Framework Journal · one stock, one dated entry

Recorded 2025-12-31 · Permanent

A2Z Cust2Mate Solutions Corp AZ

Outside both standards

An entry written while the outcome is still unknown. It will be scored by what the market does next, and it will never be edited to look cleverer than it was.

In plain words · A2Z Cust2Mate Solutions Corp., a technology company, focuses on the development and commercialization of retail smart cart solutions for grocery stores and supermarkets in Israel and internationally.

The label
Distribution

read at $5.51

A2Z Cust2Mate Solutions Corp holds its Distribution at $5.51.

PHINPOOPSC
  • PHPhase · the trend structure carries the Distribution label
  • INInsiders · no filings inside 60 days, left as found
  • POPositioning · no disclosures inside 60 days, left as found
  • OPOptions · no verdict drawn today, left as found
  • SCScreen · does not pass the values gate
  • edge confirmed
  • edge broken
  • edge forming

Each arm is one independent read. Conviction is not a single call, it is how many edges converge.

The investor read · the season, not the day

As held on the ledger · 2025-12-31
PhaseDistribution · caution
Quantitative stateThe statistical read favours the sellers, held for 9 days
Price$5.51
ValuationN/A trailing · 10.80 forward price to earnings
Values screenFAIL · score 70.0
Beta1.29

The opportunity · what the numbers say it is worth

Read at
$5.51
N/A P/E · 10.80 fwd
Our fair value
$10.87
97% discount
Analyst target (avg)
$22.50
+308% to current
Target low $15.00Analyst target rangeTarget high $30.00
▲ current $5.51 · | average target

Price history & projections · where it has been, where the models see it going

$32.3$15.5$-1.4TODAY5y agoPROJECTIONAnalyst high$30.00 +407%Analyst avg$22.50 +280%Our fair value$10.87 +84%Conservative$9.95 +68%

The valuation journey · where the price sits against fair value and the Street

Current
$5.51
you are here
Conservative
$9.95
+81%
Analyst avg
$22.50
+308%
Our fair value
$10.87
+97%
Analyst high
$30.00
+444%

Green marks levels above today's price, red below; the shaded band is the gap between the price and our fair value.

Reading the gap · Both our model and the analysts see meaningful upside from here.

Revenue growth114.40%
Profit margin0.00%
Debt to equity3.52
Analyst consensusNone · 2 covering

Fair value and rating are our own model estimates; target range reflects third-party analyst estimates. Analysis, not advice.

The values screen, explained · five checks, plain English

This company is excluded by both standards. There are two widely recognised ways to check whether a company is suitable for a Muslim investor. It fails on both:

The common standard · AAOIFI
Used by most halal investing apps
✗ DOES NOT PASS
Our stricter standard · asset-based
The one Titan applies
✗ DOES NOT PASS

Why it fails. The problem is its interest-bearing securities. Because both standards agree on this, it is a clear exclusion, not a borderline case.

What these two standards are, and how they differ →

  • Business activity Its core business isn't built on prohibited lines — no gambling, alcohol, tobacco, weapons, or interest-based lending. Pass
  • Debt load Interest-bearing debt is just 3.1% of its assets, well under the one-third ceiling — it does not run on borrowed money. Pass
  • Interest-bearing cash Interest-bearing cash and securities are 65.8% of assets, above the one-third limit. Fail
  • Receivables Money owed to the company is 19.4% of assets, under the 49% limit. Pass
  • Revenue purity 5.2% of revenue comes from non-compliant sources, over the 5% line. Fail

Every security is read against two recognised standards: our stricter asset-based screen (ratios measured against total assets) and the more widely used market-value standard (measured against market capitalisation). Where they agree we say so plainly; where they part ways — almost always on the debt check — we show both readings and mark it, because that disagreement is the finding, not a fault. We report the score; you and your scholar make the call.

The business, in plain words · what the numbers mean

The fundamentals · plain-English read
Forward P/E10.8x
cheap for a company growing this fast
Revenue growth114.4%
growing very fast
Profit margin0.0%
currently unprofitable
Return on equity-77.2%
not currently earning a positive return on equity
Debt to equity3.52
heavy leverage — higher risk if revenue softens
Current ratio10.57
comfortably covers its short-term bills
Beta1.29
moves a little more than the market
Market cap$245M

The risks · The things to watch: it's a small-cap, so the share price can swing harder than the market; its business and earnings are exposed to Canada and to currency swings; it carries a real debt load, which raises the stakes if revenue slips.

Plain-English interpretation of our own screen data. Analysis, not advice.

Related securities · others in AZ's space worth a look

Screened names in the same industry · explore each on its own page.

The trader read · the latest dated commentary

The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 9.2% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is momentum reading neutral. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 47%. The street (2 analysts) rates it strong buy, with a mean price target of $22. Entered 2026-07-22 · Distribution

The dated journal · newest first, never edited

2026-07-22 Distribution $5.51 -9.2% Entry 4

The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 9.2% since our last review. Ethical screening: PASS with passing ethical screen. The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is momentum reading neutral. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 47%. The street (2 analysts) rates it strong buy, with a mean price target of $22.

2026-07-18 Distribution $6.07 +0.0% Entry 3

The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows excellent risk-adjusted returns. Our composite framework grades it B. Technically it is momentum reading neutral. Over the past year the shares are down 36%. Our forward projection puts the odds of a 10% gain over the next month near 47%. The street (2 analysts) rates it strong buy, with a mean price target of $22.

2026-07-03 Distribution $6.07 +0.0% Entry 2

The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Price has moved down 0.0% since our last review. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows excellent risk-adjusted returns.

2026-07-02 Distribution $6.07 Entry 1

The framework reads distribution. Smart money appears to be selling into strength. Institutional holders may be rotating out. Ethical screening: PASS with passing ethical screen (70). The risk-adjusted return profile shows excellent risk-adjusted returns.

Each entry above was written on its date, before the outcome. A journal you can prune is not a journal.

The political ledger · congressional disclosures

Disclosures naming AZ
DatePoliticianPartyTypeAmount
7 Feb2025 Tim Walberg Republican buy 1K–15K
5 Jun2026 David Taylor Republican sell 1K–15K
2025-01-20 Ted Cruz buy 25000
2025-01-16 Nancy Pelosi buy 250000
2025-01-05 Lisa McClain buy 20000

What holding actually paid · price plus dividends

If $1,000 had been placed · historical, not a promise
PeriodPrice thenPrice returnDivs per share$1,000 becameTotal return
1 month $7.39 -19.9% · $801 -19.9%
2 months $7.96 -25.6% · $744 -25.6%
3 months $5.12 +15.6% · $1,156 +15.6%
6 months $5.74 +3.1% · $1,031 +3.1%
1 year $9.27 -36.1% · $639 -36.1%
2 years $0.94 +531.5% · $6,315 +531.5%
3 years $6.00 -1.3% · $987 -1.3%
5 years $27.27 -78.3% · $217 -78.3%

Historical returns from market close data. Past performance does not guarantee future results.

This entry now belongs to the ledger. Whatever AZ does next, these words stay.

A2Z Cust2Mate Solutions Corp · AZ · Distribution · $5.51
Recorded 2025-12-31 · before the outcome · scored mechanically

Get our weekly market brief free.