REF Reformation Inc. Common Stock
NYSE · View on SEC EDGAR ↗ close Oct 2, 2026 10-K/10-Q Sep 11, 2026
$12.85
· of 52w range
· above low
· to high
$11.8552w low
$17.2652w high
Market Cap (MRQ)
$640M
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52W Range
$12–$17
Analyst Rating
·
Price Target
$19
P/E
·
ROE
·
Net Profit Margin
·
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REF Stock Snapshot Price, market cap, P/E, EPS, ROE, debt/equity, 52-week range
Price
$12.85
Market Cap (MRQ)
$640M
Debt/Equity (MRQ)
0.6
52W Range
$12–$17
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10-Year Performance Revenue, net income, margins and EPS trends
Valuation & Ratios
Valuation P/E, P/S, P/B, EV/EBITDA ratios — is the stock expensive or cheap?
| Metric | 5Y trend | REF | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| P/B (MRQ) | 1.7 | · | · | · | |
| Price / Tangible Book (MRQ) | 1.7 | · | · | · |
Peer median is calculated on a standardized basis per metric and may not always match the TTM/MRQ basis shown for this stock.
Profitability Gross, operating and net margins; ROE, ROA, ROIC
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Financial Health Debt, liquidity, solvency — balance sheet strength
| Metric | 5Y trend | REF | 5Y avg | Peer Median | Verdict |
|---|---|---|---|---|---|
| Debt / Equity (MRQ) | 0.6 | · | · | · | |
| Current Ratio (MRQ) | 1.6 | · | · | · | |
| Long-Term Debt / Equity (MRQ) | 0.6 | · | · | · |
Growth Revenue, EPS and net income growth: YoY, 3Y CAGR, 5Y CAGR
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
Capital Efficiency Asset turnover, inventory turnover, receivables turnover
No data for this ratio group yet
Not enough fundamentals data to compute this ratio group yet.
value · ≈ 5Y avg · industry median · verdict relative to median
Earnings History EPS actual vs estimate, surprise %, beat rate, next earnings date
Avg Surprise
15.3%
| Period | Report | EPS Actual | EPS Est | Surprise |
|---|---|---|---|---|
| June 30, 2026 | Sep 10, 2026 | $0.23 | $0.20 | 15.3% |
Full Fundamentals All metrics by year — income statement, balance sheet, cash flow
No annual filings for REF
We don't have SEC filings for this ticker yet.
Income Statement
| Metric | Trend | Q2 2026 |
|---|---|---|
| Revenue | $155M | |
| Cost of Revenue | $52M | |
| Gross Profit | $103M | |
| SG&A Expense | $70M | |
| Operating Expenses | $84M | |
| Operating Income | $19M | |
| Interest Income | $185.0K | |
| Other Non-op | $1M | |
| Pretax Income | $17M | |
| Income Tax | $5M | |
| Net Income | $12M | |
| EPS (Basic) | $0.25 | |
| EPS (Diluted) | $0.23 | |
| Shares (Basic) | 49,792,130 | |
| Shares (Diluted) | 52,948,297 | |
| EBITDA | $19M |
Balance Sheet
| Metric | Trend | Q2 2026 |
|---|---|---|
| Cash & Equivalents | $77M | |
| Receivables | $19M | |
| Inventory | $82M | |
| Prepaid Expense | $23M | |
| Current Assets | $211M | |
| PP&E (Net) | $89M | |
| PP&E (Gross) | $133M | |
| Accum. Depreciation | $44M | |
| Goodwill | $209M | |
| Intangibles | $977.0K | |
| Other Non-current Assets | $9M | |
| Total Assets | $1.01B | |
| Accounts Payable | $6M | |
| Accrued Liabilities | $72M | |
| Current Liabilities | $134M | |
| Capital Leases | $177M | |
| Deferred Tax | $69M | |
| Other Non-current Liabilities | $6M | |
| Total Liabilities | $628M | |
| Long-term Debt | $242M | |
| Total Debt | $242M | |
| Common Stock | $5.0K | |
| Retained Earnings | $1M | |
| AOCI | $-537.0K | |
| Stockholders' Equity | $377M | |
| Liabilities + Equity | $1.01B | |
| Shares Outstanding | 49,793,037 |
Profitability
| Metric | Trend | Q2 2026 |
|---|---|---|
| Gross Margin | 66.7% | |
| Operating Margin | 12.3% | |
| Net Margin | 8.0% | |
| Pretax Margin | 11.0% | |
| EBITDA Margin | 12.3% | |
| ROA | 2.5% | |
| ROE | 6.6% | |
| ROIC | 2.2% |
Liquidity & Solvency
| Metric | Trend | Q2 2026 |
|---|---|---|
| Current Ratio | 1.6 | |
| Quick Ratio | 0.7 | |
| Debt / Equity | 0.6 | |
| LT Debt / Equity | 0.6 |
Efficiency
| Metric | Trend | Q2 2026 |
|---|---|---|
| Asset Turnover | 0.3 | |
| Inventory Turnover | 1.3 | |
| Receivables Turnover | 16.7 |
Per Share
| Metric | Trend | Q2 2026 |
|---|---|---|
| Book Value / Share | $7.57 | |
| Revenue / Share | $2.93 | |
| Cash / Share | $1.54 | |
| Dividend / Share | $1.63 |
Most recent period on the left · null values shown as ·
Financial Statements Income statement, balance sheet, cash flow — annual, last 5 years
No data for this statement
Not enough fundamentals data to build this statement yet.
