All three tenses have at least two readings, so the archetype blend applies as printed.
Of the nine metrics, 8 read as filed from the record and 1 is an SI estimate, 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?
2 warning events since 2022; the latest 2026-04-30.
From the record
mF International Limited's filings since 2022 show 2 warning events: a late-report notice (Form NT 10-K or NT 10-Q, 2 times, the latest 2026-04-30) (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?
-1.1% a year over 4 filed years; profitable in 3 of 4.
From the record
mF International Limited's 4 filed years say what it did: revenue went from HKD 35 million in fiscal 2022 to HKD 34 million in fiscal 2025, down 1.1% a year; it rose in 1 of 3 years; the deepest fall was 25% from fiscal 2022 to fiscal 2024; net income was positive in 3 of 4 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?
Share count shrank 15.9% a year. 8% of cash flow returned. Insiders: 0 sales, 0 purchases.
From the record
Over the 4 fiscal years to 2025-12-31, mF International Limited's diluted share count shrank about 15.9% a year, and dividends and buybacks returned about 8% of its net income over 3 years (its filed statements). Its officers and directors filed 0 sales and 0 purchases of their own stock on the open market in the year to 2026-09-30 (their Form 4 filings).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are they doing right now?
Is it financially healthy right now?
ROE 2%: 2¢ of profit per shareholder dollar. Leverage 1%: owes 1¢ per asset dollar.
From the record
Return on equity: in the fiscal year ended 2025-12-31, mF International Limited earned about 2 cents of profit for every dollar of shareholders' money, and gross profitability: its products earned about 0 cents per dollar of everything the company owns. Leverage: it owed about 1 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?
top 33% of 33 in its family; net margin 232.8%.
From the record
mF International Limited's standing among 33 graded names in its industry family: revenue of HKD 34 million in fiscal 2025 is not ranked by size, since the family reports in another currency; a net margin of 232.8% ranks in the top 2%; revenue growth of -1.1% a year over the last 3 filed years ranks in the bottom 35% (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
What are the people in charge doing?
SI estimate 6.4/10, confidence 20 of 100 (family median).
SI estimate Inferred, not read as filed
From the record
SI estimate, not a filed reading: mF International Limited's leadership is put at 6.4 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 2026-04-01 (a listing, a merger or a first filing under the rules) and its chief executive 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 13 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 30% of 32 in its family for room to expand.
From the record
mF International Limited's room to grow, from the newest filed statements (fiscal 2025): cash of HKD 223 million against debt of HKD 1 million leaves 5.5% of its assets as net cash, bottom 38% of its family; cash from operations less capital spending is -47.4% of revenue (bottom 33%); a gross margin of 29.6% (bottom 43%); research spending of 0.1% of revenue (bottom 8%) (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?
top 37% of 33 in its family for growth drivers.
From the record
mF International Limited's growth drivers, from the filed years to fiscal 2025: revenue grew -1.1% a year over the last three filed years against -1.1% over all 4, speeding up (top 32% of its family); the newest year grew 29.7% (top 20%); research spending grew -16.9% a year (bottom 23%); capital spending grew 53.7% a year (top 20%) (its annual reports). mF International Limited reported 6 product lines in fiscal 2025: Subscriptions at HKD 15 million (45%), Hosting Support and Maintenance Services at HKD 5 million (15%), Whitel Label Services at HKD 5 million (14%), and 3 more; 5 of 6 grew against the year before (its annual report).
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?
top 9% of 29 in its family for expectations against reality.
From the record
mF International Limited's newest year against its own record: revenue of HKD 34 million in fiscal 2025 came in 50% above the HKD 23 million its prior three years' pace pointed to (top 12% of its family); net income of HKD 79 million against a prior three-year average of HKD 2 million (top 2%); a net margin of more than its whole revenue against -12.4% before (top 12%) (its annual reports).
What it rests on
A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.
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