{
  "ticker": "MA",
  "financials": {
    "2023": {
      "Income Statement": {
        "Revenue": 191.1,
        "COGS": 148.77,
        "Gross Profit": 42.33,
        "Operating Expenses": 28.61,
        "EBITDA": 13.72,
        "EBIT": 4.17,
        "Net Income": 2.8
      },
      "Balance Sheet": {
        "Cash & Equivalents": 28.67,
        "Total Assets": 146.53,
        "Total Debt": 63.04,
        "Total Liabilities": 77.92,
        "Total Equity": 68.62
      },
      "Cash Flow": {
        "Operating Cash Flow": 12.35,
        "CapEx": 7.64,
        "Free Cash Flow": 4.71
      },
      "Ratios": {
        "Gross Margin": 0.2215,
        "EBITDA Margin": 0.0718,
        "Net Margin": 0.0146,
        "Leverage (Debt/EBITDA)": 4.59
      }
    },
    "2024": {
      "Income Statement": {
        "Revenue": 195.5,
        "COGS": 164.51,
        "Gross Profit": 30.99,
        "Operating Expenses": 17.12,
        "EBITDA": 13.87,
        "EBIT": 4.1,
        "Net Income": 2.75
      },
      "Balance Sheet": {
        "Cash & Equivalents": 29.33,
        "Total Assets": 151.75,
        "Total Debt": 77.06,
        "Total Liabilities": 93.51,
        "Total Equity": 58.24
      },
      "Cash Flow": {
        "Operating Cash Flow": 12.53,
        "CapEx": 7.82,
        "Free Cash Flow": 4.71
      },
      "Ratios": {
        "Gross Margin": 0.1585,
        "EBITDA Margin": 0.071,
        "Net Margin": 0.0141,
        "Leverage (Debt/EBITDA)": 5.55
      }
    },
    "2025": {
      "Income Statement": {
        "Revenue": 200.0,
        "COGS": 167.94,
        "Gross Profit": 32.06,
        "Operating Expenses": 13.48,
        "EBITDA": 18.58,
        "EBIT": 8.58,
        "Net Income": 5.76
      },
      "Balance Sheet": {
        "Cash & Equivalents": 30.0,
        "Total Assets": 155.19,
        "Total Debt": 103.78,
        "Total Liabilities": 120.57,
        "Total Equity": 34.62
      },
      "Cash Flow": {
        "Operating Cash Flow": 15.76,
        "CapEx": 8.0,
        "Free Cash Flow": 7.76
      },
      "Ratios": {
        "Gross Margin": 0.1603,
        "EBITDA Margin": 0.0929,
        "Net Margin": 0.0288,
        "Leverage (Debt/EBITDA)": 5.59
      }
    }
  },
  "audit_trail": {
    "model_version": "FinGPT-v4.2",
    "timestamp": "2026-02-19T03:25:07.150980",
    "data_cutoff": "2025-10-31",
    "compliance_check": "PASS",
    "auditor_id": "AUDIT-7615",
    "confidence_score": 0.8668,
    "audit_id": "86756f17-89dd-4bf6-a48a-6a60cb6dd0fb",
    "data_hash": "586c689966507452"
  }
}