AIOS Tech

AIOS

Financial - Credit Services · Financial Services

Price

$12.05

-0.39 (-3.14%)

Market Cap

$2.8M

Exchange

NASDAQ Capital Market

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Data as of Aug 9, 2026 · filings through Dec 31, 2025

Share count rising — dilution

+115.6% over 4y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 108K (2021) → 232K (2025)

AIOS Tech Inc. is a financial technology company that provides software and services to help lenders and credit providers manage loans and credit products. Its tools are used by banks, credit unions, and other financial institutions to handle things like loan origination, servicing, and compliance. The company operates in the credit services industry, sitting at the intersection of finance and software.

AIOS Tech makes money primarily through software licenses and recurring service fees paid by its financial institution clients. It appears to operate mainly in the United States, and while its market capitalization is very small, its gross margin of 56% and return on invested capital above 30% suggest an efficient, software-driven business model with some pricing power. The main growth driver is the ongoing push by lenders to modernize their technology systems, though being a small company means it faces real risk from larger, better-resourced competitors in the financial software space.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-158.2% YoY

YoY Growth Rate

Revenue declining

EPS Growth

<−1,000% YoY

YoY Growth Rate

Earnings declining

R&D Spend

$0/ year

↓ Declining (-100% vs prior year)

0.0% of revenue

Below sector average (7%)

R&D spend declining — could signal cost-cutting or efficiency

Insider Activity

29.3%ownership

Insiders own a meaningful stake in the company

Cash Position

Cash flow positive

$1M cash & investments

Quarterly Free Cash Flow

↓ Burn rate worsening

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

AIOS Tech's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

Every number that matters to educated investors.

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Quality

Gross Margin

8.5%

Thin — 8.5% gross margin

Operating Margin

3.2%

Thin — 3.2% operating margin

ROCE

-58.9%

Weak — -58.9% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

-98.5%

Shrinking sales (-98.5% YoY)

EPS YoY

<−1,000%

Earnings shrinking (<−1,000% YoY)

Earnings per share down more than 10%. Either a bad year, or a real decline.

EPS Consistency

1/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

Data not available

FCF Margin

-725.9%

Burning cash (-725.9%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

100.00x

—

Comfortably covers interest (100.0x)

Interest coverage above 8. Profits cover interest many times over.

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Valuation

P/E Ratio (TTM)

N/M

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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