GEORGE RISK INDUSTRIES, INC.

RSKIA · Technology · $161.4M mkt cap · FY2025 filings · Narrow moat

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Narrow moat

The four filters

Pricing power80

Median gross margin 49.1% over 10y, very stable.

Returns on capital35

Median ROIC 9.0%, above the 9% hurdle in 50% of years.

Balance-sheet safety73

Net debt/EBITDA n/ax, interest coverage 1040x.

Capital discipline73

Owner earnings +9.9%/yr, share count flat.

Margin of safety

Above valueOn sale

101% above value

Owner earnings (normalized): $7.2M
Est. intrinsic value / share: $9.44
Recent price: $18.98
Discount to value: 101% above value

Conservative model: 9% discount rate, 0% assumed growth (capped at 4%), maintenance capex ≈ min(capex, D&A).

Moat Score history

Score history begins 2026-07-17. Check back as the record builds.

Scores are logged append-only and never overwritten — this record can't be backfilled, which is exactly why it's worth keeping.

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Scored from primary SEC filings via the public methodology. Educational only — not a recommendation to buy or sell RSKIA. See the disclaimer.