REFI
Bullish signal
Factor checklist — research, not advice
A check leans with a bullish reading. A cross leans against it. A dash is unavailable or mixed.
- Insider Supports a bullish reading. Open-market purchases outweigh sales
- Congress Unavailable or mixed. No purchase disclosures in the stored window
- Financial indicators Unavailable or mixed. Current ratio 0.28 · operating margin 57% — readings disagree
- Narrative Pulls against a bullish reading. Stored narrative reading is in the bearish band
- Timing Pulls against a bullish reading. Interesting trend — weekly bias down
ACHAT TOTAL: 77 856 titres (~819 311,90 $ US)
- Insiders
- Mazarakis JohnSack Peter
- Total bought
-
$819,312
Avg buy (VWAP, 90d window) $10.48 vs last close $10.65 (+1.7%)
- Total sold
-
—
Avg sell (VWAP, 90d window) —
- Last activity
- 2026-08-27
- Liquidity
- Thin $2,373,261/day · 20d vol
- Last synced
-
2026-09-25 21:10:51
Sign in to request a sync of this company's price history and timing levels.
Insider holdings as a share of total assets aren't available for this company.
Avg buy and avg sell are volume-weighted prices (sum of shares × price, divided by shares) for Form 4 rows in this 90-day window that report both figures. A comparison with last close is market context for that average, not advice.
Recent Form 4
Filings in the 90-day window for this company. Value is shares × price from the filing. Research, not advice.
| Date | Person | Side | Shares | Price | Value | Form 4 |
|---|---|---|---|---|---|---|
| 2026-08-27 | Mazarakis John | Buy | 7,530 | $10.67 | $80,345 | Form 4 |
| 2026-08-26 | Mazarakis John | Buy | 40,181 | $10.67 | $428,595 | Form 4 |
| 2026-08-21 | Mazarakis John | Buy | 145 | $10.67 | $1,547 | Form 4 |
| 2026-08-19 | Sack Peter | Buy | 2,000 | $10.39 | $20,780 | Form 4 |
| 2026-08-18 | Sack Peter | Buy | 1,500 | $10.43 | $15,645 | Form 4 |
| 2026-08-17 | Cappell Anthony | Buy | 45,000 | $10.40 | $468,225 | Form 4 |
| 2026-08-17 | Mazarakis John | Buy | 25,000 | $10.25 | $256,325 | Form 4 |
Price (1 year)
Live chart from TradingView — independent market data, as price context around the filings, not the Quorum score. EMA 50/200 and Bollinger load by default. When the exchange is known it is sent as EXCHANGE:SYMBOL; otherwise TradingView resolves the ticker best-effort.
Market snapshot
Signal
Bullish signalScored 2026-09-25
REFI presents a deeply concerning liquidity profile with a current ratio of 0.28 and negative working capital, which critically undermines the moderate insider buying signal (score: 55, confidence: 0.65).
The first sentence of the analysis written for REFI on 2026-09-25 - a real excerpt, not a sample. The rest of it, the 0-100 score and the rating it produced are part of Plus. See plans.
