{ "ok": true, "cik": "1424657", "ticker": "CUEN", "name": "CUENTAS, INC.", "filings": [ { "form": "8-K", "filed": "2026-09-23", "items": [ "1.01 Entry into a Material Definitive Agreement", "2.03 Creation of a Direct Financial Obligation", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1424657/000121390026102445/0001213900-26-102445-index.htm" }, { "form": "10-Q", "filed": "2026-09-03", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1424657/000121390026097154/0001213900-26-097154-index.htm" }, { "form": "8-K", "filed": "2026-06-30", "items": [ "1.01 Entry into a Material Definitive Agreement", "3.03 Material Modifications to Rights of Security Holders", "8.01 Other Events", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1424657/000121390026073668/0001213900-26-073668-index.htm" }, { "form": "8-K", "filed": "2026-06-12", "items": [ "5.02 Departure or Election of Directors; Appointment of Officers", "9.01 Financial Statements and Exhibits" ], "url": "https://www.sec.gov/Archives/edgar/data/1424657/000121390026068022/0001213900-26-068022-index.htm" }, { "form": "10-Q", "filed": "2026-06-08", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1424657/000121390026066154/0001213900-26-066154-index.htm" }, { "form": "10-K", "filed": "2026-04-23", "items": [], "url": "https://www.sec.gov/Archives/edgar/data/1424657/000121390026046789/0001213900-26-046789-index.htm" } ], "events12m": 7, "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001424657.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1424657" }, "license": "Figures as filed with the SEC. Card text CC BY 4.0, POPS4.", "notAdvice": "Reporting, not investment advice. No price targets, no buy or sell views.", "edgar": "🫧 Edgar looked up CUENTAS, INC. ($CUEN). Last filing: 8-K (1.01 Entry into a Material Definitive Agreement), 2026-09-23. 7 event filings (8-K) in the past twelve months.", "auditor": { "changes": [], "nonReliance": [], "restatedSince": null }, "metrics": { "fiscalYearEnd": "2024-12-31", "revenue": 676000, "revenueGrowth1y": -0.711849957374254, "revenueGrowthPerYear": 0.049127145457110055, "yearsOfData": 5, "operatingMargin": -2.948224852071006, "operatingMarginPrior": -2.7318840579710146, "netMargin": -4.894970414201183, "operatingCashFlow": -598000, "capitalSpending": null, "freeCashFlow": null, "researchAndDevelopment": null, "researchShareOfRevenue": null, "cash": 15000, "longTermDebt": null, "longTermDebtChange": null, "revenueHistory": [ { "fiscalYearEnd": "2020-12-31", "revenue": 558000 }, { "fiscalYearEnd": "2021-12-31", "revenue": 593000 }, { "fiscalYearEnd": "2022-12-31", "revenue": 2994000 }, { "fiscalYearEnd": "2023-12-31", "revenue": 2346000 }, { "fiscalYearEnd": "2024-12-31", "revenue": 676000 } ], "totalEquity": -3170000, "totalAssets": 1111000, "equityRatio": -2.8532853285328534, "returnOnEquity": null, "dividendsPaid": null, "payoutRatio": null, "dividendPerShare": null, "dividendYearsRising": null, "dividendCut": null, "priceBased": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown.", "earningsPerShare": -1.22, "sharesOutstanding": 2719668, "bookValuePerShare": -1.1655834462147585, "revenuePerShare": 0.24855975067545008, "range80": { "low": 185115.76627322473, "high": 1066614.193566341, "baseline": 450480.8795957029, "n": 2483, "band": "b000", "bandLabel": "under $50M", "method": "v4.1", "credibility": 0.5, "growthYears": 4, "ownVolatility": 0.5586954496290645, "classVolatility": 0.3000583276631395, "volatility": 0.44842814666132547 }, "ifPaceHeld": { "low": 185115.76627322473, "high": 1066614.193566341 } }, "edgarette": "🔖 Exposure: revenue $676K (FY2024). Experience: revenue down 71.2% on the year, up 4.9% a year over 4 years; operating margin -294.8%, down from -273.2%. Soundness: equity -285.3% of assets (liabilities exceed assets). Credibility: four or more audited years, reasonable weight. Range: 80% of past cases like this landed between $185K and $1.1M next year (method v4.1: its own 4-year record of growth weighed at 50% against under $50M filers; on a year the method never saw, 83.4% landed inside). In a shock year the stress range is $164K to $1.2M. A range, not a forecast. Against peers (30 filers, $50M+ revenue, its industry group): operating margin -294.8% against a 1.4% median; growth -71.2% against 0.9%.", "peers": { "sic": 5140, "sicDescription": "Wholesale-Groceries & Related Products", "calendarYear": 2025, "minRevenue": 50000000, "depth": 2, "group": "51", "growth": [ 0.0089, 31 ], "opMargin": [ 0.014, 30 ], "equityRatio": [ 0.2989, 28 ], "returnOnEquity": [ -0.0465, 21 ], "payoutRatio": [ 0.2988, 10 ] }, "summary": "Cuentas (CUEN) saw revenue fall 71.2% in FY2024 to $1 million, operating margin -295% against a 1.4% median for wholesale-groceries & related products, equity -285% of assets. Every figure is from the company’s own annual report filed with the SEC.", "chart": "
CUENTAS, INC. against its own record and its peers
Operating marginPeer median 1.4%-294.8%Revenue, on the yearPeer median 0.9%-71.2%Equity of assetsPeer median 29.9%-285.3%Gold tick: the median of 28–28 peers with $50M+ revenue in wholesale-groceries & related products
