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ZYBERNO

Stock Report

Updated Aug 22, 2026

VisitIQ Corp. (VIIQ)

Technology • OTC

$1.60

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

41.0/100

WEAK BUSINESS

VisitIQ Corp. (VIIQ) scores 41/100 — weak fundamentals with mixed indicators requiring careful analysis before acting.

📊 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 VIIQ 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?

+12.6%

Market Underestimates

💰 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 VIIQ valuation analysis · → View full VIIQ 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):EXCELLENT (22.9%)

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

Operating Margin (Operational Efficiency):CRITICAL (0.0%)

Return on Capital (Capital Efficiency):EXCELLENT (20.7%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

VisitIQ Corp. (VIIQ) stock report — Zyberno Score 41/100 (WEAK BUSINESS). Full financial analysis on Zyberno.

According to Zyberno's DCF model, VisitIQ Corp. (VIIQ) shows a Brina Gap of +12.6%, which strengthens the case: based on the company's ROIC (20.7%) and reinvestment rate (-12.7%), the business can fundamentally grow at -2.6% — but the current enterprise value implies the market expects -15.2%.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:1.60

Market Cap:$48.29M

Valuation Multiples (3)

P/E Ratio:

4.10x

📊 Click to view full VIIQ P/E analysis →

P/B Ratio:0.87x

Peg Ratio:-999.00x

Enterprise Metrics (2)

Enterprise Value:$48.18M

Ev Ebitda Ratio:3.68x

Price Action & Momentum (1)

% of 52-Week High:97.0%

B. Profitability Assessment

Return Metrics (7)

ROE:

22.9%

📊 Click to view full VIIQ ROE analysis →

ROA:7.9%

Roic:

20.7%

📊 Click to view full VIIQ ROIC analysis →

Reinvestment Rate:-12.7%

Fundamental Growth Rate (g):-2.6%

Market-Implied Growth Rate:-15.2%

Brina Gap:

12.6%

☷ Click to view full VIIQ Brina Gap analysis →

Margin Analysis (1)

Ebitda Margin:496.1%

Yield Metrics (2)

Earnings Yield:$24.38

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):47.1%

Operating Growth (Linear) (1)

Operating Income Growth Rate (Linear):47.1%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.19x

Quick Ratio:0.19x

Cash Ratio:0.00x

Leverage Analysis (3)

Debt To Equity Ttm:0.00x

Debt-to-Equity Ratio:0.00x

Debt To Ebitda:0.00x

Coverage Ratios (1)

Times Interest Earned:-999.00

Capital Structure (4)

Working Capital:-49,960,931.00

Cash And Cash Equivalents:107,561.00

Long Term Debt:$0.00

Net Debt:-$107.56K

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

$2.64M

Cost Of Revenue Ttm:$1.21M

Profitability Breakdown (2)

$0.00

Operating income TTM: $11.61M

Linear Growth: 47.1%

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

Bottom Line Performance (3)

Net income TTM: $11.61M

Linear Growth: 47.1%

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

Income Before Tax:$11.61M

Ebitda Ttm:13,075,691.00

Operating Expenses (5)

Operating Expenses:3,116,294.00

R And D Expense:0.00

Sga Expense:3,116,294.00

Income Tax Expense:$19.89K

Interest Expense:0.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:49.6%

Ebitda Margin:496.1%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$142.87M

Current Assets:$11.78M

Ppe Net:0.00

Goodwill:349,312.00

Intangible Assets:$2.11M

Liability Structure (4)

Total Liabilities:87,089,778.00

Current Liabilities:61,739,970.00

Long Term Debt:$0.00

Short Term Debt:$0.00

Equity & Capital (3)

Equity:$55.78M

Retained Earnings:$52.37M

Common Stock:75,000,000.00

Working Capital Items (3)

Accounts Receivable:209,758.00

Inventory:0.00

Accounts Payable:205,510.00

Special Items (2)

Contract Liabilities:35,381,566.00

Stock Based Compensation:60,750.00

C. Cash Flow Analysis

Operating Activities (2)

-$2.62M$0.00

Investment Activities (1)

Investing Cash Flow:-$423.61K

Financing Activities (3)

Financing Cash Flow:-$3.33M

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:$0.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):0.39

Eps diluted TTM: $0.39

Linear Growth: 50.9%

📊 Click to view full VIIQ EPS analysis & methodology →

Earnings Per Share Ttm:$0.38

Revenue & Cash Per Share (2)

Sales Per Share Ttm:0.09

Operating Cash Flow Per Share:-$0.09

Book Value & Capital (2)

Book Value Per Share:$1.85

Cash Per Share:0.00

Dividend Policy (1)

Dividend Payout Ratio:0.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.02x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:12.57x

Days Sales Outstanding Ttm:29.05

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:62.13

Cash Conversion Cycle:-1,032.08

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:60.00

Quality Score:30.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Damodaran Growth Analysis (4)

Reinvestment Rate:-12.7%

Fundamental Growth Rate (g):-2.6%

Market-Implied Growth Rate:-15.2%

Brina Gap:

12.6%

☷ Click to view full VIIQ Brina Gap analysis →

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (2)

Net Income Growth Rate (Linear):47.1%

Operating Income Growth Rate (Linear):47.1%

Other Growth Rates (1)

Book Value Growth Rate (Linear):29.1%

C. Company Profile & Context

Corporate Information (6)

Symbol:VIIQ

Company Name:VisitIQ Corp.

Sector:Technology

Industry:Software

Exchange:OTC

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:low

Volume Category:N/A

Share Structure (3)

Shares Outstanding:30.18M

Shares Outstanding Basic:30.18M

Shares Outstanding Diluted:30.18M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-22 19:29:27 UTC

Data Timestamp:2026-08-22T19:29:27.375172