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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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Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $3.75 today, the market must believe free cash flow compounds -12.4%/yr for a decade (off $2M normalized FCF).
2-stage DCF · 0.01B shares · net debt -$10M
mean -149.4% · volatility σ 245% · implied rate exceeded in 1/3 yrs
Central path = implied -12.4%/yr growth; shaded band = ±1σ (245%) 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.
EOD close · as of 2026-09-17
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 | $14.7M 100.0% | $11.5M 100.0% | $11.1M 100.0% | $14.5M 100.0% | $2.4M 100.0% | $0 | — | — | $45.2M 100.0% | $44.6M 100.0% |
| Cost of Revenue | $485K 3.3% | $595K 5.2% | $575K 5.2% | $408K 2.8% | $326K 13.4% | $0 | — | — | $40.3M 89.3% | $36.2M 81.1% |
| Cost of Products | — | — | — | — | — | — | — | — | $40.3M 89.3% | $36.2M 81.1% |
| Gross Profit | $14.3M 96.7% | $10.9M 94.8% | $10.5M 94.8% | $14.1M 97.2% | $2.1M 86.6% | $0 | — | — | $4.8M 10.7% | $8.4M 18.9% |
| Selling, General & Admin | — | $12.6M 109.3% | $13.0M 117.0% | $10.2M 70.7% | $3.3M 135.9% | $1.3M | $1.1M | $1.0M | $823K 1.8% | $14.0M 31.4% |
| Total Operating Expenses | $13.0M 88.0% | $12.6M 109.3% | $13.0M 117.0% | — | $3.3M 135.9% | $1.3M | — | — | — | — |
| Operating Income | — | — | — | — | — | -$1.3M | -$1.1M | -$1.0M | -$823K -1.8% | -$5.6M -12.5% |
| Interest & Investment Income | — | — | — | $111K 0.8% | $15K 0.6% | $608K | $1.0M | $943K | — | — |
| Other Income (Expense), net | -$2.3M -15.9% | $1.4M 12.1% | $1.6M 14.0% | $17K 0.1% | $3.9M 158.4% | $1.4M | — | $125K | $32K 0.1% | $26K 0.1% |
| Pretax Income | -$1.1M -7.3% | -$267K -2.3% | -$908K -8.2% | $3.7M 25.4% | $2.7M 109.2% | $63K | $86K | $369K | -$390K -0.9% | -$4.5M -10.2% |
| Income Tax Expense | -$2.7M -18.6% | -$18K -0.2% | $45K 0.4% | $24K 0.2% | -$102K -4.2% | $0 | -$84K | -$1.2M | -$35K -0.1% | $718K 1.6% |
| Net Income | $1.7M 11.3% | -$249K -2.2% | -$953K -8.6% | $3.7M 25.8% | $2.8M 113.3% | $63K | $170K | -$1.4M | -$7.5M -16.5% | -$5.3M -11.8% |
| Per Share | ||||||||||
| EPS (Basic) | $0.39 | $-0.08 | $-0.29 | $1.31 | $0.97 | $0.00 | — | — | $-0.54 | $-0.37 |
| EPS (Diluted) | $0.39 | $-0.08 | $-0.29 | $1.31 | $0.96 | $0.00 | — | — | $-0.54 | $-0.37 |
| Weighted Avg Shares (Basic) | 3.9M | 2.8M | 2.9M | 2.9M | 2.8M | 2.1M | 14.5M | 14.5M | 14.2M | 14.1M |
| Weighted Avg Shares (Diluted) | 3.9M | 2.8M | 2.9M | 2.9M | 2.9M | 2.1M | 14.9M | 14.6M | 14.2M | 14.1M |
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.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
5/7 of the 9 checks — 2 couldn't be scored (see above), so the score is out of the 7 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.
No dividend to cover. Last year: $0 dividends + $4M buybacks = $4M returned.
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 cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Insufficient data. Current ROIC on all capital: 4%. 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.”
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.
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.