Financial ratios
| Metric | Trend | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|---|
| Gross Profit Margin | 86.9% | 100.0% | 100.0% | 100.0% | 98.5% | |
| Ebit Margin | 57.1% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Ebitda Margin | 57.1% | 0.0% | 0.0% | 1153.3% | 0.7% | |
| Operating Profit Margin | 57.1% | 0.0% | 0.0% | 0.0% | 87.5% | |
| Pretax Profit Margin | 57.1% | 67.6% | 67.5% | 66.1% | 87.5% | |
| Continuous Operations Profit Margin | 57.1% | 67.6% | 67.5% | 66.1% | 87.5% | |
| Net Profit Margin | 57.1% | 67.6% | 67.5% | 66.1% | 87.5% | |
| Bottom Line Profit Margin | 57.1% | 67.6% | 67.5% | 66.1% | 87.5% | |
| Current Ratio | 0.283 | 21.736 | 18.533 | 17.343 | 22.749 | |
| Quick Ratio | 0.283 | 21.736 | 18.533 | 17.343 | 22.749 | |
| Solvency Ratio | 0.308 | 0.294 | 0.443 | 7.519 | 0.906 | |
| Cash Ratio | 0.223 | 1.320 | 0.409 | 0.289 | 6.583 | |
| Price To Earnings Ratio | 7.170 | 8.031 | 7.561 | 8.235 | 30.833 | |
| Price To Earnings Growth Ratio | -0.656 | -0.781 | 0.446 | 0.034 | 0.000 | |
| Forward Price To Earnings Growth Ratio | -0.656 | -0.781 | 0.446 | 0.034 | 0.000 | |
| Price To Earnings Diluted Ratio | 7.298 | 8.202 | 7.668 | 8.280 | 30.833 | |
| Price To Earnings Diluted Growth Ratio | -0.686 | -0.752 | 0.481 | 0.035 | 0.000 | |
| Price To Book Ratio | 0.837 | 0.962 | 1.076 | 1.008 | 1.100 | |
| Price To Sales Ratio | 4.081 | 5.427 | 5.104 | 5.445 | 20.085 | |
| Price To Free Cash Flow Ratio | 8.944 | 12.837 | 10.297 | 15.645 | 43.572 | |
| Price To Operating Cash Flow Ratio | 8.944 | 12.837 | 10.297 | 15.645 | 43.572 | |
| Debt To Assets Ratio | 0.232 | 0.239 | 0.184 | 0.169 | 0.000 | |
| Debt To Equity Ratio | 0.320 | 0.337 | 0.243 | 0.220 | 0.000 | |
| Debt To Capital Ratio | 0.242 | 0.252 | 0.195 | 0.180 | 0.000 | |
| Long Term Debt To Capital Ratio | 0.138 | 0.252 | 0.195 | 0.180 | 0.000 | |
| Financial Leverage Ratio | 1.380 | 1.408 | 1.321 | 1.300 | 1.053 | |
| Working Capital Turnover Ratio | 0.344 | 0.145 | 0.173 | 0.166 | 0.000 | |
| Operating Cash Flow Ratio | 0.430 | 1.158 | 1.471 | 0.861 | 0.547 | |
| Operating Cash Flow Sales Ratio | 0.456 | 0.423 | 0.496 | 0.348 | 0.461 | |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 1.000 | 1.000 | 1.000 | 1.000 | |
| Debt Service Coverage Ratio | 0.636 | 0.000 | 0.000 | 215.545 | 1.333 | |
| Interest Coverage Ratio | 4.772 | 0.000 | 0.000 | 0.000 | 166.909 | |
| Short Term Operating Cash Flow Coverage Ratio | 0.586 | 0.000 | 0.000 | 0.000 | 0.000 | |
| Operating Cash Flow Coverage Ratio | 0.293 | 0.222 | 0.431 | 0.293 | 0.000 | |
| Capital Expenditure Coverage Ratio | 0.000 | 5,789,750.000 | 0.000 | 3,401,031.000 | 2,223,145.667 | |
| Dividend Paid And Capex Coverage Ratio | 0.657 | 0.556 | 0.726 | 0.604 | 0.974 | |
| Dividend Payout Ratio | 1.218 | 1.124 | 1.011 | 0.872 | 0.541 | |
| Enterprise Value Multiple | 9.469 | 0.000 | 0.000 | 0.565 | 2,079.657 |
Sparkline shows each ratio oldest → newest (left → right).
