Assay

Financial-condition grades for SEC filers

Company Report · as of Oct 9, 2026

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MethodCoverageAbout
Giftify, Inc.GIFT · shops
GradeElkB/Con the B/C boundary of 258 graded peers; percentile 38.9, sampling error 2.9 points; lower is stronger
Rank101 of 258
ProfitabilityBpercentile 24.2
SolvencyD/Epercentile 81.1
Growth and financingBpercentile 31.2
Reliability0.83 AUCfailure model, filers with $12.5M to $120M assets; 95% interval 0.79 to 0.86; 201 events, 2020 to 2025
Peer failure rate1.07% a yearItem 1.03 bankruptcies, same asset band, 2012 to 2025
Size band$12.5M to $120M assetstotal assets $31.8M[1]
Standard universeinsiderevenue above $1M and assets above $10M[1-2]
Warningsnone activenot computable: distress, fortress balance sheet
Inputs computable7 of 14
Graded fromfilings received through Apr 10, 2026182 days before the rescan; every figure keyed to the SEC receipt date
Last close$0.632026-10-08; market equity $22.3M; iex feed
Price used in gradeNone
Share price, twelve months to the rescansplit-adjusted close; a lollipop at every rescan carries the letter held then; baseline ticks are SEC receipt dates of the inputs; ranges and dragging scroll the full history
$0.5$1NovDecJanFebMarAprMayJunJulAugSepOctB/C$0.57
ABCDE20132014201520162017201820192020202120222023202420252026

Percentile at every rescan on file, Jan 21, 2012 to Oct 9, 2026; stronger toward the top. Hover for the date.

Open this report as it stood on

Letter setLetterPercentileBand
Jan 21, 2012nonen/a
Mar 21, 2023nonen/aQ1
Apr 21, 2024nonen/aQ2
Mar 21, 2026B/C37.6Q2

Each date opens the report as it stood on that rescan.

Business, in the company's words. Opening of Item 1 of the 10-K received Mar 18, 2026; the document on sec.gov.

used in this Annual Report, the terms “we,” “us,” “our,” and the “Company” refer to Giftify, Inc., a Delaware corporation, and its consolidated subsidiaries. owns and operates Restaurant.com, a pioneer in the restaurant deal space and the nation’s largest restaurant-focused digital deals brand. Our profile fundamentally changed with the acquisition of CardCash Exchange, Inc. (“CardCash”) in December 2023. CardCash buys merchant gift cards from the general public and distributors at a discount and then resells them at a markup.

The Fourteen Inputs [top]

Lower percentile is stronger. Source numbers open the SEC filing; a range that spans filings opens the sources table.

InputPercentile, 0 to 100ValueSourcePeer medianPercentilePeersPeriod end
Profitability, sleeve percentile 24.2
Gross profitability48.7%[1,3]42.6%41.12422025-12-31
Return on invested capitalnot computable10.9%
one or more required annual facts are missing
Accruals ratio(26.4%)[1,4-6](4.9%)7.32872025-12-31
Gross margin stability, five yearsnot computable1.2 pts
five annual gross margins are required; found 3
Solvency, sleeve percentile 81.1
Twelve-month failure probabilitynot computable0.04%
latest liabilities, cash plus short-term investments, book equity, and shares are required
Altman Z double-prime(9.79)[1,7-12]1.9290.32082025-12-31
Net debt to EBITDAnot computable1.84x
one or more required annual facts are missing
Interest coveragenot computable2.26x
one or more required annual facts are missing
Current ratio1.03x[7-8]1.37x71.82952025-12-31
Growth and financing, sleeve percentile 31.2
Revenue growth, three-year compound165.5%[2,13-15]1.5%0.72692025-12-31
Free cash flow growth, three-year compoundnot computable5.6%
four consecutive annual FCF observations are required; found 1
Reinvestment ratenot computable7.3%
required facts have no common fiscal period end
Asset growth, three years34.3%[1,6,16-17]3.4%3.32722025-12-31
Net share issuance, one year15.5%[18-19](0.6%)89.52112026-02-27

Gross profitability. Revenue less cost of goods sold, over total assets.

Accruals ratio. Net income less operating cash flow, over average assets; lower is stronger.

Gross margin stability, five years. Standard deviation of gross margin; lower is stronger.

Twelve-month failure probability. CHS model; lower is stronger.

Net debt to EBITDA. Lower is stronger.

Net share issuance, one year. Split-adjusted; lower is stronger.