Ranked against 838 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
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 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| JPM | $940.8B | 17.4× | — | 5.2× | 2.8% | — | 31.3% | 15.7% | 13.4% | — | 4,823 |
| V | $692.5B | — | — | 17.3× | 11.3% | — | 50.1% | 52.9% | 31.8% | — | 4,229 |
| MA | $513.8B | 34.4× | — | 15.7× | 16.4% | — | 45.6% | 193% | 56.0% | — | 3,430 |
| BAC | $417.6B | 15.2× | — | 3.7× | 6.8% | — | 27.0% | 10.1% | 4.9% | — | 3,337 |
| GS | $278.1B | 18.3× | — | — | — | — | — | 13.7% | 3.6% | — | 2,857 |
| WFC | $269.2B | 13.9× | — | — | — | — | — | 11.8% | 5.7% | — | 2,691 |
| AXP | $214.3B | 20.3× | — | 5.2× | 6.4% | — | 26.2% | 32.4% | 11.9% | — | 2,787 |
| TYFG | $191.9B | 14.2× | — | 11135.5× | 10.2% | — | 79.3% | 8.7% | 8.7% | — | 1 |
| SCHW | $189.7B | 22.6× | — | 7.9× | 22.0% | — | 37.0% | 17.9% | 17.9% | — | 2,225 |
| HDB | $171.3B | 21.5× | — | 6.7× | 15.2% | — | 30.8% | 8.8% | 4.5% | — | 570 |
| UBS | $168.5B | — | — | — | — | — | — | — | — | — | 660 |
| BLK | $160.8B | 29.4× | — | 6.6× | 89.3% | — | 22.9% | 9.9% | 8.1% | — | 2,196 |
| CB | $133.6B | 13.3× | — | 2.3× | 6.5% | — | 17.4% | 14.0% | 11.3% | — | 2,002 |
| GLD | $132.1B | — | — | — | — | — | — | — | — | — | 3,072 |
| PGR | $127.2B | 11.3× | — | 1.4× | 16.3% | — | 12.9% | 37.3% | 37.3% | — | 1,685 |
| SPGI | $121.5B | 27.8× | 17.4× | 7.9× | 7.9% | 70.2% | 29.2% | 14.4% | 10.1% | 1.7× | 2,005 |
| CME | $98.0B | 24.4× | — | 15.0× | 6.4% | — | 62.5% | 14.2% | 14.2% | — | 1,699 |
| USB | $95.6B | 12.9× | — | 3.3× | 4.4% | — | 26.4% | 11.6% | 9.2% | — | 1,901 |
| HOOD | $92.8B | 50.9× | — | 20.7× | 51.6% | — | 42.1% | 20.6% | 20.6% | — | 1,230 |
| BX | $92.4B | 31.9× | — | 6.4× | 9.2% | — | 20.9% | 34.8% | 14.2% | — | 2,037 |
| PNC | $91.7B | 13.9× | — | 4.0× | 7.2% | — | 30.3% | 11.5% | 5.9% | — | 1,839 |
| AMUB | $88.9B | — | — | — | — | — | — | — | — | — | 7 |
| ICE | $87.4B | 26.7× | 20.7× | 6.9× | 7.5% | — | 26.2% | 11.5% | 6.8% | 3.8× | 1,641 |
| KKR | $86.3B | — | — | 4.4× | -11.0% | — | 12.2% | 7.7% | 7.7% | — | 1,216 |
| MRSH | $85.7B | 21.0× | 15.6× | 3.2× | 10.3% | — | 15.4% | 27.2% | 11.9% | 3.0× | 1,471 |
| STLY | $20M | 10.3× | — | 1.4× | 28.0% | 96.7% | 10.4% | 3.7% | 3.7% | — | — |
Peers = companies sharing STLY's sector (Financial 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.
EOD close · as of 2026-09-17
Where each multiple sits in its own 14-yr range · 12th 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?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Returns are margin-driven, not leverage-driven — higher quality.
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 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | — | — | — | 13.4 | 2.8 | 5.2 | 5.2 | 3.3 |
| Gross Profit | — | — | — | 86.6 | 97.2 | 94.8 | 94.8 | 96.7 |
| SG&A | — | — | — | 135.9 | 70.7 | 117.0 | 109.3 | — |
| Income Tax | — | — | — | -4.2 | 0.2 | 0.4 | -0.2 | -18.6 |
| Net Income | — | — | — | 113.3 | 25.8 | -8.6 | -2.2 | 11.3 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on STLY: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.