CIK 1012704

DRIVETIME AUTOMOTIVE GROUP INC

CIK 0001012704 · EDGAR ↗

cleanelevatedtriggeredno dataplanned

83.2

composite · 3 signals · TRIGGERED

Every card below shows the score and the exact filing data it was computed from — no unexplained numbers. Some signals (P-02, P-03, P-08, P-09, P-10, P-11) pull live documents from SEC EDGAR the first time you view this company; a few of those (P-03, P-10, P-11) use AI to read the filing text, but every AI claim must quote the actual document verbatim or it's discarded — never a guess.

Chat with this filing →

Ask follow-up questions about the latest 10-K, with citations verified against the actual text. No account needed.

Investigation memo — generate one →

Run the bounded investigation agent — reads this company's signals and writes a short, cited summary.

Signals

P-05 · FY 2013-12-31 · TRIGGERED100.0

Tax arbitrage

ETR 4.8% vs 21% statutory — gap persistent across 3 of 3 years

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2014-03-25) ↗

Evidence — inputs and thresholds

{
  "etr_by_year": {
    "2013-12-31": 0.0483,
    "2012-12-31": 0.0191,
    "2011-12-31": 0.0135
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2013-12-31": 0.1617,
    "2012-12-31": 0.1909,
    "2011-12-31": 0.1965
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": false,
  "latest_filing_period": "2013-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1012704/000144530514001134/0001445305-14-001134-index.htm",
    "form": "10-K",
    "filed": "2014-03-25"
  }
}

P-01 · FY 2013-12-31 · ELEVATED48.9

Earnings quality

Beneish M-Score -1.95 in the elevated zone

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2014-03-25) ↗

Evidence — inputs and thresholds

{
  "m_score": -1.953,
  "threshold": -1.78,
  "ratios": {
    "DSRI": 1,
    "GMI": 1.05,
    "AQI": 1.002,
    "SGI": 1.147,
    "DEPI": 0.899,
    "SGAI": 1,
    "LVGI": 1.092,
    "TATA": 0.088
  },
  "defaulted_to_neutral": [
    "DSRI",
    "SGAI"
  ],
  "sloan_accruals": 0.0939,
  "inputs": {
    "revenue_t": 1400896000,
    "revenue_t1": 1221064000,
    "total_assets_t": 2326054000,
    "net_income_t": 30308000,
    "cfo_t": -172254000
  },
  "stale": false,
  "latest_filing_period": "2013-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1012704/000144530514001134/0001445305-14-001134-index.htm",
    "form": "10-K",
    "filed": "2014-03-25"
  }
}

P-12 · FY 2013-12-31 · CLEAN24.9

Restatement predictor

F-Score 0.75 — at or below the population base rate

trend: flat

Trend

Source: 10-K on SEC.gov (filed 2014-03-25) ↗

Evidence — inputs and thresholds

{
  "f_score": 0.748,
  "probability": 0.00277,
  "components": {
    "rsst": 0.0939,
    "drec": null,
    "dinv": 0.0226,
    "soft": 0.9422,
    "dcs": 0.1473,
    "droa": -0.0168,
    "issue": 0
  },
  "model": "Dechow et al. 2011, Model 1 (simplified RSST)",
  "thresholds": {
    "elevated": 1,
    "triggered": 1.85
  },
  "stale": false,
  "latest_filing_period": "2013-12-31",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1012704/000144530514001134/0001445305-14-001134-index.htm",
    "form": "10-K",
    "filed": "2014-03-25"
  }
}