Sleeves are equal-weighted; within a sleeve each computable input carries equal weight. Composite -0.104; sampling error 2.9 percentile points on 258 peers.

Among 258 Peers [top]

ABCDECOST, Costco Wholesale Corp.; A, percentile 4.7; market equity $420.1B; warnings: fortress balance sheetCOSTAMZN, Amazon COM Inc.; A/B, percentile 20.2; market equity $2.7T; warnings: fortress balance sheetAMZNHD, Home Depot, Inc.; B, percentile 32.3; market equity $294.8BHDTJX, TJX Companies Inc.; C, percentile 43.6; market equity $152.6BTJXWMT, Walmart Inc.; C, percentile 52.9; market equity $877.2BWMTMCD, Mcdonalds Corp.; D, percentile 63.4; market equity $167.6BMCDGIFT 38.9strongerweaker

Composite score of every graded peer, smoothed. Vertical rules are the letter band edges at the 20th, 40th, 60th and 80th percentiles. Small dots are the six largest peers by market equity.

RankCompanyPercentileLetterWarnings
96Dollar General Corp. (DG)

Dollar General Corp. (DG)

Bsecond fifth; percentile 37.0

NYSE · Retail-Variety Stores

market equity $27.4B; last close $124.17

No active warnings; 12 of 14 inputs

37.0B
97Zumiez Inc. (ZUMZ)

Zumiez Inc. (ZUMZ)

B/Con the B/C boundary; percentile 37.4

Nasdaq · Retail-Apparel & Accessory Stores

market equity $217.8M; last close $14.24

Warnings: fortress balance sheet; 9 of 14 inputs

37.4B/Cfortress balance sheet
98Haverty Furniture Companies Inc. (HVT)

Haverty Furniture Companies Inc. (HVT)

B/Con the B/C boundary; percentile 37.9

NYSE · Retail-Furniture Stores

last close $27.54

Warnings: fortress balance sheet; 7 of 14 inputs

37.9B/Cfortress balance sheet
99Haverty Furniture Companies Inc. (HVT-A)

Haverty Furniture Companies Inc. (HVT-A)

B/Con the B/C boundary; percentile 37.9

NYSE · Retail-Furniture Stores

last close $41.98

Warnings: fortress balance sheet; 7 of 14 inputs

37.9B/Cfortress balance sheet
100Openlane, Inc. (OPLN)

Openlane, Inc. (OPLN)

B/Con the B/C boundary; percentile 38.5

NYSE · Retail-Auto Dealers & Gasoline Stations

market equity $4.4B; last close $35.67

No active warnings; 9 of 14 inputs

38.5B/C
101Giftify, Inc. (GIFT)

Giftify, Inc. (GIFT)

B/Con the B/C boundary; percentile 38.9

Nasdaq · Retail-Catalog & Mail-Order Houses

market equity $20.4M; last close $0.63

No active warnings; 7 of 14 inputs

38.9B/C
102Murphy USA Inc. (MUSA)

Murphy USA Inc. (MUSA)

B/Con the B/C boundary; percentile 39.3

NYSE · Retail-Auto Dealers & Gasoline Stations

market equity $9.5B; last close $518.29

No active warnings; 10 of 14 inputs

39.3B/C
103YUM Brands Inc. (YUM)

YUM Brands Inc. (YUM)

B/Con the B/C boundary; percentile 39.7

NYSE · Retail-Eating Places

market equity $39.0B; last close $143.14

No active warnings; 12 of 14 inputs

39.7B/C
104Dollar Tree, Inc. (DLTR)

Dollar Tree, Inc. (DLTR)

B/Con the B/C boundary; percentile 40.1

Nasdaq · Retail-Variety Stores

market equity $22.3B; last close $118.58

No active warnings; 12 of 14 inputs

40.1B/C
105Floor & Decor Holdings, Inc. (FND)

Floor & Decor Holdings, Inc. (FND)

B/Con the B/C boundary; percentile 40.5

NYSE · Retail-Lumber & Other Building Materials Dealers

market equity $5.0B; last close $46.51

No active warnings; 9 of 14 inputs

40.5B/C
106Sysco Corp. (SYY)

Sysco Corp. (SYY)

B/Con the B/C boundary; percentile 40.9

NYSE · Wholesale-Groceries & Related Products

market equity $37.5B; last close $78.19

No active warnings; 11 of 14 inputs

40.9B/C
Peer policyLetterPercentilePeers
all graded filers, equal sleevesB25.92204
sector peers, equal sleeves (the grade)B/C38.9258
same exchange, equal sleevesB24.51219
sector peers, equal inputsB33.9258

Each letter is one fifth of the 258 graded peers, about 51 companies. A boundary letter (A/B, B/C, C/D, D/E) marks a percentile within one sampling error of a band edge.

