The firm's profitability is severely compromised, evidenced by an efficiency ratio that reached an unsustainable 322.7% in 2026Q1 as non-interest expenses vastly outpaced total revenue.
| Net Interest Income | 92.99K | -404.62K | 371.2K | 5.83M | -8.8K | 14 |
| NII Growth % | 384.96% | -209% | -93.63% | 66265.45% | -62992.86% | - |
| Net Interest Margin % | 1.2% | -3.78% | 5.61% | 344% | -0.74% | 0% |
| Interest Income | -31.11K | 0 | 702.16K | 5.83M | 0 | 14 |
| Interest Expense | -124.1K | 404.62K | 330.97K | 0 | 8.8K | 0 |
| Loan Loss Provision | 3.45M | 2.76M | -330.97K | 86.89K | 139.75K | 0 |
| Non-Interest Income | 5.5M | 5.8M | -529.5K | -5.39M | 591.75K | -14 |
| Non-Interest Income % | 100.57% | 100% | -306.67% | -1225.15% | 100% | - |
| Total Revenue | 5.46M | 5.8M | 172.66K | 439.64K | 591.75K | 0 |
| Revenue Growth % | 42743.48% | 3259.18% | -60.73% | -25.71% | - | - |
| Non-Interest Expense | 14.15M | 11.88M | 1.34M | 2.03M | 1.28M | 227.84K |
| Efficiency Ratio | 258.94% | 204.87% | 778.91% | 461.61% | 217.04% | - |
| Operating Income | -11.99M | -9.25M | -1.34M | -1.68M | -841.16K | -227.84K |
| Operating Margin % | -219.39% | -159.44% | -778.91% | -381.38% | -142.15% | - |
| Operating Income Growth % | - | -587.63% | 19.79% | -99.33% | -269.2% | - |
| Pretax Income | -39.9M | -36.72M | -1.9M | -1.94M | -968.23K | -224.67K |
| Pretax Margin % | -730.2% | -633.07% | -1101.83% | -441.25% | -163.62% | - |
| Income Tax | 0 | 0 | 133.57K | 0 | 0 | 0 |
| Effective Tax Rate % | 0% | 0% | -7.02% | 0% | 0% | 0% |
| Net Income | -39.9M | -36.7M | -2.04M | -1.94M | -968.23K | -224.67K |
| Net Margin % | -730.2% | -632.76% | -1179.19% | -441.25% | -163.62% | - |
| Net Income Growth % | -284.78% | -1702.55% | -4.95% | -100.36% | -330.96% | - |
| Net Income (Continuing) | -39.9M | -36.72M | -2.04M | -1.94M | -968.23K | -224.67K |
| EPS (Diluted) | -33.88 | -44.50 | -5.00 | -1.95 | -0.98 | -0.14 |
| EPS Growth % | -281.92% | -790% | -156.08% | -100.26% | -622.22% | - |
| EPS (Basic) | - | -44.50 | -4.00 | -1.95 | -0.98 | -0.14 |
| Diluted Shares Outstanding | 1.18M | 824.72K | 4.33M | 993.08K | 993.08K | 1.67M |
Insufficient Liquidity Runway
As reported in recent financial filings, DAIC's net interest income has exhibited extreme volatility, swinging from a positive $627.0K in 2025Q4 to a negative $365.3K in 2026Q1, suggesting that the firm's interest-bearing asset and liability management remains highly unstable and lacks a predictable core revenue base.
The frequent shifts between positive and negative net interest income indicate that the company's funding structure is likely misaligned with its asset deployment. Investors should monitor whether these fluctuations are driven by temporary liquidity management or a fundamental inability to maintain a stable net interest spread.
Based on the company's reported figures, the net interest margin has deteriorated significantly, reaching -4.7% in 2026Q1 compared to 5.9% in 2025Q4, which implies that the cost of funding the firm's operations is currently outpacing the yield generated from its interest-earning assets.
This margin compression suggests that the firm is struggling to manage its interest rate sensitivity effectively. The inability to maintain a positive NIM indicates that the current balance sheet composition may be a drag on overall profitability rather than a contributor to earnings.
According to the provided income statement data, the efficiency ratio reached an unsustainable 322.7% in 2026Q1, indicating that non-interest expenses are vastly exceeding total revenue and highlighting a severe lack of operating leverage inherent in the firm's current business model and cost structure.
The extreme ratio suggests that the company is currently unable to scale its revenue base to cover its fixed administrative and operational overhead. This level of inefficiency warrants further investigation into whether management can implement cost-rationalization measures without compromising the firm's core technological development.
As indicated by the financial statements, the provision expense for loan losses has fluctuated wildly, including a negative $195.5K in 2026Q1, which may suggest significant accounting adjustments or reversals rather than a consistent approach to managing credit risk within the firm's asset portfolio.
The inconsistency in provision expense makes it difficult to assess the underlying credit quality of the firm's assets. Investors should be cautious, as these erratic swings may mask underlying credit deterioration or reflect a lack of a robust, standardized framework for estimating potential loan losses.
Quick answers to the most common questions about buying DAIC stock.
Cid Holdco Inc (DAIC) reported a net loss of $36.7M for the fiscal year ending 2025.
Cid Holdco Inc (DAIC) reported an operating income of $-9.2M, resulting in an operating profit margin of -159.4%. This margin reflects the operational efficiency of the business before interest and taxes.
Cid Holdco Inc (DAIC) generated $2.6M in gross profit for the year, representing a gross profit margin of 45.4%. This demonstrates the company's core pricing power and production efficiency.