How the latest year compares
For each ratio: its most recent value, the change versus one year earlier, and versus its 5-year average. ▲ higher ▼ lower
| Metric | Current | vs 1Y ago | vs 5Y avg |
|---|---|---|---|
| Gross Profit Margin | 86.9% | ▼-13.1% | ▼-10.2% |
| Ebit Margin | 57.1% | ▲57.1% | ▲45.6% |
| Ebitda Margin | 57.1% | ▲57.1% | ▼-185.1% |
| Operating Profit Margin | 57.1% | ▲57.1% | ▲28.1% |
| Pretax Profit Margin | 57.1% | ▼-10.5% | ▼-12.1% |
| Continuous Operations Profit Margin | 57.1% | ▼-10.5% | ▼-12.1% |
| Net Profit Margin | 57.1% | ▼-10.5% | ▼-12.1% |
| Bottom Line Profit Margin | 57.1% | ▼-10.5% | ▼-12.1% |
| Current Ratio | 0.283 | ▼-21.453 | ▼-15.846 |
| Quick Ratio | 0.283 | ▼-21.453 | ▼-15.846 |
| Solvency Ratio | 0.307 | ▲0.014 | ▼-1.586 |
| Cash Ratio | 0.223 | ▼-1.096 | ▼-1.542 |
| Price To Earnings Ratio | 7.170 | ▼-0.862 | ▼-5.196 |
| Price To Earnings Growth Ratio | -0.655 | ▲0.126 | ▼-0.464 |
| Forward Price To Earnings Growth Ratio | -0.655 | ▲0.126 | ▼-0.464 |
| Price To Earnings Diluted Ratio | 7.298 | ▼-0.904 | ▼-5.159 |
| Price To Earnings Diluted Growth Ratio | -0.686 | ▲0.067 | ▼-0.501 |
| Price To Book Ratio | 0.837 | ▼-0.126 | ▼-0.160 |
| Price To Sales Ratio | 4.081 | ▼-1.346 | ▼-3.948 |
| Price To Free Cash Flow Ratio | 8.944 | ▼-3.894 | ▼-9.316 |
| Price To Operating Cash Flow Ratio | 8.944 | ▼-3.894 | ▼-9.316 |
| Debt To Assets Ratio | 0.232 | ▼-0.008 | ▲0.067 |
| Debt To Equity Ratio | 0.320 | ▼-0.017 | ▲0.096 |
| Debt To Capital Ratio | 0.242 | ▼-0.010 | ▲0.068 |
| Long Term Debt To Capital Ratio | 0.138 | ▼-0.114 | ▼-0.015 |
| Financial Leverage Ratio | 1.380 | ▼-0.028 | ▲0.088 |
| Working Capital Turnover Ratio | 0.344 | ▲0.199 | ▲0.178 |
| Operating Cash Flow Ratio | 0.430 | ▼-0.727 | ▼-0.463 |
| Operating Cash Flow Sales Ratio | 0.456 | ▲0.034 | ▲0.019 |
| Free Cash Flow Operating Cash Flow Ratio | 1.000 | 0.000 | 0.000 |
| Debt Service Coverage Ratio | 0.636 | ▲0.636 | ▼-42.867 |
| Interest Coverage Ratio | 4.772 | ▲4.772 | ▼-29.564 |
| Short Term Operating Cash Flow Coverage Ratio | 0.586 | ▲0.586 | ▲0.469 |
| Operating Cash Flow Coverage Ratio | 0.292 | ▲0.070 | ▲0.045 |
| Capital Expenditure Coverage Ratio | 0.000 | ▼-5789750.000 | ▼-2282785.333 |
| Dividend Paid And Capex Coverage Ratio | 0.657 | ▲0.100 | ▼-0.047 |
| Dividend Payout Ratio | 1.218 | ▲0.094 | ▲0.264 |
| Enterprise Value Multiple | 9.469 | ▲9.469 | ▼-408.469 |
Key metrics
| Metric | Trend | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|---|
| Market cap | $257.5M | $297.3M | $292.6M | $266.0M | $290.6M | |
| Enterprise value | $341.0M | $375.0M | $350.7M | $318.3M | $210.4M | |
| EV / Sales | 5.40x | 6.84x | 6.12x | 6.51x | 14.54x | |
| EV / Op. cash flow | 11.84x | 16.19x | 12.34x | 18.72x | 31.54x | |
| EV / Free cash flow | 11.84x | 16.19x | 12.34x | 18.72x | 31.54x | |
| EV / EBITDA | 9.47x | 0.00x | 0.00x | 0.56x | 2079.66x | |
| Net debt / EBITDA | 2.32x | 0.00x | 0.00x | 0.09x | -793.38x | |
| Current ratio | 0.28x | 21.74x | 18.53x | 17.34x | 22.75x | |
| Income quality | 0.80x | 0.62x | 0.73x | 0.53x | 0.70x | |
| Graham number | $24 | $26 | $27 | $25 | $16 | |
| Graham net-net | -$5 | $11 | $10 | $10 | $12 | |
| Tax burden | 100.0% | 100.0% | 100.0% | 100.0% | 100.0% | |
