Plutus Financial Group Financials
This page shows Plutus Financial Group (PLUT) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 2 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
A cash cushion and light leverage are funding a business whose operating burn still overwhelms its current revenue base.
In FY2024, the net loss translated into real cash use: net income was-$710K while operating cash flow was-$1.04M , so the shortfall was not mainly an accounting artifact. Because capital spending was only$167K , the free cash flow deficit of-$1.21M points to a business consuming cash to run itself rather than one temporarily drained by expansion assets.
The balance sheet looks liquid in the near term: cash of
The operating model is under-scaled: revenue of
Financial Health Signals
Based on FY2025 annual data, averaged across the last 3 years for performance metrics (most-recent year weighted highest). How this score is calculated →
Health score ≠ stock price. This rates the quality of Plutus Financial Group's business: profitability, growth, balance sheet strength. It doesn't tell you whether the stock is a good buy at today's price. Not financial advice. Use it alongside valuation analysis and your own research.
Plutus Financial Group has an operating margin of -319.3%, meaning the company retains $-319 of operating profit per $100 of revenue. This below-average margin results in a low score of 0/100, suggesting thin profitability after operating expenses. This is down from -74.1% the prior year.
Plutus Financial Group's revenue grew 6.9% year-over-year to $1.3M, a solid pace of expansion. This earns a growth score of 45/100.
Plutus Financial Group carries a low D/E ratio of 0.37, meaning only $0.37 of long-term debt for every $1 of shareholders' equity. This conservative leverage earns a score of 94/100, indicating a strong balance sheet with room for future borrowing.
With a current ratio of 3.45, Plutus Financial Group holds $3.45 in current assets for every $1 of short-term obligations. This comfortable liquidity earns a score of 67/100.
While Plutus Financial Group generated -$10.3M in operating cash flow, capex of $5K consumed most of it, leaving -$10.3M in free cash flow. This results in a low score of 0/100, reflecting heavy capital investment rather than weak cash generation.
Plutus Financial Group generates a -45.2% ROE, indicating limited profit relative to shareholders' investment. This results in a returns score of 0/100. This is down from -10.0% the prior year.
Plutus Financial Group passes 0 of 9 financial strength tests. No profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution), neither operating efficiency signal passes.
For every $1 of reported earnings, Plutus Financial Group generates $2.04 in operating cash flow (-$10.3M OCF vs -$5.1M net income). This low ratio suggests earnings are primarily driven by accounting accruals rather than cash generation, which may not be sustainable.
Key Financial Metrics
Earnings & Revenue
Plutus Financial Group generated $1.3M in revenue in fiscal year 2025. This represents an increase of 6.9% from the prior year.
Plutus Financial Group's EBITDA was -$4.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization. This represents a decrease of 355.5% from the prior year.
Plutus Financial Group reported -$5.1M in net income in fiscal year 2025. This represents a decrease of 612.5% from the prior year.
Plutus Financial Group earned $-0.35 per diluted share (EPS) in fiscal year 2025. This represents a decrease of 483.3% from the prior year.
Cash & Balance Sheet
Plutus Financial Group generated -$10.3M in free cash flow in fiscal year 2025, representing cash available after capex. This represents a decrease of 753.0% from the prior year.
Plutus Financial Group held $1.7M in cash against $0 in long-term debt as of fiscal year 2025.
Plutus Financial Group had 15M shares outstanding in fiscal year 2025. This represents an increase of 27.9% from the prior year.
Margins & Returns
Plutus Financial Group's operating margin was -319.3% in fiscal year 2025, reflecting core business profitability. This is down 245.2 percentage points from the prior year.
Plutus Financial Group's net profit margin was -377.3% in fiscal year 2025, showing the share of revenue converted to profit. This is down 320.7 percentage points from the prior year.
Plutus Financial Group's ROE was -45.2% in fiscal year 2025, measuring profit generated per dollar of shareholder equity. This is down 35.2 percentage points from the prior year.
Capital Allocation
Plutus Financial Group invested $5K in capex in fiscal year 2025, funding long-term assets and infrastructure. This represents a decrease of 97.0% from the prior year.
