Zerify, Inc.

Earnings Score
Safety Score

Market Cap $211.22K
Debt $3.38M
Cash $34.00K
EV $3.55M
FCF -$3.13M

Earnings

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Sales & Net Margins

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Earnings	-$25.34M
EBIT	-$4.09M
ROA	-4K%
FCF	-$3.13M
Equity	-$16.62M
Growth Stability	1
PE	-0.01
PB	-0.01
P/FCF	-0.07
P/S	2.32
Price/Cash	0.16
Debt/Equity	-0.2
Debt/FCF	-1.08
Net Margins	-33K%
Op. Margins	-4K%
Earnings CAGR	0%
Sales Growth YoY	14%
Sales Growth QoQ	32%
Sales CAGR	-15%
Earnings Stability	-0.08

Earnings Growth YoY	1K%
Earnings Growth QoQ	491%
Sales CAGR 5Y	-32%
Earnings CAGR 3Y	-31%
Sales CAGR 3Y	-31%
Market Cap	$211.22K
Revenue	$91.00K
Assets	$91.00K
Total Debt	$3.38M
Cash	$34.00K
Shares Outstanding	2.11B
EV	3.55M
Earnings Score	6%
Safety Score	33%
Working Capital	-17.45M
Current Ratio	0
Shares Growth 3y	24%
Equity Growth QoQ	4%
Equity Growth YoY	28%

Assets & ROA

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Stockholders Equity & ROE

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Zerify, Inc. provides software development and services worldwide. The company develops and licenses various identification protection software products to protect computer networks from unauthorized access, as well as to protect network owners and users from cyber security attacks and data breaches. It offers ProtectID, an authentication platform to authenticate computer network users by various methods, including traditional passwords combined with a telephone, iPhone, Droid, Blackberry, PDA, multiple computer secure sessions, biometric identification, and encrypted devices, as well as through a push authentication method; and GuardedID that prevents the use of spyware/malware to collect user information.

SEC Filings

Direct access to Zerify, Inc. (ZRFY) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2023
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2021
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Zerify, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Zerify, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

CAGR 0%

Stability -8%

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Zerify, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Zerify, Inc..

Years

Calculation mode

= -$31M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	-$3.1M	-$3.1M	-$3.1M	-$3.1M	-$3.1M	-$3.1M	-$3.1M	-$3.1M	-$3.1M	-$3.1M	-$3.1M	-$31M
DCF		-$2.8M	-$2.6M	-$2.3M	-$2.1M	-$1.9M	-$1.8M	-$1.6M	-$1.5M	-$1.3M	-$1.2M	-$12M
Value	-$31M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	TTM
Net Margins	-1K%	-666%	765%	-1K%	-2K%	-488%	-5K%	-9K%	-10K%	-33K%
ROA	-	-1K%	295%	-443%	-2K%	-490%	-712%	-440%	-3K%	-4K%
ROE	-	13%	-35%	30%	29%	26%	75%	161%	76%	-

Bad Net Margins (-32.91K%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	TTM
Debt over FCF	-	-3.1	0.71	-1	-1.09	-1.74	-1.05	-0.64	-0.66	-1.08
Debt over Equity	-0.16	-0.19	-0.2	-0.16	-0.17	-0.16	-0.18	-0.18	-0.2	-0.2
Growth Stability	-	-	-	-	-	-	-	-	-	1

Good Debt/FCF ratio (-1.08)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (-0.2)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (1)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2014	12/2015	12/2016	12/2017	12/2018	12/2019	12/2020	12/2021	12/2022	CAGR 5Y
Revenue YoY growth	-	-16%	42%	-29%	-15%	228%	-73%	-7%	-47%	-32%
Earnings YoY growth	-	-46%	-263%	-210%	19%	-2%	169%	71%	-39%	-
Equity YoY growth	-	13%	-39%	28%	23%	11%	-8%	-21%	30%	-
FCF YoY growth	-	-26%	-381%	-171%	18%	-32%	63%	36%	40%	-