Daily Journal Corporation (DJCO) 10-Year Financial Performance & Capital Metrics

DJCO • • Industrial / General

TechnologyApplication SoftwareFinancial Technology & PaymentsDigital Banking Platforms

AboutDaily Journal Corporation publishes newspapers and websites covering in California, Arizona, and Utah. It operates in two segments, Traditional Business and Journal Technologies. The company publishes 10 newspapers of general circulation, including Los Angeles Daily Journal, San Francisco Daily Journal, Daily Commerce, The Daily Recorder, The Inter-City Express, San Jose Post-Record, Orange County Reporter, The Daily Transcript, Business Journal, and The Record Reporter. It also provides specialized information services; and serves as an advertising and newspaper representative for commercial and public notice advertising. In addition, the company offers case management software systems and related products, including eCourt, eProsecutor, eDefender, and eProbation, which are browser-based case processing systems; eFile, a browser-based interface that allows attorneys and the general public to electronically file documents with the court; and ePayIt, a service primarily for the online payment of traffic citations. It provides its software systems and related products for courts; prosecutor and public defender offices; probation departments; and other justice agencies, including administrative law organizations, city and county governments, and bar associations to manage cases and information electronically, to interface with other justice partners, and to extend electronic services to bar members and the public in 42 states and internationally. Daily Journal Corporation was incorporated in 1987 and is based in Los Angeles, California.Show more

Revenue $88M +25.4%
EBITDA $10M +119.7%
Net Income $112M +43.6%
EPS (Diluted) 81.41 +43.5%
Gross Margin 36.66% +80.8%
EBITDA Margin 10.86% +75.2%
Operating Margin 10.86% +86.7%
Net Margin 127.86% +14.5%
ROE 33.48% +2.7%
ROIC 2.15% +93.7%
Debt/Equity -
Interest Coverage -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 25.8%
✓Strong 5Y profit CAGR of 94.4%
✓FCF machine: 15.2% free cash flow margin
✓Momentum leader: RS Rating 89 (top 11%)
✓Strong 5Y sales CAGR of 11.9%
✓Healthy 5Y average net margin of 72.0%

✗Weaknesses

✗Low quality earnings: Net income not backed by cash flow
✗Low asset turnover indicates capital-intensive operations

Price & Volume

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Growth Metrics

Revenue CAGR

10Y7.15%

5Y11.92%

3Y17.54%

TTM10.54%

Profit (Net Income) CAGR

10Y63.73%

5Y94.38%

3Y-

TTM115.4%

EPS CAGR

10Y63.68%

5Y94.43%

3Y-

TTM115.4%

ROCE

10Y Avg-0.64%

5Y Avg1.95%

3Y Avg1.87%

Latest2.18%

Peer Comparison

Digital Banking Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GWREGuidewire Software, Inc.	14.12B	166.09	205.05	22.64%	7.23%	6%	2.09%	0.49
DAVEDave Inc.	2.34B	192.06	45.84	33.96%	29.87%	50.37%	5.33%	0.41
INTUIntuit Inc.	154.33B	554.58	40.57	15.63%	21.19%	21.31%	3.94%	0.34
CCBCoastal Financial Corporation	1.72B	113.69	34.98	30.92%	7.84%	10.04%	14.54%	0.12
SPNSSapiens International Corporation N.V.	2.43B	43.45	33.68	5.4%	11.4%	12.2%	2.97%	0.13
SSNCSS&C Technologies Holdings, Inc.	21B	86.05	28.68	6.89%	13.86%	12.2%	6.32%	1.09
TBBKThe Bancorp, Inc.	3.09B	70.39	16.41	16.11%	30.63%	29.28%	7.2%	0.16
CWANClearwater Analytics Holdings, Inc.	6.98B	24.19	14.40	22.72%	61.25%	19.6%	0.99%	0.07

