SMJ International Holdings Inc.

SMJF

SMJ International Holdings Inc., through its subsidiaries, engages in the sale and distribution of a range of flooring products. The company offers flooring products, such as carpet tiles, broadloom carpets, and vinyl tiles under the proprietary brand. It markets its products in Singapore, Malaysia, Indonesia, Philippines, Hong Kong, the People's Republic of China, Taiwan, Korea, Thailand, Vietnam, Brunei, India, Sri Lanka, the United Arab Emirates, Saudi Arabia, Maldives, Brazil, Uruguay, Chile, Australia, Kuwait, and the United Kingdom.

About the company

Country: Cayman IslandsPrice: $1.37Market Cap: $38.0M

Investment snapshot

0%positive consensus

Scored 1d ago

Positive

BUY / PASS

Neutral / negative

2 / 14

NEUTRAL / FAIL

Median fair value

$0.25

-81.8% vs price

Models with upside

1 / 17

Positive margin of safety

Strongest signal

8 of 12 pass — Graham, Buffett, Lynch +1 more object

Key risk

All 16 investors flag SMJF's profitability

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	Graham Defensive Value	Buffett Quality Compounder	Lynch GARP	Greenblatt Magic Formula	Piotroski F-Score	Dreman Contrarian Value	Munger Quality Focus	Pabrai Dhandho Framework	Akre Three-Legged Stool	Marks Risk-Aware Value	Ackman Activist Value	Templeton Global Bargain Hunter	Sleep Scale Economies Shared	Asness Systematic Factors	Neff Low-P/E Total Return	Schloss Asset-Value Discipline	O'Shaughnessy Systematic Factor Composite
Verdict	FAIL	FAIL	FAIL	FAIL · Rank #1946 (Top 62.8%)	FAIL	FAIL	FAIL	FAIL	FAIL	FAIL	FAIL	FAIL	FAIL	NEUTRAL	FAIL	FAIL	NEUTRAL
Score
Analysis	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…	Checking access…
Intrinsic Value (annual)	N/A	N/A	N/A		N/A		N/A	N/A			N/A		N/A	N/A	N/A	N/A	N/A
Margin of Safety	N/A	N/A	N/A	-1041.7%	N/A	-448.0%	N/A	N/A	+9.3%	-448.0%	N/A	-448.0%	N/A	N/A	N/A	N/A	N/A
Financial Basis	Annual history · FY 2025 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 · Market data at 2026-11-01 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2025 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Qualitative assessment · Annual history · FY 2025 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 · Market data at 2026-11-01 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 · Price history 2026-08-01–2026-11-01 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 · Qualitative assessment Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 · Price history 2026-08-01–2026-11-01 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 Latest source filing: 2026-07-28 Score computed: 2026-11-14	Annual history · FY 2025 · Price history 2026-08-01–2026-11-01 Latest source filing: 2026-07-28 Score computed: 2026-11-14

Where It Passes

Debt & Leverage67% pass✓ 11✗ 4▾
8 of 12 pass — Graham, Buffett, Lynch +1 more object
LT Debt vs Net Current Assets
✗GrahamLT Debt <= Net Current Assets
Debt/Equity & Interest CoverageD/E: 0.09, IC: -6.3x
✗BuffettD/E < 0.5 AND Interest Coverage > 5x
Total Debt / Equity0.09
✓Lynch< 0.33
Cash - Long-term Debt
✗LynchPositive preferred
LT Debt / Total Assets Change0.00% -> 0.00%
✓PiotroskiDecreased YoY
Current Assets / Current Liabilities4.64
✓Dreman> 1.5✓SchlossCurrent ratio >= 1.50x (app cutoff)
Total Debt / Shareholders' Equity0.09
✓Dreman< 0.8✓Templeton< 1.0 (fixed cap; proxy for below-sector-median leverage)✓SchlossD/E < 1.00x
Debt Levels0.09
✓MungerDebt/Equity < 0.5✓AkreDebt/Equity < 0.3
Interest Coverage & Debt/EBITDAIC=-6.3x, D/EBITDA=N/A
✗MarksInterest Coverage > 3x; Debt/EBITDA < 4x
Total Debt / Shareholders Equity0.09
✓Ackman<= 1.0
Negative debt-to-equity (higher means less debt)-0.0891; #1224/4210 (top 29.1%)
✓AsnessTop 30% of eligible cross-section

