CaliberCos Inc. — financial distress indicators
Financial-health summary
CaliberCos Inc.'s reported numbers place it in the 'Very weak' financial-health band (distress score 79/100). The main indicators are critically thin capital, consecutive annual losses and share price down >80% from 52-week high.
Stress by dimension
Share price — last 12 months
Indicators behind the score
Each red flag shows the evidence from the company’s own filings and the financial or legal principle behind it. Points add to the 0–100 score.
Equity / assets is 0.7% vs a ~10% prudent floor for this business.
Leverage-ratio proxy for regulatory capital (Basel III; U.S. PCA 'well-capitalized' ≥5% leverage; RBI CRAR ≥9% banks / 15% NBFCs). Risk-weighted CET1 is not public in this dataset.
Net loss in each of the last two years.
Sustained losses at a lender usually mean credit losses are outrunning provisions — a risk-management failure.
Price is -91% from its 52-week high.
Equity markets price distress early; collapses of this size usually reflect fear of wipe-out in a restructuring.
Share count up +511% in a year.
Survival financing: repeated equity raises at depressed prices.
Revenue changed -27% YoY.
Shrinking net revenue (interest margin, fees, premiums) weakens the capacity to absorb losses.
Last price $0.48.
Below the $1 minimum-bid listing standard (Nasdaq Rule 5550(a)(2) / NYSE 802.01C); sustained breach leads to delisting and loss of capital-market access.
Annualised volatility is 124%.
High equity volatility raises the market-implied default probability.
Revenue vs net income
Cash generation
Debt vs cash vs equity
✅ Mitigating factors
- No material mitigating factors found in the available data.
📰 Recent news scan
- CaliberCos Received Notice of Noncompliance - TradingViewGoogle News · 2026-08-26
- Earnings To Watch: CaliberCos Inc (CWD) Q2 2026 -- GF Value Sees 17% Upside - Yahoo FinanceGoogle News · 2026-08-12
- CWD Stock Pops As CaliberCos Reshapes Finance Team And Pushes Tokenization - Timothy SykesGoogle News · 2026-07-02
- CaliberCos (CWD) Stock Is Trending Overnight — Here's Why it Fell Over 25% in After-Hours Session - BenzingaGoogle News · 2026-07-02
- CWD Stock Pops As CaliberCos Manages CFO Exit, Touts Tokenization Push - StocksToTradeGoogle News · 2026-07-02
⚖️ U.S. legal pathway — Title 11, U.S. Code
Which chapter would apply?
- Chapter 11 — reorganisation. Management usually stays in control as debtor-in-possession; the automatic stay (§362) halts collection; a plan must meet the best-interests test (§1129(a)(7)) and the absolute priority rule (§1129(b)) — creditors are paid before shareholders, who are frequently wiped out.
- Chapter 7 — liquidation. A trustee sells assets and distributes proceeds by statutory priority (§§507, 726).
- Subchapter V (“Chapter 5”) is a fast track for small-business debtors under a statutory debt cap, but SEC-reporting companies are excluded (§101(51D)) — so it rarely applies to listed companies.
What typically triggers a filing
- Payment default or covenant breach lenders will not waive; a debt maturity that cannot be refinanced.
- Auditor going-concern doubt (ASC 205-40 / PCAOB AS 2415) — often itself a default trigger in loan agreements.
- Creditors can force a case with an involuntary petition (§303) if debts are not paid as they come due.
- Delisting after sustained sub-$1 prices or equity deficits cuts off equity funding.
Transactions shortly before filing can be clawed back (preferences — 90 days, §547; fraudulent transfers — 2 years, §548).
Frequently asked questions
What do CaliberCos Inc.'s financial-health indicators show?
As of 2026-10-08, CaliberCos Inc.'s public financial data places it in the 'Very weak' band with a distress score of 79/100, driven by critically thin capital, consecutive annual losses and share price down >80% from 52-week high. This is a statistical screen of reported numbers — it does not mean the company is insolvent, has defaulted or will enter insolvency proceedings.
What is CaliberCos Inc.'s financial distress score?
79/100 ('Very weak').
What works in CaliberCos Inc.'s favour?
No material mitigating factors were found in the available data.
How are shareholders treated if a company enters insolvency?
In a Chapter 11 reorganisation the absolute priority rule pays secured lenders, then unsecured creditors, before shareholders — so existing shares are usually cancelled or heavily diluted. In Chapter 7 the company is liquidated and shareholders rarely recover anything.
Other Bank & Finance companies with distress indicators
- loanDepot, Inc. (LDI)Weak 69/100
- Pineapple Financial Inc. (PAPL)Weak 69/100
- TeraWulf Inc. (WULF)Weak 68/100
- SHF Holdings, Inc. (SHFS)Weak 67/100
- Streamex Corp. (STEX)Weak 67/100
- Soluna Holdings, Inc. (SLNH)Weak 66/100
Methodology
Score = capped sum of rule-based red flags across seven dimensions (liquidity, solvency, profitability, cash flow, sales trend, market signal, news). Ohlson O-score (1980) gives an accounting-based 1-year failure probability; Merton distance-to-default (Bharath & Shumway 2008) gives a market-implied probability. Financial institutions use a capital-based rule set. Recalculated every trading day from the latest filings, prices and news.