Profit & Loss

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Sales/Revenue+	41.61M	41.38M	40.7M	48.66M	49.94M	49.39M	54.01M	67.71M	69.93M	87.7M
Revenue Growth %	-0.05%	-0.01%	-0.02%	0.2%	0.03%	-0.01%	0.09%	0.25%	0.03%	0.25%
Cost of Goods Sold+	33.16M	38.29M	39.76M	40.45M	42.64M	40.43M	42.34M	51.7M	55.75M	55.55M
COGS % of Revenue	0.8%	0.93%	0.98%	0.83%	0.85%	0.82%	0.78%	0.76%	0.8%	0.63%
Gross Profit+	8.45M	3.09M	947K	8.2M	7.3M	8.96M	11.67M	16.01M	14.18M	32.15M
Gross Margin %	0.2%	0.07%	0.02%	0.17%	0.15%	0.18%	0.22%	0.24%	0.2%	0.37%
Gross Profit Growth %	-0.29%	-0.63%	-0.69%	7.66%	-0.11%	0.23%	0.3%	0.37%	-0.11%	1.27%
Operating Expenses+	15.09M	16.26M	15.01M	13.03M	8.58M	6.81M	8.43M	9.36M	10.11M	22.62M
OpEx % of Revenue	0.36%	0.39%	0.37%	0.27%	0.17%	0.14%	0.16%	0.14%	0.14%	0.26%
Selling, General & Admin	9.38M	10.68M	11.33M	9.51M	5.4M	3.46M	5.34M	6.12M	6.53M	14.77M
SG&A % of Revenue	0.23%	0.26%	0.28%	0.2%	0.11%	0.07%	0.1%	0.09%	0.09%	0.17%
Research & Development	0	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	61K	34K	37K	3.51M	3.19M	3.35M	3.09M	3.24M	3.58M	7.85M
Operating Income+	-6.64M	-13.17M	-14.06M	594K	3.69M	5.13M	7.44M	6.65M	4.07M	9.53M
Operating Margin %	-0.16%	-0.32%	-0.35%	0.01%	0.07%	0.1%	0.14%	0.1%	0.06%	0.11%
Operating Income Growth %	-0.89%	-0.98%	-0.07%	1.04%	5.2%	0.39%	0.45%	-0.11%	-0.39%	1.34%
EBITDA+	-931K	-7.58M	-10.38M	1.18M	4.21M	5.61M	7.82M	6.93M	4.34M	9.53M
EBITDA Margin %	-0.02%	-0.18%	-0.26%	0.02%	0.08%	0.11%	0.14%	0.1%	0.06%	0.11%
EBITDA Growth %	-1.46%	-7.14%	-0.37%	1.11%	2.56%	0.33%	0.39%	-0.11%	-0.37%	1.2%
D&A (Non-Cash Add-back)	5.71M	5.59M	3.68M	589K	524K	480K	379K	279K	267K	0
EBIT	-2.49M	-7.55M	-10.59M	-30.52M	4.78M	3.98M	-101.44M	32.43M	107.36M	0
Net Interest Income+	3.71M	221K	4.06M	4.42M	4.41M	2.58M	4.34M	-4.33M	-3.09M	0
Interest Income	4.08M	743K	4.81M	5.38M	4.96M	2.91M	5.45M	0	0	0
Interest Expense	372K	522K	746K	955K	553K	327K	1.11M	4.33M	3.09M	-1.38M
Other Income/Expense	3.66M	5.1M	2.72M	-13.25M	5.51M	150.9M	-104.54M	21.45M	100.21M	140.56M
Pretax Income+	-2.98M	-8.07M	-11.34M	-31.48M	4.23M	153.05M	-102.55M	28.1M	104.28M	150.09M
Pretax Margin %	-0.07%	-0.19%	-0.28%	-0.65%	0.08%	3.1%	-1.9%	0.42%	1.49%	1.71%
Income Tax+	-1.94M	-7.15M	-19.54M	-6.26M	185K	40.15M	-26.93M	6.65M	26.16M	-37.95M
Effective Tax Rate %	0.35%	0.11%	-0.72%	0.8%	0.96%	0.74%	0.74%	0.76%	0.75%	0.75%
Net Income+	-1.04M	-918K	8.2M	-25.22M	4.04M	112.9M	-75.62M	21.45M	78.11M	112.14M
Net Margin %	-0.03%	-0.02%	0.2%	-0.52%	0.08%	2.29%	-1.4%	0.32%	1.12%	1.28%
Net Income Growth %	-2.29%	0.12%	9.93%	-4.07%	1.16%	26.94%	-1.67%	1.28%	2.64%	0.44%
Net Income (Continuing)	-1.04M	-918K	8.2M	-25.22M	4.04M	112.9M	-75.62M	21.45M	78.11M	0
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
EPS (Diluted)+	-0.76	-0.66	5.94	-18.26	2.93	81.77	-54.81	15.58	56.73	81.41
EPS Growth %	-2.29%	0.13%	10%	-4.07%	1.16%	26.91%	-1.67%	1.28%	2.64%	0.44%
EPS (Basic)	-0.76	-0.66	5.94	-18.26	2.93	81.77	-54.81	15.58	56.73	81.41
Diluted Shares Outstanding	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M
Basic Shares Outstanding	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

