ROOF10X AI Corp — CFO Dashboard
Financial Intelligence System · FY2026 Budget · Accrual Basis · %-of-Completion
Revenue
$18.6M
▲ 50% YoY
Gross Margin
44.5%
▲ +3.4pp
EBITDA
$4.43M
▲ 23.8%
Net Income
$3.10M
▲ 16.6%
Cash
$2.10M
▲ +68%
HIGH3 subcontractors may be misclassified as 1099 — IRS penalty exposure$85,000
HIGHCREW-G material waste factor at 13% (avg 6%) — investigate theft$38,000
WATCHLiberty Mutual avg claim cycle 72 days — slowest carrier$320,400
Revenue Growth Trajectory3-YEAR
| Metric | 2024 | 2025 | 2026 | Trend |
|---|---|---|---|---|
| Total Revenue | $8,500,000 | $12,400,000 | $18,600,000 | |
| Gross Profit | $3,317,300 | $5,095,280 | $8,278,960 | |
| EBITDA | $1,298,300 | $2,307,280 | $4,428,960 | |
| Net Income | $833,850 | $1,557,960 | $3,095,220 | |
| Gross Margin % | 39.0% | 41.1% | 44.5% | ▲ |
| EBITDA Margin % | 15.3% | 18.6% | 23.8% | ▲ |
| Net Margin % | 9.8% | 12.6% | 16.6% | ▲ |
Revenue Mix2026
$18.6M
Revenue
Residential 38%
Commercial 25%
Insurance 22%
Solar 10%
Service 5%
Operational KPIs
Crews
11
Target: 12
Sq/Day/Crew
12.5
Target: 14
Warranty
1.8%
<2% PASS
DSO
38d
-7d vs '25
LTV:CAC
6.7:1
Excellent
Equip Util
82%
>80% PASS
Valuation Snapshot
Normalized EBITDA2026
$4.85M
$4.43M + $417K add-backs
EV RangeEV/EBITDA
| Low (5x) | $24.3M |
| Mid (6.5x) | $31.5M |
| High (8x) | $38.8M |
Tax SavingsIRS-COMPLIANT
$478K+
15 strategies · §179 + S-Corp + QBI
Income Statement & Financial Statements
Accrual Basis · Percentage-of-Completion · USD
Consolidated P&L3-YEAR
| Line Item | 2024 | 2025 | 2026 | %Rev |
|---|---|---|---|---|
| REVENUE | ||||
| Residential Roofing | $3,825,000 | $5,208,000 | $7,068,000 | 38.0% |
| Commercial Roofing | $1,700,000 | $2,728,000 | $4,650,000 | 25.0% |
| Insurance Restoration | $2,125,000 | $2,976,000 | $4,092,000 | 22.0% |
| Solar Installation | $425,000 | $868,000 | $1,860,000 | 10.0% |
| Service & Repair | $425,000 | $620,000 | $930,000 | 5.0% |
| TOTAL REVENUE | $8,500,000 | $12,400,000 | $18,600,000 | 100% |
| COST OF GOODS SOLD | ||||
| Materials | $2,142,000 | $3,009,600 | $4,283,000 | 23.0% |
| Direct Labor + Burden | $1,723,200 | $2,373,120 | $3,341,040 | 18.0% |
| Subcontractors | $680,000 | $992,000 | $1,302,000 | 7.0% |
| Equip + Waste + Permits | $637,500 | $930,000 | $1,395,000 | 7.5% |
| TOTAL COGS | $5,182,700 | $7,304,720 | $10,321,040 | 55.5% |
| GROSS PROFIT | $3,317,300 | $5,095,280 | $8,278,960 | 44.5% |
| OPERATING EXPENSES | ||||
| Salaries & Comp | $905,000 | $1,240,000 | $1,710,000 | 9.2% |
| Marketing & Leads | $360,000 | $540,000 | $810,000 | 4.4% |
| Insurance + Rent + Fleet | $513,500 | $670,000 | $883,000 | 4.7% |
