ISGIF (InsuraGuest Technologies) Operating Income: $-0.43 Mil (TTM As of Dec. 2025)

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What is InsuraGuest Technologies Operating Income?

InsuraGuest Technologies ISGIF Operating Income is $-0.43 Mil as of Dec. 2025. The stock has 2 warning signs investors should review.

InsuraGuest Technologies's Operating Income for the three months ended in Dec. 2025 was $-0.02 Mil. Its Operating Income for the trailing twelve months (TTM) ended in Dec. 2025 was $-0.43 Mil.

Operating Margin % is calculated as Operating Income divided by its Revenue. InsuraGuest Technologies's Operating Income for the three months ended in Dec. 2025 was $-0.02 Mil. InsuraGuest Technologies's Revenue for the three months ended in Dec. 2025 was $0.40 Mil. Therefore, InsuraGuest Technologies's Operating Margin % for the quarter that ended in Dec. 2025 was -5.46%.

Good Sign:

InsuraGuest Technologies Inc operating margin is expanding. Margin expansion is usually a good sign.

InsuraGuest Technologies's 5-Year average Growth Rate for Operating Margin % was 63.50% per year.

Operating Income or EBIT is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. InsuraGuest Technologies's annualized ROC % for the quarter that ended in Dec. 2025 was -94.12%. InsuraGuest Technologies's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 was -275.00%.

InsuraGuest Technologies  (OTCPK:ISGIF) Operating Income Explanation

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

InsuraGuest Technologies's annualized ROC % for the quarter that ended in Dec. 2025 is calculated as:

ROC % (Q: Dec. 2025 )
=NOPAT/Average Invested Capital
=Operating Income * ( 1 - Tax Rate % )/( (Invested Capital (Q: Sep. 2025 ) + Invested Capital (Q: Dec. 2025 ))/ count )
=-0.088 * ( 1 - 0% )/( (0.106 + 0.081)/ 2 )
=-0.088/0.0935
=-94.12 %

where

Invested Capital(Q: Sep. 2025 )
=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))
=0.375 - 0.603 - ( 0.223 - max(0, 0.669 - 0.335+0.223))
=0.106

Invested Capital(Q: Dec. 2025 )
=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))
=0.395 - 0.65 - ( 0.145 - max(0, 0.704 - 0.368+0.145))
=0.081

Note: The Operating Income data used here is four times the quarterly (Dec. 2025) data.

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

InsuraGuest Technologies's annualized ROC (Joel Greenblatt) % for the quarter that ended in Dec. 2025 is calculated as:

ROC (Joel Greenblatt) %(Q: Dec. 2025 )
=EBIT/Average of (Net fixed Assets + Net Working Capital)
=EBIT/Average of (Property, Plant and Equipment+Net Working Capital)
     Q: Sep. 2025  Q: Dec. 2025
=EBIT/( ( (Property, Plant and Equipment + Net Working Capital) + (Property, Plant and Equipment + Net Working Capital) )/ count )
=-0.088/( ( (0.038 + max(-0.542, 0)) + (0.026 + max(-0.474, 0)) )/ 2 )
=-0.088/( ( 0.038 + 0.026 )/ 2 )
=-0.088/0.032
=-275.00 %

where Working Capital is:

Working Capital(Q: Sep. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.036 + 0 + 0.049) - (0.603 + 0.024 + 0)
=-0.542

Working Capital(Q: Dec. 2025 )
=(Accounts Receivable + Total Inventories + Other Current Assets) - (Accounts Payable & Accrued Expense + Defer. Rev. + Other Current Liabilities)
=(0.147 + 0 + 0.051) - (0.65 + 0.022 + -1.1102230246252E-16)
=-0.474

When net working capital is negative, 0 is used.

Note: The EBIT data used here is four times the quarterly (Dec. 2025) EBIT data.

3. Operating Income is also linked to Operating Margin %:

InsuraGuest Technologies's Operating Margin % for the quarter that ended in Dec. 2025 is calculated as:

Operating Margin %=Operating Income (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-0.022/0.403
=-5.46 %

* 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.

4. Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Operating Income growth rate using Operating Income per share data.

Be Aware

Compared with a company's EBITDA margin, Operating Margin can be manipulated by adjusting the rate of depreciation, depletion and amortization (DDA).

If a company is facing competition, its Operating Margin may decline. Often the Operating Margin declines well before the company's revenue or even profit decline. Therefore, Operating Margin is a very important indicator of whether the company is facing problems.

For instance, by 2012, Nokia (NOK)'s problems were well known and its stock had lost more than 90% of its market value since 2007. But Nokia's Operating Margin had already been in decline since 2002, although its earnings per share were still rising. Investors who paid attention to Operating Margin would have avoided this huge loss. The same can be said for Research-in-Motion (RIMM).

Therefore, Operating Margin is a very important screening filter for GuruFocus. GuruFocus's Buffett-Munger screener requires that the profit margin is either consistent or expanding. The Model Portfolio of the Buffett-Munger screener has outperformed the market every year since inception in 2009.

InsuraGuest Technologies Operating Income Related Terms

InsuraGuest Technologies Operating Income Historical Data

* Premium members only.

The historical data trend for InsuraGuest Technologies's Operating Income can be seen below:

* 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.

InsuraGuest Technologies Operating Income Chart

InsuraGuest Technologies Annual Data
Trend Jun16 Jun17 Jun18 Jun19 Jun20 Jun21 Jun22 Jun23 Jun24 Jun25
Operating Income
Get a 7-Day Free Trial Premium Member Only Premium Member Only -1.52 -1.41 -0.73 -0.66 -0.40

InsuraGuest Technologies Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Operating Income Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only -0.05 -0.05 -0.22 -0.14 -0.02

InsuraGuest Technologies Operating Income Calculation

Operating Income, is the profit a company earned through operations. All expenses, including cash expenses such as cost of goods sold (COGS), research & development, wages, and non-cash expenses, such as depreciation, depletion and amortization, have been deducted from the sales.

Operating Income for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $-0.43 Mil.

* 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.

Frequently Asked Questions Learn more about Operating Income →
What does a Operating Income of $-0.43 Mil mean?
InsuraGuest Technologies (ISGIF) has a Operating Income of $-0.43 Mil as of Dec. 2025. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on InsuraGuest Technologies and its competitors.
Is InsuraGuest Technologies' Operating Income too high?
InsuraGuest Technologies' current Operating Income is $-0.43 Mil.
How does InsuraGuest Technologies' Operating Income compare to UBER and SHOP?
InsuraGuest Technologies' Operating Income of $-0.43 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 Operating Income for a Software company?
A good Operating Income depends on the Software industry context. However, Operating Income 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 Operating Income mean?
A high Operating Income can signal that a stock is expensive relative to its fundamentals. Operating Income equals sales less all operating expenses. It is linked to EBIT. View historical data on InsuraGuest Technologies and its competitors. InsuraGuest Technologies's current Operating Income is $-0.43 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is InsuraGuest Technologies stock overvalued right now?
Based on GuruFocus' analysis, InsuraGuest Technologies (ISGIF) is currently considered Possible Value Trap. The stock's GF Value™ is $0.02, compared to a current price of $0.01 — trading 66.5% below its estimated fair value. The current Operating Income is $-0.43 Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Operating Income calculated?
Operating Income is calculated from a company's financial statements. For InsuraGuest Technologies (ISGIF), the current Operating Income is $-0.43 Mil as of Dec. 2025. 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.

InsuraGuest Technologies Business Description

Other Exchanges ISGI:Canada
Address 625 Howe Street, Suite 1140, Vancouver, BC, CAN, V6C 2T6
InsuraGuest Technologies Inc is an insurtech company disrupting the insurance landscape by utilizing its proprietary software platform to deliver digital insurance to multiple sectors. Its products include InsuraGuest Hospitality and InsuraGuest Technologies' Insurtech Platform. It is a SaaS company that utilizes proprietary insurance and technology software to integrate its insurtech software platform, embedding short-term rental and event-based insurance products into the vacation rental, hotel, sports, and ticketed events sectors.