Balance Sheet

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Total Current Assets+	184.48M	239.75M	227.23M	212.95M	216.31M	372.34M	309.45M	345.4M	394.5M	539.19M
Cash & Short-Term Investments	178.04M	232.65M	221.6M	205.21M	206.29M	360.17M	288.95M	324.17M	371.68M	20.57M
Cash Only	11.41M	3.38M	9.3M	10.63M	26.92M	12.6M	13.42M	21.04M	12.99M	20.57M
Short-Term Investments	166.63M	229.26M	212.3M	194.58M	179.37M	347.57M	275.53M	303.13M	358.69M	0
Accounts Receivable	5.6M	6.27M	5.07M	7.19M	7.33M	9.52M	17.95M	18.69M	19.25M	21.01M
Days Sales Outstanding	49.09	55.27	45.49	53.93	53.56	70.39	121.31	100.74	100.48	87.45
Inventory	41K	40K	46K	40K	36K	43K	56K	72K	15K	0
Days Inventory Outstanding	0.45	0.38	0.42	0.36	0.31	0.39	0.48	0.51	0.1	-
Other Current Assets	350K	350K	0	2.02M	2.04M	2.04M	2.04M	2.1M	3.54M	497.61M
Total Non-Current Assets+	40.96M	40.45M	36.77M	24.43M	22.27M	18.24M	9.66M	9.46M	9.27M	8.93M
Property, Plant & Equipment	12.06M	11.63M	11.22M	10.8M	10.6M	10.22M	9.66M	9.46M	9.27M	8.93M
Fixed Asset Turnover	3.45x	3.56x	3.63x	4.51x	4.71x	4.83x	5.59x	7.16x	7.55x	9.82x
Goodwill	13.4M	13.4M	13.4M	0	0	0	451K	0	0	0
Intangible Assets	7.95M	3.06M	0	0	0	0	0	0	0	0
Long-Term Investments	-7.55M	-12.87M	-12.15M	0	0	0	0	0	0	0
Other Non-Current Assets	7.55M	12.87M	12.15M	0	0	0	-25.72M	0	0	0
Total Assets+	225.45M	280.2M	264M	237.38M	238.57M	390.58M	319.11M	354.86M	403.76M	548.12M
Asset Turnover	0.18x	0.15x	0.15x	0.20x	0.21x	0.13x	0.17x	0.19x	0.17x	0.16x
Asset Growth %	-0.01%	0.24%	-0.06%	-0.1%	0.01%	0.64%	-0.18%	0.11%	0.14%	0.36%
Total Current Liabilities+	64.86M	88.12M	27.26M	30.67M	27.99M	34.01M	33.62M	42.2M	38.44M	38.81M
Accounts Payable	2.64M	3.05M	2.82M	4.52M	3.93M	4.24M	5.06M	6.64M	6.05M	7.07M
Days Payables Outstanding	29.1	29.06	25.89	40.78	33.61	38.27	43.63	46.9	39.6	46.46
Short-Term Debt	110K	115K	121K	126K	133K	147K	146K	158K	164K	0
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	140K	1000K	1000K	1000K	0	0
Other Current Liabilities	59.52M	17.8M	19.91M	20.85M	18.93M	23.57M	21.34M	20.89M	23.8M	38.81M
Current Ratio	2.84x	2.72x	8.34x	6.94x	7.73x	10.95x	9.20x	8.19x	10.26x	13.89x
Quick Ratio	2.84x	2.72x	8.33x	6.94x	7.73x	10.95x	9.20x	8.18x	10.26x	13.89x
Cash Conversion Cycle	20.44	26.59	20.02	13.51	20.26	32.5	78.16	54.34	60.98	-
Total Non-Current Liabilities+	35.24M	32.34M	73.83M	69.01M	68.84M	101.92M	106.47M	112.19M	86.54M	118.25M
Long-Term Debt	31.56M	31.45M	31.33M	31.2M	31.07M	0	76.28M	76.12M	28.46M	0
Capital Lease Obligations	0	0	0	0	0	0	0	0	0	0
Deferred Tax Liabilities	41.5B	64.55M	42.15M	37.24M	35.87M	64.11M	25.27M	30.6M	52.64M	87.33M
Other Non-Current Liabilities	3.68M	894K	346K	565K	1.91M	37.81M	4.55M	5.47M	5.44M	30.92M
Total Liabilities	100.1M	120.46M	101.08M	99.68M	96.83M	135.94M	140.09M	154.39M	124.98M	157.06M
Total Debt+	31.67M	31.56M	31.45M	31.33M	31.2M	33.58M	76.43M	76.28M	28.62M	0
Net Debt	20.26M	28.18M	22.15M	20.7M	4.28M	20.98M	63.01M	55.24M	15.63M	-20.57M
Debt / Equity	0.25x	0.20x	0.19x	0.23x	0.22x	0.13x	0.43x	0.38x	0.10x	-
Debt / EBITDA	-	-	-	26.48x	7.41x	5.99x	9.78x	11.01x	6.60x	-
Net Debt / EBITDA	-	-	-	17.50x	1.02x	3.74x	8.06x	7.97x	3.60x	-2.16x
Interest Coverage	-17.85x	-25.22x	-18.85x	0.62x	6.66x	15.69x	6.71x	1.54x	1.32x	-
Total Equity+	125.34M	159.74M	162.92M	137.7M	141.74M	254.64M	179.02M	200.47M	278.78M	391.06M
Equity Growth %	-0.03%	0.27%	0.02%	-0.15%	0.03%	0.8%	-0.3%	0.12%	0.39%	0.4%
Book Value per Share	90.78	115.69	117.99	99.73	102.66	184.42	129.75	145.58	202.45	283.89
Total Shareholders' Equity	125.34M	159.74M	162.92M	137.7M	141.74M	254.64M	179.02M	200.47M	278.78M	391.06M
Common Stock	14K	14K	14K	14K	14K	14K	14K	14K	14K	14K
Retained Earnings	58.07M	57.15M	45.36M	135.93M	139.97M	252.87M	177.25M	198.7M	276.81M	388.95M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Accumulated OCI	65.51M	100.82M	115.79M	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Cash from Operations+	1.22M	-2.65M	-1.88M	1.61M	2.34M	3.29M	-5.26M	15.08M	-89K	13.33M
Operating CF Margin %	0.03%	-0.06%	-0.05%	0.03%	0.05%	0.07%	-0.1%	0.22%	-0%	0.15%
Operating CF Growth %	-0.84%	-3.17%	0.29%	1.86%	0.45%	0.41%	-2.6%	3.87%	-1.01%	150.81%
Net Income	-1.04M	-918K	8.2M	-25.22M	4.04M	112.9M	-75.62M	21.45M	78.11M	112.14M
Depreciation & Amortization	5.71M	5.59M	3.68M	589K	524K	480K	379K	279K	267K	257K
Stock-Based Compensation	0	0	0	0	0	0	115	0	202K	140K
Deferred Taxes	-1.64M	-4.57M	-19.24M	-6.39M	590K	31.89M	-30.82M	5.33M	22.04M	34.69M
Other Non-Cash Items	-3K	-3K	1.38M	31.11M	-1.09M	-148.25M	108.88M	-20.42M	-96.15M	-133.89M
Working Capital Changes	-1.8M	-2.74M	4.1M	1.52M	-1.73M	6.26M	-8.07M	8.45M	-4.57M	0
Change in Receivables	966K	-651K	555K	-2.23M	309K	-2.8M	-7.41M	-1.76M	-532	-1.79M
Change in Inventory	7K	1K	-6K	6K	4K	-7K	-13K	-16K	57	0
Change in Payables	-1.57M	405K	-229K	1.7M	-594K	313K	823K	1.58M	-594	1.02M
Cash from Investing+	-7.61M	-5.27M	7.91M	-165K	16.12M	-19.99M	-36.76M	-7.26M	40.53M	-8K
Capital Expenditures	-3.78M	-253K	-212K	-165K	-184K	-29K	-36K	-86K	-49K	-8K
CapEx % of Revenue	0.09%	0.01%	0.01%	0%	0%	0%	0%	0%	0%	0%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	-3.83M	-5.01M	8.13M	0	16.31M	-19.96M	-36.73M	-7.17M	0	0
Cash from Financing+	2.18M	-110K	-115K	-121K	-126K	2.38M	42.85M	-153K	-47.66M	-5.66M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-4.08M	-4.84M	0	0	0	0	0	0	0	0
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	4.08M	0	0	0	0	0	0	0	0	-5.66M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	-2.56M	-2.9M	-2.09M	1.45M	2.15M	3.26M	-5.3M	15M	-138K	13.32M
FCF Margin %	-0.06%	-0.07%	-0.05%	0.03%	0.04%	0.07%	-0.1%	0.22%	-0%	0.15%
FCF Growth %	-1.36%	-0.14%	0.28%	1.69%	0.48%	0.51%	-2.63%	3.83%	-1.01%	97.56%
FCF per Share	-1.85	-2.10	-1.52	1.05	1.56	2.36	-3.84	10.89	-0.10	9.67
FCF Conversion (FCF/Net Income)	-1.17x	2.89x	-0.23x	-0.06x	0.58x	0.03x	0.07x	0.70x	-0.00x	0.12x
Interest Paid	361K	0	0	0	0	329K	1.05M	4.27M	3.05M	0
Taxes Paid	-13K	0	0	0	0	1.95M	11.14M	806K	5.13M	0