Where It Falls Short

Profitability0% pass✗ 35▾
All 16 investors flag SMJF's profitability
Positive EPS (10 years)2/4 years positive
✗GrahamPositive EPS every year for 10 years
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Net Income Positive (10+ years)2/4 years positive
✗BuffettPositive every year for 10+ years
ROE (up to 5-year arithmetic mean)7.3%
✗Buffett> 15% arithmetic mean (app rule)
Operating Margin (10-yr trend)
✗BuffettStable or rising over 10 years
Free Cash Flow Proxy$-0.7M
✗BuffettPositive and growing
Earnings Variance (10-yr CoV)
✗BuffettCoV < 0.3
Retained Earnings Effectiveness
✗Buffett$1 retained -> > $1 market value created
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR
✗Lynch15-30% (Fast Grower); > 0% to pass
ROE-4.9%
✗Lynch> 15%
EBIT / Enterprise Value-2.0%
✗Greenblatt> 10%
Earnings Yield + ROC AssessmentEY=-2.0%, ROC=-6.7%
✗GreenblattBoth EY > 10% and ROC > 25%
Net Income / Total Assets-3.09%
✗PiotroskiROA > 0
ROA Change YoY5.31% -> -3.09% (delta: -8.39%)
✗PiotroskiCurrent ROA > Prior ROA
(CFO / Total Assets) vs ROACFO/Assets=-11.36%, ROA=-3.09%
✗PiotroskiCFO/Assets > ROA
Gross Margin Change YoY36.1% -> 34.6%
✗PiotroskiImproved YoY
Pre-Tax Income / Revenue-3.4%
✗Dreman>= 8%
Net Income / Shareholders' Equity-4.9%
✗Dreman> 12%
Margin of SafetyP/B=2.4x
✗PabraiP/B < 1.5 or P/E < 15
Return on Equity7.3% (3-yr avg)
✗AkreROE > 20% (3-year avg)
Discount to Intrinsic Value-440.5% (IV=$0.25 vs Price=$1.37)
✗Marks>= 20% below intrinsic value
Positive Net Income Frequency2/3 years positive
✗MarksPositive net income in >= 7 of last 10 years
Operating Income / Revenue-5.5%
✗Ackman>= 15%
Net Income / Shareholders Equity-4.9%
✗Ackman>= 15%
5-Year EPS CAGR
✗Templeton> 0% (5-year EPS CAGR)
Operating Margin Trend8.9% (2023) -> -5.5% (2025)
✗TempletonNon-negative operating-margin trend over 3 years
Revenue growth vs. gross and operating margin trendgross margin 38.0% -> 34.6%, operating margin 8.9% -> -5.5%
✗SleepRevenue rising; gross margin flat or falling; operating margin holding
Net income / market capitalization-1.89%; #3543/6340 (top 55.9%)
✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
Gross profit / total assets+20.10%; #2055/3702 (top 55.5%)
✗AsnessTop 30% of eligible cross-section
Net income / positive book equity-4.89%; #3204/5226 (top 61.3%)
✗AsnessTop 30% of eligible cross-section
Negative 5-year standard deviation of ROA
✗AsnessTop 30% of eligible cross-section
3-5 Year Diluted EPS CAGR
✗Neff7%-20% annualized
Positive Diluted-EPS Years
✗Schloss>= 70% positive over 5-10 observed years (app rule)
Valuation0% pass✗ 28▾
All 13 investors flag SMJF's valuation
Price / 3-yr avg EPS81.1x
✗Graham<= 15x
Price-to-Book Ratio2.4x
✗Graham<= 1.5x
P/E x P/B196.30
✗Graham<= 22.5
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
EBIT / Enterprise Value-2.0%
✗Greenblatt> 10%
Earnings Yield + ROC AssessmentEY=-2.0%, ROC=-6.7%
✗GreenblattBoth EY > 10% and ROC > 25%
Price / EPS
✗Dreman< 12x✗Templeton< 12x (fixed ceiling; proxy for the market's cheapest 40%)
Price / (CFO / Shares)N/A (negative CFPS)
✗Dreman< 8x
Price / Book Value per Share2.4x
✗Dreman< 1.2x✗Templeton< 1.5x✗SchlossP/B <= 0.80x (app cutoff)
Valuation ReasonablenessOE Yield=-2.0%
✗MungerP/E < 25 or Owner Earnings Yield > 5%
P/E or FCF YieldFCF Yield=-7.1%
✗PabraiP/E < 15 or FCF Yield > 10%
P/B or P/E vs. Historical AverageP/B=2.4x
✗MarksP/E < 15 or P/B < 2.0
Discount to Intrinsic Value-440.5% (IV=$0.25 vs Price=$1.37)
✗Marks>= 20% below intrinsic value
Price / FCF per ShareN/A (negative FCF)
✗Ackman<= 25
Price vs. Trailing Low
✗Templeton<= 120% of trailing low (certified split-adjusted live window)
Net income / market capitalization-1.89%; #3543/6340 (top 55.9%)
✗AsnessTop 30% of eligible cross-section✗OshaughnessyTop 10% of eligible cross-section
Positive book equity / market capitalization+0.3857; #3336/6449 (top 51.7%)
✗AsnessTop 30% of eligible cross-section
Price / Diluted EPS
✗NeffP/E <= 15x (app proxy for a P/E 40%-60% below the market)
(EPS CAGR % + Dividend Yield %) / P/E
✗Neff> 0.7 (Neff's published traditional edge)