| D&A + Software + Prof Fees | $420,500 | $578,000 | $767,000 | 4.1% |
| TOTAL OPEX | $2,199,000 | $3,028,000 | $4,170,000 | 22.4% |
| EBITDA | $1,298,300 | $2,307,280 | $4,428,960 | 23.8% |
| NET INCOME | $833,850 | $1,557,960 | $3,095,220 | 16.6% |
Balance Sheet Ratios
| Current Ratio | 1.93x |
| Quick Ratio | 1.42x |
| Debt-to-Equity | 0.84x |
| Working Capital | $1,203,500 |
Cash Flow Summary
| Operating CF | $1,248,000 |
| Investing CF | ($478,000) |
| Financing CF | ($269,000) |
| Free Cash Flow | $770,000 |
Cash Conversion Cycle
| DSO | 38 days |
| DIO | 8 days |
| DPO | 32 days |
| CCC | 14 days |
Operations & Job Intelligence
Crew Profitability · Insurance Claims · AR/AP Aging
Crew Profitability — YTD 20268 CREWS
| Crew | Foreman | Revenue | Cost | GP | GP% | Sq/D | Perf |
|---|---|---|---|---|---|---|---|
| CREW-A | Carlos Mendez | $1,420,000 | $824,000 | $596,000 | 42.0% | 14.2 | |
| CREW-E | Ryan O'Brien | $1,350,000 | $790,000 | $560,000 | 41.5% | 13.8 | |
| CREW-B | Jake Thompson | $1,280,000 | $766,000 | $514,000 | 40.2% | 12.8 | |
| CREW-C | Miguel Santos | $1,180,000 | $688,000 | $492,000 | 41.7% | 13.5 | |
| CREW-F | Antonio Rivera | $1,150,000 | $698,000 | $452,000 | 39.3% | 12.1 | |
| CREW-H | Marcus Johnson | $1,080,000 | $652,000 | $428,000 | 39.6% | 11.9 | |
| CREW-D | Derek Williams | $980,000 | $612,000 | $368,000 | 37.6% | 11.2 | |
| CREW-G | Brandon Lee | $920,000 | $576,000 | $344,000 | 37.4% | 10.5 |
Insurance Carrier Performance9 CARRIERS
| Carrier | Claims | Revenue | Suppl% | Cycle | Appr% | GP% | Score |
|---|---|---|---|---|---|---|---|
| USAA | 28 | $627,200 | 78% | 42d | 92% | 42.0% | A+ |
| State Farm | 42 | $831,600 | 72% | 48d | 88% | 40.0% | A |
| Erie | 8 | $172,000 | 75% | 45d | 90% | 42.3% | A |
| Farmers | 15 | $288,000 | 70% | 55d | 86% | 40.0% | B+ |
| Allstate | 35 | $647,500 | 65% | 62d | 82% | 38.1% | B+ |
| Travelers | 22 | $442,200 | 68% | 58d | 84% | 38.0% | B |
| Nationwide | 12 | $226,800 | 64% | 65d | 80% | 37.0% | B- |
| Liberty Mutual | 18 | $320,400 | 61% | 72d | 78% | 35.0% | C+ |
| Other | 20 | $350,000 | 58% | 78d | 72% | 34.0% | C |
AR Aging SummaryDSO: 38 DAYS
Current
64%
31-60d
21%
61-90d
10%
91-120d
3%
>120d
2%
Tax Optimization & IRS Audit Analysis
IRC-Referenced Strategies · Audit Risk · Fraud Detection
Tax Optimization — 2026$478K+ SAVED
| Strategy | IRC | Eligible | Benefit | Status |
|---|---|---|---|---|
| Section 179 — Trucks | §179 | $280,000 | $103,600 | CLAIMED |
| Section 179 — Equip+SW | §179 | $137,000 | $50,690 | CLAIMED |
| MACRS Fleet | §168 | $185,000 | $68,450 | AUTO |
| S-Corp Salary Opt | §3121 | $175,000 | $26,775 | ACTIVE |
| QBI Deduction | §199A | $600,000 | $44,400 | AUTO |
