HCXYMEDIUM SIGNALFINANCIAL10-K

HCXY significantly expanded its debt investment portfolio while experiencing a substantial deterioration in operating cash flow despite strong net income growth.

The company appears to be actively deploying capital into new senior secured debt investments across application software companies, which aligns with its business model but increases concentration risk in the tech sector. The dramatic -260% decline in operating cash flow alongside 29% net income growth suggests potential timing differences or non-cash income recognition that warrants investor scrutiny.

Comparing 2026-02-12 vs 2025-02-13View on EDGAR →
FINANCIAL ANALYSIS

HCXY demonstrates a mixed financial picture with strong profitability growth (net income up 29% to $340M) but concerning cash flow dynamics (operating cash flow declining to -$426M). The company expanded its balance sheet significantly, growing total assets 20% to $4.6B and increasing debt 29% to $2.3B, while maintaining a solid equity base that grew 11% to $2.2B. The disconnect between strong earnings and negative operating cash flow, combined with substantial debt growth and higher interest expenses, suggests aggressive investment activity that may pressure near-term liquidity despite improved cash reserves.

FINANCIAL STATEMENT CHANGES
Operating Cash Flow
Cash Flow
-260.6%
-$118.1M-$425.8M

Operating cash flow fell 260.6% — earnings quality concerns; investigate working capital changes and non-cash items.

Share Buybacks
Cash Flow
+89.2%
$3.4M$6.5M

Share repurchases increased 89.2% — management returning capital, signals confidence in intrinsic value.

Cash & Equivalents
Balance Sheet
+33.3%
$42.7M$56.9M

Cash position surged 33.3% — strong cash generation or capital raise providing significant financial cushion.

Total Debt
Balance Sheet
+29.3%
$1.8B$2.3B

Debt rose 29.3% — additional borrowing for investment or operations; monitor coverage ratios.

Net Income
P&L
+29.2%
$263.0M$339.7M

Net income grew 29.2% — bottom-line growth signals improving overall business health.

Total Liabilities
Balance Sheet
+28.6%
$1.8B$2.4B

Liabilities increased 28.6% — monitor debt-to-equity ratio and interest coverage.

Interest Expense
P&L
+24.2%
$62.3M$77.5M

Interest costs rose 24.2% — monitor debt levels and coverage ratio in rising rate environment.

Total Assets
Balance Sheet
+19.6%
$3.8B$4.6B

Asset base grew 19.6% — expansion through organic growth, acquisitions, or capital deployment.

Stockholders Equity
Balance Sheet
+11.4%
$2.0B$2.2B

Equity base grew 11.4% — retained earnings accumulation or equity issuance strengthening the balance sheet.

LANGUAGE CHANGES
NEW — 2026-02-12
PRIOR — 2025-02-13
ADDED
and Senior Secured and Maturity Date February 2029 and Prime + 3.50%, Floor rate 10.00%, 3.50% Exit Fee 2025-12-31 0001280784 Debt Investments Application Software and Ceros, Inc.
and Senior Secured and Maturity Date June 2027 and 3-month SOFR + 8.99%, Floor rate 9.89% 2025-12-31 0001280784 Debt Investments Application Software and Chainalysis, Inc.
and Senior Secured and Maturity Date June 2029 and Prime + 2.95%, Floor rate 10.45% 2025-12-31 0001280784 Debt Investments Application Software and Dashlane, Inc.
and Senior Secured and Maturity Date December 2027 and Prime + 3.05%, Floor rate 11.55%, PIK Interest 1.10%, 6.28% Exit Fee 2025-12-31 0001280784 Debt Investments Application Software and Dispatch Technologies, Inc.
and Senior Secured and Maturity Date April 2028 and 3-month SOFR + 7.86%, Floor rate 8.61% 2025-12-31 0001280784 Debt Investments Application Software and Distributed Creation Inc.
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REMOVED
2024-12-31 0001280784 Equity Investments Software and SirionLabs Pte.
Warrant, Acquisition Date 8/24/2023, Series Common Stock 2024-01-01 2024-12-31 0001280784 Warrant Investments and Software and Suzy, Inc.
Gibraltar Business Capital, LLC), Equity, Acquisition Date 3/1/2018, Series Member Units 2023-01-01 2023-12-31 0001280784 Equity Investments Diversified Financial Services and Gibraltar Acquisition, LLC (p.k.a.
AcelRx Pharmaceuticals, Inc.), Equity, Acquisition Date 12/10/2018, Series Common Stock 2023-01-01 2023-12-31 0001280784 Equity Investments Drug Delivery and Talphera, Inc.
Applied Molecular Transport)., Equity, Acquisition Date 4/06/2021, Series Common Stock 2023-01-01 2023-12-31 0001280784 Equity Investments Drug Discovery Development and Cyclo Therapeutics, Inc.
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