First Capital, Inc. — Earnings Quality Grade C
FCAP · Financial Services
Some red flags
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 37 days, change -2 days YoY
AR growth 11.5% vs revenue growth 16.5%
Revenue grew 16.5% but CFFO declined -4.7%
Small-cap context: Small-cap revenue/CFFO ratio is sensitive to growth-stage working-capital draws.
Expense Quality
No material inventory
CapEx growth 88.6% is >2x revenue growth 16.5%
Insufficient data
Insufficient data
Cash Flow Quality
CFFO/NI = 1.30. Profits backed by cash
FCF $0.0B, FCF/NI = 1.22
Accruals ratio = -0.4%. Low accruals
Insufficient data
Balance Sheet Health
Goodwill+Intangibles $0.0B = 5% of equity. Manageable
Insufficient data
Insufficient data
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -1% YoY. Normal
Manipulation Score
Insufficient data
Portfolio monitoring
Monitor FCAP continuously
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Altman Z-Score — Not Applicable
First Capital, Inc. is a financial company. Z-Score is designed for non-financial companies.
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25