InsiderStreet Scorecard

Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.

★ ★ ★ ★ ★ 28 Grade D

Profitability

20

Balance Sheet

27

Earnings Quality

18

Growth

77

Value

15

Momentum

71

Safety

0

Cash Flow

30

The InsiderStreet Scorecard rates companies across eight dimensions: Profitability (margins, ROA, ROE), Balance Sheet (leverage, liquidity, coverage), Earnings Quality (accruals, cash conversion), Growth (revenue and earnings trajectory), Value (P/E, P/B, earnings yield, Graham criteria), Momentum (revenue and earnings acceleration), Safety (Altman Z-Score risk adjustment), and Cash Flow (operating cash flow quality, FCF conversion, cash coverage). The overall score blends 35% quality, 35% value, and 30% momentum, with a penalty for distress-zone Altman scores. ISLV scores highest in Growth (77/100) and lowest in Safety (0/100). A grade of D flags significant fundamental concerns across multiple dimensions.

Risk & Quality Signals

Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.

Altman Z-Score

-52.49

Distress Zone

Piotroski F-Score

2/9

✗ ✗ ✗ ✓ ✗ ✗ ✗ ✗ ✓

Beneish M-Score

-28.79

Unlikely Manipulator

Ohlson O-Score

94.49

Bankruptcy prob: 100.0%

High Risk

Credit Rating

CCC

Score: 12.7/100

Trend: Deteriorating

Earnings Quality

—

OCF/NI: 0.24x

Accruals: -357.4%

The Altman Z-Score (1968) combines five ratios — working capital, retained earnings, EBIT, market value of equity, and sales, all relative to total assets or liabilities — into a single bankruptcy predictor. ISLV scores -52.49, placing it in the Distress Zone (safe > 2.99, distress < 1.81). Historically, companies in this range face elevated bankruptcy risk. The Piotroski F-Score (2000) is a 9-point binary checklist — four profitability tests (positive ROA, positive cash flow, improving ROA, cash flow exceeding net income), three leverage tests (declining debt ratio, improving current ratio, no share dilution), and two efficiency tests (improving gross margin, improving asset turnover). Each pass scores 1 point. ISLV scores 2/9, suggesting weak financial fundamentals — the company fails the majority of these accounting tests. The Beneish M-Score (1999) is an 8-variable model that detects earnings manipulation by comparing year-over-year changes in receivables, gross margins, asset quality, sales growth, depreciation, SG&A, leverage, and accruals. Scores above −1.78 statistically resemble past manipulators. ISLV's score of -28.79 falls below this threshold, suggesting earnings are unlikely to be manipulated. The Ohlson O-Score (1980) is a 9-variable logistic regression that estimates bankruptcy probability using firm size, leverage, working capital, current ratio, profitability (ROA), cash flow coverage, negative equity flag, consecutive losses flag, and earnings trajectory. The raw score is converted to a probability via logistic transformation. ISLV's implied 100.0% bankruptcy probability signals significant financial distress. Our Credit Rating model scores companies on five weighted components — solvency (30%), earning power (25%), leverage (20%), liquidity (15%), and cash flow quality (10%) — then blends the absolute score with sector and industry peer rankings. For companies with large buyback programs, equity is adjusted by adding back cumulative 5-year repurchases (capped at 80% of FCF generated) to avoid penalizing shareholder-friendly capital allocation. ISLV receives an estimated rating of CCC (score: 12.7/100), with a deteriorating trend.

Valuation

Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.

P/E

-0.00x

PEG

0.00x

P/S

0.01x

P/B

-0.00x

P/FCF

-8.35x

P/OCF

—

EV/EBITDA

-6.48x

EV/Revenue

19.12x

EV/EBIT

-6.44x

EV/FCF

-12.70x

Earnings Yield

-47.47%

FCF Yield

-11.98%

Shareholder Yield

0.00%

Graham Number

—

Equity-based multiples (P/E, P/B, P/FCF) compare the stock price to per-share fundamentals and are affected by capital structure. Enterprise value multiples (EV/EBITDA, EV/Revenue, EV/FCF) strip out debt and cash, making them more useful for cross-company comparisons regardless of how companies are financed. The Graham Number — √(22.5 × EPS × Book Value) — is Benjamin Graham's formula for the maximum price a defensive investor should pay. ISLV currently has negative earnings — the P/E ratio is not meaningful.

DuPont Decomposition (5-Factor)

The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.

