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ZYBERNO

Stock Report

Updated Aug 24, 2026

ENDI CORP. (ENDI)

Financial Services • Over The Counter

$15.94

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

62.0/100

AVERAGE BUSINESS

ENDI CORP. (ENDI) scores 62/100 — decent metrics but limited evidence of durable competitive advantage.

📊 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 ENDI 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?

-21.8%

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 ENDI valuation analysis · → View full ENDI 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):AVERAGE (11.7%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.02x)

Operating Margin (Operational Efficiency):GOOD (17.9%)

Return on Capital (Capital Efficiency):POOR (9.1%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

ENDI CORP. (ENDI) stock report — Zyberno Score 62/100 (AVERAGE BUSINESS). Full financial analysis on Zyberno.

According to Zyberno's DCF model, ENDI CORP. (ENDI) shows a Brina Gap of -21.8%, which weakens the case: based on the company's ROIC (9.1%) and reinvestment rate (6.9%), the business can fundamentally grow at 0.6% — but the current enterprise value implies the market expects 22.4%.

Over the trailing twelve months, ENDI generated $54.75K in Owner Earnings. Capital was deployed as follows: $108.50K invested in capital expenditures. Reinvestment rate: 6.9%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:15.94

Market Cap:$87.17M

Valuation Multiples (4)

P/E Ratio:

0.00x

📊 Click to view full ENDI P/E analysis →

P/B Ratio:3.77x

P/S Ratio:9.09x

Peg Ratio:-999.00x

Enterprise Metrics (3)

Enterprise Value:$78.24M

Ev Ebitda Ratio:37.21x

Pfcf Ratio:34.42x

Price Action & Momentum (3)

12-1 Momentum:

-4.3% (33th pctile)

📈 Click to view full ENDI Momentum analysis →

Momentum Percentile:33 / 100

% of 52-Week High:87.3%

B. Profitability Assessment

Return Metrics (7)

ROE:

11.7%

📊 Click to view full ENDI ROE analysis →

ROA:10.2%

Roic:

9.1%

📊 Click to view full ENDI ROIC analysis →

Reinvestment Rate:6.9%

Fundamental Growth Rate (g):0.6%

Market-Implied Growth Rate:22.4%

Brina Gap:

-21.8%

☷ Click to view full ENDI Brina Gap analysis →

Margin Analysis (3)

Operating Margin Ttm:17.9%

Net Margin Ttm:26.4%

Ebitda Margin:21.9%

TTM Performance (3)

Gross Margin Ttm:97.7%

Operating Margin Ttm:17.9%

Net Margin Ttm:26.4%

Yield Metrics (3)

Earnings Yield:$33.38M

Owner Earnings Yield:$0.06

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):27.9%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):100.0%

Cash Flow Growth (Linear) (1)

Operating Cash Flow Growth Rate (Linear):-50.0%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:14.42x

Quick Ratio:14.42x

Cash Ratio:7.22x

Leverage Analysis (3)

Debt To Equity Ttm:0.02x

Debt-to-Equity Ratio:0.02x

Debt To Ebitda:0.02x

Coverage Ratios (1)

Times Interest Earned:-999.00

Capital Structure (4)

Working Capital:16,705,041.00

Cash And Cash Equivalents:8,983,190.00

Long Term Debt:$50.00K

Net Debt:-$8.93M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $9.59M

Linear Growth: 27.9%

📊 Click to view full ENDI Revenue analysis & methodology →

Cost Of Revenue Ttm:$218.27K

Profitability Breakdown (2)

Gross profit TTM: $9.37M

Linear Growth: 100.0%

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

$1.72M

Bottom Line Performance (3)

Net income TTM: $2.53M

Linear Growth: 100.0%

📊 Click to view full ENDI Net Income analysis & methodology →

Income Before Tax:-$500.34K

Ebitda Ttm:2,102,317.00

Operating Expenses (5)

Operating Expenses:1,749,224.00

R And D Expense:2,844.00

Sga Expense:674,429.00

Income Tax Expense:$206.94K

Interest Expense:0.00

Expense Ratios (3)

R And D To Revenue Percentage:0.1%

Sga To Revenue Percentage:24.2%

Ebitda Margin:21.9%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$25.52M

Current Assets:$17.95M

Ppe Net:3,095.00

Goodwill:737,869.00

Intangible Assets:$3.16M

Liability Structure (4)

Total Liabilities:2,403,898.00

Current Liabilities:1,244,859.00

Long Term Debt:$50.00K

Short Term Debt:$476.00

Equity & Capital (3)

Equity:$23.11M

Retained Earnings:$2.69M

Common Stock:545.00

Working Capital Items (3)

Accounts Receivable:1,064,413.00

Inventory:0.00

Accounts Payable:5,856.00

Special Items (2)

Contract Liabilities:147,039.00

Stock Based Compensation:39,700.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $163.25K

Linear Growth: -50.0%

$2.60M

Investment Activities (2)

Investing Cash Flow:$88.32K

Capital Expenditures Ttm:108,501.00

Financing Activities (3)

Financing Cash Flow:-$328.66K

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:2,174,445.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:624,137.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):0.46

Eps diluted TTM: $5.46M

Linear Growth: -50.0%

📊 Click to view full ENDI EPS analysis & methodology →

Earnings Per Share Ttm:$0.46

Revenue & Cash Per Share (2)

Sales Per Share Ttm:1.75

Operating Cash Flow Per Share:$0.49

Book Value & Capital (2)

Book Value Per Share:$4.23

Cash Per Share:1.64

Dividend Policy (1)

Dividend Payout Ratio:120.65x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.39x

Working Capital Turnover Ttm:0.57x

Receivables Management (2)

Receivables Turnover Ttm:9.01x

Days Sales Outstanding Ttm:40.52

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:9.79

Cash Conversion Cycle:-968.27

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:100.00

Quality Score:175.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $54.75K

Linear Growth: 0.0%

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

Owner Earnings Per Share:$0.01

Owner Earnings Yield:$0.06

Damodaran Growth Analysis (4)

Reinvestment Rate:6.9%

Fundamental Growth Rate (g):0.6%

Market-Implied Growth Rate:22.4%

Brina Gap:

-21.8%

☷ Click to view full ENDI Brina Gap analysis →

Investment Assessment (1)

Buffett Assessment:Overvalued

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (2)

Revenue Growth Rate (Linear):27.9%

Net Income Growth Rate (Linear):100.0%

Cash Flow Growth Rates (1)

Operating Cash Flow Growth Rate (Linear):-50.0%

Other Growth Rates (2)

Gross Profit Growth Rate (Linear):100.0%

Book Value Growth Rate (Linear):22.7%

C. Company Profile & Context

Corporate Information (6)

Symbol:ENDI

Company Name:ENDI CORP.

Sector:Financial Services

Industry:Asset Management

Exchange:Over The Counter

Country:Unknown

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:5.47M

Shares Outstanding Basic:5.47M

Shares Outstanding Diluted:5.47M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-24 11:00:00 UTC

Data Timestamp:2026-03-28T15:17:01.031490