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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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Ranked against 18 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-09-30.
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| NUTX | $1.4B | 20.1× | 4.4× | 1.6× | 82.4% | 50.8% | 8.1% | 21.5% | 19.0% | -0.5× | 22 |
| LQDT | $1.4B | 52.1× | 31.2× | 3.0× | 31.2% | 43.8% | 5.9% | 13.8% | 13.8% | 0.0× | 51 |
| RSKD | $1.2B | — | — | 3.4× | 5.2% | 51.7% | -8.0% | -9.4% | -9.4% | — | 9 |
| AHG | $1.1B | 126.0× | — | 78.0× | -6.4% | -0.1% | -135% | -10.3% | -10.3% | — | — |
| QNST | $981M | 12.2× | 23.8× | 0.8× | 18.3% | 11.3% | 6.3% | 25.1% | 20.7% | -1.5× | 41 |
| PAYS | $810M | 110.3× | 50.8× | 9.9× | 40.5% | 59.4% | 9.2% | 15.6% | 13.4% | -0.8× | 23 |
| PHR | $778M | 313.3× | 28.8× | 1.6× | 14.5% | — | 0.5% | 0.7% | 0.7% | -2.5× | 31 |
| MAX | $749M | 36.2× | 38.2× | 0.7× | 28.8% | 15.0% | 2.3% | 616% | 16.3% | 4.8× | 22 |
| CASS | $674M | 20.2× | — | 3.5× | 5.3% | — | 18.4% | 14.5% | 14.5% | — | 41 |
| PRTH | $647M | 11.5× | 7.9× | 0.7× | 8.3% | — | 5.8% | -55.5% | 5.9% | 4.7× | 20 |
| RMNI | $372M | 10.2× | 5.0× | 0.9× | -1.7% | 60.4% | 8.8% | -137% | 92.4% | -0.8× | 16 |
| FVRR | $302M | 15.0× | 13.1× | 0.7× | 10.1% | 81.6% | 4.9% | 5.1% | 5.1% | -9.3× | 23 |
| PSFE | $291M | — | 7.6× | 0.2× | -0.2% | 56.4% | -10.7% | -27.9% | -5.6% | 6.8× | — |
| IMXI | $277M | 8.5× | 4.2× | 0.5× | -7.7% | — | 5.4% | 20.3% | 9.2% | 0.4× | 22 |
| CNDT | $240M | — | — | 0.1× | -9.4% | 18.1% | -5.6% | -24.8% | -12.4% | — | 29 |
| ALIT | $236M | — | — | 0.1× | -3.0% | 33.8% | -137% | -297% | -102% | — | — |
| DHX | $196M | — | 77.8× | 1.5× | -9.9% | 84.7% | -10.6% | -14.3% | -10.9% | 9.4× | 7 |
| OPRX | $176M | 34.7× | 15.2× | 1.6× | 18.8% | 67.3% | 4.7% | 4.0% | 3.3% | 0.2× | 11 |
| INVU | $30M | — | — | 0.8× | -30.8% | — | -24.6% | -99.9% | -99.9% | — | — |
Peers = companies sharing INVU's sector (Services-Business Services, NEC) 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.
What the company returns to shareholders — and whether it's covered by cash.
Free-cash-flow coverage unavailable. Last year: $662K dividends + $0 buybacks = $662K returned on -$4.2M FCF.
5 consecutive years of dividend increases · 155%/yr.
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 reinvestment story — most cash went back into growth rather than to shareholders.
Operating income fell despite reinvestment — a warning on capital productivity. Current ROIC on all capital: -100%. 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.
