Vericity, Inc.

VERY

VERYVericity, Inc. US flag

NASDAQ Capital Market

11.43

USD

+0.15

- -

170.02MMarket Cap

Income Statement (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Sales/Revenue/Turnover	116	124	135	148	177	164	178
+ Sales & Services Revenue	116	124	135	148	177	164	178
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	56	68	- -	- -	- -	- -	- -
+ Research & Development	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-56	-68	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	11	16	20	27	17	23	11
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	11	16	20	27	17	23	11
Pretax Income	-11	-16	-20	-27	-17	-23	-11
- Income Tax Expense (Benefit)	-3	-2	-1	-2	- -	-2	-1
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	-8	-14	-19	-25	-17	-20	-10
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	-8	-14	-19	-25	-17	-20	-10
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	-8	-14	-19	-25	-17	-20	-10
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	-8	-14	-19	-25	-17	-20	-10
EBIT	- -	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
EBITA	-1	-1	-1	-3	-3	-4	-5
Gross Margin (%)	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	-7.11	-11.17	-14.28	-16.93	-9.43	-12.48	-5.57
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	1	1	1	3	3	4	5
Basic Weighted Avg Shares	15	15	15	15	15	15	- -
Basic EPS, GAAP	-0.55	-0.93	-1.3	-1.68	-1.12	-1.38	- -
Basic EPS from Cont Ops	-0.55	-0.93	-1.3	-1.68	-1.12	-1.38	- -
Diluted Weighted Avg Shares	15	15	15	15	15	15	- -
Diluted EPS, GAAP	-0.55	-0.93	-1.3	-1.68	-1.12	-1.38	- -
Diluted EPS from Cont Ops	-0.55	-0.93	-1.3	-1.68	-1.12	-1.38	- -

Balance Sheet (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

Total Current Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	350	328	383	400	375	308	321
+ Cash & Cash Equivalents	12	21	38	36	22	10	8
+ ST Investments	338	307	345	364	352	298	313
+ Accounts & Notes Receiv	146	138	144	178	213	250	292
+ Accounts Receivable, Net	144	137	133	158	184	215	239
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	2	2	11	20	29	35	53
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-495	-466	-527	-578	-588	-558	-614
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip	- -	- -	- -	- -	- -	- -	- -
- Accumulated Depreciation	- -	- -	- -	- -	- -	- -	- -
+ LT Investments & Receivables	344	312	350	368	352	298	313
+ LT Investments	344	312	350	368	352	298	313
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-344	-312	-350	-368	-352	-298	-313
+ Total Intangible Assets	2	2	2	2	2	2	2
+ Goodwill	- -	- -	- -	- -	- -	- -	- -
+ Other Intangible Assets	2	2	2	2	2	2	2
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-346	-313	-352	-369	-354	-300	-315
Total Assets	666	655	722	769	788	770	823
+ Payables & Accruals	11	9	11	13	13	10	10
+ Accounts Payable	7	6	15	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	4	3	-4	13	13	10	10
+ ST Debt	- -	3	4	6	4	7	9
+ ST Borrowings	- -	3	4	6	4	7	9
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	-11	-12	-15	-19	-17	-16	-19
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	-11	-12	-15	-19	-17	-16	-19
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	- -	10	17	25	22	30	40
+ LT Borrowings	- -	10	17	25	22	30	40
+ LT Finance Leases	- -	- -	- -	- -	- -	- -	- -
+ Other LT Liabilities	- -	-10	-17	-25	-22	-30	-40
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	- -	-10	-17	-25	-22	-30	-40
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	470	483	509	574	615	659	713
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	- -	- -	40	40	40	40	40
+ Common Stock	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	- -	- -	40	40	40	40	40
- Treasury Stock	- -	- -	- -	- -	- -	- -	- -
+ Retained Earnings	188	175	164	139	122	102	92
+ Other Equity	8	-2	9	17	11	-30	-21
Equity Before Minority Interest	196	172	212	195	173	111	110
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	196	172	212	195	173	111	110
Total Liabilities & Equity	666	655	722	769	788	770	823
Shares Outstanding	20	20	15	15	15	15	15
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	- -	- -	- -	- -	- -
Net Debt	-12	-8	-17	-6	4	27	41
Net Debt to Equity	-6	-4.42	-8.12	-2.95	2.3	24.62	37.17
Tangible Common Equity Ratio	29.24	26.1	29.27	25.24	21.78	14.28	13.22
Current Ratio	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023

+ Net Income	-8	-14	-19	-25	-17	-20	-10
+ Depreciation & Amortization	- -	- -	- -	- -	- -	- -	- -
+ Non-Cash Items	2	3	3	5	4	3	7
+ Stock-Based Compensation	- -	- -	- -	- -	- -	- -	- -
+ Deferred Income Taxes	-2	-3	-2	-4	- -	-6	-6
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	4	7	5	9	5	9	13
+ Chg in Non-Cash Work Cap	16	15	13	25	11	10	7
+ (Inc) Dec in Accts Receiv	1	7	3	-33	-35	-37	-42
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Other	15	7	10	59	47	47	50
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	9	4	-3	5	-1	-7	5
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	- -	141	- -	- -	- -	- -
+ Increase in Capital Stock	- -	- -	141	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	- -	- -	- -	- -	- -	- -
+ Net Change in LT Investment	1	9	-24	-4	2	-6	-5
+ Dec in LT Investment	82	76	134	89	69	38	45
+ Inc in LT Investment	-81	-66	-158	-93	-67	-43	-50
+ Net Cash From Acq & Div	1	1	- -	- -	- -	- -	- -
+ Cash from Divestitures	1	1	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-11	-8	-1	-5	-3	-3	-2
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-9	3	-26	-9	-1	-9	-7
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	- -	12	6	8	-6	9	9
+ Cash From Debt	- -	17	13	17	1	22	44
+ Repayments of Debt	- -	-5	-7	-8	-7	-13	-35
+ Other Financing Activities	-9	-9	-102	-7	-6	-6	-9
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-9	2	45	2	-12	4	- -
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-8	9	17	-2	-14	-13	-2
EBITDA	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow	9	4	-3	5	-1	-7	5
Net Cash Paid for Acquisitions	-1	-1	- -	- -	- -	- -	- -
Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Equity	- -	16	3	14	-6	2	14
Free Cash Flow per Basic Share	0.64	0.28	-0.19	0.36	-0.05	-0.5	- -
Price/Free Cash Flow	- -	- -	-67.18	28.08	-130.05	-15.14	- -
Cash Flow to Net Income	-1.15	-0.3	0.14	-0.21	0.05	0.36	-0.49
Capital Expenditures	- -	- -	- -	- -	- -	- -	- -