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	-0.82%	-0.64%	5.08%	-16.78%	2.89%	56.97%	-34.88%	11.31%	32.6%	33.48%
Return on Invested Capital (ROIC)	-3.46%	-5.92%	-5.65%	0.26%	1.82%	1.82%	2.16%	2%	1.11%	2.15%
Gross Margin	20.3%	7.48%	2.33%	16.86%	14.62%	18.14%	21.6%	23.65%	20.28%	36.66%
Net Margin	-2.51%	-2.22%	20.15%	-51.83%	8.09%	228.59%	-140.02%	31.68%	111.7%	127.86%
Debt / Equity	0.25x	0.20x	0.19x	0.23x	0.22x	0.13x	0.43x	0.38x	0.10x	-
Interest Coverage	-17.85x	-25.22x	-18.85x	0.62x	6.66x	15.69x	6.71x	1.54x	1.32x	-
FCF Conversion	-1.17x	2.89x	-0.23x	-0.06x	0.58x	0.03x	0.07x	0.70x	-0.00x	0.12x
Revenue Growth	-5.38%	-0.55%	-1.65%	19.54%	2.65%	-1.11%	9.35%	25.37%	3.28%	25.41%

Revenue by Segment

	2013	2014	2018	2019	2020	2021	2022	2023	2024	2025
License and Maintenance	-	-	17.23M	20.18M	21.65M	21.04M	19.19M	23.5M	28.27M	31.72M
License and Maintenance Growth	-	-	-	17.15%	7.27%	-2.79%	-8.80%	22.46%	20.26%	12.22%
Consulting Fees	-	-	2.83M	5.54M	7.72M	6.32M	11.87M	19.78M	15.09M	22.73M
Consulting Fees Growth	-	-	-	95.59%	39.34%	-18.13%	87.77%	66.68%	-23.72%	50.70%
Service, Other	-	-	3.47M	5.84M	5.88M	7.13M	7.03M	8.18M	9.75M	15.48M
Service, Other Growth	-	-	-	68.22%	0.65%	21.23%	-1.42%	16.32%	19.29%	58.73%
Advertising	-	-	9.11M	9.13M	7.1M	7.63M	8.59M	8.96M	9.32M	10.08M
Advertising Growth	-	-	-	0.22%	-22.21%	7.47%	12.52%	4.24%	4.13%	8.11%
Subscription and Circulation	-	-	5.4M	5.25M	5.09M	4.58M	4.39M	4.4M	4.46M	4.27M
Subscription and Circulation Growth	-	-	-	-2.81%	-3.03%	-10.10%	-3.98%	0.20%	1.34%	-4.33%
Advertising Service Fees and Other	-	-	2.66M	2.71M	2.5M	2.68M	2.94M	2.9M	3.04M	3.41M
Advertising Service Fees and Other Growth	-	-	-	1.99%	-7.78%	7.32%	9.43%	-1.43%	4.97%	12.27%
Traditional Business	23.83M	6.04M	-	-	-	-	-	-	-	-
Traditional Business Growth	-	-74.66%	-	-	-	-	-	-	-	-
The Technology Companies	13.85M	-	-	-	-	-	-	-	-	-
The Technology Companies Growth	-	-	-	-	-	-	-	-	-	-

Revenue by Geography

	2013	2014	2018	2019	2020	2021	2022	2023	2024	2025
Non-US	-	-	-	-	-	-	-	-	-	11.9M
Non-US Growth	-	-	-	-	-	-	-	-	-	-
AUSTRALIA	-	-	-	-	-	-	-	-	-	10.07M
AUSTRALIA Growth	-	-	-	-	-	-	-	-	-	-
CANADA	-	-	-	-	-	-	-	-	-	686K
CANADA Growth	-	-	-	-	-	-	-	-	-	-
GUAM	-	-	-	-	-	-	-	-	-	674K
GUAM Growth	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Daily Journal Corporation (DJCO) has a price-to-earnings (P/E) ratio of 8.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Daily Journal Corporation (DJCO) reported $79.2M in revenue for fiscal year 2025. This represents a 148% increase from $31.9M in 2012.

Daily Journal Corporation (DJCO) grew revenue by 25.4% over the past year. This is strong growth.

Yes, Daily Journal Corporation (DJCO) is profitable, generating $96.7M in net income for fiscal year 2025 (127.9% net margin).

Dividend & Returns

Daily Journal Corporation (DJCO) has a return on equity (ROE) of 33.5%. This is excellent, indicating efficient use of shareholder capital.

Daily Journal Corporation (DJCO) generated $11.9M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.

