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.
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{
"benefit_obligation": 997000000,
"plan_assets": 713000000,
"funded_ratio": 0.7151,
"deficit": -284000000,
"deficit_vs_equity": null,
"thresholds": {
"elevated": "<90% funded",
"triggered": "<80% funded or deficit >25% of equity"
},
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/1781335/000178133526000011/0001781335-26-000011-index.htm",
"form": "10-K",
"filed": "2026-02-05"
}
}{
"f_score": 1.539,
"probability": 0.00569,
"components": {
"rsst": -0.0193,
"drec": 0.0237,
"dinv": 0.0051,
"soft": 0.8274,
"dcs": -0.0063,
"droa": -0.0155,
"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/1781335/000178133526000011/0001781335-26-000011-index.htm",
"form": "10-K",
"filed": "2026-02-05"
}
}{
"icr_by_year": {
"2025-12-31": 9.829,
"2024-12-31": 10.973,
"2023-12-31": 14.103,
"2022-12-31": 14.521
},
"consecutive_years_below_1": 0,
"altman_z_double_prime": 0.144,
"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": 2133000000,
"interest_expense_t": 217000000
},
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/1781335/000178133526000011/0001781335-26-000011-index.htm",
"form": "10-K",
"filed": "2026-02-05"
}
}{
"m_score": -2.428,
"threshold": -1.78,
"ratios": {
"DSRI": 1.063,
"GMI": 1,
"AQI": 1.23,
"SGI": 1.012,
"DEPI": 1.077,
"SGAI": 1.051,
"LVGI": 1.05,
"TATA": -0.02
},
"defaulted_to_neutral": [
"GMI"
],
"sloan_accruals": -0.0193,
"inputs": {
"revenue_t": 14431000000,
"revenue_t1": 14261000000,
"total_assets_t": 10653000000,
"net_income_t": 1384000000,
"cfo_t": 1596000000
},
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/1781335/000178133526000011/0001781335-26-000011-index.htm",
"form": "10-K",
"filed": "2026-02-05"
}
}{
"etr_by_year": {
"2025-12-31": 0.2477,
"2024-12-31": 0.1496,
"2023-12-31": 0.2624
},
"statutory_rate": 0.21,
"gap_by_year": {
"2025-12-31": -0.0377,
"2024-12-31": 0.0604,
"2023-12-31": -0.0524
},
"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/1781335/000178133526000011/0001781335-26-000011-index.htm",
"form": "10-K",
"filed": "2026-02-05"
}
}