No data for this statement
Not enough fundamentals data to build this statement yet.
No data for this statement
Not enough fundamentals data to build this statement yet.
Company insiders 9 insiders · 3 officers · 7 directors
| Insider | Role | Last activity | Shares owned | Buys 12m | Sells 12m | Net 12m |
|---|---|---|---|---|---|---|
| Hali Borenstein | CEO and President | July 29, 2026 D | 1,133,332 | 0 | 0 | $0 |
| Joshua Moore | Chief Financial Officer | July 29, 2026 A | 324,781 | 0 | 0 | $0 |
| Ivan Tchakarov | Chief Operating Officer | July 31, 2026 D | 186,835 | 0 | 0 | $0 |
| Yael Aflalo | Director | Sept. 1, 2026 S | 11,665,505 | 0 | 2 | $-17,637,362 |
| John Joseph Coyle | Director | July 29, 2026 A | 66,313 | 0 | 0 | $0 |
| Zipporah Allen | Director | July 29, 2026 A | 9,333 | 0 | 0 | $0 |
| Brigitte Kleine | Director | July 29, 2026 A | 9,333 | 0 | 0 | $0 |
| Steven Clive Miller | Director | July 29, 2026 A | 19,607 | 0 | 0 | $0 |
| Stacey Rauch | Director | July 29, 2026 A | 9,333 | 0 | 0 | $0 |
Insiders from SEC Form 3/4/5 filings; net = open-market P/S only
REF Analyst Consensus Bullish and bearish analyst opinions, 12-month price target, upside
12-Month Price Target
8 analysts · 2026-10-01Mean target $19.25 +49.8%
← Below all targets
Current price $12.85
Low$16.00
Mean$19.25
High$21.00
Peer comparison (GICS sub-industry) Key metrics vs sector peers
FY basis, prices as of each company's last fiscal year-end close.
| Ticker | Market Cap | P/E | Rev YoY | Net Margin | ROE | Gross Margin |
|---|---|---|---|---|---|---|
| REF | · | · | · | · | · | · |
| AEO | $3.94B | 21.4 | 4.1% | 3.5% | 11.9% | 36.5% |
| BKE | $2.42B | 11.4 | 6.6% | 16.2% | 46.6% | 49.0% |
| RVLV | $2.15B | 35.1 | 8.5% | 5.0% | 12.6% | 53.5% |
| REAL | $1.87B | -22.5 | 15.4% | -6.0% | 11.1% | 74.6% |
| CAL | $414M | -58.2 | 1.3% | -0.24% | -1.1% | 43.0% |
| CTRN | $358M | 68.0 | 8.9% | 0.64% | 4.5% | · |
| GCO | · | 23.1 | 4.8% | · | · | · |
| JILL | $232M | 8.6 | -2.3% | 4.7% | 23.0% | 68.7% |
| SFIX | · | -44.7 | 6.4% | -0.94% | -6.2% | 43.6% |
| SHOE | · | · | · | · | · | · |
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Source: SEC 10-Q filed Sep 11, 2026