Welcome to our dedicated page for Kindcard SEC filings (Ticker: KCRD), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.
This page provides access to U.S. Securities and Exchange Commission filings for Kindcard, Inc. (OTC Markets: KCRD), a FinTech and PayTech company that focuses on alternative and closed-loop payment solutions through subsidiaries such as Deb, Inc. and Tendercard, Inc. Kindcard states that it is subject to the information and reporting requirements of the Securities Exchange Act of 1934 and files periodic reports, documents and other information with the SEC relating to its business, financial statements and other matters.
For Kindcard, key filings include annual reports on Form 10-K and quarterly reports on Form 10-Q, which contain details about its operations in alternative payments, the Pay with Deb wallet, its focus on mid to high-risk merchants and its activities in the gift card market via Tendercard. These reports can help readers understand how the company describes its business model, risk factors and financial condition over time.
The filings list may also include Notifications of Late Filing on Form 12b-25 (NT 10-Q). In recent NT 10-Q filings, Kindcard has explained that it was unable, without unreasonable effort or expense, to timely compile all information for the financial statements and related disclosures required in certain quarterly reports on Form 10-Q, and has indicated that it expects to file those reports within the time period permitted under Rule 12b-25.
On Stock Titan, Kindcard’s SEC filings are supplemented with AI-powered summaries designed to highlight the main points of lengthy documents. Readers can quickly see the core topics in 10-K and 10-Q reports, as well as track other forms that may appear, such as proxy materials or beneficial ownership disclosures. Real-time updates from the SEC’s EDGAR system ensure that new Kindcard filings are added as they become available, while AI-generated insights help users navigate complex regulatory language and focus on the sections most relevant to their interests.
Kindcard, Inc. reports another quarterly loss and continued financial strain for the quarter ended October 31, 2025. Revenue was $97,711 for the quarter and $274,232 for the nine months, down from the prior-year periods, mainly due to weaker Cash Pickup activity. Gross profit for nine months was $201,659 against operating expenses of $480,084, leading to a net loss of $278,425.
The balance sheet is highly leveraged: total assets were $47,046 versus total liabilities of $1,242,944, and cash was only $9,698. Kindcard reports a working capital deficit of $1,050,289 and an accumulated deficit of $1,700,559, and its auditor notes “substantial doubt” about its ability to continue as a going concern. Operations are being supported by related-party loans and notes payable.
The company issued 5,160,799 shares for services, bringing common shares outstanding to 103,330,799, and it terminated a prior advisory agreement with no shares issued. Management also concluded that disclosure controls and procedures were not effective due to material weaknesses in internal control over financial reporting.
Kindcard, Inc. (KCRD) shows limited quarterly disclosures highlighting capital structure, related-party debt and accrued liabilities. The filing reports between 98,170,000 and 103,330,799 shares issued and outstanding. Accounts receivable net balances were $19,764 at July 31, 2025 and $17,728 at January 31, 2025, with small allowances of $597 and $179 respectively. The company discloses multiple loans from RMR, an entity owned and controlled by the CEO, including a convertible note of approximately $296,498 convertible at $0.01 per share and accrued interest of $3,055 (totaling ~$299,553 as of July 31, 2025). Other related-party balances include a loan extended with accrued interest totaling $27,961 and a separate loan with a remaining balance of $17,042. The filing states consolidated financials do not include adjustments that might result from uncertainty about asset recoverability or liability classification. The company has issued small amounts of restricted stock for consulting and recorded consulting expense of $295 for issued shares. Overall, the disclosure emphasizes related-party funding, potential dilution from convertible debt, accrued taxes and fees, and uncertainty around asset/liability classification.