EOD close · as of 2026-10-29
How a revenue dollar becomes profit — FY2026
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 | FY2026 | FY2025 | FY2024 | FY2023 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $36.3M 100.0% | $52.4M 100.0% | $67.9M 100.0% | $61.8M 100.0% | $38.3M 100.0% | $24.2M 100.0% | $29.7M 100.0% | $17.9M 100.0% | $12.9M 100.0% | $354K 100.0% |
| Cost of Revenue | — | — | — | — | — | $2.5M 10.4% | $1.2M 4.0% | $6.7M 37.5% | $863K 6.7% | $43K 12.3% |
| Selling, General & Admin | $9.6M 26.4% | $8.0M 15.3% | $560K 0.8% | $59K 0.1% | $891K 2.3% | $1.7M 7.0% | $879K 3.0% | $454K 2.5% | $1.2M 9.3% | $2.0M 558.1% |
| Total Operating Expenses | $44.5M 122.8% | $50.7M 96.8% | $63.3M 93.2% | $70.5M 113.9% | $37.6M 98.4% | $37.5M 155.1% | $33.6M 113.3% | $28.6M 159.6% | $14.8M 115.1% | $2.0M 570.4% |
| Operating Income | -$8.3M -22.8% | $1.7M 3.2% | $4.6M 6.8% | -$8.6M -13.9% | $625K 1.6% | -$13.3M -55.1% | -$3.9M -13.3% | -$10.7M -59.6% | -$1.9M -15.1% | -$1.7M -470.4% |
| Interest Expense | — | — | — | — | $30K 0.1% | $30K 0.1% | $51K 0.2% | $75K 0.4% | $205K 1.6% | -$660K -186.6% |
| Other Income (Expense), net | -$707K -2.0% | $391K 0.7% | $405K 0.6% | -$4.0M -6.5% | -$59K -0.2% | -$8.0M -32.9% | -$966K -3.3% | -$4.2M -23.5% | -$486K -3.8% | — |
| Pretax Income | -$9.0M -24.7% | $2.1M 4.0% | $5.0M 7.4% | -$12.6M -20.4% | $566K 1.5% | -$21.3M -88.0% | -$4.9M -16.5% | -$14.9M -83.1% | — | — |
| Income Tax Expense | -$59K -0.2% | $895K 1.7% | $2.2M 3.2% | $327K 0.5% | $150K 0.4% | $7K 0.0% | $71K 0.2% | -$25K -0.1% | $4K 0.0% | — |
| Net Income | -$8.9M -24.6% | $1.2M 2.3% | $2.8M 4.2% | -$12.9M -20.9% | $566K 1.5% | -$21.3M -88.0% | -$5.0M -16.9% | -$14.9M -83.2% | -$2.4M -18.9% | -$2.1M -594.6% |
| Per Share | ||||||||||
| EPS (Basic) | -$0.01 | $0.00 | $0.00 | -$0.01 | $0.00 | — | — | — | — | — |
| EPS (Diluted) | -$0.01 | $0.00 | $0.00 | -$0.01 | $0.00 | — | — | — | — | — |
| Weighted Avg Shares (Basic) | 1.85B | 1.91B | 2.56B | 2.68B | — | — | — | — | — | 14.6M |
| Weighted Avg Shares (Diluted) | 1.85B | 2.94B | 3.60B | 2.68B | 3.14B | — | — | — | — | 19.1M |
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.
Solve the discounted cash flow backwards, then stress-test the assumptions.
Average free cash flow across the last 2 positive fiscal years (FY2024, FY2025). Smooths the cycle. Stock compensation is NOT charged — it is added back inside operating cash flow.
To be worth $0.02 today, the market must believe free cash flow compounds -26.0%/yr for a decade (off $8.5M on the 3-yr avg basis).
On the basis ($7.1M) the requirement is -22.7%/yr. Shares issued to employees are added back in operating cash flow, so this basis treats them as free.
Default is 9.0% — this company's computed cost of capital (computed WACC), the same rate the Analysis tab discounts at.
2-stage DCF · 1.84B shares (market data) · net debt -$10.0M
Today's price is outside this grid at every discount rate shown — the assumptions it requires lie beyond the plotted range, which is itself the finding.
mean -31.5% · volatility σ 282% · implied rate exceeded in 1/3 yrs
Central path = implied -26.0%/yr growth; shaded band = ±1σ (282%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Cash of $10.0M (at 2025-12-31) covers all $2.7M of scheduled principal — no refinancing pressure. Scheduled principal only (excludes interest & revolver draws). As of 2013-06-30 (10-Q). The cash figure is from 2025-12-31, so the two are not the same balance-sheet date — the schedule has not been refiled since.
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest is easily covered by operating profit. Interest last disclosed in FY2021 (no longer broken out).
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. Maturity ladder from the SEC long-term-debt repayment schedule. Educational — not a recommendation.
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.
EOD close · as of 2026-10-29
Where each multiple sits in its own 14-yr range · 44th pct blended
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?
FY2026 · every deduction from revenue to net income
DuPont — the three levers
ROE -100% against ROIC -100% — 0% of the return on equity comes from leverage and buybacks rather than from the operating business.
Equity is the year-end figure. On average equity over the two year-ends, ROE is -68.2% — the two diverge when buybacks or issuance move equity during the year.
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
High operating leverage: profit moved 19.1× as fast as sales — great in an upturn, painful in a downturn.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2023 | FY2024 | FY2025 | FY2026 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 37.5 | 4.0 | 10.4 | — | — | — | — | — |
| SG&A | 2.5 | 3.0 | 7.0 | 2.3 | 0.1 | 0.8 | 15.3 | 26.4 |
| Operating Income | -59.6 | -13.3 | -55.1 | 1.6 | -13.9 | 6.8 | 3.2 | -22.8 |
| Income Tax | -0.1 | 0.2 | 0.0 | 0.4 | 0.5 | 3.2 | 1.7 | -0.2 |
| Net Income | -83.2 | -16.9 | -88.0 | 1.5 | -20.9 | 4.2 | 2.3 | -24.6 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on INVU: price, valuation and headline fundamentals from SEC filings. The four questions at the top of the page are where the judgements live.
