PLAID,Inc. risk profile
25 Normal where most of the sector sits
Measured 21 October 2026 from 4165.T's filed statements. Recomputed nightly.
25 (Normal), driven by Market expectation at 64, over 5 weighted categories on the SOFTWARE profile.
What is measured
| Mechanism | Reading | Band | Direction | Driver |
|---|---|---|---|---|
| Market expectation | 64 | Stretched | Volatile | One-year price volatility — 58.3% |
| Operating pressure | 4 | Contained | Worsening | Costs outgrowing revenue — -10.4 percentage points |
| Cash conversion | 29 | Normal | Worsening | Cash conversion — 1.25x |
| Leverage and coverage | 6 | Contained | Easing | Current ratio — 2.30x |
| Competitive position | 24 | Normal | Stable | Operating-margin gap against peers — +5.4 percentage points |
| Concentration | Reads identified supplier spend, customers above the 10% disclosure threshold and revenue by region. No reading is stored for this company. | |||
These are descriptive readings of disclosed mechanisms, not investment advice, and not a prediction. A band says where a measured input sits, never what to do about it or what happens next.