used to acquire new inventory and pay down any short-term borrowings we expect to obtain.

 

Critical Accounting Policies

 

Our discussion and analysis of our financial condition and results of operations are based upon our financial statements, which have been prepared in accordance with accounting principles generally accepted in the United States(GAAP). The preparation of these financial statements requires us to make estimates and judgments that affect the reported amounts of assets, liabilities, revenues and expenses, and related disclosures of contingent assets and liabilities. On an on-going basis, we evaluate our estimates, including those related to our valuation of inventory, provision for credit losses, allowance for sales returns, long-lived assets and deferred income taxes. We base our estimates on historical experience and on various other assumptions that are believed to be reasonable under the circumstances, the results of which form the basis for making judgments about the carrying values of assets and liabilities that are not readily apparent from other sources.

 

Actual results may materially differ from these estimates under different assumptions or conditions. Historically, however, actual results have not differed materially from those determined using required estimates. Our significant accounting policies are described in the notes accompanying the financial statements included elsewhere in this report and in our audited financial statements as of and for the year ended February 28, 2026 included in our Form 10-K. However, we consider the following accounting policies to be more significantly dependent on the use of estimates and assumptions.

 

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Leases

 

Our lessee arrangements include six rental agreements where we have the exclusive use of dedicated office space in San Diego, California, Ogden, Utah, a warehouse space in Joplin, Missouri and three leases for office and warehouse space locally in Tulsa, Oklahoma, all of which qualify as operating leases under ASC 842.

 

We recognize an operating lease liability on the balance sheets for each lease based on the present value of remaining minimum fixed rental payments (which includes payments under any renewal option that we are reasonably certain to exercise), using a discount rate that approximates the rate of interest we would have to pay to borrow on a collateralized basis over a similar term. Expected payments in the next twelve months are classified as current operating lease liabilities. Payments in excess of twelve months are classified as long-term operating lease liabilities. We also recognize an operating lease right-of-use asset on the balance sheets, valued at the lease liability and adjusted for prepaid or accrued rent balances existing at the time of initial recognition. The operating lease liability and right-of-use assets are reduced over the term of the lease as payments are made and the assets are used.

 

The Company assesses its leases to determine whether it is reasonably certain that these renewal options will be exercised. In general, most of the office space outside of Tulsa, Oklahoma is associated with remote employees. Their continued employment determines the need for this space. Much of the warehouse space outside of the Hilti Complex is used to store non-current inventory. As the Company sells down excess inventory, less outside space will be needed, and any renewals will be for less space. The Company also considered the renewal options for the operating lease at the Hilti Complex and is not reasonably certain to exercise the renewal options. Accordingly, the renewal options are not included in the calculation of its right-of-use assets and lease liabilities, as the Company does not believe that it is reasonably certain that these renewal options will be exercised.

 

 Revenue Recognition

 

Sales associated with product orders are recognized and recorded when products are shipped. Products are shipped FOB-Shipping Point. PaperPie’s sales are generally paid at the time the product is ordered. Sales which have been paid for but not shipped are classified as deferred revenue on the balance sheet. Sales associated with consignment inventory are recognized when reported and payment associated with the sale has been remitted. Transportation revenue represents the amount billed to the customer for shipping the product and is recorded when the product is shipped.

 

Estimated allowances for sales returns are recorded as sales are recognized. Management uses a moving average calculation to estimate the allowance for sales returns. We are not responsible for a product damaged in transit. Damaged returns are primarily received from the retail customers of our Publishing division. This damage occurs in the stores, not in shipping to the stores, and we typically do not offer credit for damaged returns. It is an industry practice to accept non-damaged returns from retail customers. Management has estimated and included a reserve for sales returns of $0.2 million for May 31, 2026 and February 28, 2026, respectively.

 

Inventory

 

Our inventory contains approximately 2,000 titles, each with different rates of sale depending upon the nature and popularity of the title. Almost all of our product line is saleable as the products are not topical in nature and remain current in content today as well as in the future. Most of our products are printed in China, Europe, Singapore, India, Malaysia, and Dubai typically resulting in a four- to eight-month lead-time to have a title printed and delivered to us.