US Stock Screener

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Daily Journal Corporation (DJCO) 10-Year Financial Performance & Capital Metrics

DJCO • • Industrial / General

TechnologyApplication SoftwareFinancial Technology & PaymentsDigital Banking Platforms

Revenue $88M +25.4%
EBITDA $10M +119.7%
Net Income $112M +43.6%
EPS (Diluted) 81.41 +43.5%
Gross Margin 36.66% +80.8%
EBITDA Margin 10.86% +75.2%
Operating Margin 10.86% +86.7%
Net Margin 127.86% +14.5%
ROE 33.48% +2.7%
ROIC 2.15% +93.7%
Debt/Equity -
Interest Coverage -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Excellent 3Y average ROE of 25.8%
✓Strong 5Y profit CAGR of 94.4%
✓FCF machine: 15.2% free cash flow margin
✓Momentum leader: RS Rating 89 (top 11%)
✓Strong 5Y sales CAGR of 11.9%
✓Healthy 5Y average net margin of 72.0%

✗Weaknesses

✗Low quality earnings: Net income not backed by cash flow
✗Low asset turnover indicates capital-intensive operations

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y7.15%

5Y11.92%

3Y17.54%

TTM10.54%

Profit (Net Income) CAGR

10Y63.73%

5Y94.38%

3Y-

TTM115.4%

EPS CAGR

10Y63.68%

5Y94.43%

3Y-

TTM115.4%

ROCE

10Y Avg-0.64%

5Y Avg1.95%

3Y Avg1.87%

Latest2.18%

Peer Comparison

Digital Banking Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
GWREGuidewire Software, Inc.	14.12B	166.09	205.05	22.64%	7.23%	6%	2.09%	0.49
DAVEDave Inc.	2.34B	192.06	45.84	33.96%	29.87%	50.37%	5.33%	0.41
INTUIntuit Inc.	154.33B	554.58	40.57	15.63%	21.19%	21.31%	3.94%	0.34
CCBCoastal Financial Corporation	1.72B	113.69	34.98	30.92%	7.84%	10.04%	14.54%	0.12
SPNSSapiens International Corporation N.V.	2.43B	43.45	33.68	5.4%	11.4%	12.2%	2.97%	0.13
SSNCSS&C Technologies Holdings, Inc.	21B	86.05	28.68	6.89%	13.86%	12.2%	6.32%	1.09
TBBKThe Bancorp, Inc.	3.09B	70.39	16.41	16.11%	30.63%	29.28%	7.2%	0.16
CWANClearwater Analytics Holdings, Inc.	6.98B	24.19	14.40	22.72%	61.25%	19.6%	0.99%	0.07

Profit & Loss

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Sales/Revenue+	41.61M	41.38M	40.7M	48.66M	49.94M	49.39M	54.01M	67.71M	69.93M	87.7M
Revenue Growth %	-0.05%	-0.01%	-0.02%	0.2%	0.03%	-0.01%	0.09%	0.25%	0.03%	0.25%
Cost of Goods Sold+	33.16M	38.29M	39.76M	40.45M	42.64M	40.43M	42.34M	51.7M	55.75M	55.55M
COGS % of Revenue	0.8%	0.93%	0.98%	0.83%	0.85%	0.82%	0.78%	0.76%	0.8%	0.63%
Gross Profit+	8.45M	3.09M	947K	8.2M	7.3M	8.96M	11.67M	16.01M	14.18M	32.15M
Gross Margin %	0.2%	0.07%	0.02%	0.17%	0.15%	0.18%	0.22%	0.24%	0.2%	0.37%
Gross Profit Growth %	-0.29%	-0.63%	-0.69%	7.66%	-0.11%	0.23%	0.3%	0.37%	-0.11%	1.27%
Operating Expenses+	15.09M	16.26M	15.01M	13.03M	8.58M	6.81M	8.43M	9.36M	10.11M	22.62M
OpEx % of Revenue	0.36%	0.39%	0.37%	0.27%	0.17%	0.14%	0.16%	0.14%	0.14%	0.26%
Selling, General & Admin	9.38M	10.68M	11.33M	9.51M	5.4M	3.46M	5.34M	6.12M	6.53M	14.77M
SG&A % of Revenue	0.23%	0.26%	0.28%	0.2%	0.11%	0.07%	0.1%	0.09%	0.09%	0.17%
Research & Development	0	0	0	0	0	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-	-	-	-	-	-
Other Operating Expenses	61K	34K	37K	3.51M	3.19M	3.35M	3.09M	3.24M	3.58M	7.85M
Operating Income+	-6.64M	-13.17M	-14.06M	594K	3.69M	5.13M	7.44M	6.65M	4.07M	9.53M
Operating Margin %	-0.16%	-0.32%	-0.35%	0.01%	0.07%	0.1%	0.14%	0.1%	0.06%	0.11%
Operating Income Growth %	-0.89%	-0.98%	-0.07%	1.04%	5.2%	0.39%	0.45%	-0.11%	-0.39%	1.34%
EBITDA+	-931K	-7.58M	-10.38M	1.18M	4.21M	5.61M	7.82M	6.93M	4.34M	9.53M
EBITDA Margin %	-0.02%	-0.18%	-0.26%	0.02%	0.08%	0.11%	0.14%	0.1%	0.06%	0.11%
EBITDA Growth %	-1.46%	-7.14%	-0.37%	1.11%	2.56%	0.33%	0.39%	-0.11%	-0.37%	1.2%
D&A (Non-Cash Add-back)	5.71M	5.59M	3.68M	589K	524K	480K	379K	279K	267K	0
EBIT	-2.49M	-7.55M	-10.59M	-30.52M	4.78M	3.98M	-101.44M	32.43M	107.36M	0
Net Interest Income+	3.71M	221K	4.06M	4.42M	4.41M	2.58M	4.34M	-4.33M	-3.09M	0
Interest Income	4.08M	743K	4.81M	5.38M	4.96M	2.91M	5.45M	0	0	0
Interest Expense	372K	522K	746K	955K	553K	327K	1.11M	4.33M	3.09M	-1.38M
Other Income/Expense	3.66M	5.1M	2.72M	-13.25M	5.51M	150.9M	-104.54M	21.45M	100.21M	140.56M
Pretax Income+	-2.98M	-8.07M	-11.34M	-31.48M	4.23M	153.05M	-102.55M	28.1M	104.28M	150.09M
Pretax Margin %	-0.07%	-0.19%	-0.28%	-0.65%	0.08%	3.1%	-1.9%	0.42%	1.49%	1.71%
Income Tax+	-1.94M	-7.15M	-19.54M	-6.26M	185K	40.15M	-26.93M	6.65M	26.16M	-37.95M
Effective Tax Rate %	0.35%	0.11%	-0.72%	0.8%	0.96%	0.74%	0.74%	0.76%	0.75%	0.75%
Net Income+	-1.04M	-918K	8.2M	-25.22M	4.04M	112.9M	-75.62M	21.45M	78.11M	112.14M
Net Margin %	-0.03%	-0.02%	0.2%	-0.52%	0.08%	2.29%	-1.4%	0.32%	1.12%	1.28%
Net Income Growth %	-2.29%	0.12%	9.93%	-4.07%	1.16%	26.94%	-1.67%	1.28%	2.64%	0.44%
Net Income (Continuing)	-1.04M	-918K	8.2M	-25.22M	4.04M	112.9M	-75.62M	21.45M	78.11M	0
Discontinued Operations	0	0	0	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0
EPS (Diluted)+	-0.76	-0.66	5.94	-18.26	2.93	81.77	-54.81	15.58	56.73	81.41
EPS Growth %	-2.29%	0.13%	10%	-4.07%	1.16%	26.91%	-1.67%	1.28%	2.64%	0.44%
EPS (Basic)	-0.76	-0.66	5.94	-18.26	2.93	81.77	-54.81	15.58	56.73	81.41
Diluted Shares Outstanding	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M
Basic Shares Outstanding	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M	1.38M
Dividend Payout Ratio	-	-	-	-	-	-	-	-	-	-