PLUT Income Statement
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Revenue | N/A | N/A |
| Cost of Revenue | N/A | N/A |
| Gross Profit | N/A | N/A |
| R&D Expenses | N/A | N/A |
| SG&A Expenses | N/A | N/A |
| Operating Income | N/A | N/A |
| Interest Expense | N/A | N/A |
| Income Tax | N/A | N/A |
| Net Income | N/A | N/A |
| EPS (Diluted) | N/A | N/A |
PLUT Balance Sheet
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Total Assets | $15.3M+66.0% | $9.2M |
| Current Assets | $14.3M+71.8% | $8.3M |
| Cash & Equivalents | $1.7M-57.8% | $3.9M |
| Inventory | N/A | N/A |
| Accounts Receivable | N/A | N/A |
| Goodwill | N/A | N/A |
| Total Liabilities | $4.1M+94.8% | $2.1M |
| Current Liabilities | $4.1M+107.3% | $2.0M |
| Long-Term Debt | N/A | N/A |
| Total Equity | $11.2M+57.3% | $7.1M |
| Retained Earnings | -$6.1M-493.9% | -$1.0M |
PLUT Cash Flow Statement
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Operating Cash Flow | N/A | N/A |
| Capital Expenditures | N/A | N/A |
| Free Cash Flow | N/A | N/A |
| Investing Cash Flow | N/A | N/A |
| Financing Cash Flow | N/A | N/A |
| Dividends Paid | N/A | N/A |
| Share Buybacks | N/A | N/A |
PLUT Financial Ratios
| Metric | Q4'25 | Q4'24 |
|---|---|---|
| Gross Margin | N/A | N/A |
| Operating Margin | N/A | N/A |
| Net Margin | N/A | N/A |
| Return on Equity | N/A | N/A |
| Return on Assets | N/A | N/A |
| Current Ratio | 3.45-0.7 | 4.16 |
| Debt-to-Equity | 0.37+0.1 | 0.30 |
| FCF Margin | N/A | N/A |
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Frequently Asked Questions
What is Plutus Financial Group's annual revenue?
Plutus Financial Group (PLUT) reported $1.3M in total revenue for fiscal year 2025. This represents a 6.9% change compared to the previous fiscal year. Revenue measures the total income earned from the company's primary business operations before any expenses are deducted.
How fast is Plutus Financial Group's revenue growing?
Plutus Financial Group (PLUT) revenue grew by 6.9% year-over-year, from $1.3M to $1.3M in fiscal year 2025.
Is Plutus Financial Group profitable?
No, Plutus Financial Group (PLUT) reported a net income of -$5.1M in fiscal year 2025, with a net profit margin of -377.3%.
What is Plutus Financial Group's EBITDA?
Plutus Financial Group (PLUT) had EBITDA of -$4.0M in fiscal year 2025, measuring earnings before interest, taxes, depreciation, and amortization.
What is Plutus Financial Group's operating margin?
Plutus Financial Group (PLUT) had an operating margin of -319.3% in fiscal year 2025, reflecting the profitability of core business operations before interest and taxes.
What is Plutus Financial Group's net profit margin?
Plutus Financial Group (PLUT) had a net profit margin of -377.3% in fiscal year 2025, representing the share of revenue converted into profit after all expenses.
What is Plutus Financial Group's return on equity (ROE)?
Plutus Financial Group (PLUT) has a return on equity of -45.2% for fiscal year 2025, measuring how efficiently the company generates profit from shareholder equity.
What is Plutus Financial Group's free cash flow?
Plutus Financial Group (PLUT) generated -$10.3M in free cash flow during fiscal year 2025. This represents a -753.0% change compared to the previous fiscal year. Free cash flow represents the cash a company generates after accounting for capital expenditures, and is widely used to assess financial flexibility and shareholder value.
What is Plutus Financial Group's operating cash flow?
Plutus Financial Group (PLUT) generated -$10.3M in operating cash flow during fiscal year 2025, representing cash generated from core business activities.
What are Plutus Financial Group's total assets?
Plutus Financial Group (PLUT) had $15.3M in total assets as of fiscal year 2025, including both current and long-term assets.
What are Plutus Financial Group's capital expenditures?
Plutus Financial Group (PLUT) invested $5K in capital expenditures during fiscal year 2025, funding long-term assets and infrastructure.
What is Plutus Financial Group's current ratio?
Plutus Financial Group (PLUT) had a current ratio of 3.45 as of fiscal year 2025, which is generally considered healthy.
What is Plutus Financial Group's debt-to-equity ratio?
Plutus Financial Group (PLUT) had a debt-to-equity ratio of 0.37 as of fiscal year 2025, measuring the company's financial leverage by comparing total debt to shareholder equity.
What is Plutus Financial Group's return on assets (ROA)?
Plutus Financial Group (PLUT) had a return on assets of -33.0% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is Plutus Financial Group's cash runway?
Based on fiscal year 2025 data, Plutus Financial Group (PLUT) had $1.7M in cash against an annual operating cash burn of $10.3M. This gives an estimated cash runway of approximately 2 months at the current burn rate. Cash runway measures how long a company can continue operating before running out of cash, assuming no additional funding.
What is Plutus Financial Group's Piotroski F-Score?
Plutus Financial Group (PLUT) has a Piotroski F-Score of 0 out of 9, indicating weak financial health. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are Plutus Financial Group's earnings high quality?
Plutus Financial Group (PLUT) has an earnings quality ratio of 2.04x, considered low quality (accrual-driven). This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
How financially healthy is Plutus Financial Group?
Plutus Financial Group (PLUT) scores 34 out of 100 on our Financial Profile, indicating weak overall financial health. This composite score evaluates six dimensions: profitability (operating margin), revenue growth, leverage (debt-to-equity), liquidity (current ratio), cash flow quality (free cash flow margin), and shareholder returns (return on equity). Each dimension is normalized against standard financial benchmarks. Learn more in our complete guide to financial health indicators.