What the Price Implies [top]

Market measures at the 2026-10-08 close. None enters the grade. Percentile among graded peers with the same measure.

MeasureValuePeer medianPercentileReading
Twelve-month price change, skipping the latest month(23.1%)(0.1%)27hotter than 27 of 100 peers
Distance from 52-week high(54.4%)(24.1%)14closer to its high than 14 of 100 peers
EBIT to enterprise valuenot computable5.3%required accounting or market input is missing
Free cash flow yield(7.1%)4.2%13pricier than 87 of 100 peers
Book value to price1.030.3684pricier than 16 of 100 peers
Sales to price4.081.7577pricier than 23 of 100 peers
Composite equity issuance, five yearsnot computable(16.7%)a share count from five years earlier is required
Relative strength against the sector, log excess return(0.24)0.0227ahead of 27 of 100 peers

Inputs: market equity $20.4M; EBIT -$10.4M; free cash flow -$1.4M; book equity $21.1M; sales $83.2M; cash $3.9M[20].

Diagnostics [top]

Diagnostics do not feed the grade.

Piotroski F-score: None of 9, period end 2025-12-31
Return on assets above zero(29.6%)✗ fail[4,6]
Operating cash flow above zero-$1.6M✗ fail[5]
Return on assets improved17.8 pts✓ pass[4,6,16,21]
Operating cash flow exceeds net income$8.9M✓ pass[4-5]
Long-term leverage felln/a[1,6,16]
Current ratio improved30.4 pts✓ pass[7-8,22-23]
No new shares issued15.5%✗ fail[18-19]
Gross margin improved3.8 pts✓ pass[2-3,13,24]
Asset turnover improved10.8 pts✓ pass[2,6,13,16]
Cash, filings, liquidity
Cash and equivalents$3.9M[25]
Operating cash flow, four quarters-$2.2M[5,25-29]
Months of runway21.5
Late filings, two years0
NT 10-K or NT 10-Q
Days since last periodic filing67
10-Q received Aug 3, 2026
Median daily dollar volume$28,359
63 sessions
Days since newest grade input182

Downloads [top]

Sources [top]

Every citation on this page. Filing opens the SEC index page for that submission; viewer opens the SEC interactive data for the same filing; series opens the SEC XBRL API record for that tag and company.

