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CIK 1490658

CASH STORE FINANCIAL SERVICES INC.
CIK 0001490658 ยท EDGAR โ†—
cleanelevatedtriggeredno dataplanned
32.6
composite ยท 4 signals ยท ELEVATED

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-12 ยท FY 2013-09-30 ยท ELEVATED44.1

Restatement predictor

F-Score 1.32 โ€” misstatement risk 1.3x the base rate
trend: flat
Trend
Source: 20-F on SEC.gov (filed 2013-12-12) โ†—
Evidence โ€” inputs and thresholds
{
  "f_score": 1.322,
  "probability": 0.00489,
  "components": {
    "rsst": -0.1898,
    "drec": null,
    "dinv": null,
    "soft": 0.8561,
    "dcs": 0.0179,
    "droa": -0.0009,
    "issue": 1
  },
  "model": "Dechow et al. 2011, Model 1 (simplified RSST)",
  "thresholds": {
    "elevated": 1,
    "triggered": 1.85
  },
  "stale": false,
  "latest_filing_period": "2013-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1490658/000144530513003173/0001445305-13-003173-index.htm",
    "form": "20-F",
    "filed": "2013-12-12"
  }
}
P-01 ยท FY 2013-09-30 ยท CLEAN1.9

Earnings quality

Beneish M-Score -3.43 โ€” no manipulation profile
trend: flat
Trend
Source: 20-F on SEC.gov (filed 2013-12-12) โ†—
Evidence โ€” inputs and thresholds
{
  "m_score": -3.435,
  "threshold": -1.78,
  "ratios": {
    "DSRI": 1,
    "GMI": 1,
    "AQI": 1.144,
    "SGI": 1.018,
    "DEPI": 0.782,
    "SGAI": 0.851,
    "LVGI": 1.121,
    "TATA": -0.212
  },
  "defaulted_to_neutral": [
    "DSRI",
    "GMI"
  ],
  "sloan_accruals": -0.1898,
  "inputs": {
    "revenue_t": 190765000,
    "revenue_t1": 187412000,
    "total_assets_t": 164585000,
    "net_income_t": -35532000,
    "cfo_t": -698000
  },
  "stale": false,
  "latest_filing_period": "2013-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1490658/000144530513003173/0001445305-13-003173-index.htm",
    "form": "20-F",
    "filed": "2013-12-12"
  }
}
P-05 ยท FY 2011-09-30 ยท CLEAN0.0

Tax arbitrage

[FY2011 data, stale โ€” no more recent pretax-income figure in XBRL] ETR 37.4% โ€” within normal range of statutory
trend: flat
Trend
Source: 20-F on SEC.gov (filed 2013-12-12) โ†—
Evidence โ€” inputs and thresholds
{
  "etr_by_year": {
    "2011-09-30": 0.3736
  },
  "statutory_rate": 0.21,
  "gap_by_year": {
    "2011-09-30": -0.1636
  },
  "note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
  "stale": true,
  "latest_filing_period": "2013-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1490658/000144530513003173/0001445305-13-003173-index.htm",
    "form": "20-F",
    "filed": "2013-12-12"
  }
}
P-13 ยท FY 2013-09-30 ยท CLEAN0.0

Zombie / distress

Interest coverage 1.73x โ€” servicing debt from operations
trend: flat
Trend
Source: 20-F on SEC.gov (filed 2013-12-12) โ†—
Evidence โ€” inputs and thresholds
{
  "icr_by_year": {
    "2013-09-30": 1.73,
    "2012-09-30": 2.102,
    "2011-09-30": 62.106
  },
  "consecutive_years_below_1": 0,
  "altman_z_double_prime": 1.625,
  "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": 32143000,
    "interest_expense_t": 18583000
  },
  "stale": false,
  "latest_filing_period": "2013-09-30",
  "source": {
    "url": "https://www.sec.gov/Archives/edgar/data/1490658/000144530513003173/0001445305-13-003173-index.htm",
    "form": "20-F",
    "filed": "2013-12-12"
  }
}