FINV

• PassReturn on equity 15%+Earns a lot on the money owners have in the business.16.3%
• PassDebt under half of equityNot relying on borrowed money.0.01x equity
• PassNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.18.7%
• PassProfitable every yearSteady profits, not one good year.9 of 9 years
• PassFree cash flow positiveBrings in more cash than it spends to run and grow.$255.0M
• PassShare count not growingNot diluting owners. Falling means buybacks.-8.3% in 3 years

Revenue

$1.9B

+8.4% vs prior year

5-year growth

+10.9%/yr

revenue, per year

Total debt

$12.8M

0.01x equity

Free cash flow

$255.0M

13.1% of revenue

From annual reports filed with the SEC. Gross margin doesn't apply to banks and insurers, so it isn't scored. A checklist is a starting point for research, not a verdict.