Assay
Financial-condition grades for SEC filers
Company Report · as of Oct 9, 2026
|
| Izea Worldwide, Inc.IZEA · other | |
|---|---|
| Grade |  C/Don the C/D boundary of 336 graded peers; percentile 62.4, sampling error 2.6 points; lower is stronger |
| Rank | 210 of 336 |
| Profitability | C/Dpercentile 61.5 |
| Solvency | Apercentile 9.9 |
| Growth and financing | Epercentile 84.3 |
| Reliability | 0.83 AUCfailure model, filers with $12.5M to $120M assets; 95% interval 0.79 to 0.86; 201 events, 2020 to 2025 |
| Peer failure rate | 1.07% a yearItem 1.03 bankruptcies, same asset band, 2012 to 2025 |
| Size band | $12.5M to $120M assetstotal assets $57.5M[1] |
| Standard universe | insiderevenue above $1M and assets above $10M[1-2] |
| Warnings | none active · fortress balance sheetnot computable: distress |
| Inputs computable | 8 of 14 |
| Graded from | filings received through Mar 17, 2026206 days before the rescan; every figure keyed to the SEC receipt date |
| Last close | $2.352026-10-08; market equity $41.0M; iex feed |
| Price used in grade | None |
| 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 | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
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 | ||||||||||||||||||||||||||||
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 17, 2026; the document on sec.gov.
Our mission is to make creator economy solutions for marketers. We offer solutions that range from creator agency services to creator technologies to a marketplace that connects marketers with creators. By fostering these connections, we light up the creator economy with IZEAs – social-first content, made by creators, that are culturally relevant and move at the speed of culture. IZEA Worldwide, Inc. (together with its wholly-owned subsidiaries, “IZEA” or the “Company”) is a Nevada corporation that was founded in February 2006 under the name PayPerPost, Inc. and became a public company in May 2011.
Warnings [top]
7 checks ran; none of them enters the letter. The checks are listed on the warnings screen.
The Fourteen Inputs [top]
Lower percentile is stronger. Source numbers open the SEC filing; a range that spans filings opens the sources table.
| Input | Percentile, 0 to 100 | Value | Source | Peer median | Percentile | Peers | Period end |
|---|---|---|---|---|---|---|---|
| Profitability, sleeve percentile 61.5 | |||||||
| Gross profitability | 26.1% | [1-2,5] | 27.1% | 47.6 | 289 | 2025-12-31 | |
| Return on invested capital | not computable | 10.0% | |||||
| pretax income must exceed the validity floor and imply a 0%-100% tax rate | |||||||
| Accruals ratio | (4.0%) | [1,6-8] | (5.9%) | 63.6 | 506 | 2025-12-31 | |
| Gross margin stability, five years | 4.9 pts | [2,5,9-16] | 2.2 pts | 73.4 | 204 | 2025-12-31 | |
| Solvency, sleeve percentile 9.9 | |||||||
| Twelve-month failure probability | not computable | 0.04% | |||||
| latest liabilities, cash plus short-term investments, book equity, and shares are required | |||||||
| Altman Z double-prime | 5.18 | [1,17-22] | 2.05 | 14.3 | 386 | 2025-12-31 | |
| Net debt to EBITDA | not computable | 2.52x | |||||
| EBITDA must exceed $100,000 | |||||||
| Interest coverage | not computable | 2.18x | |||||
| interest expense must exceed $100,000 | |||||||
| Current ratio | 6.44x | [17-18] | 1.32x | 5.5 | 506 | 2025-12-31 | |
| Growth and financing, sleeve percentile 84.3 | |||||||
| Revenue growth, three-year compound | (8.7%) | [2,9,11,13] | 5.1% | 88.1 | 403 | 2025-12-31 | |
| Free cash flow growth, three-year compound | not computable | 8.7% | |||||
| current FCF must be positive and base FCF must exceed $100,000 | |||||||
| Reinvestment rate | not computable | 11.9% | |||||
| pretax income must exceed the validity floor and imply a 0%-100% tax rate | |||||||
| Asset growth, three years | (12.5%) | [1,8,23-24] | 4.1% | 91.3 | 438 | 2025-12-31 | |
| Net share issuance, one year | 2.5% | [25-26] | (0.4%) | 73.5 | 356 | 2026-03-12 | |
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 0.042; sampling error 2.6 percentile points on 336 peers.
