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ZYBERNO

Stock Report

Updated Aug 25, 2026

ALTISOURCE PORTFOLIO SOLUTIONS S.A. (ASPSZ)

NASDAQ

$0.19

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

24.0/100

POOR BUSINESS

ALTISOURCE PORTFOLIO SOLUTIONS S.A. (ASPSZ) scores 24/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full ASPSZ quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

Margin of Safety unavailable — insufficient data for the owner-earnings DCF.

BRINA GAP ↗

Is the market underestimating or overestimating what this business is capable of going forward?

-32.4%

Market Overestimates

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full ASPSZ valuation analysis · → View full ASPSZ Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (0.0%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.00x)

Operating Margin (Operational Efficiency):CRITICAL (1.8%)

Return on Capital (Capital Efficiency):CRITICAL (2.6%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

ALTISOURCE PORTFOLIO SOLUTIONS S.A. (ASPSZ) stock report — Zyberno Score 24/100 (POOR BUSINESS). Full financial analysis on Zyberno.

According to Zyberno's DCF model, ALTISOURCE PORTFOLIO SOLUTIONS S.A. (ASPSZ) shows a Brina Gap of -32.4%, which weakens the case: based on the company's ROIC (2.6%) and reinvestment rate (-208.3%), the business can fundamentally grow at -5.4% — but the current enterprise value implies the market expects 27.0%.

Over the trailing twelve months, ASPSZ generated $4.18M in Owner Earnings. Capital was deployed as follows: $182.00K invested in capital expenditures. Reinvestment rate: -208.3%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:0.19

Market Cap:$2.16M

Valuation Multiples (3)

P/E Ratio:

4.75x

📊 Click to view full ASPSZ P/E analysis →

P/S Ratio:0.01x

Peg Ratio:-999.00x

Enterprise Metrics (3)

Enterprise Value:$206.47M

Ev Ebitda Ratio:16.05x

Pfcf Ratio:0.52x

Price Action & Momentum (1)

% of 52-Week High:20.1%

B. Profitability Assessment

Return Metrics (6)

ROA:0.6%

Roic:

2.6%

📊 Click to view full ASPSZ ROIC analysis →

Reinvestment Rate:-208.3%

Fundamental Growth Rate (g):-5.4%

Market-Implied Growth Rate:27.0%

Brina Gap:

-32.4%

☷ Click to view full ASPSZ Brina Gap analysis →

Margin Analysis (3)

Operating Margin Ttm:1.8%

Net Margin Ttm:0.5%

Ebitda Margin:7.0%

TTM Performance (3)

Gross Margin Ttm:26.6%

Operating Margin Ttm:1.8%

Net Margin Ttm:0.5%

Yield Metrics (3)

Earnings Yield:$21.05

Owner Earnings Yield:$193.84

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

-1.10

📊 Click to view full ASPSZ Earnings Surprise analysis →

EPS Surprise vs Expected:-103.4%

Latest Earnings Filed:2026-07-23

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):8.1%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):-8.4%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:1.17x

Quick Ratio:1.17x

Cash Ratio:0.48x

Leverage Analysis (1)

Debt To Ebitda:17.69x

Coverage Ratios (2)

Interest Coverage Ratio:0.05x

Times Interest Earned:0.05

Capital Structure (4)

Working Capital:8,134,000.00

Cash And Cash Equivalents:23,186,000.00

Long Term Debt:$185.00M

Net Debt:$204.31M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $182.50M

Linear Growth: 8.1%

📊 Click to view full ASPSZ Revenue analysis & methodology →

Cost Of Revenue Ttm:$134.01M

Profitability Breakdown (2)

Gross profit TTM: $48.49M

Linear Growth: 26.3%

📊 Click to view full ASPSZ Gross Profit analysis & methodology →

Operating income TTM: $3.27M

Linear Growth: -8.4%

📊 Click to view full ASPSZ Operating Income analysis & methodology →

Bottom Line Performance (3)

$882.00K

Income Before Tax:-$9.49M

Ebitda Ttm:12,863,000.00

Operating Expenses (5)

Operating Expenses:0.00

R And D Expense:0.00

Sga Expense:44,175,000.00

Income Tax Expense:$1.01M

Interest Expense:8,858,000.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:87.2%

Ebitda Margin:7.0%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$136.49M

Current Assets:$56.58M

Ppe Net:46,894,000.00

Goodwill:55,960,000.00

Intangible Assets:$14.24M

Liability Structure (4)

Total Liabilities:245,817,000.00

Current Liabilities:48,446,000.00

Long Term Debt:$185.00M

Short Term Debt:$42.50M

Equity & Capital (3)

Equity:-$109.33M

Retained Earnings:-$368.90M

Common Stock:250,000,000.00

Working Capital Items (3)

Accounts Receivable:26,930,000.00

Inventory:0.00

Accounts Payable:18,049,000.00

Special Items (2)

Contract Liabilities:3,120,000.00

Stock Based Compensation:1,200,000.00

C. Cash Flow Analysis

Operating Activities (2)

$4.36M$4.18M

Investment Activities (2)

Investing Cash Flow:-$138.00K

Capital Expenditures Ttm:182,000.00

Financing Activities (3)

Financing Cash Flow:-$1.15M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$306.00K

Non-Cash Items (1)

Depreciation Amortization Ttm:9,590,000.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):0.05

$0.04

Earnings Per Share Ttm:$0.08

Revenue & Cash Per Share (3)

Sales Per Share Ttm:16.09

Operating Cash Flow Per Share:-$0.45

Fcf Per Share Ttm:0.37

Book Value & Capital (2)

Book Value Per Share:-$9.64

Cash Per Share:2.04

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:1.31x

Working Capital Turnover Ttm:22.44x

Receivables Management (2)

Receivables Turnover Ttm:6.78x

Days Sales Outstanding Ttm:53.86

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:49.16

Cash Conversion Cycle:-994.30

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:20.00

Quality Score:45.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $4.18M

Linear Growth: 0.0%

📊 Click to view full ASPSZ Owner Earnings analysis & methodology →

Owner Earnings Per Share:$0.37

Owner Earnings Yield:$193.84

Damodaran Growth Analysis (4)

Reinvestment Rate:-208.3%

Fundamental Growth Rate (g):-5.4%

Market-Implied Growth Rate:27.0%

Brina Gap:

-32.4%

☷ Click to view full ASPSZ Brina Gap analysis →

Return Scenarios (1)

Forward Expected Return (Yield + Growth):

188.5%

📊 Click to view full ASPSZ expected return analysis →

Investment Assessment (1)

Buffett Assessment:Overvalued

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (2)

Revenue Growth Rate (Linear):8.1%

Operating Income Growth Rate (Linear):-8.4%

Other Growth Rates (1)

Gross Profit Growth Rate (Linear):26.3%

C. Company Profile & Context

Corporate Information (6)

Symbol:ASPSZ

Company Name:ALTISOURCE PORTFOLIO SOLUTIONS S.A.

Sector:Unknown

Industry:Services-Miscellaneous Business Services

Exchange:NASDAQ

Country:Luxembourg

Market Classification (3)

Market Cap Category:N/A

Price Category:penny

Volume Category:N/A

Share Structure (3)

Shares Outstanding:11.34M

Shares Outstanding Basic:11.34M

Shares Outstanding Diluted:11.34M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-25 18:56:38 UTC

Data Timestamp:2026-08-25T18:56:38.107932