 

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Table of Contents

 

Certain inventory is maintained in a non-current classification. Management continually estimates and calculates the amount of non-current inventory. Noncurrent inventory arises due to occasional purchases of titles in quantities in excess of what will be sold within the normal operating cycle, due to the minimum order requirements of our suppliers, as well as reduced sales volumes. Noncurrent inventory is estimated by management using an anticipated turnover ratio by title, based primarily on historical trends. Inventory in excess of 2½ years of anticipated sales is classified as noncurrent inventory. These inventory quantities have additional exposure for storage damages, aging of topical related content, and associated issues, and therefore have higher obsolescence reserves. Noncurrent inventory balances prior to valuation allowances were $21.0 million and $21.1 million at May 31, 2026 and February 28, 2026, respectively. Noncurrent inventory valuation allowances were $0.9 million at May 31, 2026 and $0.8 million at February 28, 2026.

 

Brand Partners that meet certain eligibility requirements may request and receive inventory on consignment. We believe allowing Brand Partners to have consignment inventory greatly increases their ability to be successful in making effective presentations at home shows, book fairs, and other events; in summary, having consignment inventory leads to additional sales opportunities. Approximately 19.5% of our active Brand Partners maintained consignment inventory at the end of the first quarter of fiscal year 2027. Consignment inventory is stated at cost, less an estimated reserve for consignment inventory that is not expected to be sold or returned to the Company. The total cost of inventory on consignment with Brand Partners was $1.0 million and $1.1 million at May 31, 2026 and February 28, 2026, respectively.

 

Inventories are presented net of a valuation allowance, which includes reserves for inventory obsolescence and reserves for consigned inventory that is not expected to be sold or returned to the Company. Management estimates the inventory obsolescence allowance for both current and noncurrent inventory, which is based on management’s identification of slow-moving inventory. Management has estimated a valuation allowance for both current and noncurrent inventory, including the reserve for consigned inventory, of $1.2 million at May 31, 2026 and February 28, 2026.

 

Item 3.  QUANTITATIVE AND QUALITATIVE DISCLOSURES ABOUT MARKET RISK

 

Not applicable.

 

Item 4.  CONTROLS AND PROCEDURES

 

Evaluation of Disclosure Controls and Procedures

 

We performed an evaluation of the effectiveness of the design and operation of our “disclosure controls and procedures” (as defined in Rule 13a-15(e) and 15d-15(e) under the Securities Exchange Act of 1934, as amended (the “Exchange Act”)) as of the end of the period covered by this report. This evaluation was conducted under the supervision and with the participation of our management, including our Chief Executive Officer and Chairman of the Board (Principal Executive Officer) and our Chief Financial Officer and Corporate Secretary (Principal Financial and Accounting Officer).

 

Based on that evaluation, these officers concluded that our disclosure controls and procedures were designed and were effective to ensure that information required to be disclosed in reports that we file or submit under the Exchange Act is accumulated and communicated to them, as appropriate, to allow timely decisions regarding required disclosure and is recorded, processed, summarized, and reported in accordance with the time periods specified in SEC rules and forms. It should be noted that the design of any system of controls is based in part upon certain assumptions about the likelihood of future events.

 

Changes in Internal Control over Financial Reporting

 

During the first quarter of the fiscal year covered by this report on Form 10-Q, there have been no changes in our internal control over financial reporting that have materially affected or are reasonably likely to materially affect our internal control over financial reporting.

 

21

Table of Contents

 

PART II. OTHER INFORMATION

 

Item 1.  LEGAL PROCEEDINGS

 

We are not a party to any material legal proceedings.

 

Item 1A.  RISK FACTORS

 

Not required by smaller reporting company.

 

Item 2.  UNREGISTERED SALES OF EQUITY SECURITIES AND USE OF PROCEEDS

 

Period  Total #
of Shares
Purchased
   Average
Price
Paid per
Share
   Total #
of Shares
Purchased
as Part
of Publicly
Announced
Plan (1)
   Maximum #
of Shares
that
may be
Repurchased
under the
Plan (1)
 
March 1 - 31, 2026   -   $-    -    288,156 
April 1 - 30, 2026   -    -    -    288,156 
May 1 - 31, 2026   -    -    -    288,156 
Total   -   $-    -      

 

(1) On February 4, 2019 the Board of Directors approved a new stock repurchase plan, replacing the former 2008 stock repurchase plan. The maximum number of shares which can be purchased under the new plan is 800,000. This plan has no expiration date.

