NRCHIGH SIGNALFINANCIAL10-K

NRC Health shows severe balance sheet deterioration with stockholders' equity plummeting 55% while debt surged 65%, despite paradoxically higher net income.

The dramatic erosion in stockholders' equity alongside substantial debt increases suggests potential financial restructuring, large one-time charges, or aggressive capital allocation that has fundamentally weakened the company's financial position. The disconnect between declining operating performance (35% drop in operating income, 24% fall in operating cash flow) and rising net income raises questions about the quality and sustainability of earnings.

Comparing 2026-03-05 vs 2025-03-17View on EDGAR →
FINANCIAL ANALYSIS

NRC Health presents a troubling financial picture with core operating metrics deteriorating significantly—operating income fell 36% and operating cash flow dropped 24%—while expenses surged across the board. The balance sheet shows severe stress with stockholders' equity collapsing 55% and debt increasing 65%, indicating potential financial distress or major restructuring activities. Despite these concerning operational and balance sheet trends, net income paradoxically increased 31%, suggesting the presence of significant one-time items or accounting adjustments that mask underlying business weakness and raise serious questions about earnings quality and financial stability.

FINANCIAL STATEMENT CHANGES
Interest Expense
P&L
+201%
$862K$2.6M

Interest expense surged 201% — significant debt increase or rising rates materially impacting earnings.

Total Debt
Balance Sheet
+64.9%
$22.3M$36.8M

Debt increased 64.9% — substantial leverage increase; assess whether deployed for growth or covering losses.

Stockholders Equity
Balance Sheet
-55.3%
$31.3M$14.0M

Equity declined sharply — large losses, buybacks, or write-downs reducing book value significantly.

Operating Income
P&L
-35.8%
$35.2M$22.6M

Operating income deteriorated sharply — investigate whether driven by one-time charges or structural cost issues.

Share Buybacks
Cash Flow
-34.8%
$30.9M$20.2M

Buyback activity reduced 34.8% — capital being redeployed elsewhere or cash conservation underway.

Net Income
P&L
+31%
$22.9M$30.0M

Net income grew 31% — bottom-line growth signals improving overall business health.

Capital Expenditure
Cash Flow
-30.7%
$15.4M$10.7M

Capex reduced 30.7% — investment cycle winding down or capital discipline; may improve near-term free cash flow.

Operating Cash Flow
Cash Flow
-23.6%
$34.6M$26.4M

Operating cash flow softened — monitor whether temporary working capital timing or structural deterioration.

SG&A Expense
P&L
+22%
$44.9M$54.8M

SG&A increased modestly — likely reflects growth-related hiring or sales expansion investment.

Total Liabilities
Balance Sheet
+19.4%
$101.3M$120.9M

Liabilities increased 19.4% — monitor debt-to-equity ratio and interest coverage.

LANGUAGE CHANGES
NEW — 2026-03-05
PRIOR — 2025-03-17
ADDED
Securities and Exchange Commission within 120 days after December 31, 2025.
General For nearly 45 years, NRC Health has led the charge to humanize healthcare and support organizations in their understanding of each unique individual.
NRC Health s commitment to Human Understanding helps leading healthcare systems improve their operations through understanding each person they serve not as point-in-time insights, but as an ongoing relationship.
We believe access to, analysis of, and acting on our extensive individual-driven information is increasingly valuable as healthcare providers need to better understand and engage the people they serve to create long-term relationships, build loyalty, and improve processes.
Our expertise includes efficient capture, transmittal, analysis, and interpretation of critical data elements from millions of healthcare consumers and thousands of clinicians.
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REMOVED
NRC Health s commitment to Human Understanding helps leading healthcare systems get to know each person they serve not as point-in-time insights, but as an ongoing relationship.
We believe access to, and analysis of, our extensive consumer-driven information is increasingly valuable as healthcare providers need to better understand and engage the people they serve to create long-term relationships and build loyalty.
Our expertise includes the efficient capture, transmittal, analysis, and interpretation of critical data elements from millions of healthcare consumers.
We partner with clients across the continuum of healthcare services and believe this cross-continuum positioning is a unique and an increasingly important capability as evolving payment models drive healthcare providers and payers towards a more collaborative and integrated service model.
We have a broad and diversified client base that is distributed primarily across the United States.
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