Earns -487.9pts against its cost of capital — capital is being consumed, not created.
| Fiscal year | Gross margin | Operating margin | Net margin |
|---|---|---|---|
| FY2016 | 87.7% | -470.4% | -594.6% |
| FY2017 | 93.3% | -15.1% | -18.9% |
| FY2018 | 62.5% | -59.6% | -83.2% |
| FY2019 | 96.0% | -13.3% | -16.9% |
| FY2020 | 89.6% | -55.1% | -88.0% |
| FY2021 | not reported | 1.6% | 1.5% |
| FY2023 | not reported | -13.9% | -20.9% |
| FY2024 | not reported | 6.8% | 4.2% |
| FY2025 | not reported | 3.2% | 2.3% |
| FY2026 | not reported | -22.8% | -24.6% |
Return on equity (-100%) and return on invested capital (-100%) are within a couple of points in FY2026, so the headline return is the operating return — there is no meaningful leverage effect to strip out.
$873,701 of goodwill — 72% of invested capital. The gap is what was paid above the fair value of what was bought; it is real capital shareholders provided, so neither bar is the whole answer. With goodwill over half the base, the ex-goodwill figure divides by a small remainder and moves sharply — read it as a direction, not a precise rate.
Margins have compressed 2 years running even as the spread stayed positive.
Converts 6.53x of reported profit into free cash flow over 3 years, with accruals negative.
Capex has been below depreciation for 3 consecutive years (1.04x on average over the last 5). Spending less than the asset base is consuming flatters free cash flow now and defers the cost — though depreciation also covers amortisation of acquired intangibles, which capex is not meant to replace.
Missing from our data, so excluded from this answer: share_based_compensation.
Debt is present but there is no positive EBITDA or no reported interest expense, so coverage cannot be measured.
This schedule comes from a filing dated 2013-06-30, 4871 days old. Maturities are shown relative to that date, not to today.
Ladder as of 2013-06-30 (10-Q); cash from the 2025-12-31 balance sheet; FCF from FY2026. Free cash flow is negative, so projected resources fall rather than accumulate.
Balance sheet at 2025-12-31. Undrawn revolving credit is not shown: the tag is collected but not yet mapped through to the API.
No material counter-signal in the checked set: net debt / EBITDA, interest coverage, stressed coverage, maturity schedule vs cash and one year of FCF, liquidity ratios.
Missing from our data, so excluded from this answer: ebitda, interest_expense.
At $0.02, free cash flow must compound -25.94%/yr for 10 years. It has no positive compounding record to compare against, though across a reporting-basis change.
| Fiscal year | FCF growth | Price requires |
|---|---|---|
| FY2023 | −249.4% | −25.9% |
| FY2025 | 286.4% | −25.9% |
| FY2026 | −131.3% | −25.9% |
The percentile ranks the FISCAL-YEAR point, because the distribution behind each strip is built from fiscal-year closes — ranking a TTM figure inside it would compare two different bases. TTM basis: TTM.
The achieved growth rate spans a reporting-basis change in FY2020, so part of it measures the restatement rather than the business.
| Step | Amount | Running total |
|---|---|---|
| Net income | −$9M | −$9M |
| Share-based comp | not reported | not reported |
| Other non-cash & working capital | $5M | −$4M |
| Operating cash flow | −$4M | −$4M |
| Capex | −$544,560 | −$4M |
| Free cash flow | −$4M | −$4M |
| Fiscal year | Revenue growth | Receivables growth | Gap |
|---|---|---|---|
| FY2020 | -18.5% | not reported | not reported |
| FY2021 | 58.3% | not reported | not reported |
| FY2023 | 61.6% | not reported | not reported |
| FY2024 | 9.8% | -35.5% | -45.3 points |
| FY2025 | -22.9% | 406.9% | 429.8 points |
| FY2026 | -30.8% | -77.5% | -46.7 points |
| Fiscal year | DSO | DIO | DPO | Cash conversion cycle |
|---|---|---|---|---|
| FY2019 | not reported | not reported | 930.2 days | not reported |
| FY2020 | not reported | not reported | 421.6 days | not reported |
| FY2021 | not reported | not reported | not reported | not reported |
| FY2023 | 4.6 days | not reported | not reported | not reported |
| FY2024 | 2.7 days | not reported | not reported | not reported |
| FY2025 | 17.7 days | not reported | not reported | not reported |
| FY2026 | 5.7 days | not reported | not reported | not reported |
| Fiscal year | Accruals / assets |
|---|---|
| FY2019 | -18.0 percent |
| FY2020 | -249.1 percent |
| FY2021 | -32.3 percent |
| FY2023 | -62.7 percent |
| FY2024 | -9.6 percent |
| FY2025 | -40.6 percent |
| FY2026 | -24.3 percent |
Below the line, the asset base is being consumed faster than it is replaced.
Below the line for 3 consecutive years to the latest.
Depreciation here includes amortisation of acquired intangibles — goodwill written down over time, customer lists, acquired technology. Capex does not replace those and is not meant to, so an acquisitive or asset-light company sits below 1.0 permanently and correctly. The signal is cleanest for capital-intensive businesses, where the two measure the same physical base. For that reason this informs the earnings-quality verdict but never caps it.