Balance Sheet

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Total Current Assets+	184.48M	239.75M	227.23M	212.95M	216.31M	372.34M	309.45M	345.4M	394.5M	539.19M
Cash & Short-Term Investments	178.04M	232.65M	221.6M	205.21M	206.29M	360.17M	288.95M	324.17M	371.68M	20.57M
Cash Only	11.41M	3.38M	9.3M	10.63M	26.92M	12.6M	13.42M	21.04M	12.99M	20.57M
Short-Term Investments	166.63M	229.26M	212.3M	194.58M	179.37M	347.57M	275.53M	303.13M	358.69M	0
Accounts Receivable	5.6M	6.27M	5.07M	7.19M	7.33M	9.52M	17.95M	18.69M	19.25M	21.01M
Days Sales Outstanding	49.09	55.27	45.49	53.93	53.56	70.39	121.31	100.74	100.48	87.45
Inventory	41K	40K	46K	40K	36K	43K	56K	72K	15K	0
Days Inventory Outstanding	0.45	0.38	0.42	0.36	0.31	0.39	0.48	0.51	0.1	-
Other Current Assets	350K	350K	0	2.02M	2.04M	2.04M	2.04M	2.1M	3.54M	497.61M
Total Non-Current Assets+	40.96M	40.45M	36.77M	24.43M	22.27M	18.24M	9.66M	9.46M	9.27M	8.93M
Property, Plant & Equipment	12.06M	11.63M	11.22M	10.8M	10.6M	10.22M	9.66M	9.46M	9.27M	8.93M
Fixed Asset Turnover	3.45x	3.56x	3.63x	4.51x	4.71x	4.83x	5.59x	7.16x	7.55x	9.82x
Goodwill	13.4M	13.4M	13.4M	0	0	0	451K	0	0	0
Intangible Assets	7.95M	3.06M	0	0	0	0	0	0	0	0
Long-Term Investments	-7.55M	-12.87M	-12.15M	0	0	0	0	0	0	0
Other Non-Current Assets	7.55M	12.87M	12.15M	0	0	0	-25.72M	0	0	0
Total Assets+	225.45M	280.2M	264M	237.38M	238.57M	390.58M	319.11M	354.86M	403.76M	548.12M
Asset Turnover	0.18x	0.15x	0.15x	0.20x	0.21x	0.13x	0.17x	0.19x	0.17x	0.16x
Asset Growth %	-0.01%	0.24%	-0.06%	-0.1%	0.01%	0.64%	-0.18%	0.11%	0.14%	0.36%
Total Current Liabilities+	64.86M	88.12M	27.26M	30.67M	27.99M	34.01M	33.62M	42.2M	38.44M	38.81M
Accounts Payable	2.64M	3.05M	2.82M	4.52M	3.93M	4.24M	5.06M	6.64M	6.05M	7.07M
Days Payables Outstanding	29.1	29.06	25.89	40.78	33.61	38.27	43.63	46.9	39.6	46.46
Short-Term Debt	110K	115K	121K	126K	133K	147K	146K	158K	164K	0
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	140K	1000K	1000K	1000K	0	0
Other Current Liabilities	59.52M	17.8M	19.91M	20.85M	18.93M	23.57M	21.34M	20.89M	23.8M	38.81M
Current Ratio	2.84x	2.72x	8.34x	6.94x	7.73x	10.95x	9.20x	8.19x	10.26x	13.89x
Quick Ratio	2.84x	2.72x	8.33x	6.94x	7.73x	10.95x	9.20x	8.18x	10.26x	13.89x
Cash Conversion Cycle	20.44	26.59	20.02	13.51	20.26	32.5	78.16	54.34	60.98	-
Total Non-Current Liabilities+	35.24M	32.34M	73.83M	69.01M	68.84M	101.92M	106.47M	112.19M	86.54M	118.25M
Long-Term Debt	31.56M	31.45M	31.33M	31.2M	31.07M	0	76.28M	76.12M	28.46M	0
Capital Lease Obligations	0	0	0	0	0	0	0	0	0	0
Deferred Tax Liabilities	41.5B	64.55M	42.15M	37.24M	35.87M	64.11M	25.27M	30.6M	52.64M	87.33M
Other Non-Current Liabilities	3.68M	894K	346K	565K	1.91M	37.81M	4.55M	5.47M	5.44M	30.92M
Total Liabilities	100.1M	120.46M	101.08M	99.68M	96.83M	135.94M	140.09M	154.39M	124.98M	157.06M
Total Debt+	31.67M	31.56M	31.45M	31.33M	31.2M	33.58M	76.43M	76.28M	28.62M	0
Net Debt	20.26M	28.18M	22.15M	20.7M	4.28M	20.98M	63.01M	55.24M	15.63M	-20.57M
Debt / Equity	0.25x	0.20x	0.19x	0.23x	0.22x	0.13x	0.43x	0.38x	0.10x	-
Debt / EBITDA	-	-	-	26.48x	7.41x	5.99x	9.78x	11.01x	6.60x	-
