Riskified Ltd. (RSKD)

NYSE: RSKD · Services-Business Services, NEC · New York, NY · filing with the SEC since 2021

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Grade5.5

◀ Past 7.2● Present 5.2▶ Future 4.7

1 est.

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The grade of Riskified Ltd.

Nine metrics read from its own filings, by tense

Headline grade

5.5/10

◀ Past7.225% of the headline

● Present5.235% of the headline

▶ Future4.740% of the headline

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.

◀ Past

What did they actually do?

7.2/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed

8.0/10

Has it survived what it has been through?

No warning events in its filings since 2021.

weight 22% of this tense · 80th percentile among 105 sector filers · read for itself

From the record

Riskified Ltd.'s filings since 2021 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

5.9/10

What has it actually done, year after year?

+17.6% a year over 7 filed years; profitable in 0 of 7.

weight 45% of this tense · 59th percentile among 99 sector filers · read for its customers

From the record

Riskified Ltd.'s 7 filed years say what it did: revenue went from $131 million in fiscal 2019 to $345 million in fiscal 2025, up 17.6% a year; it rose in 6 of 6 years; it never fell from a peak; net income was positive in 0 of 7 of those years (its annual reports).

What it rests on

revenue growth over the filed span17.6%top 37% of its family
the share of years revenue rosetop 18% of its family
the share of filed years with a profitbottom 9% of its family
the deepest fall from a revenue peak0.0%top 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed

8.5/10

How has it treated the people who own it?

Share count shrank 2.1% a year. 100% of cash flow returned. Insiders: 83 sales, 0 purchases.

weight 33% of this tense · 85th percentile among 70 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Riskified Ltd.'s diluted share count shrank about 2.1% a year, and dividends and buybacks returned about 100% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 83 sales (58 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-10-15 (their Form 4 filings).

What it rests on

the share count over the yearstop 23% of its family
cash returned against operating cash flowtop 7% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.2/1035% of the headline grade · 2 of 3 filed, 1 estimated

Financial health

as filed

7.2/10

Is it financially healthy right now?

ROE -9%: lost 9¢ per shareholder dollar. Leverage 28%: owes 28¢ per asset dollar.

weight 33% of this tense · 72nd percentile among 98 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Riskified Ltd. lost about 9 cents for every dollar of shareholders' money, and gross profitability: its products earned about 43 cents per dollar of everything the company owns. Leverage: it owed about 28 cents per dollar of assets, and net share issuance: its share count shrank 7.9% over the year (the filed statements).

What it rests on

what it owes per dollar of assetstop 15% of its family
return on equitybottom 29% of its family
gross profit against assetstop 21% of its family
the share count against the year beforetop 5% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

3.8/10

How strong is its position in its industry?

bottom 38% of 101 in its family; net margin -8%.

weight 45% of this tense · 38th percentile among 101 sector filers · read for its customers

From the record

Riskified Ltd.'s standing among 101 graded names in its industry family: revenue of $345 million in fiscal 2025 ranks in the bottom 29% by size; a net margin of -8% ranks in the bottom 30%; revenue growth of 9.7% a year over the last 3 filed years ranks in the top 46% (its annual reports).

What it rests on

revenue against the family$345Mbottom 29% of its family
net margin-8.0%bottom 30% of its family
three-year revenue growth9.7%top 46% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

SI estimate

5.3/10

What are the people in charge doing?

SI estimate 5.3/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 73 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: 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 2026-03-18 (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 8 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 73 members with one.
What the record cannot read: 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 2026-03-18 (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 8 months and cannot see past it; a floor under five years is not read as years in charge.
How it was reasoned: family median, 73 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Riskified Ltd.'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 2026-03-18 (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 8 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 73 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

▶ Future

What are they set up to do next?

4.7/1040% of the headline grade · 3 of 3 filed

Room to expand

as filed

6.7/10

How much room does it have to grow?

top 33% of 99 in its family for room to expand.

weight 33% of this tense · 67th percentile among 99 sector filers · read for itself

From the record

Riskified Ltd.'s room to grow, from the newest filed statements (fiscal 2025): cash of $162 million against no long-term debt tagged leaves 39.5% of its assets as net cash, top 9% of its family; cash from operations less capital spending is 9.6% of revenue (bottom 47%); a gross margin of 51.7% (top 43%); research spending of 20.1% of revenue (top 25%) (its annual report).

What it rests on

cash less debt against assets39.5%top 9% of its family
cash from operations less capital spending against revenue9.6%bottom 47% of its family
gross margin51.7%top 43% of its family
research spending against revenue20.1%top 25% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

2.9/10

What could actually drive growth from here?

bottom 29% of 99 in its family for growth drivers.

weight 45% of this tense · 29th percentile among 99 sector filers · read for its customers

From the record

Riskified Ltd.'s growth drivers, from the filed years to fiscal 2025: revenue grew 9.7% a year over the last three filed years against 17.6% over all 7, slowing (bottom 33% of its family); the newest year grew 5.2% (bottom 43%); research spending grew -1.2% a year (bottom 34%); capital spending grew -49% a year (bottom 8%) (its annual reports). Riskified Ltd. 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

three-year growth against the whole span-7.9 points a yearbottom 33% of its family
the newest year's revenue growth5.2%bottom 43% of its family
three-year growth of research spending-1.2%bottom 34% of its family
three-year growth of capital spending-49.0%bottom 8% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed

5.1/10

Did its newest year beat what its own record pointed to?

top 49% of 93 in its family for expectations against reality.

weight 22% of this tense · 51st percentile among 93 sector filers · read for its shareholders

From the record

Riskified Ltd.'s newest year against its own record: revenue of $345 million in fiscal 2025 came in 6% below the $367 million its prior three years' pace pointed to (bottom 28% of its family); net income of $28 million against a prior three-year average of $66 million (top 48%); a net margin of -8% against -23.5% before (top 28%) (its annual reports).

What it rests on

revenue against the prior three years' pace-6.0%bottom 28% of its family
net income against the prior three years' average+58%top 48% of its family
net margin against its prior average+15.5 pointstop 28% of its family

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

SI Assistanton RSKD · research, not advice