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.
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{
"etr_by_year": {
"2025-10-31": 0.092,
"2024-10-31": 0.1525,
"2023-10-31": 0.0739
},
"statutory_rate": 0.21,
"gap_by_year": {
"2025-10-31": 0.118,
"2024-10-31": 0.0575,
"2023-10-31": 0.1361
},
"note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
"stale": false,
"latest_filing_period": "2025-10-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/1090872/000109087225000087/0001090872-25-000087-index.htm",
"form": "10-K",
"filed": "2025-12-22"
}
}{
"icr_by_year": {
"2025-10-31": 13.205,
"2024-10-31": 15.5,
"2023-10-31": 14.211,
"2022-10-31": 19.262
},
"consecutive_years_below_1": 0,
"altman_z_double_prime": 3.477,
"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": 1479000000,
"interest_expense_t": 112000000
},
"stale": false,
"latest_filing_period": "2025-10-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/1090872/000109087225000087/0001090872-25-000087-index.htm",
"form": "10-K",
"filed": "2025-12-22"
}
}