| Interest burden | 100.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Working capital | -$48.0M | $414.8M | $338.7M | $322.7M | $265.1M | |
| Invested capital | -$48.0M | $414.8M | $338.7M | $322.7M | $265.1M | |
| Return on assets | 8.5% | 8.5% | 10.8% | 9.4% | 4.6% | |
| Operating ROA | 8.4% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Return on tangible assets | 8.5% | 8.5% | 10.8% | 9.4% | 4.6% | |
| Return on equity | 11.7% | 12.0% | 14.2% | 12.2% | 4.8% | |
| Return on invested capital | 8.8% | 0.0% | 0.0% | 0.0% | 4.8% | |
| Return on capital employed | 10.1% | 0.0% | 0.0% | 0.0% | 4.8% | |
| Earnings yield | 14.0% | 12.5% | 13.2% | 12.1% | 4.4% | |
| Free cash flow yield | 11.2% | 7.8% | 9.7% | 6.4% | 2.3% | |
| Capex / Op. cash flow | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Depreciation | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Capex / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| SG&A / Sales | 13.7% | 15.4% | 11.8% | 8.1% | 10.9% | |
| R&D / Sales | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Stock comp / Sales | 5.3% | 5.6% | 2.6% | 0.9% | 0.3% | |
| Intangibles / Total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | |
| Days sales outstanding | 23d | 2688d | 2220d | 2505d | 4966d | |
| Days payables outstanding | 59d | 0d | 0d | 0d | 348d | |
| Operating cycle | 23d | 2688d | 2220d | 2505d | 4966d | |
| Cash conversion cycle | -36d | 2688d | 2220d | 2505d | 4618d |
Change by theme
Grouped by what each metric measures. Each figure is the change over the period shown — ▲ up ▼ down versus then.
Change over 1 year
Valuation
Market cap ▼-13.4%EV / Sales ▼-21.1%EV / EBITDA n/aEV / Op. cash flow ▼-4.349Earnings yield ▲+0.015Graham number ▼-2.544
Profitability
Return on equity ▼-0.003Return on assets -0.000Return on invested capital n/aReturn on capital employed n/aOperating ROA n/aIncome quality ▲+0.174Tax burden 0.000
Efficiency
Days sales outstanding ▼-2664.968Days payables outstanding n/aOperating cycle ▼-2664.968Cash conversion cycle ▼-2724.429Capex / Sales -0.000R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-21.453Net debt / EBITDA n/aWorking capital ▼-462798613.000Invested capital ▼-462798613.000Intangibles / Total assets n/a
Change over 5 years
Valuation
Market cap ▼-11.4%EV / Sales ▼-62.8%EV / EBITDA ▼-99.5%EV / Op. cash flow ▼-19.697Earnings yield ▲+0.096Graham number ▲+8.061
Profitability
Return on equity ▲+0.069Return on assets ▲+0.039Return on invested capital ▲+0.041Return on capital employed ▲+0.053Operating ROA n/aIncome quality ▲+0.097Tax burden 0.000
Efficiency
Days sales outstanding ▼-4942.817Days payables outstanding ▼-288.277Operating cycle ▼-4942.817Cash conversion cycle ▼-4654.541Capex / Sales -0.000R&D / Sales n/a
Balance-sheet strength
Current ratio ▼-22.466Net debt / EBITDA ▲+795.696Working capital ▼-313073141.000Invested capital ▼-313073141.000Intangibles / Total assets n/a
Employee count
No employee-count data synced.
Peer market caps
Congressional trades
STOCK Act disclosures (90-day window)
Amounts are STOCK Act brackets as disclosed. Quorum does not turn a bracket into an exact price or a midpoint.
No STOCK Act disclosures for this company in this window.
Recent news
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