Five9, Inc. — Earnings Quality Grade D
FIVN · Technology
Significant concerns
Screening Summary
Management Signals
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 36 days, change +1 days YoY
AR outpaced revenue for 2 consecutive years
Revenue 10.3%, CFFO 58.0%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -0.8% vs revenue 10.3%. Normal
SG&A/Gross Profit = 71.4%, exceeds 70%
Gross margin 55.1%, change +0.9pp. Stable
Cash Flow Quality
CFFO/NI = 5.74. Profits backed by cash
FCF $0.2B, FCF/NI = 4.11
Accruals ratio = -10.4%. Low accruals
Cash $0.7B covers 87% of debt $0.8B
Balance Sheet Health
Goodwill+Intangibles $0.4B = 53% of equity. Over 50%
Debt/EBITDA = 6.7x (>4x). Financial stress
Other assets -20.6% vs revenue 10.3%. Normal
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -3% YoY. Normal
Manipulation Score
M-Score = -2.72 (< -2.22). Unlikely manipulator
Portfolio monitoring
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Beneish M-Score
Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25