DJCO Fundamental Analysis - DAILY JOURNAL CORP

Fundamental Rating

We assign a fundamental rating of 6 out of 10 to DJCO. DJCO was compared to 281 industry peers in the Software industry. DJCO scores excellent points on both the profitability and health parts. This is a solid base for a good stock. DJCO has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

DJCO had positive earnings in the past year.

In the past year DJCO had a positive cash flow from operations.

Of the past 5 years DJCO 4 years were profitable.

The reported operating cash flow has been mixed in the past 5 years: DJCO reported negative operating cash flow in multiple years.

1.2 Ratios

DJCO has a better Return On Assets (19.55%) than 94.66% of its industry peers.

DJCO has a better Return On Equity (27.72%) than 91.10% of its industry peers.

DJCO has a Return On Invested Capital of 1.10%. This is in the better half of the industry: DJCO outperforms 64.41% of its industry peers.

DJCO had an Average Return On Invested Capital over the past 3 years of 0.99%. This is significantly below the industry average of 12.00%.

The 3 year average ROIC (0.99%) for DJCO is below the current ROIC(1.10%), indicating increased profibility in the last year.

		Industry Rank	Sector Rank
ROA	19.55%
ROE	27.72%
ROIC	1.1%

ROA(3y)0.56%

ROA(5y)6.58%

ROE(3y)-1.18%

ROE(5y)8.73%

ROIC(3y)0.99%

ROIC(5y)N/A

1.3 Margins

The Profit Margin of DJCO (122.18%) is better than 97.15% of its industry peers.

In the last couple of years the Profit Margin of DJCO has declined.

DJCO has a better Operating Margin (8.40%) than 71.89% of its industry peers.

In the last couple of years the Operating Margin of DJCO has grown nicely.

With an excellent Gross Margin value of 89.70%, DJCO belongs to the best of the industry, outperforming 97.15% of the companies in the same industry.

DJCO's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	8.4%
PM (TTM)	122.18%
GM	89.7%

OM growth 3Y10.16%

OM growth 5YN/A

PM growth 3Y-21.24%

PM growth 5YN/A

GM growth 3Y-1.34%

GM growth 5Y-0.38%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so DJCO is destroying value.

DJCO has about the same amout of shares outstanding than it did 1 year ago.

The number of shares outstanding for DJCO has been reduced compared to 5 years ago.

The debt/assets ratio for DJCO has been reduced compared to a year ago.

2.2 Solvency

An Altman-Z score of 5.05 indicates that DJCO is not in any danger for bankruptcy at the moment.

The Altman-Z score of DJCO (5.05) is better than 69.75% of its industry peers.

DJCO has a debt to FCF ratio of 2.19. This is a good value and a sign of high solvency as DJCO would need 2.19 years to pay back of all of its debts.

DJCO's Debt to FCF ratio of 2.19 is fine compared to the rest of the industry. DJCO outperforms 66.19% of its industry peers.

DJCO has a Debt/Equity ratio of 0.07. This is a healthy value indicating a solid balance between debt and equity.

DJCO has a Debt to Equity ratio (0.07) which is comparable to the rest of the industry.

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	2.19
Altman-Z	5.05

ROIC/WACC0.1

WACC11.02%

2.3 Liquidity

A Current Ratio of 12.42 indicates that DJCO has no problem at all paying its short term obligations.

The Current ratio of DJCO (12.42) is better than 95.37% of its industry peers.

A Quick Ratio of 12.41 indicates that DJCO has no problem at all paying its short term obligations.

DJCO's Quick ratio of 12.41 is amongst the best of the industry. DJCO outperforms 95.37% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	12.42
Quick Ratio	12.41

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 115.36% over the past year.

DJCO shows a very negative growth in Earnings Per Share. Measured over the last years, the EPS has been decreasing by -11.49% yearly.

The Revenue has grown by 10.54% in the past year. This is quite good.

Measured over the past years, DJCO shows a small growth in Revenue. The Revenue has been growing by 7.52% on average per year.

EPS 1Y (TTM)115.36%

EPS 3Y-11.49%

EPS 5YN/A

EPS Q2Q%-38.27%

Revenue 1Y (TTM)10.54%

Revenue growth 3Y12.29%

Revenue growth 5Y7.52%

Sales Q2Q%33.79%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.

No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.

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4. Valuation

4.1 Price/Earnings Ratio

DJCO is valuated cheaply with a Price/Earnings ratio of 6.99.

