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No institutional (13F) filings cover this company, so the Overview and 13F tabs are thin. Everything drawn from its SEC filings is here.
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Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.
A reverse discounted cash flow is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet. Equity is negative, so debt/equity and ROE invert their signs and read as the opposite of what they mean.
Classified from the filings: SIC code.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $0 buybacks = $0 returned on -$422K FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
EOD close · as of 2026-10-20
How a revenue dollar becomes profit — FY2025
Dividends and buybacks are cash paid out, shown here against the same year's profit for scale — not funded from it.
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2020 | FY2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $262 100.0% | $36K 100.0% | $81K 100.0% | $208 100.0% | — | — | $0 | — |
| Cost of Revenue | — | $2K 4.2% | $33K 40.2% | — | — | — | — | — |
| Gross Profit | $262 100.0% | $34K 95.8% | $49K 59.8% | $208 100.0% | — | — | — | — |
| Research & Development | — | — | $247K 304.5% | $47K 22436.1% | — | — | — | — |
| Selling, General & Admin | $647K 246858.4% | $719K 2016.1% | $2.4M 2896.3% | $2.4M 1176806.7% | — | — | $647 | — |
| Total Operating Expenses | $8.0M 3051034.0% | $739K 2070.2% | $2.6M 3200.8% | $2.5M 1199242.8% | — | — | $647 | — |
| Operating Income | -$8.0M -3050934.0% | -$704K -1974.5% | -$2.5M -3141.0% | -$2.5M -1199142.8% | — | — | — | — |
| Interest Expense | $38K 14551.9% | $34K 95.4% | $978 1.2% | $10K 5001.4% | $15K | — | $14K | — |
| Interest & Investment Income | — | — | — | — | — | — | $2K | — |
| Other Income (Expense), net | -$92K -35163.0% | -$74K -206.8% | -$4.9M -6006.6% | -$62K -30046.6% | — | — | -$12K | — |
| Pretax Income | -$8.1M -3086096.9% | -$778K -2181.3% | — | — | — | — | — | — |
| Net Income | -$8.1M -3086096.9% | -$778K -2181.3% | -$7.4M -9147.6% | -$2.6M -1229189.4% | -$13K | -$165K | -$12K | -$179K |
| Per Share | ||||||||
| EPS (Basic) | -$0.04 | -$0.02 | -$0.19 | -$0.02 | — | — | — | — |
| EPS (Diluted) | -$0.04 | -$0.02 | -$0.19 | -$0.02 | — | — | — | — |
| Weighted Avg Shares (Basic) | 227.0M | 41.6M | 39.4M | 141.4M | — | — | — | — |
| Weighted Avg Shares (Diluted) | 227.0M | 41.6M | 39.4M | 141.4M | — | — | — | — |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
EOD close · as of 2026-10-20
Where each multiple sits in its own 4-yr range · 75th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 4-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
ROE 4072% against ROIC 4072% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
What the company owes vs. what it holds
This shows debt/cash structure and net leverage. The year-by-year maturity schedule is on the Debt & Leverage tab.
Latest year: profit growth vs revenue growth
Profit and sales moved in opposite directions this year.
Each line as % of revenue — the trend in color
| % of revenue | FY2019 | FY2020 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | — | — | — | — | — | 40.2 | 4.2 | — |
| Gross Profit | — | — | — | — | 100.0 | 59.8 | 95.8 | 100.0 |
| R&D | — | — | — | — | 22436.1 | 304.5 | — | — |
| SG&A | — | — | — | — | 1176806.7 | 2896.3 | 2016.1 | 246858.4 |
| Operating Income | — | — | — | — | -1199142.8 | -3141.0 | -1974.5 | -3050934.0 |
| Net Income | — | — | — | — | -1229189.4 | -9147.6 | -2181.3 | -3086096.9 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on CRSF: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Leverage ratios is not shown for a bank.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet. Equity is negative, so debt/equity and ROE invert their signs and read as the opposite of what they mean.
Classified from the filings: SIC code.
How much the company owes, how it's trended, and how comfortably it's serviced.
Thin coverage — earnings barely cover interest.
