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CIK 1362180

PSM HOLDINGS INC
CIK 0001362180 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
90.4
composite ยท 3 signals ยท TRIGGERED

Every card below shows the score and the exact filing data it was computed from โ€” 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 โ€” never a guess.

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Signals

P-01 ยท FY 2015-06-30 ยท TRIGGERED100.0

Earnings quality

Beneish M-Score 12.93 exceeds the -1.78 manipulation threshold
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2015-10-13) โ†—
Evidence โ€” inputs and thresholds
{
  "m_score": 12.933,
  "threshold": -1.78,
  "ratios": {
    "DSRI": 16.035,
    "GMI": 1,
    "AQI": 0.638,
    "SGI": 1.401,
    "DEPI": 1.106,
    "SGAI": 0.748,
    "LVGI": 1.181,
    "TATA": 0.293
  },
  "defaulted_to_neutral": [
    "GMI"
  ],
  "sloan_accruals": 0.3475,
  "inputs": {
    "revenue_t": 17561590,
    "revenue_t1": 12538235,
    "total_assets_t": 31438973,
    "net_income_t": -1653761,
    "cfo_t": -10879257
  },
  "stale": false,
  "latest_filing_period": "2015-06-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1362180/000143774915018327/0001437749-15-018327-index.htm",
    "form": "10-K",
    "filed": "2015-10-13"
  }
}
P-13 ยท FY 2015-06-30 ยท TRIGGERED100.0

Zombie / distress

Zombie: interest coverage below 1.0x for 4 consecutive years
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2015-10-13) โ†—
Evidence โ€” inputs and thresholds
{
  "icr_by_year": {
    "2015-06-30": -14.501,
    "2014-06-30": -77.306,
    "2013-06-30": -265.623,
    "2012-06-30": -425.599
  },
  "consecutive_years_below_1": 4,
  "altman_z_double_prime": -2.897,
  "definitions": {
    "zombie": "ICR<1 for 3+ consecutive FYs (BIS 2018)",
    "z_distress": "<1.1 distress, 1.1-2.6 gray, >2.6 safe"
  },
  "inputs": {
    "ebit_t": -1255191,
    "interest_expense_t": 86560
  },
  "stale": false,
  "latest_filing_period": "2015-06-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1362180/000143774915018327/0001437749-15-018327-index.htm",
    "form": "10-K",
    "filed": "2015-10-13"
  }
}
P-12 ยท FY 2015-06-30 ยท CLEAN28.0

Restatement predictor

F-Score 0.84 โ€” at or below the population base rate
trend: flat
Trend
Source: 10-K on SEC.gov (filed 2015-10-13) โ†—
Evidence โ€” inputs and thresholds
{
  "f_score": 0.84,
  "probability": 0.00311,
  "components": {
    "rsst": 0.3475,
    "drec": 0.0355,
    "dinv": null,
    "soft": 0.9626,
    "dcs": 0.3254,
    "droa": 0.2176,
    "issue": 0
  },
  "model": "Dechow et al. 2011, Model 1 (simplified RSST)",
  "thresholds": {
    "elevated": 1,
    "triggered": 1.85
  },
  "stale": false,
  "latest_filing_period": "2015-06-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1362180/000143774915018327/0001437749-15-018327-index.htm",
    "form": "10-K",
    "filed": "2015-10-13"
  }
}