#ConceptXBRL tagValuePeriod endReceivedFormLinks
1assetsus-gaap:Assets$31.8M2025-12-312026-04-1010-K/Afiling · viewer · series
2revenueus-gaap:RevenueFromContractWithCustomerExcludingAssessedTax$83.2M2025-12-312026-04-1010-K/Afiling · viewer · series
3gross profitus-gaap:GrossProfit$15.5M2025-12-312026-04-1010-K/Afiling · viewer · series
4net incomeus-gaap:NetIncomeLoss-$10.5M2025-12-312026-04-1010-K/Afiling · viewer · series
5operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$1.6M2025-12-312026-04-1010-K/Afiling · viewer · series
6assetsus-gaap:Assets$35.5M2024-12-312026-04-1010-K/Afiling · viewer · series
7current assetsus-gaap:AssetsCurrent$7.7M2025-12-312026-04-1010-K/Afiling · viewer · series
8current liabilitiesus-gaap:LiabilitiesCurrent$7.5M2025-12-312026-04-1010-K/Afiling · viewer · series
9retained earningsus-gaap:RetainedEarningsAccumulatedDeficit-$98.8M2025-12-312026-04-1010-K/Afiling · viewer · series
10operating incomeus-gaap:OperatingIncomeLoss-$10.4M2025-12-312026-04-1010-K/Afiling · viewer · series
11book equityus-gaap:StockholdersEquity$22.3M2025-12-312026-04-1010-K/Afiling · viewer · series
12liabilitiesus-gaap:Liabilities$9.5M2025-12-312026-04-1010-K/Afiling · viewer · series
13revenueus-gaap:RevenueFromContractWithCustomerExcludingAssessedTax$88.9M2024-12-312026-04-1010-K/Afiling · viewer · series
14revenueus-gaap:Revenues$86.7M2023-12-292025-04-1810-K/Afiling · viewer · series
15revenueus-gaap:RevenueFromContractWithCustomerExcludingAssessedTax$4.4M2022-12-312023-03-0710-Kfiling · viewer · series
16assetsus-gaap:Assets$39.8M2023-12-312025-04-1810-K/Afiling · viewer · series
17assetsus-gaap:Assets$13.1M2022-12-312024-04-0910-Kfiling · viewer · series
18shares outstandingdei:EntityCommonStockSharesOutstanding33,642,3122026-02-272026-04-1010-K/Afiling · viewer · series
19shares outstandingdei:EntityCommonStockSharesOutstanding29,118,4072025-03-212025-04-1810-K/Afiling · viewer · series
20shares outstandingdei:EntityCommonStockSharesOutstanding35,425,1762026-07-312026-08-0310-Qfiling · viewer · series
21net incomeus-gaap:NetIncomeLoss-$18.8M2024-12-312026-04-1010-K/Afiling · viewer · series
22current assetsus-gaap:AssetsCurrent$8.6M2024-12-312026-04-1010-K/Afiling · viewer · series
23current liabilitiesus-gaap:LiabilitiesCurrent$11.9M2024-12-312026-04-1010-K/Afiling · viewer · series
24gross profitus-gaap:GrossProfit$13.1M2024-12-312026-04-1010-K/Afiling · viewer · series
25cashus-gaap:CashAndCashEquivalentsAtCarryingValue$3.9M2026-06-302026-08-0310-Qfiling · viewer · series
26operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$310,4472026-06-302026-08-0310-Qfiling · viewer · series
27operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$36,6972026-03-312026-05-1210-Qfiling · viewer · series
28operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$496,0672025-09-302025-11-1010-Qfiling · viewer · series
29operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities$289,9512025-06-302026-08-0310-Qfiling · viewer · series

Limitations [top]

Grade boundary. Percentile 38.9 is 1.1 points from the nearest band edge; sampling error is 2.9 points.

Peer group. Sector assignment from four-digit SIC codes, hand-tuned and published. The grade under three alternative peer policies is tabled above.

Size. Within a sector the letter tracks size. Among graded filers in the smallest asset band, 72% grade E and 0% grade A; in the largest, 13% grade E and 21% grade A. Universe as of Oct 9, 2026.

Failure model. filings 2012-01-01 to 2019-12-31 fit, filings 2020-01-01 to 2025-12-31 test; status post hoc pending confirmation. pre-registered on 2026 filings once their 12-month outcome windows close; supported if the paired per-quintile gain over the pooled model has a lower bound above 0.05.

Input validity. Revenue or total assets at or below $100,000 sets the degenerate-inputs flag. An input whose denominator is at or below $100,000 is left not computable rather than ranked.

Returns. No input on this page has a post-2015 confidence interval on returns that excludes zero. The grade ranks reported financial condition and is not a return forecast.

Informational and educational only. Not investment advice. SEC and market data may contain errors.

If you have any comments about this page, the methodology and every line of code that produced it are in the public repository. However, due to the limited number of personnel, we are unable to provide a direct response.

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Photographs from Wikimedia Commons

bull: Raphael Schön from Vienna, Austria, CC BY 2.0; bear: U. S. Fish and Wildlife Service - Northeast Region, Public domain; elk: Oregon Department of Fish & Wildlife, Public domain; tortoise: NPS, Public domain; sloth: Charles J. Sharp, CC BY-SA 3.0; fox: Cp9asngf, CC BY-SA 4.0; sector-business_equipment: Sangitiana Fararano, CC BY-SA 2.0; sector-healthcare: User:Squidonius, myself, and User:Beliason (assumed)., CC BY-SA 4.0; sector-manufacturing: unknown, CC BY-SA 2.0; sector-shops: Wilfredor, CC BY-SA 4.0; sector-consumer_nondurables: Nielsoncaetanosalmeron, CC BY 4.0; sector-utilities: Lijovklm, CC BY-SA 4.0; sector-consumer_durables: Stilfehler, CC BY-SA 4.0; sector-chemicals: PEO ACWA, CC BY 2.0; sector-energy: Arne Hückelheim, CC BY-SA 3.0; sector-telecom: Wikideas1, CC0; sector-other: Downtowngal, CC BY-SA 4.0.

Updated Oct 9, 2026