| Per Diem — Crews | Rev Proc | $171,600 | $63,492 | ACTIVE |
| Mileage — Fleet | §274 | $126,000 | $46,620 | TRACKED |
| Retirement SEP-IRA | §408 | $69,000 | $25,530 | CONTRIB |
| Health Insurance | §162(l) | $24,000 | $8,880 | CLAIMED |
| R&D Credit | §41 | $45,000 | $2,925 | PENDING |
| Bonus Depreciation | §168(k) | $75,000 | $5,550 | PENDING |
| Fuel Tax Credit | §34 | $8,500 | $8,500 | FILED |
IRS Audit Triggers — 26 Red FlagsELEVATED
| # | Trigger | Status | Risk | Score | Fix |
|---|---|---|---|---|---|
| 4 | Worker misclassification | 3 subs fail test | HIGH | 8 | Reclassify now |
| 11 | Related-party txns | LLC $11K/mo | ELEV | 7 | FMV appraisal |
| 1 | Revenue >$10M | $18.6M | ELEV | 6 | Document all |
| 8 | Vehicle deductions | $406K | ELEV | 6 | GPS + logs |
| 9 | Per diem to crews | $171K | ELEV | 6 | Doc >50mi |
| 26 | R&D credit claim | $45K pending | ELEV | 6 | Qualified firm |
| 2 | Deduction ratio | 68% gross | MED | 5 | Substantiate |
| 5 | S-Corp comp | $225K/$400K+ | MED | 5 | Doc comps |
| 6 | Large §179 | $417K | MED | 5 | Purchase docs |
| 12 | Revenue growth | 50% YoY | MED | 5 | Rev rec policy |
Fraud Detection$223K AT RISK
| 1099 misclassification | $85,000 |
| CREW-G waste 13% | $38,000 |
| Weekend deliveries | $4,800 |
| Duplicate invoices | $3,400 |
| Estimator #3 drift | $45,000 |
| OT abuse CREW-D | $28,000 |
| ABC Supply +8% | $12,000 |
Audit Risk Score
103
out of 260 · ELEVATED
LOWELEVATEDHIGHCRITICAL
Valuation & 5-Year Projections
DCF + Comps + Scenario Analysis · Acquisition Readiness
5-Year ProjectionsBASE CASE
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 | CAGR |
|---|---|---|---|---|---|---|
| Revenue | $18.6M | $25.1M | $31.4M | $37.7M | $43.3M | 23.5% |
| Growth | 50% | 35% | 25% | 20% | 15% | |
| EBITDA | $4.43M | $5.52M | $7.54M | $9.81M | $12.13M | 28.7% |
| EBITDA % | 23.8% | 22.0% | 24.0% | 26.0% | 28.0% | |
| Net Income | $3.10M | $3.86M | $5.32M | $6.97M | $8.70M | 29.5% |
| Headcount | 65 | 82 | 98 | 112 | 125 | |
| Rev/Emp | $286K | $306K | $320K | $336K | $347K |
Scenario — 2027 EV@ 6.5x
| Bear | Base | Bull | |
|---|---|---|---|
| Growth | 20% | 35% | 50% |
| EBITDA % | 18% | 22% | 26% |
| Revenue | $22.3M | $25.1M | $27.9M |
| EBITDA | $4.02M | $5.52M | $7.25M |
| EV @ 6.5x | $26.1M | $35.9M | $47.2M |
Public CompsCOMPS
| Company | EV/EBITDA | EV/Rev |
|---|---|---|
| Owens Corning | 8.5x | 2.2x |
| Beacon Roofing | 7.8x | 0.8x |
| Installed Building | 9.2x | 1.4x |
| Carlisle | 10.1x | 3.1x |
| Median | 8.85x | 1.8x |
Acquisition Readiness36 / 50
Clean Financials
7/10
Owner Independence
6/10
CRM Data
8/10
Rev Diversity
8/10
Backlog Docs
7/10