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BALCAO · RETAIL-MISCELLANEOUS SHOPPING GOODS STORES · SMALL CAP

Kindcard, Inc. KCRD

9 fiscal years on record · USD · FY2025 reported · SEC filings only
$365,708
▼ 11.0% YoY
$-210,436

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

In brief

What this company does

The Company, through its wholly owned operating subsidiaries, Deb, Inc. and Tendercard, Inc., is an innovative FinTech and PayTech company which provides traditional payment solutions along with alternative Closed-Loop payment solutions to consumers and businesses across a wide variety of verticals worldwide. Deb, Inc. is transforming credit card and digital payment solutions across the world. Tendercard, Inc. provides independent merchants with a gift card and loyalty platform, allowing businesses to purchase their own proprietary gift card program to promote and sell to their own customers, where their customers can also earn points. Tendercard’s gift card and loyalty platform replaces paper gift certificates and all manual recordkeeping with an electronic accounting and reporting system hosted by Tendercard. In our partnership with Viacarte Deb has the ability to issue Virtual and In-Wallet Signature Visa™ cards worldwide. Deb, Inc. is an “alternative payment” platform to traditional payments made via traditional credit cards both in-store or online.

Written from the business description in Kindcard, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 19 May 2026. Every sentence was checked against that document before publication.

Growth

USD 365,708.00
Revenue, FY2025 · full 9-year series below
Revenue $ Net income $
FY2025 · Revenue 365708.0 · Net income -210436.0
250000.0500000.0-150000.0-300000.0
2017202020232025
Compound annual growth
−14.9%
+467.7%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at +467.7% a year over the five years to FY2025.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability

−58 cents
lost on every revenue dollar
Operating margin Net margin
FY2025 · Operating -88.1% · Net -57.5%
-20000%-40000%
201720212025
ROE

Not applicable: equity was zero or negative in this period, so return on equity has no meaning.

Three returns, three denominators.
Return on equityNot applicable: equity was zero or negative in this period, so return on equity has no meaning.
Return on capital employedNot applicable: capital employed was zero or negative in this period, so return on capital employed has no meaning.
Gross margin73.5%
Operating margin-88.1%
Net margin-57.5%
EBITDAUSD -320,099.00

Cash & shareholders

·
returned in FY2025 · dividends + net buybacks
Free cash flow $
FY2021 · FCF -123830.0
-50000-100000
201720212025

Total assetsUSD 51,413.00
EquityUSD -1.1M
CashUSD 9,160.00
Gross debtUSD 158,427.00
Net debtUSD 149,267.00
Current ratio0.04×

Equity was zero or negative — liabilities equaled or exceeded assets. No ratio is shown.

The 9-year record

9 fiscal years
Every figure from documents filed with the SEC · USD

EPS, diluted, dividend per share and shares outstanding are shown without shading, and a vertical line marks the year the share count changed — the series crosses a large, unexplained change in share count, so the years on either side are not on a comparable scale.

row low → row highnegative—not applicable◌not available in our data
KCRD, 9-year financial record
Metric 202520242023202220212020201920182017
Revenue $B0.00.00.00.00.00.00.00.00.0
Operating income $B−0.0−0.0−0.0−0.0−0.0−0.0◌◌◌
EBITDA $B−0.0−0.0−0.0−0.0−0.0−0.0◌◌◌
Income tax $B◌0.00.00.00.00.00.0◌◌
Net income $B−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0
Free cash flow $B◌◌◌◌−0.0−0.0◌◌◌
EPS, diluted $0.000.00◌◌◌0.000.000.000.00
Dividend / sh $◌◌◌◌◌◌◌◌◌
Payout % — not applicable: no dividend—————————
ROE % — not applicable: negative equity—————————
Shares out B0.100.100.100.100.080.080.080.080.58

Slide the table for earlier years. "—" not applicable · "◌" not available in our data.

More in this sector

Other companies filing in the same sector

Provenance

Company facts, as filed

How we verify · 0 failures in 27 reconciliationsAUDITED

Reconciled in 9 of the 9 fiscal years we could check. 26 checks were skipped: the balance sheet is not tagged before 2020. 13 checks were skipped: cost of revenue is not tagged before 2020. 10 checks were skipped: EPS is not tagged before 2017.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquidityCurrency consistency0 failures
ActivityRetail-Miscellaneous Shopping Goods Stores
Listed onOTC market
Incorporated inNevada
Fiscal year endsJanuary 31
SEC categorysmaller reporting company
Data on record since2017

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