Assay

Financial-condition grades for SEC filers

Company Report · as of Oct 9, 2026

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MethodCoverageAbout
Silo Pharma, Inc.SILO · healthcare
GradeBearEweakest fifth of 371 graded peers; percentile 94.9, sampling error 2.5 points; lower is stronger
Rank352 of 371
ProfitabilityEpercentile 90.5
SolvencyCpercentile 49.6
Growth and financingD/Epercentile 81.3
Reliability0.76 AUCfailure model, filers with under $12.5M assets; 95% interval 0.65 to 0.86; 63 events, 2020 to 2025
Peer failure rate0.60% a yearItem 1.03 bankruptcies, same asset band, 2012 to 2025
Size bandunder $12.5M assetstotal assets $7.6M[1]
Standard universeoutsiderevenue above $1M and assets above $10M[1-2]
Warningsdilution, degenerate inputs, distressnot computable: fortress balance sheet
Inputs computable7 of 14
Graded fromfilings received through Mar 27, 2026196 days before the rescan; every figure keyed to the SEC receipt date
Last close$1.412026-10-08; market equity $2.2M; 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
$5$10NovDecJanFebMarAprMayJunJulAugSepOctE$1.45
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
Feb 21, 2012nonen/aQ1
Aug 21, 2026E95.7Q1

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 27, 2026; the document on sec.gov.

are a developmental stage biopharmaceutical and cryptocurrency company. Our therapeutics focus is on developing novel therapeutics that address underserved conditions including PTSD, stress-induced anxiety disorders, fibromyalgia, and central nervous system (CNS) diseases. We are focused on developing novel therapies that include conventional drugs and psychedelic formulations. The Company’s lead program, SPC-15, is an intranasal drug targeting PTSD and stress-induced anxiety disorders. SP-26 is a time-release ketamine-based loaded implant for fibromyalgia and chronic pain relief.

Warnings [top]

Dilution. split-adjusted year-over-year share growth is 215.9%[3-4]
Degenerate inputs. latest revenue or assets are at or below the $100,000 validity floor[1-2]
Distress. CHS probability 3.315400%; universe top-decile threshold 1.068854%

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.

InputPercentile, 0 to 100ValueSourcePeer medianPercentilePeersPeriod end
Profitability, sleeve percentile 90.5
Gross profitability0.4%[1,5]32.2%92.23722025-12-31
Return on invested capitalnot computable9.3%
one or more required annual facts are missing
Accruals ratio5.8%[1,6-8](6.6%)88.98112025-12-31
Gross margin stability, five yearsnot computable2.8 pts
five consecutive annual gross margins are required
Solvency, sleeve percentile 49.6
Twelve-month failure probability3.32%0.07%93.52482026-06-30
Altman Z double-prime(1.23)[1,9-14](0.31)42.17562025-12-31
Net debt to EBITDAnot computable1.82x
one or more required annual facts are missing
Interest coveragenot computable(4.51x)
interest expense must exceed $100,000
Current ratio11.36x[9-10]2.96x13.28392025-12-31
Growth and financing, sleeve percentile 81.3
Revenue growth, three-year compoundnot computable10.0%
four consecutive annual observations are required
Free cash flow growth, three-year compoundnot computable10.9%
four consecutive annual FCF observations are required; found 0
Reinvestment ratenot computable37.1%
one or more required annual facts are missing
Asset growth, three years(13.2%)[1,8,15-16]2.1%73.37042025-12-31
Net share issuance, one year215.9%[3-4]2.5%89.36342026-03-27

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 0.524; sampling error 2.5 percentile points on 371 peers.

Among 371 Peers [top]

ABCDEJNJ, Johnson & Johnson; C, percentile 44.9; market equity $618.1BJNJLLY, ELI Lilly & Co.; C, percentile 55.7; market equity $1.1TLLYABBV, AbbVie Inc.; D, percentile 63.2; market equity $481.4BABBVGILD, Gilead Sciences, Inc.; D/E, percentile 78.9; market equity $182.4BGILDMRK, Merck & Co., Inc.; D/E, percentile 80.8; market equity $351.3BMRKAMGN, Amgen Inc.; E, percentile 85.1; market equity $220.3BAMGNSILO 94.9strongerweaker

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
347Fortress Biotech, Inc. (FBIO)

Fortress Biotech, Inc. (FBIO)

