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": 829000000,
"plan_assets": 560000000,
"funded_ratio": 0.6755,
"deficit": -269000000,
"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/310764/000031076426000010/0000310764-26-000010-index.htm",
"form": "10-K",
"filed": "2026-02-11"
}
}{
"f_score": 1.475,
"probability": 0.00546,
"components": {
"rsst": -0.0396,
"drec": 0.0011,
"dinv": 0.0118,
"soft": 0.8352,
"dcs": 0.1093,
"droa": -0.0018,
"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/310764/000031076426000010/0000310764-26-000010-index.htm",
"form": "10-K",
"filed": "2026-02-11"
}
}{
"m_score": -2.622,
"threshold": -1.78,
"ratios": {
"DSRI": 0.911,
"GMI": 0.999,
"AQI": 1.063,
"SGI": 1.112,
"DEPI": 1.015,
"SGAI": 1.013,
"LVGI": 1.027,
"TATA": -0.038
},
"defaulted_to_neutral": [],
"sloan_accruals": -0.0396,
"inputs": {
"revenue_t": 25116000000,
"revenue_t1": 22595000000,
"total_assets_t": 47844000000,
"net_income_t": 3246000000,
"cfo_t": 5044000000
},
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/310764/000031076426000010/0000310764-26-000010-index.htm",
"form": "10-K",
"filed": "2026-02-11"
}
}{
"etr_by_year": {
"2025-12-31": 0.2809,
"2024-12-31": 0.1429,
"2023-12-31": 0.1383
},
"statutory_rate": 0.21,
"gap_by_year": {
"2025-12-31": -0.0709,
"2024-12-31": 0.0671,
"2023-12-31": 0.0717
},
"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/310764/000031076426000010/0000310764-26-000010-index.htm",
"form": "10-K",
"filed": "2026-02-11"
}
}{
"icr_by_year": {
"2025-12-31": 8.4,
"2024-12-31": 9.316,
"2023-12-31": 10.921,
"2022-12-31": 8.43
},
"consecutive_years_below_1": 0,
"altman_z_double_prime": 3.036,
"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": 4889000000,
"interest_expense_t": 582000000
},
"stale": false,
"latest_filing_period": "2025-12-31",
"source": {
"url": "https://www.sec.gov/Archives/edgar/data/310764/000031076426000010/0000310764-26-000010-index.htm",
"form": "10-K",
"filed": "2026-02-11"
}
}