 

Item 3.  DEFAULTS UPON SENIOR SECURITIES

 

Not applicable.

 

Item 4.  MINE SAFETY DISCLOSURES

 

None.

 

Item 5.  OTHER INFORMATION

 

None.

 

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Table of Contents

 

Item 6.  EXHIBITS

 

3.1*   Restated Certificate of Incorporation dated April 26, 1968 and Certificate of Amendment thereto dated June 21, 1968 are incorporated herein by reference to Exhibit 1 to Registration Statement on Form 10-K (File No. 0-04957).
     
3.2*   Certificate of Amendment of Restated Certificate of Incorporation dated August 27, 1977 is incorporated herein by reference to Exhibit 20.1 to Form 10-K for fiscal year ended February 28, 1981 (File No. 0-04957).
     
3.3*   By-Laws, as amended, are incorporated herein by reference to Exhibit 20.2. to Form 10-K for fiscal year ended February 28, 1981 (File No. 0-04957).
     
3.4*   Certificate of Amendment of Restated Certificate of Incorporation dated November 17, 1986 is incorporated herein by reference to Exhibit 3.3 to Form 10-K for fiscal year ended February 28, 1987 (File No. 0-04957).
     
3.5   Certificate of Amendment of Restated Certificate of Incorporation dated March 22, 1996 is incorporated herein by reference to Exhibit 3.4 to Form 10-K for fiscal year ended February 28, 1997 (File No. 0-04957).
     
3.6   Certificate of Amendment of Restated Certificate of Incorporation dated July 15, 2002 is incorporated herein by reference to Exhibit 10.30 to Form 10-K dated February 28, 2003 (File No. 0-04957).
     
3.7   Certificate of Amendment of Restated Certificate of Incorporation dated August 15, 2018 is incorporated herein by reference to Exhibit 3.1 to Form 8-K dated August 21, 2018 (File No. 0-04957).
     
10.1   Usborne Distribution Agreement dated May 16, 2022 by and between the Company and Usborne Publishing Limited, London, England is incorporated herein by reference to Exhibit 10.2 to form 10-Q dated May 31, 2022 (File No. 0-04957).
     
10.2   Credit Agreement dated March 6, 2026 by and between the Company and Regent Bank Broken Arrow, OK is incorporated herein by reference to Exhibit 10.01 to form 8-K dated March 11, 2026 (File No. 0-04957).
     
31.1**   Certification of the Chief Executive Officer of Educational Development Corporation pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
     
31.2**   Certification of Chief Financial Officer and Corporate Secretary of Educational Development Corporation pursuant to Section 302 of the Sarbanes-Oxley Act of 2002.
     
32.1**   Certification pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
     
101.INS   Inline XBRL Instance Document
     
101.SCH   Inline XBRL Taxonomy Extension Schema
     
101.CAL   Inline XBRL Taxonomy Extension Calculation Linkbase
     
101.DEF   Inline XBRL Taxonomy Extension Definition Linkbase
     
101.LAB   Inline XBRL Taxonomy Extension Label Linkbase
     
101.PRE   Inline XBRL Taxonomy Extension Presentation Linkbase
     
104   Cover Page Interactive Data File (formatted as Inline XBRL and contained in Exhibit 101)

 

* Paper Filed
** Filed Herewith

 

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Table of Contents

 

SIGNATURES

 

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned thereunto duly authorized.

 

  EDUCATIONAL DEVELOPMENT CORPORATION
(Registrant)
     
Date: July 9, 2026 By /s/ Craig M. White
    President, Chief Executive Officer, and
Chairman of the Board
(Principal Executive Officer)
 
Date: July 9, 2026 By /s/ Dan E. O’Keefe
    Dan E. O’Keefe
Chief Financial Officer and Corporate Secretary
(Principal Financial and Accounting Officer)

 

24

 

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