Eweakest fifth; percentile 93.6

Nasdaq · Pharmaceutical Preparations

last close $2.10

Warnings: fortress balance sheet; 8 of 14 inputs

93.6Efortress balance sheet
348Fortress Biotech, Inc. (FBIOP)

Fortress Biotech, Inc. (FBIOP)

Eweakest fifth; percentile 93.6

Nasdaq · Pharmaceutical Preparations

last close $17.95

Warnings: fortress balance sheet; 8 of 14 inputs

93.6Efortress balance sheet
349Co-Diagnostics, Inc. (CODX)

Co-Diagnostics, Inc. (CODX)

Eweakest fifth; percentile 94.1

Nasdaq · Surgical & Medical Instruments & Apparatus

market equity $6.8M; last close $1.10

Warnings: dilution, short runway, fortress balance sheet; 8 of 14 inputs

94.1Edilution, short runway, fortress balance sheet
350Kyntra BIO, Inc. (KYNB)

Kyntra BIO, Inc. (KYNB)

Eweakest fifth; percentile 94.3

Nasdaq · Pharmaceutical Preparations

market equity $24.1M; last close $5.83

No active warnings; 10 of 14 inputs

94.3E
351Celularity Inc. (CELU)

Celularity Inc. (CELU)

Eweakest fifth; percentile 94.6

Nasdaq · Pharmaceutical Preparations

market equity $47.4M; last close $1.48

Warnings: short runway, late filer; 8 of 14 inputs

94.6Eshort runway, late filer
352Silo Pharma, Inc. (SILO)

Silo Pharma, Inc. (SILO)

Eweakest fifth; percentile 94.9

Nasdaq · Pharmaceutical Preparations

market equity $2.3M; last close $1.41

Warnings: dilution, degenerate inputs, distress; 7 of 14 inputs

94.9Edilution, degenerate inputs, distress
353VivoSim Labs, Inc. (VIVS)

VivoSim Labs, Inc. (VIVS)

Eweakest fifth; percentile 95.1

Nasdaq · Biological Products, (No Diagnostic Substances)

market equity $2.6M; last close $0.18

Warnings: dilution, short runway, late filer; 7 of 14 inputs

95.1Edilution, short runway, late filer
354ALX Oncology Holdings Inc. (ALXO)

ALX Oncology Holdings Inc. (ALXO)

Eweakest fifth; percentile 95.4

Nasdaq · Pharmaceutical Preparations

market equity $163.2M; last close $1.18

Warnings: dilution, short runway, degenerate inputs, fortress balance sheet; 8 of 14 inputs

95.4Edilution, short runway, degenerate inputs, fortress balance sheet
355Biomerica Inc. (BMRA)

Biomerica Inc. (BMRA)

Eweakest fifth; percentile 95.7

Nasdaq · In Vitro & In Vivo Diagnostic Substances

market equity $8.7M; last close $1.87

Warnings: short runway; 7 of 14 inputs

95.7Eshort runway
356Bolt Biotherapeutics, Inc. (BOLT)

Bolt Biotherapeutics, Inc. (BOLT)

Eweakest fifth; percentile 95.9

Nasdaq · Pharmaceutical Preparations

market equity $7.0M; last close $3.61

Warnings: short runway, distress; 7 of 14 inputs

95.9Eshort runway, distress
357Pfizer Inc. (PFE)

Pfizer Inc. (PFE)

Eweakest fifth; percentile 96.2

NYSE · Pharmaceutical Preparations

market equity $158.6B; last close $27.83

No active warnings; 8 of 14 inputs

96.2E
Peer policyLetterPercentilePeers
all graded filers, equal sleevesE98.52204
sector peers, equal sleeves (the grade)E94.9371
same exchange, equal sleevesE97.51219
sector peers, equal inputsE91.6371

Each letter is one fifth of the 371 graded peers, about 74 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(76.0%)8.0%4hotter than 4 of 100 peers
Distance from 52-week high(86.0%)(31.4%)5closer to its high than 5 of 100 peers
EBIT to enterprise valuenot computable(1.5%)required accounting or market input is missing
Free cash flow yieldnot computable(1.0%)required accounting or market input is missing
Book value to price2.120.2897pricier than 3 of 100 peers
Sales to price0.030.3111pricier than 89 of 100 peers
Composite equity issuance, five yearsnot computable20.3%five-year total-return history is required
Relative strength against the sector, log excess return(1.64)(0.14)4ahead of 4 of 100 peers

Inputs: market equity $2.3M; EBIT -$4.3M; book equity $4.9M; sales $72,102; cash $3.3M[17].