Tax Burden

2.414

NI / EBT

×

Interest Burden

0.832

EBT / EBIT

×

EBIT Margin

-2.971

EBIT / Rev

×

Asset Turnover

0.784

Rev / Assets

×

Equity Multiplier

-0.214

Assets / Equity

=

ROE

100.0%

The 5-factor DuPont identity decomposes ROE as: Tax Burden × Interest Burden × EBIT Margin × Asset Turnover × Equity Multiplier = ROE. This reveals whether returns are driven by operating performance, financial leverage, or tax efficiency — three very different sources of profitability. ISLV's ROE of 100.0% is driven by Asset Turnover (0.784), indicating efficient use of assets to generate revenue. A tax burden ratio of 2.41 indicates minimal tax leakage — the company retains over 90% of pre-tax earnings.

Graham-Dodd Adjusted Valuation

Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.

Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.

Adj. Growth Rate

0.00%

Fair P/E

8.50x

Intrinsic Value

—

Price/Value

—

Margin of Safety

—

Premium

—

Profitability Trends

Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.

Leverage & Solvency Trends

Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.

Efficiency & Working Capital Trends

Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.

Growth Trends (YoY %)

Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.

Earnings Stability

R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.

Monte Carlo Price Simulation

Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 1800 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.

Current Price

$0.00

Median 1Y

$0.00

5th Pctile

$0.00

95th Pctile

$0.00

Ann. Volatility

468.9%

25th–75th percentile 5th–95th percentile Median path Historical

All Ratios & Metrics

Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.

Profitability

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
ROE	72.3%	83.3%	1.2%	1.9%	2.1%	1.6%	1.1%	100.0%	99.98%
ROA	-34.6%	-2.2%	-2.9%	-3.8%	-2.3%	-6.4%	-4.6%	-4.7%	-4.68%
ROIC	-3.6%	-90.7%	-12.7%	72.4%	-103.4%	6.9%	2.7%	1.3%	1.26%
ROCE	-30.7%	-5.8%	-2.9%	-4.3%	-6.4%	56.4%	43.0%	35.3%	35.29%
Gross Margin	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.0%	1.00%
Operating Margin	-30.2%	-2.6%	-5.2%	-4.5%	-14.5%	-3.3%	-1.6%	-1.9%	-1.93%
Net Margin	-39.0%	-3.0%	-15.1%	-8.2%	-28.4%	-6.7%	-3.6%	-3.5%	-3.47%
EBITDA Margin	-30.1%	-2.6%	-5.2%	-4.4%	-14.4%	-3.2%	-1.6%	-1.9%	-1.91%
FCF Margin	-40.0%	39.7%	-1.7%	-2.6%	-1.8%	-5.5%	-3.1%	-1.5%	-1.51%
OCF Margin	-37.6%	-5.1%	-5.6%	-5.5%	-4.6%	-5.2%	-3.0%	-1.4%	-1.41%
ROIC Economic	snapshot only								1.33%
Cash ROA	snapshot only								-1.72%
NOPAT Margin	snapshot only								-2.35%
Pretax Margin	snapshot only								-2.47%
R&D / Revenue	snapshot only								0.00%
SGA / Revenue	snapshot only								2.70%
SBC / Revenue	snapshot only								0.00%

Valuation

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
P/E Ratio	-16.30	-9.04	-4.26	-4.13	-4.35	-3.34	-3.58	-2.11	-0.001
P/S Ratio	635.16	57.76	37.57	35.87	38.52	38.37	26.82	12.57	0.010
P/B Ratio	-11.78	-7.52	-5.28	-7.75	-6.62	-4.13	-3.10	-1.49	-0.001
P/FCF	-15.90	145.33	-22.25	-13.81	-21.48	-7.01	-8.54	-8.35	-8.346
P/OCF	—	—	—	—	—	—	—	—	—
EV/EBITDA	-23.08	-12.76	-8.76	-7.05	-9.79	-9.01	-9.28	-6.48	-6.480
EV/Revenue	695.75	65.48	45.00	35.06	44.38	47.07	34.40	19.12	19.123
EV/EBIT	-23.07	-12.76	-8.75	-7.04	-9.76	-8.97	-9.23	-6.44	-6.437
EV/FCF	-17.41	164.76	-26.65	-13.50	-24.75	-8.60	-10.96	-12.70	-12.696
Earnings Yield	-6.1%	-11.1%	-23.5%	-24.2%	-23.0%	-29.9%	-27.9%	-47.5%	-47.47%
FCF Yield	-6.3%	0.7%	-4.5%	-7.2%	-4.7%	-14.3%	-11.7%	-12.0%	-11.98%
PEG Ratio	snapshot only								0.000
EV/Gross Profit	snapshot only								19.123
Shareholder Yield	snapshot only								0.00%

