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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{
"benefit_obligation": 525700000,
"plan_assets": 352300000,
"funded_ratio": 0.6702,
"deficit": -173400000,
"deficit_vs_equity": 0.0482,
"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/74260/000007426015000015/0000074260-15-000015-index.htm",
"form": "10-K",
"filed": "2015-03-02"
}
}{
"f_score": 2.017,
"probability": 0.00746,
"components": {
"rsst": -0.0079,
"drec": null,
"dinv": null,
"soft": 0.9912,
"dcs": 0.1099,
"droa": 0.0007,
"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/74260/000007426026000008/0000074260-26-000008-index.htm",
"form": "10-K",
"filed": "2026-02-26"
}
}{
"m_score": -2.418,
"threshold": -1.78,
"ratios": {
"DSRI": 1,
"GMI": 1,
"AQI": 1,
"SGI": 1.11,
"DEPI": 1,
"SGAI": 1,
"LVGI": 1,
"TATA": -0.008
},
"defaulted_to_neutral": [
"DSRI",
"GMI",
"AQI",
"DEPI",
"SGAI",
"LVGI"
],
"sloan_accruals": -0.0079,
"inputs": {
"revenue_t": 9136300000,
"revenue_t1": 8231500000,
"total_assets_t": 29862700000,
"net_income_t": 935400000,
"cfo_t": 1164300000
},
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/74260/000007426026000008/0000074260-26-000008-index.htm",
"form": "10-K",
"filed": "2026-02-26"
}
}{
"etr_by_year": {
"2025-12-31": 0.2045,
"2024-12-31": 0.2028,
"2023-12-31": 0.199
},
"statutory_rate": 0.21,
"gap_by_year": {
"2025-12-31": 0.0055,
"2024-12-31": 0.0072,
"2023-12-31": 0.011
},
"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/74260/000007426026000008/0000074260-26-000008-index.htm",
"form": "10-K",
"filed": "2026-02-26"
}
}