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ZYBERNO

Stock Report

Updated Sep 1, 2026

Cardio Diagnostics Holdings, Inc. (CDIO)

Healthcare • NASDAQ

$1.83

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

28.0/100

POOR BUSINESS

Cardio Diagnostics Holdings, Inc. (CDIO) scores 28/100 — 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 CDIO quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 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 CDIO valuation analysis · → View full CDIO 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 (-82.3%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.06x)

Operating Margin (Operational Efficiency):CRITICAL (-44,690.7%)

Return on Capital (Capital Efficiency):CRITICAL (-226.1%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

Cardio Diagnostics Holdings, Inc. (CDIO) stock report — Zyberno Score 28/100 (POOR BUSINESS). Full financial analysis on Zyberno.

Over the trailing twelve months, CDIO generated -$5.95M in Owner Earnings. Capital was deployed as follows: $183.29K invested in capital expenditures. Reinvestment rate: -2.5%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:1.83

Market Cap:$5.42M

Valuation Multiples (3)

P/B Ratio:0.73x

P/S Ratio:374.80x

Peg Ratio:-999.00x

Enterprise Metrics (1)

Enterprise Value:$131.38K

Price Action & Momentum (1)

% of 52-Week High:23.1%

B. Profitability Assessment

Return Metrics (5)

ROE:

-82.3%

📊 Click to view full CDIO ROE analysis →

ROA:-76.0%

Roic:

-226.1%

📊 Click to view full CDIO ROIC analysis →

Reinvestment Rate:-2.5%

Fundamental Growth Rate (g):5.7%

Margin Analysis (3)

Operating Margin Ttm:-44,690.7%

Net Margin Ttm:-44,771.8%

Ebitda Margin:-43,418.6%

TTM Performance (2)

Operating Margin Ttm:-44,690.7%

Net Margin Ttm:-44,771.8%

Yield Metrics (2)

Earnings Yield:-$142.65

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+1.60

📊 Click to view full CDIO Earnings Surprise analysis →

EPS Surprise vs Expected:59.9%

Latest Earnings Filed:2026-08-07

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):100.0%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:17.15x

Quick Ratio:17.15x

Cash Ratio:15.55x

Leverage Analysis (3)

Debt To Equity Ttm:0.06x

Debt-to-Equity Ratio:0.06x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:-527.20x

Times Interest Earned:-527.20

Capital Structure (4)

Working Capital:5,800,762.00

Cash And Cash Equivalents:5,586,697.00

Long Term Debt:$140.58K

Net Debt:-$5.28M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $14.45K

Linear Growth: 100.0%

📊 Click to view full CDIO Revenue analysis & methodology →

Cost Of Revenue Ttm:$0.00

Profitability Breakdown (2)

$0.00-$6.46M

Bottom Line Performance (3)

-$6.47M

Income Before Tax:-$6.47M

Ebitda Ttm:-6,273,992.00

Operating Expenses (5)

Operating Expenses:6,472,253.00

R And D Expense:768,621.00

Sga Expense:4,397,653.00

Income Tax Expense:$0.00

Interest Expense:12,299.00

Expense Ratios (3)

R And D To Revenue Percentage:14,339.9%

Sga To Revenue Percentage:82,045.8%

Ebitda Margin:-43,418.6%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$7.93M

Current Assets:$6.16M

Ppe Net:613,352.00

Goodwill:0.00

Intangible Assets:$970.78K

Liability Structure (4)

Total Liabilities:499,780.00

Current Liabilities:359,197.00

Long Term Debt:$140.58K

Short Term Debt:$161.67K

Equity & Capital (3)

Equity:$7.43M

Retained Earnings:-$32.54M

Common Stock:300,000,000.00

Working Capital Items (3)

Accounts Receivable:3,905.00

Inventory:0.00

Accounts Payable:130,082.00

Special Items (2)

Contract Liabilities:0.00

Stock Based Compensation:24,733.00

C. Cash Flow Analysis

Operating Activities (2)

-$5.89M-$6.07M

Investment Activities (2)

Investing Cash Flow:-$63.70K

Capital Expenditures Ttm:183,290.00

Financing Activities (3)

Financing Cash Flow:$3.59M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:3,693,470.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:183,811.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-2.91

-$2.91

Earnings Per Share Ttm:-$2.19

Revenue & Cash Per Share (2)

Sales Per Share Ttm:0.00

Operating Cash Flow Per Share:-$1.94

Book Value & Capital (2)

Book Value Per Share:$2.51

Cash Per Share:1.89

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.00x

Working Capital Turnover Ttm:0.00x

Receivables Management (2)

Receivables Turnover Ttm:3.70x

Days Sales Outstanding Ttm:98.64

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:3,285.81

Cash Conversion Cycle:-4,186.17

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:100.00

Quality Score:40.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (1)

-$5.95M

Damodaran Growth Analysis (2)

Reinvestment Rate:-2.5%

Fundamental Growth Rate (g):5.7%

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (1)

Revenue Growth Rate (Linear):100.0%

Other Growth Rates (1)

Book Value Growth Rate (Linear):80.6%

C. Company Profile & Context

Corporate Information (6)

Symbol:CDIO

Company Name:Cardio Diagnostics Holdings, Inc.

Sector:Healthcare

Industry:Medical Diagnostics

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:low

Volume Category:N/A

Share Structure (3)

Shares Outstanding:2.96M

Shares Outstanding Basic:2.96M

Shares Outstanding Diluted:2.96M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-09-01 18:09:35 UTC

Data Timestamp:2026-08-22T02:45:55.723074