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Insufficient data to determine institutional momentum.
Data as of Q1 2026
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Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
4/6 of the 9 checks — 3 couldn't be scored (see above), so the score is out of the 6 with data.
Insufficient balance-sheet detail (needs retained earnings, working capital, equity).
Needs granular two-year detail (receivables, PP&E, D&A, SG&A) — not fully reported.
Cash-conversion data unavailable. Lower/negative accruals = higher quality (Sloan).
Coverage data unavailable.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
The dividend takes 94% of free cash flow — sustainable but with limited headroom. Last year: $2M dividends + $521000 buybacks = $3M returned on $2M 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.
How management deployed cash over 10 years — and what it earned on reinvestment.
A balanced mix of reinvestment and shareholder returns.
Insufficient data. Current ROIC on all capital: -6%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest expense isn't separately reported — often netted into “other income (expense), net.” Effective rate ~26.8% on $615M of debt. Interest last disclosed in FY2023 (no longer broken out).
Cash vs short-term debt unavailable.
Mostly long-term debt (balance-sheet current vs non-current split). A year-by-year maturity schedule wasn't disclosed for this issuer.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | — | — | $11.5M 100.0% | $5.7M 100.0% | $7.8M 100.0% | — |
| Interest Expense | — | — | $164.5M | $59.8M | $47.3M | $72.3M | $84.4M 731.7% | $53.2M 930.4% | $30.7M 392.0% | $19.2M |
| Interest & Investment Income | $22.7M | $27.5M | $26.4M | $3.8M | $1.4M | $3.4M | $8.8M 76.1% | $2.9M 51.5% | $1.4M 18.0% | $663K |
| Pretax Income | -$50.9M | $27.5M | $4.9M | $40.1M | $56.6M | $33.9M | $27.2M 235.3% | $24.0M 418.9% | $22.9M 292.6% | $18.0M |
| Income Tax Expense | -$15.7M | $2.3M | -$3.5M | $4.6M | $8.5M | $4.4M | $1.9M 16.6% | $2.1M 35.9% | $7.7M 98.3% | $5.9M |
| Net Income | -$35.2M | $25.3M | $8.4M | $35.5M | $48.1M | $29.5M | $25.2M 218.7% | $21.9M 383.0% | $15.2M 194.3% | $12.1M |
| Per Share | ||||||||||
| EPS (Basic) | $-4.03 | $2.91 | $0.95 | $3.73 | $4.85 | $2.99 | $2.51 | $2.31 | $2.14 | $2.32 |
| EPS (Diluted) | $-4.03 | $2.88 | $0.95 | $3.70 | $4.82 | $2.99 | $2.51 | $2.30 | $2.13 | $2.30 |
| Weighted Avg Shares (Basic) | 8.7M | 8.7M | 8.8M | 9.5M | 9.9M | 9.8M | 10.0M | 9.5M | 7.1M | 5.2M |
| Weighted Avg Shares (Diluted) | 8.7M | 8.8M | 8.9M | 9.6M | 10.0M | 9.8M | 10.0M | 9.5M | 7.1M | 5.2M |
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.
No current price collected.
No standout strengths flagged.
Where each multiple sits in its own 14-yr range
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-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
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
Operating leverage needs meaningful revenue change.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Income Tax | 35.9 | 16.6 | — | — | — | — | — | — |
| Net Income | 383.0 | 218.7 | — | — | — | — | — | — |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on INBK: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Total shares institutions bought (green) vs sold (red) each quarter across all holders.
Inferred from quarter-over-quarter change in each fund's 13F position (new stakes count as buys, exits as sells). Not tick-level trades.
No trend data available for this metric.
Top 40 institutional holders — bubble size is position value, color is the move since last quarter. Hover any holder for detail.
Drag any bubble to rearrange · size = dollar value of the position
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.