All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 5 read as filed from the record and 4 are SI estimates, each with its reasoning, its confidence and what would change it on its card.
What did they actually do?
Has it survived what it has been through?
1 warning event since 2023; the latest 2025-04-17.
From the record
Cuprina Holdings (Cayman) Limited's filings since 2023 show 1 warning event: a late-report notice (Form NT 10-K or NT 10-Q, the latest 2025-04-17) (its current reports).
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What has it actually done, year after year?
-4.1% a year over 4 filed years; profitable in 0 of 3.
From the record
Cuprina Holdings (Cayman) Limited's 4 filed years say what it did: revenue went from SGD 57 thousand in fiscal 2022 to SGD 50 thousand in fiscal 2025, down 4.1% a year; it rose in 2 of 3 years; the deepest fall was 52% from fiscal 2023 to fiscal 2024; net income was positive in 0 of 3 of those years (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How has it treated the people who own it?
SI estimate 6.5/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Cuprina Holdings (Cayman) Limited's shareholder treatment is put at 6.5 of 10 with a confidence of 20 of 100, because fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income, so the desk assumes the typical reading of its industry family, the median of 18 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
What are they doing right now?
Is it financially healthy right now?
Leverage 41%: owes 41¢ per asset dollar.
From the record
gross profitability: Cuprina Holdings (Cayman) Limited's products earned less than nothing, about minus 0 cents per dollar of everything the company owns. Leverage: it owed about 41 cents per dollar of assets (the filed statements).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
How strong is its position in its industry?
SI estimate 1.3/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Cuprina Holdings (Cayman) Limited's industry position is put at 1.3 of 10 with a confidence of 35 of 100, because read from one part only, three-year revenue growth, which ranks in the bottom 13% of 27 in its family; fewer than two of the three parts can be read: size in the family's currency, net margin, three-year growth. A filing that carries the missing parts replaces this estimate with the filed reading.
What are the people in charge doing?
SI estimate 5.3/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Cuprina Holdings (Cayman) Limited's leadership is put at 5.3 of 10 with a confidence of 20 of 100, because it files no Form 8-K (a foreign issuer reports on Form 6-K), so officer and director changes cannot be read there; the record of its people begins on 2026-04-02 (a listing, a merger or a first filing under the rules) and its chief executive and most of the people in charge have filed since then, so the record shows a floor of 7 months and cannot see past it; a floor under five years is not read as years in charge, so the desk assumes the typical reading of its industry family, the median of 19 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.
What are they set up to do next?
How much room does it have to grow?
bottom 42% of 25 in its family for room to expand.
From the record
Cuprina Holdings (Cayman) Limited's room to grow, from the newest filed statements (fiscal 2025): cash of SGD 3 million against debt of SGD 165 thousand leaves 34.7% of its assets as net cash, top 28% of its family; cash from operations less capital spending is -18423.4% of revenue (bottom 2%); a gross margin of -1.3% (bottom 6%); research spending of 454.7% of revenue (top 11%) (its annual report).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What could actually drive growth from here?
bottom 41% of 25 in its family for growth drivers.
From the record
Cuprina Holdings (Cayman) Limited's growth drivers, from the filed years to fiscal 2025: revenue grew -4.1% a year over the last three filed years against -4.1% over all 4, speeding up (bottom 38% of its family); the newest year grew 3.3% (bottom 34%); research spending grew -8.2% a year (bottom 10%); capital spending grew 53.6% a year (top 19%) (its annual reports). Cuprina Holdings (Cayman) Limited tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
Did its newest year beat what its own record pointed to?
SI estimate 9.0/10, confidence 35 of 100 (one part).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: Cuprina Holdings (Cayman) Limited's expectations vs reality is put at 9.0 of 10 with a confidence of 35 of 100, because read from one part only, revenue against the prior three years' pace, which ranks in the top 10% of 24 in its family; the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change. A filing that carries the missing parts replaces this estimate with the filed reading.
The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made