Among 336 Peers [top]
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.
| Rank | Company | Percentile | Letter | Warnings |
|---|---|---|---|---|
| 205 | Waste Connections, Inc. (WCN) Waste Connections, Inc. (WCN) C/Don the C/D boundary; percentile 60.9 NYSE · Refuse Systems market equity $39.0B; last close $154.73 No active warnings; 12 of 14 inputs | 60.9 | C/D | |
| 206 | Cbiz, Inc. (CBZ) Cbiz, Inc. (CBZ) C/Don the C/D boundary; percentile 61.2 NYSE · Services-Business Services, NEC market equity $3.0B; last close $54.82 No active warnings; 10 of 14 inputs | 61.2 | C/D | |
| 207 | United Parcel Service Inc. (UPS) United Parcel Service Inc. (UPS) C/Don the C/D boundary; percentile 61.5 NYSE · Trucking & Courier Services (No Air) last close $94.13 No active warnings; 8 of 14 inputs | 61.5 | C/D | |
| 208 | TransUnion (TRU) TransUnion (TRU) C/Don the C/D boundary; percentile 61.8 NYSE · Services-Consumer Credit Reporting, Collection Agencies market equity $12.5B; last close $64.60 No active warnings; 10 of 14 inputs | 61.8 | C/D | |
| 209 | HF Sinclair Corp. (DINO) HF Sinclair Corp. (DINO) C/Don the C/D boundary; percentile 62.1 NYSE · Pipe Lines (No Natural Gas) market equity $21.5B; last close $120.74 No active warnings; 10 of 14 inputs | 62.1 | C/D | |
| 210 | Izea Worldwide, Inc. (IZEA) Izea Worldwide, Inc. (IZEA) C/Don the C/D boundary; percentile 62.4 Nasdaq · Services-Advertising market equity $40.8M; last close $2.35 Warnings: fortress balance sheet; 8 of 14 inputs | 62.4 | C/D | fortress balance sheet |
| 211 | Iqvia Holdings Inc. (IQV) Iqvia Holdings Inc. (IQV) Dfourth fifth; percentile 62.7 NYSE · Services-Commercial Physical & Biological Research market equity $43.2B; last close $259.10 No active warnings; 10 of 14 inputs | 62.7 | D | |
| 212 | Corpay, Inc. (CPAY) Corpay, Inc. (CPAY) Dfourth fifth; percentile 63.0 NYSE · Services-Business Services, NEC market equity $26.4B; last close $402.01 No active warnings; 8 of 14 inputs | 63.0 | D | |
| 213 | Marriott International Inc. (MAR) Marriott International Inc. (MAR) Dfourth fifth; percentile 63.3 Nasdaq · Hotels & Motels market equity $94.2B; last close $361.11 No active warnings; 9 of 14 inputs | 63.3 | D | |
| 214 | DHI Group, Inc. (DHX) DHI Group, Inc. (DHX) Dfourth fifth; percentile 63.6 NYSE · Services-Business Services, NEC market equity $215.8M; last close $4.98 No active warnings; 10 of 14 inputs | 63.6 | D | |
| 215 | Bright Horizons Family Solutions Inc. (BFAM) Bright Horizons Family Solutions Inc. (BFAM) Dfourth fifth; percentile 63.9 NYSE · Services-Child Day Care Services market equity $3.4B; last close $68.85 No active warnings; 10 of 14 inputs | 63.9 | D |
| Peer policy | Letter | Percentile | Peers |
|---|---|---|---|
| all graded filers, equal sleeves | C/D | 59.9 | 2204 |
| sector peers, equal sleeves (the grade) | C/D | 62.4 | 336 |
| same exchange, equal sleeves | C/D | 58.9 | 1219 |
| sector peers, equal inputs | D | 74.9 | 336 |
Each letter is one fifth of the 336 graded peers, about 67 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.
| Measure | Value | Peer median | Percentile | Reading |
|---|---|---|---|---|
| Twelve-month price change, skipping the latest month | (18.3%) | 2.0% | 30 | hotter than 30 of 100 peers |
| Distance from 52-week high | (58.9%) | (26.8%) | 14 | closer to its high than 14 of 100 peers |
| EBIT to enterprise value | not computable | 4.4% | enterprise value must exceed $100,000 | |
| Free cash flow yield | 5.8% | 4.1% | 62 | pricier than 38 of 100 peers |
| Book value to price | 1.16 | 0.34 | 90 | pricier than 10 of 100 peers |
| Sales to price | 0.76 | 0.70 | 54 | pricier than 46 of 100 peers |
| Composite equity issuance, five years | 16.4% | (8.8%) | 82 | more equity-funded than 82 of 100 peers |
| Relative strength against the sector, log excess return | (0.35) | (0.13) | 30 | ahead of 30 of 100 peers |
Inputs: market equity $40.8M; EBIT -$1.9M; free cash flow $2.4M; book equity $47.4M; sales $31.2M; debt $2,369; cash $46.6M[27].
