Pattern Group Inc. (PTRN) Financial Ratio Screen

NASDAQ Technology United States USD 4215M
RATIOS FAIL*
Automated financial screen · activity assessed separately
Pattern Group Inc. (PTRN) is potentially non-compliant in the automated ratio model. While the debt ratio of 3.3% is acceptable, the cash and interest-bearing securities ratio of 30.5% exceeds the 30% threshold. Pattern Group Inc. operates in the Technology sector.

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MSCI new-inclusion financial-ratio snapshot

PTRN financial screening at a glance

RATIOS FAIL*Financial ratios shown separately from business review — not a fatwa
Debt ratio
3.3%
Pass vs 30%
Cash ratio
30.5%
Fail vs 30%
Receivables + cash
49.2%
Fail vs 30%
Impermissible income
0.3%
Pass vs 5%

Calculation date: 2026-08-31. Financial period used: December 2025. The ratios are automated proxies inspired by published methodologies; they are not official index determinations.

Independent method comparison

What the available screens say

How MSCI, FTSE and S&P-style screens differ
Request this stock review
MSCI-styleFinancial criteria not metAt least one available ratio exceeds its threshold
FTSE/Yasaar-styleFinancial criteria passedActivity is assessed separately
S&P-style provisionalNot yet availableRequired denominator or financial data is incomplete
Business activityAssessment pendingFinancial results do not determine business permissibility
Complete screening result: not yet completeA complete result requires both supported financial criteria and adequate activity evidence. This site does not issue a fatwa or official index decision.
Financial periodDecember 2025Calculation date2026-08-31S&P-style historynot availableLast activity reviewnot yet reviewed

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Business activity evidence

Activity assessment in progress

The supplied classification (Software - Application) is only a starting point. Revenue evidence is being assessed before any complete screening conclusion.

Revenue segments: Not yet checked against an SEC annual filing.

Profile description reviewed: Pattern Group Inc. operates as an e-commerce accelerator that combines proprietary technology and on-demand expertise to support consumer brands operating across e-commerce marketplaces in the United States and internationally. The company acquires inventory from brand partners to sell to consumers in various industries, including health and wellness; beauty and personal care; home and lifestyle; pet; sports and outdoors; and consumer electronics. The company was formerly known as Covalent Group, Inc. and changed its name to Pattern Group Inc. in November 2024. Pattern Group Inc. was incorporated in 2018 and is headquartered in Lehi, Utah.

Sources to verify: Secondary company profile and classification · Issuer website · SEC issuer filings

A sector label or company description can flag a risk but cannot establish a compliant-revenue percentage. Only sourced segment disclosures may support that calculation.

Published-ratio reproductions (not certifications)

The table shows implemented MSCI and FTSE/Yasaar-style asset-based models plus a provisional S&P-style leverage reconstruction where a complete 36-month denominator exists. These are independent calculations, not official index results or Shariah determinations. See formulas, sources and limitations.

Based on financial data from December 2025

Standard Debt Ratio Cash Ratio Receivables Income Status
MSCI 3.3%
/ 30%
30.5%
/ 30%
49.2%
/ 30%
0.31%
/ 5%
RATIOS FAIL*
FTSE 3.3%
/ 33%
30.5%
/ 33%
49.2%
/ 50%
0.31%
/ 5%
FINANCIAL SCREEN PASSED*

Financial Highlights

EPS
$-1.23
P/B Ratio
5.8
EV/EBITDA
57.0
EV: $3.5B
Revenue
$2.5B
Growth: 46.6%
Current Ratio
2.4

Profitability

Gross Margin 43.9%
Operating Margin 4.1%
Net Margin 0.9%
Return on Equity (ROE) 4.9%
Return on Assets (ROA) 2.9%

Cash Flow & Balance Sheet

Operating Cash Flow$99M
Free Cash Flow$79M
Total Debt$31M
Debt-to-Equity7.9
Current Ratio2.4
Total Assets$948M

Price & Trading

Last Close$21.88
50-Day MA$23.91
200-Day MA$16.51
Avg Volume2.1M
52-Week Range
$8.92
$29.80

Financial data provenance and verification

The displayed fields were imported from yfinance on 2026-08-31 for the financial period December 2025. This is a secondary data feed and can differ from amended or newly filed statements.

Verification rule: check debt, cash, receivables, revenue and interest income against the latest primary filing before relying on an automated ratio.

About Pattern Group Inc. (PTRN)

CEO
Mr. David Wright
Employees
2,300
Sector
Technology
Industry
Software - Application
Country
United States
Exchange
NASDAQ
Market Cap (listing currency)
USD 4215M
Currency
USD

Pattern Group Inc. operates as an e-commerce accelerator that combines proprietary technology and on-demand expertise to support consumer brands operating across e-commerce marketplaces in the United States and internationally. The company acquires inventory from brand partners to sell to consumers in various industries, including health and wellness; beauty and personal care; home and lifestyle; pet; sports and outdoors; and consumer electronics. The company was formerly known as Covalent Group, Inc. and changed its name to Pattern Group Inc. in November 2024. Pattern Group Inc. was incorporated in 2018 and is headquartered in Lehi, Utah.

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Frequently Asked Questions

Is Pattern Group Inc. (PTRN) halal to invest in?

The current automated result is Financial criteria not met or an activity exclusion was detected. It uses available public financial fields and simplified methodology proxies. It is not a fatwa or an official determination by AAOIFI, DJIM, MSCI, S&P, or FTSE.

What is Pattern Group Inc.'s debt ratio?

Pattern Group Inc.'s debt ratio is 3.3% in the MSCI new-inclusion reproduction: total debt divided by total assets, against a 30% threshold. See the methodology page for the official source and limitations.

What are Pattern Group Inc.'s key financial metrics?

Pattern Group Inc. has a market capitalization of USD 4215M in its listing currency, and revenue of $2.5B. The company maintains a gross margin of 43.9% and a net margin of 0.9%. Return on equity stands at 4.9%.

How often is the screening data updated?

Calculation date: 2026-08-31. Financial period: December 2025. These dates are shown separately because regenerating this page does not refresh the underlying data.

Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.