KCRD (Kindcard) EBIT: $-0.33 Mil (TTM As of Apr. 2026)

Author:

Vera Yuan

Director of Data and Quant Analytics at GuruFocus

Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.

View Profile →

Reviewed by:

Charlie Tian

Founder & CEO of GuruFocus

Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

View Profile →

What is Kindcard EBIT?

Kindcard KCRD +36.18% EBIT is $-0.33 Mil as of Apr. 2026. The stock has 5 warning signs investors should review.

Kindcard's earnings before interest and taxes (EBIT) for the three months ended in Apr. 2026 was $-0.06 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Apr. 2026 was $-0.33 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Kindcard's annualized ROC % for the quarter that ended in Apr. 2026 was -60.34%. Kindcard's annualized ROC (Joel Greenblatt) % for the quarter that ended in Apr. 2026 was %.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Kindcard's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Apr. 2026 was -8.18%.

Kindcard (OTCPK:KCRD) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Kindcard's annualized ROC % for the quarter that ended in Apr. 2026 is calculated as:

	ROC % (Q: Apr. 2026 )
=	NOPAT	/	Average Invested Capital
=	Operating Income * ( 1 - Tax Rate % )	/	( (Invested Capital (Q: Jan. 2026 )	+	Invested Capital (Q: Apr. 2026 ))	/ count )
=	-0.248 * ( 1 - 0% )	/	( (0.402	+	0.42)	/ 2 )
=	-0.248	/	0.411
=	-60.34 %

where

	Invested Capital		(Q: Jan. 2026 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	0.051	-	0.618	-	( 0.009	-	max(0, 1.011	-	0.042	+	0.009	))
=	0.402

	Invested Capital		(Q: Apr. 2026 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	0.06	-	0.667	-	( 0.009	-	max(0, 1.08	-	0.053	+	0.009	))
=	0.42

Note: The Operating Income data used here is four times the quarterly (Apr. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Kindcard's annualized ROC (Joel Greenblatt) % for the quarter that ended in Apr. 2026 is calculated as:

	ROC (Joel Greenblatt) %		(Q: Apr. 2026 )
=	EBIT	/	Average of (Net fixed Assets	+	Net Working Capital)
=	EBIT	/	Average of (Property, Plant and Equipment	+	Net Working Capital)
			Q: Jan. 2026		Q: Apr. 2026
=	EBIT	/	( ( (Property, Plant and Equipment + Net Working Capital)	+	(Property, Plant and Equipment + Net Working Capital) )	/	count )
=	-0.248	/	( ( (0 + max(-0.585, 0))	+	(0 + max(-0.623, 0)) )	/	2 )
=	-0.248	/	( ( 0	+	0 )	/	2 )
=	-0.248	/	0
=	%

where Working Capital is:

	Working Capital		(Q: Jan. 2026 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(0.033	+	0	+	0)	-	(0.618	+	0	+	-2.2204460492503E-16)
=	-0.585

	Working Capital		(Q: Apr. 2026 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(0.044	+	0	+	0)	-	(0.667	+	0	+	0)
=	-0.623

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Apr. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Kindcard's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %	=	EBIT (TTM)	/	Enterprise Value (Q: Apr. 2026 )
	=	-0.329	/	4.024
	=	-8.18 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Kindcard EBIT Related Terms

Kindcard EBIT Historical Data

* Premium members only.

The historical data trend for Kindcard's EBIT can be seen below:

Kindcard EBIT Chart

Kindcard Annual Data

Trend

Jan17

Jan18

Jan19

Jan20

Jan21

Jan22

Jan23

Jan24

Jan25

Jan26

EBIT

Get a 7-Day Free Trial

-0.29

-0.44

-0.26

-0.25

-0.32

Kindcard Quarterly Data
	Jul21	Oct21	Jan22	Apr22	Jul22	Oct22	Jan23	Apr23	Jul23	Oct23	Jan24	Apr24	Jul24	Oct24	Jan25	Apr25	Jul25	Oct25	Jan26	Apr26
EBIT	Get a 7-Day Free Trial															-0.06	-0.18	-0.05	-0.04	-0.06

KCRD vs OVTZ, VISM, IPSI: EBIT Comparison

For the Software - Infrastructure subindustry, Kindcard's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Kindcard EV-to-EBIT vs Software Industry

For the Software industry and Technology sector, Kindcard's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Kindcard's EV-to-EBIT falls into.

Save Embed

Kindcard EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT for the trailing twelve months (TTM) ended in Apr. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.33 Mil.

Frequently Asked Questions Learn more about EBIT →

What does a EBIT of $-0.33 Mil mean?

Kindcard (KCRD) has a EBIT of $-0.33 Mil as of Apr. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Kindcard.

Is Kindcard's EBIT too high?

Kindcard's current EBIT is $-0.33 Mil.

How does Kindcard's EBIT compare to OVTZ and VISM?

Kindcard's EBIT of $-0.33 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good EBIT for a Software company?

A good EBIT depends on the Software industry context. However, EBIT should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.

What does a high EBIT mean?

A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Kindcard. Kindcard's current EBIT is $-0.33 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.

Is Kindcard stock overvalued right now?

Based on GuruFocus' analysis, Kindcard (KCRD) is currently considered Modestly Overvalued. The stock's GF Value™ is $0.03, compared to a current price of $0.03 — trading 11.7% above its estimated fair value. The current EBIT is $-0.33 Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.

How is EBIT calculated?

EBIT is calculated from a company's financial statements. For Kindcard (KCRD), the current EBIT is $-0.33 Mil as of Apr. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Kindcard Business Description

Industry Technology Software

Comparable Companies OVTZ VISM IPSI CETX SEII VHAI TGCB SMKG DROP LHSW MSFT ORCL PLTR PANW CRWD HKSE:02513 FTNT SNPS NET CRWV

Address 1001 Yamato Road, Suite 100, Boca Raton, FL, USA, 33431

Website https://www.kindcard.com

Kindcard Inc, through its subsidiaries, is a FinTech and PayTech company that provides traditional payment solutions, as well as alternative Closed-Loop payment solutions, to consumers and businesses across a wide variety of verticals globally. The company offers its services through its proprietary Pay with Deb consumer app and merchant services platform, which operates on a closed-loop system, whereby consumers can purchase Deb Tokens to store in their wallet and use them to make purchases with the Pay with Deb merchant network. In addition, the company offers independent merchants a gift card and loyalty platform, allowing businesses to purchase their proprietary gift card program to promote and sell to their customers, where their customers can also earn points.