debt_leverage_profile
-17.00x Total Debt / Equity (Negative equity)
High
SEC-XBRL
interest_rate_sensitivity
Moderate
Medium
SEC-10K 0001104659-26-023812
geopolitical_supply_exposure
Medium intensity; China's 2025 export-licensing regime on rare-earth magnets and battery-grade graphite is the live chokepoint for auto and EV production, compounded by US Section 232 tariff expansion on steel, aluminum, and copper that repriced the sector's core metal inputs in 2025-2026.
Medium
GICS-commodity-overlay-v2
supply_chain_dependency
High
Medium
SEC-10K 0001104659-26-023812
international_expansion_readiness
Low
Medium
SEC-10K 0001104659-26-023812
geographic_footprint
Domestic (U.S. focused)
Medium
SEC-10K 0001104659-26-023812
commodity_exposure_profile
Medium intensity; commodities: steel, aluminum, petrochemical resins/plastics, copper, lithium and battery-grade materials (nickel, graphite), lumber, cotton; geopolitical: China's 2025 export-licensing regime on rare-earth magnets and battery-grade graphite is the live chokepoint for auto and EV production, compounded by US Section 232 tariff expansion on steel, aluminum, and copper that repriced the sector's core metal inputs in 2025-2026.
Medium
GICS-commodity-overlay-v2
vendor_lock_dependency_score
High
Medium
SEC-10K 0001104659-26-023812
business_model_type_primary
Manufacturer & service provider
Medium
SEC-10K 0001104659-26-023812
business_model_type_secondary
SaaS provider
Medium
SEC-10K 0001104659-26-023812
switching_cost_profile
High
Medium
SEC-10K 0001104659-26-023812
howey_test_risk_index
Low
Medium
SEC-10K 0001104659-26-023812
regulatory_burden_tier
Medium
Medium
GICS-regulatory-overlay-v1
data_sovereignty_risk
High
Medium
SEC-10K 0001104659-26-023812
antitrust_exposure_flag
No
Medium
SEC-10K 0001104659-26-023812
regulatory_exposure_profile
Medium burden; regimes: FTC, CPSC, NLRB, CFPB, GDPR, SEC; Evolving consumer protection and data-privacy rules squeeze retail margins.
Medium
GICS-regulatory-overlay-v1
revenue_model_type
Product sales & services
Medium
SEC-10K 0001104659-26-023812
monetization_vector
Unit sales & recurring services
Medium
SEC-10K 0001104659-26-023812
pricing_architecture
Transactional/unit-based with recurring components
Medium
SEC-10K 0001104659-26-023812
pricing_power_rating
Moderate
Medium
SEC-10K 0001104659-26-023812
target_gross_margin_bracket
31.3% Gross Margin (Moderate (20-40%))
High
SEC-XBRL
churn_vulnerability_index
Moderate
Medium
SEC-10K 0001104659-26-023812
headcount_cost_structure
36.9% OpEx / Revenue (High Cost Structure)
High
SEC-XBRL
marginal_cost_of_growth
21.2% OpEx as % Revenue (Moderately Scalable)
High
SEC-XBRL
franchise_compliance_risk
N-A
Medium
SEC-10K 0001104659-26-023812
customer_acquisition_metric
Direct sales force and Resellers (financial institution platform providers and card processors)
Medium
SEC-10K 0001104659-26-023812
network_effect_present
No
Medium
SEC-10K 0001104659-26-023812
asset_efficiency_ratio
5.4% Return on Assets (Excellent)
High
SEC-XBRL
recession_resistance_tier
Cyclical
Medium
SEC-10K 0001104659-26-023812
customer_segment_primary
Enterprise (financial institutions, processors, prepaid program managers)
Medium
SEC-10K 0001104659-26-023812
customer_segment_secondary
Healthcare, entertainment, government, and other non-traditional verticals
Medium
SEC-10K 0001104659-26-023812
characteristic_occupations
["11-0000 Management Occupations", "13-0000 Business and Financial Operations Occupations", "15-0000 Computer and Mathematical Occupations", "23-0000 Legal Occupations", "25-0000 Educational Instruction and Library Occupations", "27-0000 Arts, Design, Entertainment, Sports, and Media Occupations", "35-0000 Food Preparation and Serving Related Occupations", "39-0000 Personal Care and Service Occupations", "41-0000 Sales and Related Occupations", "43-0000 Office and Administrative Support Occupations", "49-0000 Installation, Maintenance, and Repair Occupations", "51-0000 Production Occupations", "53-0000 Transportation and Material Moving Occupations"]
High
SOC-2018/GICS-overlay
agent_automatable_labor_share
0.22 (HIL — ~22% of characteristic roles agent-automatable)
Medium
SOC-2018 + agentic-exposure-v2
capital_expenditure_profile
3.3% CapEx / Revenue (Low-CapEx Asset-Light)
High
SEC-XBRL
sec_cik
0001641614
High
SEC-EDGAR
ticker
PMTS
High
SEC-EDGAR