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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{
"benefit_obligation": 48649000000,
"plan_assets": 40516000000,
"funded_ratio": 0.8328,
"deficit": -8133000000,
"deficit_vs_equity": 0.2968,
"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/40545/000004054526000008/0000040545-26-000008-index.htm",
"form": "10-K",
"filed": "2026-01-29"
}
}{
"f_score": 2.109,
"probability": 0.0078,
"components": {
"rsst": 0.0013,
"drec": null,
"dinv": 0.0166,
"soft": 1,
"dcs": 0.1848,
"droa": 0.0136,
"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/40545/000004054526000008/0000040545-26-000008-index.htm",
"form": "10-K",
"filed": "2026-01-29"
}
}{
"etr_by_year": {
"2025-12-31": 0.1405,
"2024-12-31": 0.1262,
"2023-12-31": 0.0952
},
"statutory_rate": 0.21,
"gap_by_year": {
"2025-12-31": 0.0695,
"2024-12-31": 0.0838,
"2023-12-31": 0.1148
},
"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/40545/000004054526000008/0000040545-26-000008-index.htm",
"form": "10-K",
"filed": "2026-01-29"
}
}{
"m_score": -2.294,
"threshold": -1.78,
"ratios": {
"DSRI": 1,
"GMI": 1,
"AQI": 0.991,
"SGI": 1.185,
"DEPI": 1,
"SGAI": 0.778,
"LVGI": 1.048,
"TATA": 0
},
"defaulted_to_neutral": [
"DSRI",
"GMI",
"DEPI"
],
"sloan_accruals": 0.0013,
"inputs": {
"revenue_t": 45855000000,
"revenue_t1": 38702000000,
"total_assets_t": 130169000000,
"net_income_t": 8704000000,
"cfo_t": 8537000000
},
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/40545/000004054526000008/0000040545-26-000008-index.htm",
"form": "10-K",
"filed": "2026-01-29"
}
}{
"icr_by_year": {
"2012-12-31": 1.83,
"2011-12-31": 1.422,
"2010-12-31": 1.11,
"2009-12-31": 0.882
},
"consecutive_years_below_1": 0,
"altman_z_double_prime": 1.142,
"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": 22887000000,
"interest_expense_t": 12508000000
},
"stale": true,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/40545/000004054517000010/0000040545-17-000010-index.htm",
"form": "10-K",
"filed": "2017-02-24"
}
}