Leverage & Solvency

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
Current Ratio	2.76	0.77	1.66	1.18	0.75	0.06	0.03	0.05	0.049
Quick Ratio	2.76	0.77	1.66	1.18	0.75	0.06	0.03	0.05	0.049
Debt/Equity	-1.67	-1.12	-1.25	-0.00	-1.12	-0.96	-0.88	-0.79	-0.792
Net Debt/Equity	—	—	—	—	—	—	—	—	—
Debt/Assets	0.80	3.00	2.98	0.00	3.24	5.06	6.48	8.16	8.156
Debt/EBITDA	-2.98	-1.67	-1.73	-0.00	-1.44	-1.71	-2.05	-2.26	-2.260
Net Debt/EBITDA	-2.01	-1.50	-1.45	0.16	-1.29	-1.66	-2.05	-2.22	-2.220
Interest Coverage	-3.42	-4.08	-1.40	-1.35	-1.05	-0.84	-0.99	-0.99	-0.991
Equity Multiplier	-2.09	-0.37	-0.42	-0.49	-0.35	-0.19	-0.14	-0.10	-0.097
Cash Ratio	snapshot only								0.013
Debt Service Coverage	snapshot only								-0.985
Cash to Debt	snapshot only								0.018
FCF to Debt	snapshot only								-0.226
Defensive Interval	snapshot only								34.6 days

Efficiency & Turnover

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
Asset Turnover	0.01	0.35	0.33	0.44	0.26	0.55	0.61	0.78	0.784
Inventory Turnover	—	—	—	—	—	—	—	—	—
Receivables Turnover	2.00	4.07	3.98	3.36	43.87	7.73	4.78	4.13	4.125
Payables Turnover	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.00	—
DSO	182	90	92	109	8	47	76	88	88.5 days
DIO	—	—	—	—	—	—	—	—	—
DPO	—	—	—	—	—	—	—	—	—
Cash Conversion Cycle	—	—	—	—	—	—	—	—	—
Fixed Asset Turnover	snapshot only								2.763
Cash Velocity	snapshot only								8.506
Capital Intensity	snapshot only								0.818

Growth (YoY)

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
Revenue	—	—	—	—	19.2%	54.7%	43.4%	31.5%	31.54%
Net Income	—	—	—	—	-3.6%	-1.8%	-21.6%	9.6%	9.58%
EPS	—	—	—	—	-3.6%	-1.8%	-21.5%	10.9%	10.85%
FCF	—	—	—	—	9.4%	-22.3%	-1.7%	23.7%	23.69%
EBITDA	—	—	—	—	-2.0%	-57.5%	-3.4%	22.0%	21.97%
Op. Income	—	—	—	—	-2.0%	-58.1%	-3.9%	21.6%	21.57%
OCF Growth	snapshot only								66.50%
Asset Growth	snapshot only								-52.87%
Shares Change	snapshot only								1.42%

Growth Quality

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
Revenue Stability	—	—	—	—	—	—	—	—	—
Earnings Stability	—	—	—	—	—	—	—	—	—
Margin Stability	—	—	—	—	—	—	—	—	—
Rev. Growth Consistency	0.00	0.00	0.00	0.00	0.50	0.50	0.50	0.50	0.500
Earn. Growth Consistency	0.00	0.00	0.00	0.00	0.00	0.00	0.00	0.50	0.500
FCF Positive Streak	0	0	0	0	0	0	0	0	0
Earnings Persistence	—	—	—	—	—	—	—	—	—
Earnings Smoothness	—	—	—	—	—	—	—	—	—
ROE Trend	—	—	—	—	—	—	—	—	—
Gross Margin Trend	—	—	—	—	—	—	—	—	—
FCF Margin Trend	—	—	—	—	—	—	—	—	—
Sustainable Growth Rate	—	—	—	—	—	—	—	—	—
Internal Growth Rate	—	—	—	—	—	—	—	—	—

Cash Flow Quality

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
OCF/Net Income	0.96	0.79	0.63	0.64	0.52	0.45	0.40	0.24	0.236
FCF/OCF	1.06	-0.08	0.30	0.47	0.39	1.05	1.06	1.07	1.071
FCF/Net Income	snapshot only								0.252
CapEx/Revenue	2.4%	22.3%	19.4%	20.1%	20.0%	24.7%	16.8%	10.0%	9.97%
CapEx/Depreciation	snapshot only								5.133
Accruals Ratio	-0.01	-0.46	-1.08	-1.38	-1.12	-3.47	-2.77	-3.57	-3.574
Sloan Accruals	snapshot only								-7.018
Cash Flow Adequacy	snapshot only								-14.106