Price / Tangible Book Value per Share2.42x
✗SchlossP/TBV <= 1.00x (app cutoff)
Book Value per Share Change
✗SchlossLatest BVPS >= earliest BVPS over >= 3 years (app rule)
Revenue / market capitalization+0.3556; #3086/5247 (top 58.8%)
✗OshaughnessyTop 10% of eligible cross-section
(Operating cash flow - capex) / market capitalization-7.08%; #3101/4519 (top 68.6%)
✗OshaughnessyTop 10% of eligible cross-section
Trailing six-month price return through the evaluation date
✗OshaughnessyTop 10% of eligible cross-section
Cash Flow0% pass✗ 12▾
All 10 investors flag SMJF's cash flow
Free Cash Flow Proxy$-0.7M
✗BuffettPositive and growing
FCF Positive and Growing$-2.7M
✗LynchPositive and growing
Operating Cash Flow$-2.6M
✗PiotroskiCFO > 0
(CFO / Total Assets) vs ROACFO/Assets=-11.36%, ROA=-3.09%
✗PiotroskiCFO/Assets > ROA
Price / (CFO / Shares)N/A (negative CFPS)
✗Dreman< 8x
P/E or FCF YieldFCF Yield=-7.1%
✗PabraiP/E < 15 or FCF Yield > 10%
FCF Positive1/3 years FCF positive
✗MarksPositive FCF in majority of recent years
(OCF - CapEx) / Market Cap-7.6%
✗Ackman>= 4%
Price / FCF per ShareN/A (negative FCF)
✗Ackman<= 25
Positive Operating Cash Flow frequency2/3 years positive
✗SleepPositive OCF in >= 70% of available years
Operating Cash Flow - Capital Expenditures$-2.7M
✗Neff> $0 (app proxy for a strong fundamental case)
(Operating cash flow - capex) / market capitalization-7.08%; #3101/4519 (top 68.6%)
✗OshaughnessyTop 10% of eligible cross-section
Growth0% pass✓ 1✗ 12▾
No clean pass — all 8 investors flag at least one growth criterion
EPS Growth (3-yr avg, 10-yr window)
✗Graham>= 33% growth
Basic earnings-growth PEG (dividends excluded)
✗Lynch< 1.0 (ideally < 0.5)
3-5 Year EPS CAGR
✗Lynch15-30% (Fast Grower); > 0% to pass
Inventory Growth vs Revenue GrowthInv: -12.2% vs Rev: 7.6%
✓LynchInventory growth < Revenue growth
EPS Growth Direction$0.05 (2023) -> $-0.03 (2025)
✗DremanPositive over recent years
EPS CAGR
✗Dreman> 5% annualized
Positive Net Income Frequency2/3 years positive
✗MarksPositive net income in >= 7 of last 10 years
3yr Median Revenue Growth4.8%
✗Ackman>= 5%
Positive EPS Growth Frequency0/2 years with positive EPS growth
✗AckmanPositive EPS growth in >= 3 of last 5 years
5-Year EPS CAGR
✗Templeton> 0% (5-year EPS CAGR)
Revenue growth vs. gross and operating margin trendgross margin 38.0% -> 34.6%, operating margin 8.9% -> -5.5%
✗SleepRevenue rising; gross margin flat or falling; operating margin holding
5-year Revenue CAGR
✗SleepCAGR > 7%
3-5 Year Diluted EPS CAGR
✗Neff7%-20% annualized
Verdicts0% pass✗ 15▾
Split decision: 14 FAIL · 2 NEUTRAL
Overall verdict
✗GrahamFAIL (1/9)✗BuffettFAIL (0/9)✗LynchFAIL (2/7)✗GreenblattRank #1946✗PiotroskiFAIL (F-Score 2)✗DremanFAIL (2/11)✗MungerFAIL (1/4)✗PabraiFAIL (0/3)✗AkreFAIL (2/6)✗MarksFAIL (0/5)✗AckmanFAIL (1/9)✗TempletonFAIL (2/8)✗SleepFAIL (1/6)•AsnessNEUTRAL (Not ranked)✗NeffFAIL (0/6)✗SchlossFAIL (2/7)•OshaughnessyNEUTRAL (Not ranked)
Valuation models20% pass✓ 1✗ 4▾
Models split on SMJF at $1.37 — fair values range $0.12–$1.51
Greenblatt fair value$0.12
✗Greenblatt-1041.7% margin vs $1.37
Dreman fair value$0.25
✗Dreman-448.0% margin vs $1.37
Akre fair value$1.51
✓Akre+9.3% margin vs $1.37
Marks fair value$0.25
✗Marks-448.0% margin vs $1.37
Templeton fair value$0.25
✗Templeton-448.0% margin vs $1.37
Efficiency25% pass✓ 3✗ 8▾
6 of 8 flag SMJF's efficiency — Buffett, Greenblatt, Piotroski +3 more
Current Ratio4.64
✓Graham>= 2.0
ROIC (3-5 yr avg)3.0%
✗Buffett> 10%
ROIC - WACC-7.0%
✗BuffettPositive (WACC = 10%)
EBIT / (NWC + Net Fixed Assets)-6.7%
✗Greenblatt> 25%
Current Ratio Change YoY1.99 -> 4.64
✓PiotroskiIncreased YoY
Revenue / Total Assets Change YoY0.88x -> 0.58x
✗PiotroskiImproved YoY
Current Assets / Current Liabilities4.64
✓Dreman> 1.5
Return on Invested Capital-3.7%
✗Munger> 15%
ROIC (high and growing)FY2023: ROIC=unavailable; FY2024: ROIC=9.2%; FY2025: ROIC=-3.7%
✗AkreLatest 3 consecutive FYs: ROIC > 15% in each
Reinvestment Rate x ROICN/A (non-positive net income)
✗AkreReinvestment Rate * ROIC > 10%
ROIC (5-year)0/2 years above 12% (latest -3.7%)
✗SleepROIC > 12% in a majority of years