Diagnostics [top]

Diagnostics do not feed the grade.

Piotroski F-score: None of 9, period end 2025-12-31
Return on assets above zero(57.0%)✗ fail[6,8]
Operating cash flow above zero-$4.7M✗ fail[7]
Return on assets improved(0.3 pts)✗ fail[6,8,15,18]
Operating cash flow exceeds net income-$433,641✗ fail[6-7]
Long-term leverage felln/a[1,8,15]
Current ratio improved706.8 pts✓ pass[9-10,19-20]
No new shares issued215.9%✗ fail[3-4]
Gross margin improvedn/a[2,5,21-22]
Asset turnover improved0.0 pts✓ pass[2,8,15,22]
Cash, filings, liquidity
Cash and equivalents$3.3M[23]
Operating cash flow, four quarters-$3.3M[7,23-27]
Months of runway11.8
Late filings, two years0
NT 10-K or NT 10-Q
Days since last periodic filing57
10-Q received Aug 13, 2026
Median daily dollar volume$84,080
63 sessions
Days since newest grade input196

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$7.6M2025-12-312026-03-2710-Kfiling · viewer · series
2revenueus-gaap:Revenues$72,1022025-12-312026-03-2710-Kfiling · viewer · series
3shares outstandingdei:EntityCommonStockSharesOutstanding14,166,5932026-03-272026-03-2710-Kfiling · viewer · series
4shares outstandingdei:EntityCommonStockSharesOutstanding4,484,4562025-03-262025-03-2810-Kfiling · viewer · series
5gross profitus-gaap:GrossProfit$27,8072025-12-312026-03-2710-Kfiling · viewer · series
6net incomeus-gaap:NetIncomeLoss-$4.2M2025-12-312026-03-2710-Kfiling · viewer · series
7operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$4.7M2025-12-312026-03-2710-Kfiling · viewer · series
8assetsus-gaap:Assets$7.4M2024-12-312026-03-2710-Kfiling · viewer · series
9current assetsus-gaap:AssetsCurrent$7.4M2025-12-312026-03-2710-Kfiling · viewer · series
10current liabilitiesus-gaap:LiabilitiesCurrent$650,1832025-12-312026-03-2710-Kfiling · viewer · series
11retained earningsus-gaap:RetainedEarningsAccumulatedDeficit-$19.5M2025-12-312026-03-2710-Kfiling · viewer · series
12operating incomeus-gaap:OperatingIncomeLoss-$4.3M2025-12-312026-03-2710-Kfiling · viewer · series
13book equityus-gaap:StockholdersEquity$6.3M2025-12-312026-03-2710-Kfiling · viewer · series
14liabilitiesus-gaap:Liabilities$1.3M2025-12-312026-03-2710-Kfiling · viewer · series
15assetsus-gaap:Assets$7.7M2023-12-312025-03-2810-Kfiling · viewer · series
16assetsus-gaap:Assets$11.6M2022-12-312024-03-2510-Kfiling · viewer · series
17shares outstandingdei:EntityCommonStockSharesOutstanding1,588,2502026-08-132026-08-1310-Qfiling · viewer · series
18net incomeus-gaap:NetIncomeLoss-$4.4M2024-12-312026-03-2710-Kfiling · viewer · series
19current assetsus-gaap:AssetsCurrent$7.1M2024-12-312026-03-2710-Kfiling · viewer · series
20current liabilitiesus-gaap:LiabilitiesCurrent$1.7M2024-12-312026-03-2710-Kfiling · viewer · series
21gross profitus-gaap:GrossProfit$66,2642024-12-312026-03-2710-Kfiling · viewer · series
22revenueus-gaap:Revenues$72,1022024-12-312026-03-2710-Kfiling · viewer · series
23cashus-gaap:CashAndCashEquivalentsAtCarryingValue$3.3M2026-06-302026-08-1310-Qfiling · viewer · series
24operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$1.6M2026-06-302026-08-1310-Qfiling · viewer · series
25operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$822,6232026-03-312026-05-1410-Qfiling · viewer · series
26operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$3.9M2025-09-302025-11-1310-Qfiling · viewer · series
27operating cash flowus-gaap:NetCashProvidedByUsedInOperatingActivities-$2.9M2025-06-302026-08-1310-Qfiling · viewer · series

Limitations [top]

Grade boundary. Percentile 94.9 is 14.9 points from the nearest band edge; sampling error is 2.5 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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GitHub · ezrakruger.cc
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