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Kindcard

KCRD
Software - Infrastructure · Technology
Winston Score
Winston looking sleepy
No score yet — Winston is napping.
We couldn’t gather enough financial data to score this stock reliably.

Winston Score History

The full picture

Kindcard Inc. is a small technology company that provides software tools designed to help businesses manage customer loyalty and gift card programs. Its core products are digital card and rewards platform solutions aimed at small and mid-sized businesses, such as retailers and restaurants, that want to keep customers coming back. The company operates in the software infrastructure space, meaning it builds the behind-the-scenes systems that power these programs.

Kindcard earns revenue primarily through software subscriptions and transaction-based fees when businesses use its platform to issue and redeem digital cards. It is a very small company, with a market cap near zero, and appears to operate mainly in North America. The 72.8% gross margin suggests the software business itself is efficient, but the deeply negative operating margin means the company is spending far more than it earns overall, which is a significant financial risk. The main challenge ahead is scaling its customer base fast enough to cover its operating costs before it runs out of resources.

Growth Profile

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-12.6% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+200.0% YoY

YoY Growth Rate

EPS growth accelerating

Insider Activity

49.9%ownership

Flat

Insider ownership roughly steady over the past year

Cash Position

Cash flow positive

$9,160 cash & investments

Quarterly Free Cash Flow

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Kindcard's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Profit per sale
Gross Margin
75.3%
Premium pricing power — 75.3% gross margin
Profit after running costs
Operating Margin
-80.7%
Losing money on operations — -80.7%
Return on the money invested
ROCE
N/A
Data not available

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Growth

Sales growth
Sales YoY
-13.9%
Shrinking sales (-13.9% YoY)
Profit growth
EPS YoY
N/A
Data not available
How steady the profit is
EPS Consistency
5/8 quarters
Mixed — about half the quarters showed growth

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Cash Flow

Profit that turns into cash
Cash Conversion
N/A
Data not available
Spare cash per sale
FCF Margin
17.6%
Converts sales into free cash efficiently (17.6%)

FCF margin between 10% and 20%. Every $100 in sales becomes $10 to $20 in real cash.

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Stability

What it owes vs what it owns
Debt / Equity
N/A
Data not available
Covers its interest
Interest Cover
N/A
Data not available

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Valuation

Price vs profit
P/E Ratio (TTM)
N/M
no trend
Negative earnings — P/E not meaningful
Cheaper or dearer next year
P/E vs Forward
N/A
not available
Data not available

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Dividends

Not applicable for this business.
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