PFXHIGH SIGNALFINANCIAL10-K

PFX experienced a dramatic deterioration in cash position alongside substantially lower profitability and increased borrowing costs.

The company's cash reserves fell by nearly 90% to just $7.3M, creating potential liquidity concerns for this investment company that relies on capital deployment. Combined with meaningfully reduced net income and higher interest expenses, this suggests significant operational headwinds or poor investment performance that investors should monitor closely.

Comparing 2025-12-12 vs 2024-12-17View on EDGAR →
FINANCIAL ANALYSIS

PFX's financial position weakened considerably, with cash and equivalents plummeting from $67.6M to $7.3M, representing a near-complete depletion of liquid resources. Net income declined substantially while interest expense increased meaningfully to $10.3M, indicating higher borrowing costs are pressuring profitability. The company also reduced share buybacks significantly, likely reflecting the constrained cash position and deteriorating earnings performance.

FINANCIAL STATEMENT CHANGES
Cash & Equivalents
Balance Sheet
-89.2%
$67.6M$7.3M

Cash declined 89.2% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Net Income
P&L
-77.7%
$18.6M$4.2M

Net income declined 77.7% — review whether driven by operations, interest costs, or non-recurring items.

Share Buybacks
Cash Flow
-66.2%
$2.4M$801K

Buyback activity reduced 66.2% — capital being redeployed elsewhere or cash conservation underway.

Interest Expense
P&L
+55.5%
$6.6M$10.3M

Interest expense surged 55.5% — significant debt increase or rising rates materially impacting earnings.

LANGUAGE CHANGES
NEW — 2025-12-12
PRIOR — 2024-12-17
ADDED
The Registrant had 2,000,560 shares of common stock, $0.001 par value, outstanding as of December 11, 2025.
The management team seeks to achieve this objective primarily through making loans and private equity investments in privately-held companies.
As of September 30, 2025, the Company s asset coverage was 207.8% after giving effect to leverage and therefore the Company s asset coverage was greater than 200%, the minimum asset coverage requirement applicable presently to the Company under the 1940 Act.
The Company has invested in its affiliate, NVTN LLC, which is a restaurant concept with locations throughout the US, mostly in budget friendly tourist destinations.
Human Capital Resources As of September 30, 2025, the internalized management team consists of 4 investment professionals and 7 employees/consultants overall.
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REMOVED
The Registrant had 2,019,778 shares of common stock, $0.001 par value, outstanding as of December 16, 2024.
The management team seeks to achieve this objective primarily through making loans, private equity investments in privately-held companies.
1 As of September 30, 2024, the Company s asset coverage was 216.8% after giving effect to leverage and therefore the Company s asset coverage was greater than 200%, the minimum asset coverage requirement applicable presently to the Company under the 1940 Act.
Human Capital Resources As of September 30, 2024, the internalized management team consists of 3 investment professionals and 6 employees/consultants overall.
We are exposed to risks associated with changes in interest rates on loans under our credit facility and loans to our portfolio companies, which bear interest based on SOFR or LIBOR.
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