Business & financials

Financial snapshot: annual FY 2025. Current investor scores may use newer quarterly data.

Company Profile

Size: Micro Cap($38.0M)

Revenue: $13.5M+7.6% YoY

Net Income: $-716459.74-194.7% YoY

Financial Snapshot

Operating Margin-5.5%

Return on Equity-4.9%

Debt / Equity0.09

Current Ratio4.64

EPS (Diluted)$-0.03−42.6% 1y

Shares Retired−3.5% / −3.5% 2y

Similar Companies

No peer companies found in this industry.

Shareholder Return

Fiscal 2025

Issued 3.5% of shares last year, 3.5% issued over two.

Buybacks: —
Dividends: —

What drove EPS

A buyback raises earnings per share without the company earning more. This splits each year's change into the two.

FY24

−42.6% = −42.6% + 0.0%

Earnings Fewer shares More shares

Share count is the denominator the filer used for diluted EPS, recovered as net income ÷ EPS — not the balance-sheet count, which is a point-in-time figure and would put the timing difference into this split. Years with a loss are omitted: a smaller share count makes a loss per share larger, so the decomposition inverts.

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.

Metric	FY 2025 Sources 20-F · 2026-07-28	FY 2024 Sources 20-F · 2026-07-28	FY 2023 Sources 20-F · 2026-07-28	FY 2022 Sources 20-F · 2026-07-28
Market Cap	$38.0Mcurrent	--	--	--
Revenue	$13.5M↑8%	$12.5M↑2%	$12.3M	--
Operating Income	-$746.7K↓187%	$858.9K↓21%	$1.1M	--
Net Income	-$716.5K↓195%	$756.9K↓43%	$1.3M	--
EPS (Diluted)	$-0.03↓204%	$0.03↓43%	$0.05	--
Gross Margin	34.6%↓4%	36.1%↓5%	38.0%	—
Operating Margin	-5.5%↓181%	6.8%↓23%	8.9%	—
ROE	-4.9%↓137%	13.2%↓2%	13.5%	—
Total Debt	$1.3M↓22%	$1.7M	--	--
Shareholders' Equity	$14.6M↑156%	$5.7M↓41%	$9.7M↑11%	$8.8M
Current Ratio	4.64↑133%	1.99	—	—
Debt / Equity	0.09↓70%	0.29	—	—
Operating Cash Flow	-$2.6M↓4372%	$61.7K↓97%	$2.2M	--
Free Cash Flow	-$2.7M↓8993%	-$29.5K↓101%	$2.2M	--