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.
Ask follow-up questions about the latest 10-K, with citations verified against the actual text. No account needed.
Run the bounded investigation agent — reads this company's signals and writes a short, cited summary.
{
"benefit_obligation": 837000,
"plan_assets": 399000,
"funded_ratio": 0.4767,
"deficit": -438000,
"deficit_vs_equity": 0.0024,
"thresholds": {
"elevated": "<90% funded",
"triggered": "<80% funded or deficit >25% of equity"
},
"stale": true,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/714395/000162828015001617/0001628280-15-001617-index.htm",
"form": "10-K",
"filed": "2015-03-09"
}
}{
"f_score": 2.092,
"probability": 0.00774,
"components": {
"rsst": -0.0064,
"drec": null,
"dinv": null,
"soft": 0.9859,
"dcs": 0.378,
"droa": 0.0001,
"issue": 1
},
"model": "Dechow et al. 2011, Model 1 (simplified RSST)",
"thresholds": {
"elevated": 1,
"triggered": 1.85
},
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/714395/000071439526000011/0000714395-26-000011-index.htm",
"form": "10-K",
"filed": "2026-02-27"
}
}{
"m_score": -2.056,
"threshold": -1.78,
"ratios": {
"DSRI": 1,
"GMI": 1,
"AQI": 1,
"SGI": 1.378,
"DEPI": 1,
"SGAI": 1,
"LVGI": 0.655,
"TATA": -0.006
},
"defaulted_to_neutral": [
"DSRI",
"GMI",
"AQI",
"DEPI",
"SGAI"
],
"sloan_accruals": -0.0064,
"inputs": {
"revenue_t": 487401000,
"revenue_t1": 353703000,
"total_assets_t": 8388780000,
"net_income_t": 112635000,
"cfo_t": 159316000
},
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/714395/000071439526000011/0000714395-26-000011-index.htm",
"form": "10-K",
"filed": "2026-02-27"
}
}{
"etr_by_year": {
"2025-12-31": 0.1959,
"2024-12-31": 0.1949,
"2023-12-31": 0.1713
},
"statutory_rate": 0.21,
"gap_by_year": {
"2025-12-31": 0.0141,
"2024-12-31": 0.0151,
"2023-12-31": 0.0387
},
"note": "Low ETR can be fully legitimate; this flags persistence + magnitude for review.",
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/714395/000071439526000011/0000714395-26-000011-index.htm",
"form": "10-K",
"filed": "2026-02-27"
}
}