Redwood Mortgage Investors IX
RWDMUInvestment snapshot
Positive
1
BUY / PASS
Neutral / negative
0 / 1
NEUTRAL / FAIL
Median fair value
—
No comparable estimates
Models with upside
0 / 2
Positive margin of safety
Strongest signal
All 2 investors pass RWDMU's cash flow
Key risk
No clean pass — all 2 investors flag at least one profitability criterion
Framework analysis
| Verdict | Meaning |
|---|---|
| BUY | Positive purchase signal: the framework's buy requirements are met. |
| PASS | The company clears the framework's checklist or screen, but the framework does not produce a buy signal. For valuation frameworks this often means margin of safety is missing, insufficient, or unavailable; some screen-only frameworks have no intrinsic-value BUY state. |
| NEUTRAL | Neither a positive nor negative conclusion. It does not mean to hold an existing position. |
| FAIL | The company does not clear the framework's requirements. |
| Ranked | Ranked strategies do not use PASS: selected cohort is BUY, outside the cohort is FAIL, and unranked is NEUTRAL. |
Current investor scores use trailing 12-month flows and the latest balance sheet where supported. Multi-year and EPS tests retain annual history; each framework shows its financial basis below. Intrinsic values use annual financials.
| Metric | Piotroski F-Score | Sleep Scale Economies Shared |
|---|---|---|
| Verdict | PASS | FAIL |
| Score | ||
| Analysis | Checking access… | Checking access… |
| Intrinsic Value (annual) | N/A | N/A |
| Margin of Safety | N/A | N/A |
| Financial Basis | Annual history · FY 2025 Latest source filing: 2026-04-14 Score computed: 2026-11-14 | Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-04-14 Score computed: 2026-11-14 |
Where It Passes
- Cash Flow100% pass✓ 3▾
All 2 investors pass RWDMU's cash flow
Operating Cash Flow$1.8M✓PiotroskiCFO > 0(CFO / Total Assets) vs ROACFO/Assets=3.09%, ROA=3.09%✓PiotroskiCFO/Assets > ROAPositive Operating Cash Flow frequency16/16 years positive✓SleepPositive OCF in >= 70% of available years
Where It Falls Short
- Profitability0% pass✓ 2✗ 3▾
No clean pass — all 2 investors flag at least one profitability criterion
Net Income / Total Assets3.09%✓PiotroskiROA > 0ROA Change YoY5.05% -> 3.09% (delta: -1.96%)✗PiotroskiCurrent ROA > Prior ROA(CFO / Total Assets) vs ROACFO/Assets=3.09%, ROA=3.09%✓PiotroskiCFO/Assets > ROAGross Margin Change YoY✗PiotroskiImproved YoYRevenue growth vs. gross and operating margin trend✗SleepRevenue rising; gross margin flat or falling; operating margin holding - Efficiency0% pass✗ 3▾
All 2 investors flag RWDMU's efficiency
Current Ratio Change YoY✗PiotroskiIncreased YoYRevenue / Total Assets Change YoY0.09x -> 0.09x✗PiotroskiImproved YoYROIC (5-year)✗SleepROIC > 12% in a majority of years - Verdicts50% pass✓ 1✗ 1▾
Split decision: 1 PASS · 1 FAIL
Overall verdict✓PiotroskiPASS (F-Score 5)✗SleepFAIL (2/6)
Business & financials
Financial snapshot: annual FY 2025. Current investor scores may use newer quarterly data.
Company Profile
Financial Snapshot
Similar Companies
No peer companies found in this industry.
Shareholder Return
Fiscal 2025
Retired 4.9% of shares last year, 10.5% over two.
- Buybacks
- —
- Dividends
- —
Company Financials
Latest TTM and quarters alongside annual years
TTM sums four consecutive quarters and uses the latest quarter-end balances. Quarter columns show three-month results; annual columns show full-year totals. Growth compares the same period a year earlier. EPS is not added for TTM; full-year ratios are blank for quarters.
The latest annual period end is unavailable. Showing the latest fiscal cycle’s quarters; quarter and annual columns may overlap. Quarterly shows the full quarter history.
| Metric | TTM · 2026-06-30 2025-07-01 – 2026-06-30 Sources · derived quarter valuesDerived from cumulative filings: operating cash flow, revenue, net income, interest expense. | Q2 FY 2026 2026-04-01 – 2026-06-30 Sources · derived quarter valuesDerived from cumulative filings: operating cash flow. | Q1 FY 2026 2026-01-01 – 2026-03-31 Sources | FY 2025Sources
| FY 2024Sources
| FY 2023Sources
| FY 2022Sources
| FY 2021Sources
|
|---|---|---|---|---|---|---|---|---|
| Market Cap | -- | -- | -- | -- | -- | -- | -- | -- |
| Revenue | $5.7M | $1.3M↑27% | $1.4M↑29% | $5.1M↓18% | $6.2M↑1% | $6.1M↑1% | $6.1M↓7% | $6.5M |
| Operating Income | -- | -- | -- | -- | -- | -- | -- | -- |
| Net Income | $2.6M | $645.0K↑138% | $655.0K↑202% | $1.8M↓46% | $3.4M↓11% | $3.8M↓6% | $4.1M↓16% | $4.8M |
| EPS (Diluted) | -- | -- | -- | -- | -- | -- | -- | -- |
| Gross Margin | — | — | — | — | — | — | — | — |
| Operating Margin | — | — | — | — | — | — | — | — |
| ROE | 4.6% | — | — | 3.1%↓43% | 5.4%↓7% | 5.8%↓3% | 6.0%↓8% | 6.5% |
| Total Debt | $1.9M | $1.9M | $1.9M | $0↓100% | $4.0M↑86% | $2.2M↓78% | $9.9M↑17% | $8.5M |
| Shareholders' Equity | $58.0M | $58.0M↓4% | $58.6M↓5% | $59.1M↓6% | $62.9M↓4% | $65.5M↓3% | $67.7M↓8% | $73.4M |
| Current Ratio | — | — | — | — | — | — | — | — |
| Debt / Equity | 0.03 | 0.03 | 0.03 | 0.00↓100% | 0.06↑93% | 0.03↓78% | 0.15↑27% | 0.12 |
| Operating Cash Flow | $2.4M | $225.0K↓35% | $779.0K↑533% | $1.8M↓45% | $3.3M↓6% | $3.5M↓7% | $3.8M↓35% | $5.8M |
| Free Cash Flow | -- | -- | -- | -- | -- | -- | -- | -- |