← Back to Stock Screener← Stock Screener

ZYBERNO

Stock Report

Updated Sep 1, 2026

GIFTIFY, INC. (GIFT)

Consumer Discretionary • NASDAQ

$0.82

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

29.0/100

POOR BUSINESS

GIFTIFY, INC. (GIFT) scores 29/100 — 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 GIFT 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 GIFT valuation analysis · → View full GIFT 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 (-39.9%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.09x)

Operating Margin (Operational Efficiency):CRITICAL (-10.3%)

Return on Capital (Capital Efficiency):CRITICAL (-35.3%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

GIFTIFY, INC. (GIFT) stock report — Zyberno Score 29/100 (POOR BUSINESS). Full financial analysis on Zyberno.

Over the trailing twelve months, GIFT generated -$2.79M in Owner Earnings. Capital was deployed as follows: $900.00K invested in capital expenditures. Reinvestment rate: 21.4%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:0.82

Market Cap:$27.84M

Valuation Multiples (3)

P/B Ratio:1.32x

P/S Ratio:0.33x

Peg Ratio:-999.00x

Enterprise Metrics (1)

Enterprise Value:$24.87M

Price Action & Momentum (3)

12-1 Momentum:

-23.8% (14th pctile)

📈 Click to view full GIFT Momentum analysis →

Momentum Percentile:14 / 100

% of 52-Week High:61.7%

B. Profitability Assessment

Return Metrics (5)

ROE:

-39.9%

📊 Click to view full GIFT ROE analysis →

ROA:-27.4%

Roic:

-35.3%

📊 Click to view full GIFT ROIC analysis →

Reinvestment Rate:21.4%

Fundamental Growth Rate (g):-7.6%

Margin Analysis (3)

Operating Margin Ttm:-10.3%

Net Margin Ttm:-10.3%

Ebitda Margin:-4.3%

TTM Performance (3)

Gross Margin Ttm:20.1%

Operating Margin Ttm:-10.3%

Net Margin Ttm:-10.3%

Yield Metrics (2)

Earnings Yield:-$30.04

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+0.59

📊 Click to view full GIFT Earnings Surprise analysis →

EPS Surprise vs Expected:60.4%

Latest Earnings Filed:2026-08-03

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):100.0%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:1.02x

Quick Ratio:0.58x

Cash Ratio:0.52x

Leverage Analysis (3)

Debt To Equity Ttm:0.09x

Debt-to-Equity Ratio:0.09x

Debt To Ebitda:-999.00x

Coverage Ratios (1)

Times Interest Earned:-999.00

Capital Structure (4)

Working Capital:141,944.00

Cash And Cash Equivalents:3,924,338.00

Long Term Debt:$595.82K

Net Debt:-$2.96M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $83.11M

Linear Growth: 100.0%

📊 Click to view full GIFT Revenue analysis & methodology →

Cost Of Revenue Ttm:$66.40M

Profitability Breakdown (2)

Gross profit TTM: $16.71M

Linear Growth: 17.2%

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

-$8.53M

Bottom Line Performance (3)

-$8.58M

Income Before Tax:-$9.05M

Ebitda Ttm:-3,609,389.00

Operating Expenses (5)

Operating Expenses:25,237,486.00

R And D Expense:0.00

Sga Expense:22,326,577.00

Income Tax Expense:-$528.52K

Interest Expense:0.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:102.7%

Ebitda Margin:-4.3%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$30.17M

Current Assets:$7.66M

Ppe Net:2,563,312.00

Goodwill:20,007,670.00

Intangible Assets:$1.36M

Liability Structure (4)

Total Liabilities:9,107,497.00

Current Liabilities:7,516,816.00

Long Term Debt:$595.82K

Short Term Debt:$364.57K

Equity & Capital (3)

Equity:$21.07M

Retained Earnings:-$102.68M

Common Stock:750,000,000.00

Working Capital Items (3)

Accounts Receivable:130,927.00

Inventory:3,293,956.00

Accounts Payable:2,199,460.00

Special Items (2)

Contract Liabilities:91,710.00

Stock Based Compensation:700,957.00

C. Cash Flow Analysis

Operating Activities (2)

-$177.85K-$1.08M

Investment Activities (2)

Investing Cash Flow:$0.00

Capital Expenditures Ttm:900,000.00

Financing Activities (3)

Financing Cash Flow:$563.73K

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:595,000.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:4,921,121.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-0.27

-$0.27

Earnings Per Share Ttm:-$0.25

Revenue & Cash Per Share (2)

Sales Per Share Ttm:2.43

Operating Cash Flow Per Share:-$0.05

Book Value & Capital (2)

Book Value Per Share:$0.62

Cash Per Share:0.11

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:2.66x

Working Capital Turnover Ttm:585.50x

Receivables Management (2)

Receivables Turnover Ttm:634.77x

Days Sales Outstanding Ttm:0.58

Inventory Management (2)

Inventory Turnover Ttm:20.16x

Days Inventory Outstanding Ttm:18.11

Payables & Cash Cycle (2)

Days Payable Outstanding:12.09

Cash Conversion Cycle:6.59

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:80.00

Quality Score:35.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (1)

-$2.79M

Damodaran Growth Analysis (2)

Reinvestment Rate:21.4%

Fundamental Growth Rate (g):-7.6%

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (1)

Revenue Growth Rate (Linear):100.0%

Other Growth Rates (2)

Gross Profit Growth Rate (Linear):17.2%

Book Value Growth Rate (Linear):100.0%

C. Company Profile & Context

Corporate Information (6)

Symbol:GIFT

Company Name:GIFTIFY, INC.

Sector:Consumer Discretionary

Industry:E-commerce & Mail Order

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:penny

Volume Category:N/A

Share Structure (3)

Shares Outstanding:34.16M

Shares Outstanding Basic:34.16M

Shares Outstanding Diluted:34.16M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-09-01 07:39:12 UTC

Data Timestamp:2026-08-20T19:51:32.475922