ACMAT Corp

ACMAT Corp maintains a strong liquidity position with $849,130 in cash and equivalents, representing 2.94% of total assets. The company has no long-term debt, resulting in a debt-to-equity ratio of 0.0, which is significantly lower than the industry median of 0.35. This capital structure provides flexibility without the burden of interest payments or refinancing risk.

Profitability metrics indicate a modest return on equity (ROE) of 0.44% and return on assets (ROA) of 0.24%, both below the industry median of 5.2% and 2.8%, respectively. The company reported net income of $128,170 on total assets of $52,865,900, suggesting underperformance relative to peers in asset utilization and underwriting discipline.

Geographic and segment exposure is not disclosed in the available data, but the company operates as a single business unit in the property and casualty insurance space. Revenue concentration risk cannot be assessed without further segmental or geographic breakdown.

Growth trajectory appears stable, with operating income of $130,150 and free cash flow of $171,730 in the latest period. Analyst estimates suggest revenue of $19,168,000, but no forward-looking guidance is provided in the input data to assess next-year performance.

Risk assessment indicates low liquidity and dilution risk, with no immediate filing-based flags detected. The company has no dilution potential from basic shares, and the absence of long-term debt reduces refinancing risk. However, the low ROE and ROA suggest operational inefficiencies that could impact long-term value creation.

Recent events include the latest financial filing (market data), which provides the most recent operating and balance sheet data. No material events or regulatory actions are disclosed in the input data.

Operating income +260,6% YoY; Net income +209,7% YoY.

• ▍Operating income +260,6% YoY
• ▍Net income +209,7% YoY
• ▍Free cash flow +266,7% YoY

Operating income +122,0% YoY; Net income +119,0% YoY.

• ▍Operating income +122,0% YoY
• ▍Net income +119,0% YoY
• ▍Free cash flow +155,9% YoY

Operating income −88,0% YoY; Net income −99,0% YoY.

• ▍Operating income −88,0% YoY
• ▍Net income −99,0% YoY
• ▍Free cash flow −73,1% YoY

Operating income -$118.5k.

• ▍Operating income -$118.5k

Operating income $447.0k.

• ▍Operating income $447.0k

Operating income -$117.2k.

• ▍Operating income -$117.2k

Operating income $130.2k.

• ▍Operating income $130.2k

Operating income +47,0% YoY; Net income +133,9% YoY.

• ▍Operating income +47,0% YoY
• ▍Net income +133,9% YoY
• ▍Free cash flow +71,7% YoY

Operating income −15,7% YoY; Net income −53,1% YoY.

• ▍Operating income −15,7% YoY
• ▍Net income −53,1% YoY
• ▍Free cash flow −38,3% YoY

Operating income +119,8% YoY; Net income +127,6% YoY.

• ▍Operating income +119,8% YoY
• ▍Net income +127,6% YoY
• ▍Free cash flow +138,7% YoY

Operating income −230,2% YoY; Net income −253,1% YoY.

• ▍Operating income −230,2% YoY
• ▍Net income −253,1% YoY
• ▍Free cash flow −225,5% YoY

Operating income $1.6M.

• ▍Operating income $1.6M