", "chartHorizon": null, "backtest": { "tests": 8, "hits": 2, "rate": 0.25, "method": "v4", "byYear": { "2017": [ 0, 1 ], "2018": [ 0, 1 ], "2019": [ 0, 1 ], "2020": [ 1, 1 ], "2021": [ 1, 1 ], "2022": [ 0, 1 ], "2023": [ 0, 1 ], "2024": [ 0, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "schema": "pops4.edgarette.card/1", "card": { "summary": "Cuentas (CUEN) saw revenue fall 71.2% in FY2024 to $1 million, operating margin -295% against a 1.4% median for wholesale-groceries & related products, equity -285% of assets. Every figure is from the company’s own annual report filed with the SEC.", "exposure": { "fiscalYearEnd": "2024-12-31", "revenue": 676000, "totalDebt": null, "cash": 15000 }, "experience": { "revenueGrowth1y": -0.711849957374254, "revenueGrowthPerYear": 0.049127145457110055, "operatingMargin": -2.948224852071006, "operatingMarginPrior": -2.7318840579710146, "netMargin": -4.894970414201183, "freeCashFlow": null }, "soundness": { "equityRatio": -2.8532853285328534, "returnOnEquity": null, "payoutRatio": null, "dividendPerShare": null, "dividendYearsRising": null, "dividendCut": null, "note": "Dividend yield, price/earnings and price/book need a share price. The boards carry filings only, so they are not shown." }, "peers": { "sic": 5140, "sicDescription": "Wholesale-Groceries & Related Products", "calendarYear": 2025, "minRevenue": 50000000, "depth": 2, "group": "51", "growth": [ 0.0089, 31 ], "opMargin": [ 0.014, 30 ], "equityRatio": [ 0.2989, 28 ], "returnOnEquity": [ -0.0465, 21 ], "payoutRatio": [ 0.2988, 10 ] }, "credibility": { "auditedYears": 5, "weight": "reasonable", "standard": "ASOP No. 25", "nonReliance": null, "auditorChange": null }, "range": { "low": 185115.76627322473, "high": 1066614.193566341, "baseline": 450480.8795957029, "coverage": 0.8, "method": "v4.1", "basis": "next fiscal year revenue: baseline = revenue x (1 + mean of one-year and three-year pace); width = the company's own volatility of yearly growth, credibility-weighted against its size class (Buhlmann), scaled to the 80% target on 2023 and tested on 2024", "calibratedOn": { "companyYears": 2483, "sizeBand": "under $50M", "fitYears": [ 2018, 2022 ], "tuneYear": 2023, "testYear": 2024, "coverageOnTestYear": 0.8341 }, "credibility": { "weightOnOwnRecord": 0.5, "growthYears": 4, "ownVolatility": 0.5586954496290645, "classVolatility": 0.3000583276631395, "pricedVolatility": 0.44842814666132547, "k": 3 }, "stress": { "low": 164167.51064864712, "high": 1207748.1045285924, "basis": "the same range with widths set to hold 80% across 2018-2023, pandemic years included" }, "kind": "a calibrated range, not a forecast; no view on the share price", "track": { "backtest": { "tests": 8, "hits": 2, "rate": 0.25, "method": "v4", "byYear": { "2017": [ 0, 1 ], "2018": [ 0, 1 ], "2019": [ 0, 1 ], "2020": [ 1, 1 ], "2021": [ 1, 1 ], "2022": [ 0, 1 ], "2023": [ 0, 1 ], "2024": [ 0, 1 ] }, "note": "hindsight: the same credibility-weighted range on the company's own past years. Years 2018-2023 were used to fit or tune the method, so only 2025 outcomes are fully out of sample." }, "registry": null, "scorecard": "https://www.pops4.com/boards/scorecard" } }, "caution": "Figures are as filed in audited 10-K reports and can move with restatements, acquisitions, disposals or a change in fiscal year. A range set from how past company-years turned out is not a promise about the next one, and says nothing about the share price.", "sources": { "facts": "https://data.sec.gov/api/xbrl/companyfacts/CIK0001424657.json", "filings": "https://www.sec.gov/cgi-bin/browse-edgar?action=getcompany&CIK=1424657" } }, "definitions": { "operatingMargin": "Operating income divided by revenue.", "netMargin": "Net income divided by revenue.", "freeCashFlow": "Cash from operations minus spending on property and equipment.", "researchShareOfRevenue": "Research and development expense for the year as a share of revenue, both as filed.", "equityRatio": "Shareholders equity as a share of total assets, both as filed. Higher means less of the company is owed to someone else.", "returnOnEquity": "Net income for the year against shareholders equity at year end.", "payoutRatio": "Dividends paid as a share of net income, in the year the cash went out.", "dividendYearsRising": "Consecutive years, counted back from the last on record, in which dividend per share rose. A fall ends the run and is reported as dividendCut.", "revenueGrowthPerYear": "Compound annual growth between the first and latest fiscal years shown.", "credibility": "How much weight a record deserves, in the actuarial sense (ASOP No. 25): more audited years, more weight.", "peers": "Medians of SEC filers with $50M+ revenue in the same industry code (SIC), narrowest group with at least 8 filers, calendar-year figures from SEC XBRL frames.", "backtest": "The same if-the-pace-held arithmetic applied to the company's own past years, scored against what it actually reported next. Hindsight, and labelled so." } }