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
Ranked against 33 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-06-30.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| AXP | $218.5B | 21.0× | — | 5.3× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,932 |
| COIN | $46.7B | 39.8× | 25.8× | 6.5× | 9.4% | — | 17.6% | 8.5% | 5.9% | -3.0× | 1,102 |
| BMNP | $22.7B | 7.3× | 49.8× | — | 84.1% | 5.1% | — | 4.0% | 4.0% | -1.1× | — |
| SOFI | $19.2B | 38.2× | — | 31.1× | 23.1% | 1.7% | 77.7% | 4.6% | 3.9% | — | 916 |
| CHYM | $11.5B | — | — | 5.3× | 30.7% | 88.0% | -46.2% | -72.1% | -72.1% | — | 272 |
| HUT | $8.8B | — | — | 37.5× | 44.8% | 54.2% | -96.2% | -15.9% | -15.9% | — | 417 |
| WULF | $6.4B | — | — | 37.8× | 20.3% | 39.2% | -393% | -471% | -20.4% | — | 493 |
| DAVE | $4.8B | 27.9× | 24.4× | 8.7× | 59.7% | — | 35.3% | 55.5% | 55.5% | -0.4× | 336 |
| CIFR | $3.8B | — | — | 16.9× | 48.0% | 63.7% | -367% | -102% | -23.1% | — | 462 |
| GPGI | $3.7B | — | — | 62.6× | -85.8% | 48.1% | -227% | -55.9% | -55.9% | — | 192 |
| UPST | $2.3B | 52.6× | 51.6× | 2.2× | 64.0% | — | 5.1% | 6.7% | 2.0% | 17.4× | 366 |
| CLSK | $2.2B | — | 4.3× | 2.9× | 102% | 55.2% | 47.6% | 16.8% | 12.9% | 0.9× | 411 |
| WLTH | $1.7B | — | — | 4.7× | 18.2% | 89.6% | -11.5% | -6.8% | -6.8% | — | 137 |
| PGY | $1.6B | 20.5× | 4.6× | 1.2× | 26.1% | 42.4% | 6.3% | 17.0% | 17.0% | -0.8× | — |
| KEEL | $1.5B | — | — | 6.5× | 72.0% | -8.2% | -124% | -50.8% | -23.1% | — | — |
| WD | $1.1B | 20.1× | — | 0.9× | 9.0% | — | 4.6% | 3.2% | 3.2% | — | 259 |
| PWP | $964M | 26.5× | 11.6× | 1.3× | -14.5% | — | 4.7% | -27.9% | -27.9% | -4.2× | 161 |
| RHLD | $901M | — | 6.1× | 1.9× | 9.9% | 56.3% | -1.3% | -91.1% | -3.1% | 0.1× | 120 |
| BUR | $670M | 10.9× | — | 1.6× | -24.3% | — | 15.1% | 2.6% | 1.4% | — | 237 |
| QFIN | $663M | 1.7× | — | 0.2× | 16.8% | 84.4% | 31.1% | 24.8% | 24.8% | -0.7× | 156 |
| ABTC | $629M | — | — | 3.4× | 159% | 50.3% | -82.7% | -23.0% | -23.0% | — | 126 |
| FWDI | $576M | — | — | 31.7× | -9.0% | 28.5% | -918% | -11.4% | -11.4% | — | 3 |
| HKD | $556M | 4.0× | 72.7× | 4.1× | 566% | — | 71.3% | 36.8% | 18.5% | — | 17 |
| WYFI | $453M | — | — | 5.7× | 66.2% | 60.2% | -31.2% | -5.1% | -4.9% | — | 127 |
| OPRT | $430M | 17.6× | — | 0.5× | -4.5% | — | 2.6% | 6.5% | 6.5% | — | 132 |
| CRSF | $28M | — | — | — | -99.3% | 100% | — | — | — | — | — |
Peers = companies sharing CRSF's sector (Finance Services) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
No positive operating income in the last three years, so there is no return on capital to compare against its cost.
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2022 | 100.0% | not reported | not reported |
| FY2023 | 59.8% | -3141.0% | -9147.6% |
| FY2024 | 95.8% | -1974.5% | -2181.3% |
| FY2025 | 100.0% | not reported | not reported |
No material counter-signal in the checked set: ROIC vs WACC spread, 5-year spread history, gross margin trend, operating margin trend, net margin against 3 years ago, revenue growth, ROIC ex-goodwill gap.
Missing from our data, so excluded from this answer: tax_rate.
Fewer than three profitable years with a cash flow statement, so cash conversion cannot be judged.
No material counter-signal in the checked set: FCF / net income over 3 and 5 years, Sloan accruals, SBC as a share of revenue, SBC as a share of operating cash flow, SBC-adjusted free cash flow, free cash flow per diluted share, buybacks against SBC issued, capex vs depreciation, free cash flow against revenue, share count since the first year on file, cash conversion cycle (DSO, DIO, DPO), receivables growth against revenue growth.
Missing from our data, so excluded from this answer: 3 years of cash flow.
Leverage is not measurable this way for a bank.
Balance sheet at 2025-07-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
Funded by deposits, so debt-weighted leverage and a WACC are not defined. Capital adequacy (CET1, LCR) is the right question and is not collected yet. Equity is negative, so debt/equity and ROE invert their signs and read as the opposite of what they mean.
Missing from our data, so excluded from this answer: capital adequacy metrics for this archetype.
No positive free cash flow to discount, so the price cannot be expressed as a growth requirement.
No material counter-signal in the checked set: reverse-DCF implied growth, historical FCF CAGR, per-year FCF growth distribution, reporting-basis breaks, discount rate used, free-cash-flow basis (stock comp charged?).
Missing from our data, so excluded from this answer: free_cash_flow.