Based on the Price/Earnings ratio, DJCO is valued cheaper than 94.31% of the companies in the same industry.

DJCO is valuated cheaply when we compare the Price/Earnings ratio to 27.06, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	6.99
Fwd PE	N/A

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as DJCO.

		Industry Rank	Sector Rank
P/FCF	56.92
EV/EBITDA	-29.16

4.3 Compensation for Growth

DJCO has a very decent profitability rating, which may justify a higher PE ratio.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for DJCO!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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DAILY JOURNAL CORP

NASDAQ:DJCO (9/5/2025, 8:08:36 PM)

After market: 490.61 0 (0%)

490.61

+0.58 (+0.12%)

Chartmill FA Rating

GICS SectorInformation Technology

GICS IndustryGroupSoftware & Services

GICS IndustrySoftware

Earnings (Last)08-08 2025-08-08

Earnings (Next)12-29 2025-12-29

Inst Owners67.96%

Inst Owner Change2.98%

Ins Owners0.04%

Ins Owner Change0%

Market Cap677.04M

Analysts0

Price TargetN/A

Short Float %13.44%

Short Ratio2.88

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)N/A

Avg EPS beat(2)N/A

Min EPS beat(2)N/A

Max EPS beat(2)N/A

EPS beat(4)N/A

Avg EPS beat(4)N/A

Min EPS beat(4)N/A

Max EPS beat(4)N/A

EPS beat(8)N/A

Avg EPS beat(8)N/A

EPS beat(12)N/A

Avg EPS beat(12)N/A

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)N/A

Avg Revenue beat(2)N/A

Min Revenue beat(2)N/A

Max Revenue beat(2)N/A

Revenue beat(4)N/A

Avg Revenue beat(4)N/A

Min Revenue beat(4)N/A

Max Revenue beat(4)N/A

Revenue beat(8)N/A

Avg Revenue beat(8)N/A

Revenue beat(12)N/A

Avg Revenue beat(12)N/A

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)N/A

PT rev (3m)N/A

EPS NQ rev (1m)N/A

EPS NQ rev (3m)N/A

EPS NY rev (1m)N/A

EPS NY rev (3m)N/A

Revenue NQ rev (1m)N/A

Revenue NQ rev (3m)N/A

Revenue NY rev (1m)N/A

Revenue NY rev (3m)N/A

Valuation

		Industry Rank	Sector Rank
PE	6.99
Fwd PE	N/A
P/S	8.55
P/FCF	56.92
P/OCF	56.74
P/B	1.94
P/tB	1.94
EV/EBITDA	-29.16

EPS(TTM)70.22

EY14.31%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)8.62

FCFY1.76%

OCF(TTM)8.65

OCFY1.76%

SpS57.36

BVpS252.81

TBVpS252.81

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	19.55%
ROE	27.72%
ROCE	1.46%
ROIC	1.1%
ROICexc	N/A
ROICexgc	N/A
OM	8.4%
PM (TTM)	122.18%
GM	89.7%
FCFM	15.03%

ROA(3y)0.56%

ROA(5y)6.58%

ROE(3y)-1.18%

ROE(5y)8.73%

ROIC(3y)0.99%

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)1.31%

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3Y10.16%

OM growth 5YN/A

PM growth 3Y-21.24%

PM growth 5YN/A

GM growth 3Y-1.34%

GM growth 5Y-0.38%

F-Score6

Asset Turnover0.16

Health

		Industry Rank	Sector Rank
Debt/Equity	0.07
Debt/FCF	2.19
Debt/EBITDA	3.73
Cap/Depr	14.45%
Cap/Sales	0.05%
Interest Coverage	4.77
Cash Conversion	172.54%
Profit Quality	12.3%
Current Ratio	12.42
Quick Ratio	12.41
Altman-Z	5.05

F-Score6

WACC11.02%

ROIC/WACC0.1

Cap/Depr(3y)19.9%

Cap/Depr(5y)20.11%

Cap/Sales(3y)0.09%

Cap/Sales(5y)0.14%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)115.36%

EPS 3Y-11.49%

EPS 5YN/A

EPS Q2Q%-38.27%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)10.54%

Revenue growth 3Y12.29%

Revenue growth 5Y7.52%

Sales Q2Q%33.79%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y15.18%

EBIT growth 3Y23.7%

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-7.86%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-8.42%

OCF growth 3YN/A

OCF growth 5YN/A

DAILY JOURNAL CORP (DJCO) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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