Net Debt / EBITDA	-	-	-	17.50x	1.02x	3.74x	8.06x	7.97x	3.60x	-2.16x
Interest Coverage	-17.85x	-25.22x	-18.85x	0.62x	6.66x	15.69x	6.71x	1.54x	1.32x	-
Total Equity+	125.34M	159.74M	162.92M	137.7M	141.74M	254.64M	179.02M	200.47M	278.78M	391.06M
Equity Growth %	-0.03%	0.27%	0.02%	-0.15%	0.03%	0.8%	-0.3%	0.12%	0.39%	0.4%
Book Value per Share	90.78	115.69	117.99	99.73	102.66	184.42	129.75	145.58	202.45	283.89
Total Shareholders' Equity	125.34M	159.74M	162.92M	137.7M	141.74M	254.64M	179.02M	200.47M	278.78M	391.06M
Common Stock	14K	14K	14K	14K	14K	14K	14K	14K	14K	14K
Retained Earnings	58.07M	57.15M	45.36M	135.93M	139.97M	252.87M	177.25M	198.7M	276.81M	388.95M
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Accumulated OCI	65.51M	100.82M	115.79M	0	0	0	0	0	0	0
Minority Interest	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Sep 2016	Sep 2017	Sep 2018	Sep 2019	Sep 2020	Sep 2021	Sep 2022	Sep 2023	Sep 2024	Sep 2025
Cash from Operations+	1.22M	-2.65M	-1.88M	1.61M	2.34M	3.29M	-5.26M	15.08M	-89K	13.33M
Operating CF Margin %	0.03%	-0.06%	-0.05%	0.03%	0.05%	0.07%	-0.1%	0.22%	-0%	0.15%
Operating CF Growth %	-0.84%	-3.17%	0.29%	1.86%	0.45%	0.41%	-2.6%	3.87%	-1.01%	150.81%
Net Income	-1.04M	-918K	8.2M	-25.22M	4.04M	112.9M	-75.62M	21.45M	78.11M	112.14M
Depreciation & Amortization	5.71M	5.59M	3.68M	589K	524K	480K	379K	279K	267K	257K
Stock-Based Compensation	0	0	0	0	0	0	115	0	202K	140K
Deferred Taxes	-1.64M	-4.57M	-19.24M	-6.39M	590K	31.89M	-30.82M	5.33M	22.04M	34.69M
Other Non-Cash Items	-3K	-3K	1.38M	31.11M	-1.09M	-148.25M	108.88M	-20.42M	-96.15M	-133.89M
Working Capital Changes	-1.8M	-2.74M	4.1M	1.52M	-1.73M	6.26M	-8.07M	8.45M	-4.57M	0
Change in Receivables	966K	-651K	555K	-2.23M	309K	-2.8M	-7.41M	-1.76M	-532	-1.79M
Change in Inventory	7K	1K	-6K	6K	4K	-7K	-13K	-16K	57	0
Change in Payables	-1.57M	405K	-229K	1.7M	-594K	313K	823K	1.58M	-594	1.02M
Cash from Investing+	-7.61M	-5.27M	7.91M	-165K	16.12M	-19.99M	-36.76M	-7.26M	40.53M	-8K
Capital Expenditures	-3.78M	-253K	-212K	-165K	-184K	-29K	-36K	-86K	-49K	-8K
CapEx % of Revenue	0.09%	0.01%	0.01%	0%	0%	0%	0%	0%	0%	0%
Acquisitions	-	-	-	-	-	-	-	-	-	-
Investments	-	-	-	-	-	-	-	-	-	-
Other Investing	-3.83M	-5.01M	8.13M	0	16.31M	-19.96M	-36.73M	-7.17M	0	0
Cash from Financing+	2.18M	-110K	-115K	-121K	-126K	2.38M	42.85M	-153K	-47.66M	-5.66M
Debt Issued (Net)	-	-	-	-	-	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-	-	-	-	-	-
Dividends Paid	-4.08M	-4.84M	0	0	0	0	0	0	0	0
Share Repurchases	-	-	-	-	-	-	-	-	-	-
Other Financing	4.08M	0	0	0	0	0	0	0	0	-5.66M
Net Change in Cash	-	-	-	-	-	-	-	-	-	-
Free Cash Flow+	-2.56M	-2.9M	-2.09M	1.45M	2.15M	3.26M	-5.3M	15M	-138K	13.32M
FCF Margin %	-0.06%	-0.07%	-0.05%	0.03%	0.04%	0.07%	-0.1%	0.22%	-0%	0.15%
FCF Growth %	-1.36%	-0.14%	0.28%	1.69%	0.48%	0.51%	-2.63%	3.83%	-1.01%	97.56%
FCF per Share	-1.85	-2.10	-1.52	1.05	1.56	2.36	-3.84	10.89	-0.10	9.67
FCF Conversion (FCF/Net Income)	-1.17x	2.89x	-0.23x	-0.06x	0.58x	0.03x	0.07x	0.70x	-0.00x	0.12x
Interest Paid	361K	0	0	0	0	329K	1.05M	4.27M	3.05M	0
Taxes Paid	-13K	0	0	0	0	1.95M	11.14M	806K	5.13M	0