Diagnostics [top]
Diagnostics do not feed the grade.
| Piotroski F-score: 8 of 9, period end 2025-12-31 | ||
|---|---|---|
| Return on assets above zero | 0.1% | ✓ pass[6,8] |
| Operating cash flow above zero | $2.4M | ✓ pass[7] |
| Return on assets improved | 23.8 pts | ✓ pass[6,8,23,28] |
| Operating cash flow exceeds net income | $2.4M | ✓ pass[6-7] |
| Long-term leverage fell | (0.1 pts) | ✓ pass[1,4,8,23,29] |
| Current ratio improved | 197.1 pts | ✓ pass[17-18,30-31] |
| No new shares issued | 2.5% | ✗ fail[25-26] |
| Gross margin improved | 7.1 pts | ✓ pass[2,5,9-10] |
| Asset turnover improved | 5.0 pts | ✓ pass[2,8-9,23] |
| Cash, filings, liquidity | |
|---|---|
| Cash and equivalents | $46.6M[32] |
| Operating cash flow, four quarters | -$1.5M[7,32-36] |
| Months of runway | 361.8 |
| Late filings, two years | 0 |
| NT 10-K or NT 10-Q | |
| Days since last periodic filing | 59 |
| 10-Q received Aug 11, 2026 | |
| Median daily dollar volume | $111,339 |
| 63 sessions | |
| Days since newest grade input | 206 |
Downloads [top]
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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.
| # | Concept | XBRL tag | Value | Period end | Received | Form | Links |
|---|---|---|---|---|---|---|---|
| 1 | assets | us-gaap:Assets | $57.5M | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 2 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $31.2M | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 3 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $50.9M | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 4 | total debt | us-gaap:LongTermDebt | $9,106 | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 5 | cost of revenue | us-gaap:CostOfRevenue | $16.2M | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 6 | net income | us-gaap:NetIncomeLoss | $42,326 | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 7 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $2.4M | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 8 | assets | us-gaap:Assets | $62.2M | 2024-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 9 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $35.9M | 2024-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 10 | cost of revenue | us-gaap:CostOfRevenue | $21.2M | 2024-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 11 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $36.2M | 2023-12-31 | 2025-04-11 | 10-K/A | filing · viewer · series |
| 12 | cost of revenue | us-gaap:CostOfRevenue | $21.6M | 2023-12-31 | 2025-04-11 | 10-K/A | filing · viewer · series |
| 13 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $41.1M | 2022-12-31 | 2024-04-01 | 10-K | filing · viewer · series |
| 14 | cost of revenue | us-gaap:CostOfRevenue | $24.7M | 2022-12-31 | 2024-04-01 | 10-K | filing · viewer · series |
| 15 | revenue | us-gaap:RevenueFromContractWithCustomerExcludingAssessedTax | $30.0M | 2021-12-31 | 2023-03-31 | 10-K | filing · viewer · series |
| 16 | cost of revenue | us-gaap:CostOfRevenue | $14.5M | 2021-12-31 | 2023-03-31 | 10-K | filing · viewer · series |
| 17 | current assets | us-gaap:AssetsCurrent | $55.1M | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 18 | current liabilities | us-gaap:LiabilitiesCurrent | $8.6M | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 19 | retained earnings | us-gaap:RetainedEarningsAccumulatedDeficit | -$104.3M | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 20 | operating income | us-gaap:OperatingIncomeLoss | -$1.9M | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 21 | book equity | us-gaap:StockholdersEquity | $48.9M | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 22 | liabilities | us-gaap:Liabilities | $8.6M | 2025-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 23 | assets | us-gaap:Assets | $79.4M | 2023-12-31 | 2025-04-11 | 10-K/A | filing · viewer · series |
| 24 | assets | us-gaap:Assets | $85.7M | 2022-12-31 | 2024-04-01 | 10-K | filing · viewer · series |
| 25 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 17,336,121 | 2026-03-12 | 2026-03-17 | 10-K | filing · viewer · series |
| 26 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 16,914,522 | 2025-03-25 | 2025-04-11 | 10-K/A | filing · viewer · series |
| 27 | shares outstanding | dei:EntityCommonStockSharesOutstanding | 17,416,286 | 2026-08-06 | 2026-08-11 | 10-Q | filing · viewer · series |
| 28 | net income | us-gaap:NetIncomeLoss | -$18.9M | 2024-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 29 | long term debt | us-gaap:LongTermDebt | $63,420 | 2024-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 30 | current assets | us-gaap:AssetsCurrent | $60.0M | 2024-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 31 | current liabilities | us-gaap:LiabilitiesCurrent | $13.4M | 2024-12-31 | 2026-03-17 | 10-K | filing · viewer · series |
| 32 | cash | us-gaap:CashAndCashEquivalentsAtCarryingValue | $46.6M | 2026-06-30 | 2026-08-11 | 10-Q | filing · viewer · series |
| 33 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | -$2.7M | 2026-06-30 | 2026-08-11 | 10-Q | filing · viewer · series |
| 34 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | -$4.0M | 2026-03-31 | 2026-05-12 | 10-Q | filing · viewer · series |
| 35 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $2.4M | 2025-09-30 | 2025-11-12 | 10-Q | filing · viewer · series |
| 36 | operating cash flow | us-gaap:NetCashProvidedByUsedInOperatingActivities | $1.2M | 2025-06-30 | 2026-08-11 | 10-Q | filing · viewer · series |
Limitations [top]
Grade boundary. Percentile 62.4 is 2.4 points from the nearest band edge; sampling error is 2.6 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.
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