Dividends & Buybacks

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
Dividend Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Dividend/Share	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00	$0.00
Payout Ratio	—	—	—	—	—	—	—	—	—
FCF Payout Ratio	—	0.0%	—	—	—	—	—	—	—
Total Payout Ratio	—	—	—	—	—	—	—	—	—
Div. Increase Streak	—	—	—	—	—	—	—	—	—
Chowder Number	—	—	—	—	—	—	—	—	—
Buyback Yield	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	0.00%
Net Buyback Yield	-0.4%	-0.4%	-0.4%	-0.3%	0.0%	-0.0%	-0.0%	-0.1%	-0.05%
Total Shareholder Return	-0.4%	-0.4%	-0.4%	-0.3%	0.0%	-0.0%	-0.0%	-0.1%	-0.05%

DuPont Factors

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
Tax Burden (NI/EBT)	—	—	2.09	1.68	1.78	1.89	2.28	2.41	2.414
Interest Burden (EBT/EBIT)	-0.00	-0.00	0.82	1.04	1.10	1.16	0.88	0.83	0.832
EBIT Margin	-30.16	-5.13	-5.14	-4.98	-4.55	-5.25	-3.73	-2.97	-2.971
Asset Turnover	0.01	0.35	0.33	0.44	0.26	0.55	0.61	0.78	0.784
Equity Multiplier	-2.09	-0.37	-0.42	-0.49	-0.89	-0.25	-0.24	-0.21	-0.214

Per Share

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
EPS (Diluted TTM)	$-0.02	$-0.04	$-0.08	$-0.11	$-0.11	$-0.12	$-0.10	$-0.09	$-0.09
Book Value/Share	$-0.03	$-0.05	$-0.07	$-0.06	$-0.07	$-0.10	$-0.12	$-0.13	$-0.10
Tangible Book/Share	$-0.03	$-0.05	$-0.07	$-0.06	$-0.07	$-0.10	$-0.12	$-0.13	$-0.13
Revenue/Share	$0.00	$0.01	$0.01	$0.01	$0.01	$0.01	$0.01	$0.02	$0.01
FCF/Share	$-0.03	$0.00	$-0.02	$-0.03	$-0.02	$-0.06	$-0.04	$-0.02	$-0.06
OCF/Share	$-0.02	$-0.03	$-0.05	$-0.07	$-0.06	$-0.05	$-0.04	$-0.02	$-0.05
Cash/Share	$0.02	$0.01	$0.01	$0.01	$0.01	$0.00	$0.00	$0.00	$0.00
EBITDA/Share	$-0.02	$-0.03	$-0.05	$-0.06	$-0.06	$-0.05	$-0.05	$-0.05	$-0.05
Debt/Share	$0.06	$0.06	$0.08	$0.00	$0.08	$0.09	$0.10	$0.11	$0.11
Net Debt/Share	$0.04	$0.05	$0.07	$-0.01	$0.07	$0.09	$0.10	$0.10	$0.10

Academic Models

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
Altman Z-Score	—	—	—	—	—	—	—	—	-52.495
Altman Z-Prime	snapshot only								-162.510
Piotroski F-Score	2	2	2	2	3	2	2	2	2
Beneish M-Score	—	—	—	—	-11.08	-19.45	-19.79	-28.79	-28.786
Ohlson O-Score	snapshot only								94.485
Net-Net WC	snapshot only								$-0.14

Credit

Metric	Q3'12	Q4'12	Q1'13	Q2'13	Q3'13	Q4'13	Q1'14	Q2'14	Current
Credit Rating	snapshot only								CCC
Credit Score	20.00	14.29	20.00	20.00	14.80	12.63	12.73	12.70	12.696
Credit Grade	snapshot only								17
Credit Trend	snapshot only								-7.304
Implied Spread (bps)	snapshot only								1200.000
Industry Credit Rank	snapshot only								0
Sector Credit Rank	snapshot only								2

ISLV OTC

InsiderStreet Scorecard

Risk & Quality Signals

Valuation

DuPont Decomposition (5-Factor)

Graham-Dodd Adjusted Valuation

Profitability Trends

Leverage & Solvency Trends

Efficiency & Working Capital Trends

Growth Trends (YoY %)

Earnings Stability

Monte Carlo Price Simulation

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