Key Ratios

Metric	2016	2017	2018	2019	2020	2021	2022	2023	2024	2025
Return on Equity (ROE)	-0.82%	-0.64%	5.08%	-16.78%	2.89%	56.97%	-34.88%	11.31%	32.6%	33.48%
Return on Invested Capital (ROIC)	-3.46%	-5.92%	-5.65%	0.26%	1.82%	1.82%	2.16%	2%	1.11%	2.15%
Gross Margin	20.3%	7.48%	2.33%	16.86%	14.62%	18.14%	21.6%	23.65%	20.28%	36.66%
Net Margin	-2.51%	-2.22%	20.15%	-51.83%	8.09%	228.59%	-140.02%	31.68%	111.7%	127.86%
Debt / Equity	0.25x	0.20x	0.19x	0.23x	0.22x	0.13x	0.43x	0.38x	0.10x	-
Interest Coverage	-17.85x	-25.22x	-18.85x	0.62x	6.66x	15.69x	6.71x	1.54x	1.32x	-
FCF Conversion	-1.17x	2.89x	-0.23x	-0.06x	0.58x	0.03x	0.07x	0.70x	-0.00x	0.12x
Revenue Growth	-5.38%	-0.55%	-1.65%	19.54%	2.65%	-1.11%	9.35%	25.37%	3.28%	25.41%

Revenue by Segment

	2013	2014	2018	2019	2020	2021	2022	2023	2024	2025
License and Maintenance	-	-	17.23M	20.18M	21.65M	21.04M	19.19M	23.5M	28.27M	31.72M
License and Maintenance Growth	-	-	-	17.15%	7.27%	-2.79%	-8.80%	22.46%	20.26%	12.22%
Consulting Fees	-	-	2.83M	5.54M	7.72M	6.32M	11.87M	19.78M	15.09M	22.73M
Consulting Fees Growth	-	-	-	95.59%	39.34%	-18.13%	87.77%	66.68%	-23.72%	50.70%
Service, Other	-	-	3.47M	5.84M	5.88M	7.13M	7.03M	8.18M	9.75M	15.48M
Service, Other Growth	-	-	-	68.22%	0.65%	21.23%	-1.42%	16.32%	19.29%	58.73%
Advertising	-	-	9.11M	9.13M	7.1M	7.63M	8.59M	8.96M	9.32M	10.08M
Advertising Growth	-	-	-	0.22%	-22.21%	7.47%	12.52%	4.24%	4.13%	8.11%
Subscription and Circulation	-	-	5.4M	5.25M	5.09M	4.58M	4.39M	4.4M	4.46M	4.27M
Subscription and Circulation Growth	-	-	-	-2.81%	-3.03%	-10.10%	-3.98%	0.20%	1.34%	-4.33%
Advertising Service Fees and Other	-	-	2.66M	2.71M	2.5M	2.68M	2.94M	2.9M	3.04M	3.41M
Advertising Service Fees and Other Growth	-	-	-	1.99%	-7.78%	7.32%	9.43%	-1.43%	4.97%	12.27%
Traditional Business	23.83M	6.04M	-	-	-	-	-	-	-	-
Traditional Business Growth	-	-74.66%	-	-	-	-	-	-	-	-
The Technology Companies	13.85M	-	-	-	-	-	-	-	-	-
The Technology Companies Growth	-	-	-	-	-	-	-	-	-	-

Revenue by Geography

	2013	2014	2018	2019	2020	2021	2022	2023	2024	2025
Non-US	-	-	-	-	-	-	-	-	-	11.9M
Non-US Growth	-	-	-	-	-	-	-	-	-	-
AUSTRALIA	-	-	-	-	-	-	-	-	-	10.07M
AUSTRALIA Growth	-	-	-	-	-	-	-	-	-	-
CANADA	-	-	-	-	-	-	-	-	-	686K
CANADA Growth	-	-	-	-	-	-	-	-	-	-
GUAM	-	-	-	-	-	-	-	-	-	674K
GUAM Growth	-	-	-	-	-	-	-	-	-	-

Frequently Asked Questions

Valuation & Price

Daily Journal Corporation (DJCO) has a price-to-earnings (P/E) ratio of 8.0x. This may indicate the stock is undervalued or faces growth challenges.

Growth & Financials

Daily Journal Corporation (DJCO) reported $79.2M in revenue for fiscal year 2025. This represents a 148% increase from $31.9M in 2012.

Daily Journal Corporation (DJCO) grew revenue by 25.4% over the past year. This is strong growth.

Yes, Daily Journal Corporation (DJCO) is profitable, generating $96.7M in net income for fiscal year 2025 (127.9% net margin).

Dividend & Returns

Daily Journal Corporation (DJCO) has a return on equity (ROE) of 33.5%. This is excellent, indicating efficient use of shareholder capital.

Daily Journal Corporation (DJCO) generated $11.9M in free cash flow for fiscal year 2025. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.