Financial Analysis
Filing-based analysis. Market pricing is not included. Fundamentals from SEC filings; economic data from FRED and the BLS. About our data
Filing evidence summary
Constructive evidenceCoverage 2/5 core metrics2 filing-based checks were evaluable.
Backward-looking filed evidence under visible rules - not a rating, forecast or investment advice. Missing data is never scored.
Evidence signals
- No current rule-based risk flags
2 filing-based checks were evaluable.
Why this surfaced
The full financial analysis shows each value, threshold, and sector limitation.
- Revenue expanded
Latest reported annual revenue changed +6.6% from the prior reported annual observation.
Why this surfaced
Direction threshold: above +2% constructive; below -2% caution; otherwise monitor. This is not labeled one-year growth when filing periods have a gap. Period end 2025-12-31.
- Free cash flow was positive
Latest reported free cash flow was $83M.
Why this surfaced
Free cash flow = operating cash flow minus capital expenditures; positive is supporting evidence, not a valuation conclusion. Period end 2011-12-31.
Core trend metrics
Hover a tile for its exact definition; the Statements tab carries per-cell filing citations.
Where to look next
Risk checks
Financial movement
- Cash→ flat
- Long-term debt→ flat
- Inventory→ flat
- Receivables→ flat
- Current assets→ flat
Source & freshness
- Source
- SEC EDGAR XBRL
- Fetched
- 2026-09-06
- Latest period end
- 2025-12-31
- Filings
- EDGAR ↗
Reported segment mix
figures as filed · share of the filed sum · change vs the prior period in the same filing- Term Life Insurance Segment Revenues$1.82B55.3%+2.9% yoy
- Investment And Savings Products Segment Revenues$1.25B37.9%+18.1% yoy
- Corporate And Other$224M6.8%-15.3% yoy
Members sum to the consolidated $3.29B for this period.
- United States$2.85B86.6%+5.8% yoy
- Canada$441M13.4%+11.6% yoy
Members sum to the consolidated $3.29B for this period.
- Term Life Insurance Segment Revenues$465M53.2%+1.5% yoy
- Investment And Savings Products Segment Revenues$351M40.2%+20.6% yoy
- Corporate And Other$57.4M6.6%+2.2% yoy
Change is against the same quarter a year earlier, as reported in the same 10-Q.
Source: SEC DERA Financial Statement and Notes data sets. Dimensional XBRL facts on the business-segment, product/service and geographic axes; the engine keeps the accession of every figure. Descriptive and educational, not advice.
Peer percentiles
latest fiscal year ending 2025-12-31 · among 4,122 US-listed filers · 907 in Financials| Metric | Value | vs all filers | vs sector |
|---|---|---|---|
Revenue latest fiscal-year revenue as filed | $3.3B | 75thof 3,301 top third | 82ndof 541 top third |
Revenue growth latest fiscal-year revenue vs the prior fiscal year | 6.6% | 51stof 3,135 middle third | 48thof 518 middle third |
Stock comp ÷ revenue stock-based compensation ÷ revenue · lower is ranked higher | 0.8% | 76thof 2,895 top third | 87thof 422 top third |
Balance-sheet accrual ratio change in net operating assets ÷ average net operating assets · lower is ranked higher | 7.3% | 44thof 3,059 middle third | 51stof 734 middle third |
Each filer's latest fiscal year as stored by the nightly crawl; fiscal year ends differ across the universe. A metric ranks only filers for which it is computable from filed facts. Ties split; a rank reads "better than N% of filers" in the metric's own direction. Descriptive and educational, not a rating.
Earnings quality
latest fiscal year ending 2025-12-31 · accruals and cash conversion as filedPer fiscal year from filed facts: cash conversion = operating cash flow / net income (net income > 0); cash-flow accrual ratio = (net income - operating cash flow) / average total assets; balance-sheet accrual ratio = change in net operating assets / average net operating assets, NOA = (assets - cash) - (liabilities - debt). Descriptive; a missing input yields a missing ratio. High accrual ratios and cash conversion well below one are the measures the accruals literature associates with less persistent earnings; they are screens to read the cash-flow statement with, not conclusions. The per-year series is part of Pro risk analysis.
