Here are the 10-K annual reports from Kindcard Inc (KCRD) in our archive since June 2025, newest first, and each one links through to the document itself with the summary and the scores our analysis gives it.
A 10-K covers the audited annual report, with the full financial statements, so if you follow KCRD and want that one kind of document rather than the whole filing history, this is the page to keep. The company's other filings, of every form, are on the full KCRD filings page.
Kindcard, Inc. is a small fintech/payments company focused on its Pay with Deb closed-loop wallet and Tendercard gift/loyalty platform. For the year ended January 31, 2026, it generated $365,708 in revenue, down from $410,869 the prior year, mainly from gift card program and commission income.
Operating expenses were $591,205, leading to a loss from operations of $210,436 versus a $252,221 loss a year earlier. After other income, the company still reported a net loss of $210,436. Cash was only $9,160 at year-end, with a working capital deficit of $969,168 and an accumulated deficit of $1,632,570.
The auditor and management note substantial doubt about Kindcard’s ability to continue as a going concern. The business is funded largely through loans and advances, including related-party financing from the CEO. Common stock outstanding was 103,580,799 shares as of May 18, 2026, and the stock is not quoted on any trading platform.