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ZYBERNO

Stock Report

Updated Aug 26, 2026

ONFOLIO HOLDINGS INC. (ONFOW)

Technology • NASDAQ

$0.01

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

11.0/100

POOR BUSINESS

ONFOLIO HOLDINGS INC. (ONFOW) scores 11/100 — 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 ONFOW 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 ONFOW valuation analysis · → View full ONFOW 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 (-472.0%)

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

Operating Margin (Operational Efficiency):CRITICAL (-40.1%)

Return on Capital (Capital Efficiency):CRITICAL (-41.1%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

ONFOLIO HOLDINGS INC. (ONFOW) stock report — Zyberno Score 11/100 (POOR BUSINESS). Full financial analysis on Zyberno.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:0.01

Market Cap:$1.97K

Valuation Multiples (2)

P/S Ratio:0.00x

Peg Ratio:-999.00x

Enterprise Metrics (1)

Enterprise Value:$7.78M

Price Action & Momentum (1)

% of 52-Week High:2.9%

B. Profitability Assessment

Return Metrics (5)

ROE:

-472.0%

📊 Click to view full ONFOW ROE analysis →

ROA:-91.2%

Roic:

-41.1%

📊 Click to view full ONFOW ROIC analysis →

Reinvestment Rate:49.0%

Fundamental Growth Rate (g):-20.1%

Margin Analysis (3)

Operating Margin Ttm:-40.1%

Net Margin Ttm:-102.1%

Ebitda Margin:-17.2%

TTM Performance (3)

Gross Margin Ttm:54.5%

Operating Margin Ttm:-40.1%

Net Margin Ttm:-102.1%

Yield Metrics (2)

Earnings Yield:-$279.01K

Dividend Yield:30,616.0%

C. Log-Linear Regression Growth Trends

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):36.6%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.09x

Quick Ratio:0.09x

Cash Ratio:0.00x

Leverage Analysis (1)

Debt To Ebitda:-999.00x

Coverage Ratios (1)

Times Interest Earned:-999.00

Capital Structure (4)

Working Capital:-8,736,780.00

Cash And Cash Equivalents:0.00

Long Term Debt:$6.11M

Net Debt:$7.78M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $8.13M

Linear Growth: 36.6%

📊 Click to view full ONFOW Revenue analysis & methodology →

Cost Of Revenue Ttm:$3.70M

Profitability Breakdown (2)

Gross profit TTM: $4.43M

Linear Growth: 36.5%

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

-$3.27M

Bottom Line Performance (3)

-$8.31M

Income Before Tax:-$8.37M

Ebitda Ttm:-1,399,137.00

Operating Expenses (5)

Operating Expenses:7,700,103.00

R And D Expense:0.00

Sga Expense:5,642,461.00

Income Tax Expense:$0.00

Interest Expense:-840,572.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:376.8%

Ebitda Margin:-17.2%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$7.79M

Current Assets:$866.01K

Ppe Net:2,568.00

Goodwill:4,203,145.00

Intangible Assets:$1.32M

Liability Structure (4)

Total Liabilities:9,607,257.00

Current Liabilities:9,602,792.00

Long Term Debt:$6.11M

Short Term Debt:$1.66M

Equity & Capital (3)

Equity:-$1.82M

Retained Earnings:-$29.46M

Common Stock:300,000,000.00

Working Capital Items (3)

Accounts Receivable:403,907.00

Inventory:28,112.00

Accounts Payable:0.00

Special Items (2)

Contract Liabilities:204,167.00

Stock Based Compensation:14,789.00

C. Cash Flow Analysis

Operating Activities (2)

-$1.64M$0.00

Investment Activities (1)

Investing Cash Flow:-$2.48M

Financing Activities (3)

Financing Cash Flow:-$500.21K

Dividends Paid Ttm:603,458.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:993,356.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:1,866,027.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (2)

-$36.55

Earnings Per Share Ttm:-$55.22

Revenue & Cash Per Share (2)

Sales Per Share Ttm:54.06

Operating Cash Flow Per Share:-$6.24

Book Value & Capital (2)

Book Value Per Share:-$12.06

Cash Per Share:-999.00

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.89x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:20.14x

Days Sales Outstanding Ttm:18.12

Inventory Management (2)

Inventory Turnover Ttm:131.60x

Days Inventory Outstanding Ttm:2.77

Payables & Cash Cycle (2)

Days Payable Outstanding:-999.00

Cash Conversion Cycle:1,019.90

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:0.00

Quality Score:15.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Damodaran Growth Analysis (2)

Reinvestment Rate:49.0%

Fundamental Growth Rate (g):-20.1%

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (1)

Revenue Growth Rate (Linear):36.6%

Other Growth Rates (2)

Gross Profit Growth Rate (Linear):36.5%

Book Value Growth Rate (Linear):-37.4%

C. Company Profile & Context

Corporate Information (6)

Symbol:ONFOW

Company Name:ONFOLIO HOLDINGS INC.

Sector:Technology

Industry:Data Services

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:150.46K

Shares Outstanding Basic:150.46K

Shares Outstanding Diluted:131.21K

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-26 11:24:32 UTC

Data Timestamp:2026-08-26T11:24:32.646747