CarePayment Technologies, Inc.
Financials · Short-Term Business Credit Institutions · OR · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY12 | FY11 | FY10 | |
|---|---|---|---|
| Revenue | $5.6M | $6.8M | $5.9M |
| Operating income | −$4.7M | −$4.3M | −$3.1M |
| Net income | −$14.4M | −$4.8M | −$2.3M |
| Total assets | $10.2M | $10.4M | $10.4M |
| Total liabilities | $11.2M | $6.8M | $3.4M |
| Equity | −$897,389 | $3.6M | $7.0M |
| EPS (diluted) | — | — | — |
| Shares out. | 12.0M | 10.2M | — |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2012- Operating margin
- −82.8%
- Net margin
- −255.9%
- Return on equity
- 1607.0%
- Return on assets
- −140.9%
- Return on capital (ROCE)
- —
- Liabilities / assets
- 109.5%
- Debt / equity
- —
- Book value / share
- $-0.07
- Revenue growth (YoY)
- −16.5%
- Net income growth (YoY)
- —
Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.
Financial health
forensic scores · FY2012- Altman Z″ (distress)
- -26.42distress
- Accruals / assets
- −98.0%clean
- Piotroski F-Score
- 1/9weak
Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.
Quality score
EDS ScoreOur own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast. What these scores mean →
Signs
● 3 severe● 5 warning● 2 good- Negative shareholder equity
- Altman Z″ in the distress zone
- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Operating losses (negative operating margin)
- Reported a net loss
- Revenue declined year-over-year
- High leverage (liabilities > 70% of assets)
- Negative operating cash flow
- Strong return on equity (>15%)
- Clean earnings (low accruals)
Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.
Risk flags
late SEC filings- NT 10-Qmissed a reporting deadline ↗May 16, 2011
- NT 10-Kmissed a reporting deadline ↗Mar 31, 2011
- NT 10-Qmissed a reporting deadline ↗Aug 16, 2010
- NT 10-Kmissed a reporting deadline ↗Apr 1, 2009
- NT 10-Qmissed a reporting deadline ↗May 15, 2007
- NT 10-Kmissed a reporting deadline ↗Mar 20, 2007
A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.
Material events
SEC Form 8-K · most recent- Other material eventFeb 6, 2013
- Other material eventJan 4, 2013
- Entered a material agreementDec 27, 2012
- Other material eventSep 17, 2012
- Director / officer change · Shareholder voteJun 11, 2012
- Director / officer change · Other material eventMay 29, 2012
- Director / officer changeApr 24, 2012
- Entered a material agreement · Unregistered equity saleApr 13, 2012
Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.
Recent SEC filings
All filings ↗- DDec 7, 2017
- DMar 22, 2017
- 15-12GFORM 15-12GMay 1, 2013
- 10-KFORM 10-KApr 1, 2013
- 4OWNERSHIP DOCUMENTFeb 6, 2013
- 8-KFORM 8-KFeb 6, 2013
- 8-KFORM 8-KJan 4, 2013
- 4OWNERSHIP DOCUMENTJan 3, 2013
- 8-KFORM 8-KDec 27, 2012
- 10-QNov 13, 2012
- 8-KFORM 8-KSep 17, 2012
- 10-Q/AFORM 10-Q/AAug 14, 2012
- 10-QFORM 10-QAug 13, 2012
- 8-KFORM 8-KJun 11, 2012
- 8-KFORM 8-KMay 29, 2012
Event-driven situations (1)
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