Point-in-time ledger
first-reported vs latest filing · periods since 2020-01-01 · 24 changed periods| Line item | Period | First reported | Latest filing | Change | Filings |
|---|---|---|---|---|---|
| Intangibles IntangibleAssetsNetExcludingGoodwill | balance at 2023-12-31 | $175M 10-K 2024-02-28 | $45.3M 10-K 2025-02-28 | -74.1% | first · latest · 5 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2021-12-31 | $2.08B 10-K 2022-03-01 | $925M 10-K 2024-02-28 | -55.6% | first · latest · 9 filings carry it |
| Net income NetIncomeLoss | quarter 2022-09-30 | $51.8M 10-Q 2022-11-09 | $79.6M 10-Q 2023-11-08 | +53.6% | first · latest |
| Net income NetIncomeLoss | quarter 2022-03-31 | $81.4M 10-Q 2022-05-06 | $115M 10-Q 2023-05-09 | +41.3% | first · latest |
| Net income NetIncomeLoss | fiscal year 2021-12-31 | $373M 10-K 2022-03-01 | $477M 10-K 2024-02-28 | +27.9% | first · latest · 3 filings carry it |
| Net income NetIncomeLoss | fiscal year 2022-12-31 | $373M 10-K 2023-02-28 | $472M 10-K 2025-02-28 | +26.6% | first · latest · 3 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2022-03-31 | $1.93B 10-Q 2022-05-06 | $1.43B 10-Q 2023-05-09 | -25.5% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2022-09-30 | $1.62B 10-Q 2022-11-09 | $1.98B 10-Q 2023-11-08 | +22.2% | first · latest |
| Net income NetIncomeLoss | quarter 2022-06-30 | $108M 10-Q 2022-08-09 | $128M 10-Q 2023-08-08 | +18.5% | first · latest |
| Stockholders' equity StockholdersEquity | balance at 2022-12-31 | $1.72B 10-K 2023-02-28 | $2.03B 10-K 2025-02-28 | +18.0% | first · latest · 6 filings carry it |
| Total liabilities Liabilities | balance at 2022-12-31 | $13.6B 10-K 2023-02-28 | $12.6B 10-K 2024-02-28 | -7.5% | first · latest · 5 filings carry it |
| Total assets Assets | balance at 2022-12-31 | $15.3B 10-K 2023-02-28 | $14.6B 10-K 2024-02-28 | -4.6% | first · latest · 5 filings carry it |
| Cash CashAndCashEquivalentsAtCarryingValue | balance at 2023-12-31 | $613M 10-K 2024-02-28 | $594M 10-K 2025-02-28 | -3.1% | first · latest · 5 filings carry it |
| Revenue Revenues | quarter 2023-03-31 | $690M 10-Q 2023-05-09 | $671M 10-K 2025-02-28 | -2.7% | first · latest · 3 filings carry it |
| Net income NetIncomeLoss | quarter 2023-03-31 | $125M 10-Q 2023-05-09 | $128M 10-Q 2024-05-07 | +2.4% | first · latest |
| Revenue Revenues | fiscal year 2023-12-31 | $2.82B 10-K 2024-02-28 | $2.75B 10-K 2026-02-27 | -2.4% | first · latest · 3 filings carry it |
| Revenue Revenues | fiscal year 2022-12-31 | $2.72B 10-K 2023-02-28 | $2.66B 10-K 2025-02-28 | -2.3% | first · latest · 3 filings carry it |
| Revenue Revenues | quarter 2023-06-30 | $688M 10-Q 2023-08-08 | $673M 10-K 2025-02-28 | -2.2% | first · latest · 3 filings carry it |
| Revenue Revenues | quarter 2023-09-30 | $711M 10-Q 2023-11-08 | $697M 10-K 2025-02-28 | -1.9% | first · latest · 3 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2022-06-30 | $1.78B 10-Q 2022-08-09 | $1.81B 10-Q 2023-08-08 | +1.9% | first · latest |
| Revenue Revenues | quarter 2024-06-30 | $803M 10-Q 2024-08-08 | $791M 10-Q 2025-08-07 | -1.6% | first · latest · 3 filings carry it |
| Stockholders' equity StockholdersEquity | balance at 2023-03-31 | $1.92B 10-Q 2023-05-09 | $1.95B 10-Q 2024-05-07 | +1.3% | first · latest |
| Revenue Revenues | quarter 2024-03-31 | $743M 10-Q 2024-05-07 | $736M 10-Q 2025-05-08 | -0.9% | first · latest · 3 filings carry it |
| Share repurchases PaymentsForRepurchaseOfCommonStock | fiscal year 2024-12-31 | $428M 10-K 2025-02-28 | $425M 10-K 2026-02-27 | -0.8% | first · latest |
First filing reporting each period vs the latest filing carrying it (10-K and 10-Q only, periods since 2020, the extractor's winning tag per concept); a change under 0.5% is treated as rounding. A change can be a restatement, a reclassification or a re-tagging in a later comparative column; the two filings are linked so the reader can see which. Descriptive, not a verdict.
Notes by disclosure type
Not available for PRI yet: no footnote text blocks on file for this filer in the ingested DERA files.
Fundamentals from SEC EDGAR. Scores, the DCF, and every model shown are educational analysis, not investment advice or price predictions.