Forensic Analysis · General / Diversified · as of Sep 10, 2026
Bloomia Holdings, Inc. (TULP)
A forensic read on Bloomia Holdings, Inc. built from its complete SEC filings — financial-health screens, earnings quality, red flags and a price-aware rating. Reproducible math, not opinion.
F · Poor — capital at risk
Forensic grade
Distress
Financial health
0.2
Distress distance
Clean
Earnings quality
6
Forensic signals
-58.4%
ROE
The financial-health reading above compares this company's equity at BOOK value, not at what the market currently pays for it — this free snapshot doesn't pull live market data. Treat it as a rough read, not the final word.
This free snapshot doesn't read filing or proxy text, so the auditor-quality and governance checks that can lower a grade were not evaluated (red flags, auditor quality, say on pay, board independence, going concern, valuation). Those checks only ever lower a grade, so the full analysis can land below the grade above but never above it — treat it as the most favourable reading, not the settled one.
Bloomia Holdings, Inc. earns an F (Poor — capital at risk) forensic quality grade, and its balance-sheet distress test reads 0.2, placing it in the Distress zone (based on book value, not market value, since this free snapshot doesn't pull live market data — treat this zone as a rough read, not the final word). 6 forensic signals were flagged in its latest SEC filings, led by accruals ratio (% of noa).
What the filings flag
+105.5%
FY2023→FY2024
Accruals ratio (% of NOA).Net operating assets grew +105.5% relative to their own average in FY2024 — scaled by NOA itself, not by total assets, which is what the Forensic Screens card's own accrual row divides by. Accruals are building sharply — a large slice of profit sits in operating assets, not cash. An accrual is a claim that still has to be collected or written down, so the gap resolves in a later period whichever way it goes. The build is led by receivables up +1022% on the year. This is the fourth straight fiscal year of building accruals — an even longer streak than the 3-year mark that already signals a materially stronger tell. A cash-flow measure on the same base disagrees: reported earnings ran behind operating cash by 5% of net operating assets, against an accruals ratio of 105.5%. The two are computed differently: the accruals ratio is the change in net operating assets over average net operating assets, while the cash-flow figure is net income less operating cash flow over that same average. Read them as two results, not one.
156d
FY2022→FY2024
Inventory days.Days inventory outstanding moved from 1 to 156 FY2022→FY2024 (against cost of goods sold; inventory +46003% vs +102% in cost of sales). Inventory is outrunning what's being sold — a flag for softening demand or obsolescence risk ahead. FY2022 and FY2024 aren't consecutive filed years here, so FY2024's opening balance can't be taken from FY2022 — both figures are measured on period-end balances rather than the beginning-plus-ending average, which keeps the two endpoints comparable to each other.
-5.6%
FY2024
Return on invested capital.Return on invested capital is -5.6% in the latest fiscal year and rising from -101% — well below its ~9% cost of capital, and it has been across FY2019–FY2024, so reinvested dollars have not been earning their keep.
+0.2%/yr
Key fundamentals
Latest Revenue$37.8M
Revenue CAGR (3yr)+24.6%
Net Margin-15.2%
Free Cash Flow-$5.2M
Return on Equity-58.4%
Debt / Equity4.10x
The forensic grade and screens above are free — no account needed. Want the AI investment read on top — the 0–100 rating, thesis, bull-vs-bear, red flags and the 12-month scenario, written from Bloomia Holdings, Inc.'s actual 10-K/10-Q/8-K filings?
Data from SEC EDGAR public filings · metrics as of Sep 10, 2026. Forensic signals flag probability, not certainty.
FY2021–FY2024
Share count.Diluted share count changed +1% over the last 3 years to FY2024 (+0.2%/yr). Roughly flat — the count is neither shrinking nor growing meaningfully. Per-share value isn't being meaningfully helped or hurt by the count.
101% of FCF
FY2023
Shareholder returns.Returned $482,000 to shareholders (buybacks + dividends) in FY2023 — 101% of free cash flow. Right at the limit of what free cash flow covers — little room before it's funded by debt or the balance sheet. That ratio has actually been EASING, not tightening further — down from ~1317% of free cash flow a few years back.
-100%
FY2017→FY2018
Dividend — cut.The payout was CUT ~100% in FY2018 (from FY2017) and hasn't been restored since. It still returns some cash, but it is NOT the dependable, rising dividend an unbroken streak implies. Measured on total dividend dollars rather than per share: the reported share count steps sharply around FY2019, a stock-split seam between filing vintages rather than a change in the payout, and a split leaves the dollars paid untouched.
Bloomia Holdings, Inc. (TULP) Stock — Forensic Analysis, Red Flags & Rating | Stockonomy · Stockonomy