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Coffee Holding cash flow, quarter by quarter

Latest: Q3 FY26 · from the cash-flow statements filed with the SEC

Free cash flow$1.1M in Q3 FY26 · $8.0M over twelve months

Operating cash flow$1.1M
Capital spending−$54K
Free cash flow+$1.1M
Cash / net income0.6×
Cash conversion cycle120 days

Analysis

In Q3 FY26, Coffee Holding generated $1.1M of operating cash flow and spent $54K on capital projects, leaving free cash flow of $1.1M. That is $5.0M more than in Q3 FY25 (−$3.9M).

Over the twelve months to Jul 31, 2026, operating cash flow was $8.2M; the largest uses were net borrowing (+) / repaid (−) ($6.0M), other investing ($1.5M), capital spending ($195K); besides operations, cash came from other financing ($1.4M); the cash balance rose by $1.9M.

Operating cash flow was $1.1M against net income of $2.0M — 0.6× profit, less cash than reported earnings, worth checking against working capital. The largest differences: receivables −$1.2M, payables +$510K, prepaid and other assets −$339K.

Its cash conversion cycle was 120 days (receivables 36 + inventory 110 − payables 26).

Free cash flow

Coffee Holding: free cash flow by quarterCoffee Holding: free cash flow by quarter$186KQ4 FY24−$420KQ1 FY25−$1.2MQ2 FY25−$3.9MQ3 FY25$265KQ4 FY25$6.6MQ1 FY26$44KQ2 FY26$1.1MQ3 FY26
Operating cash flow less capital spending.
Coffee Holding: operating cash flow against capital spendingCoffee Holding: operating cash flow against capital spendingOperating cash flowCapital spending$222K$36KQ4 FY24−$402K$18KQ1 FY25−$1.2M$15KQ2 FY25−$3.8M$46KQ3 FY25$378K$112KQ4 FY25$6.6M$33KQ1 FY26$40K−$5KQ2 FY26$1.1M$54KQ3 FY26
Latest (Q3 FY26): Operating cash flow $1.1M, Capital spending $54K.

Capital allocation, year by year

Coffee Holding: where the cash came from (up) and went (down), by fiscal yearCoffee Holding: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingCapital spendingDividendsFY21: Operating cash flow $4.7MFY21: Net borrowing −$1KFY21: Capital spending −$1.5M$4.7MFY21FY22: Operating cash flow −$5.4MFY22: Net borrowing $6.4MFY22: Capital spending −$1.1MFY22: Dividends −$399K$6.4MFY22FY23: Operating cash flow $652KFY23: Net borrowing $1.3MFY23: Capital spending −$858K$2.0MFY23FY24: Operating cash flow $5.4MFY24: Net borrowing −$9.6MFY24: Capital spending −$307K$5.4MFY24FY25: Operating cash flow −$5.0MFY25: Net borrowing $6.0MFY25: Capital spending −$192K$6.0MFY25
Over these 5 years operating cash flow totalled $336K; the largest uses were operating cash flow ($10.5M) and net borrowing ($9.6M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$2.9M
Debtnone
Net cash$2.9M

Coffee Holding funds itself: free cash flow was $8.0M over the last twelve months, with $2.9M of cash and investments and no debt on the balance sheet.

Where the cash came from and went

Coffee Holding: sources (+) and uses (−) of cash, Q3 FY26Coffee Holding: sources (+) and uses (−) of cash, Q3 FY26Operating cash flow$1.1MCash drawn (+) / kept (−)−$593KNet borrowing (+) / repaid (−)−$500KCapital spending−$54K
Coffee Holding: sources (+) and uses (−) of cash, TTM to Q3 FY26Coffee Holding: sources (+) and uses (−) of cash, TTM to Q3 FY26Operating cash flow$8.2MNet borrowing (+) / repaid (−)−$6.0MCash drawn (+) / kept (−)−$1.9MOther investing−$1.5MOther financing$1.4MCapital spending−$195K

From profit to cash

Coffee Holding: net income to operating cash flow, Q3 FY26Coffee Holding: net income to operating cash flow, Q3 FY26Net income$2.0MDepreciation & amortization$221KDeferred taxes−$7KReceivables−$1.2MInventory$64KPayables$510KPrepaid and other assets−$339KOperating cash flow$1.1M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.
QuarterReceivable daysInventory daysPayable daysCash conversion cycle
Q3 FY263611026120
Q2 FY26359226101
Q1 FY26399329104
Q3 FY2539832893
Q2 FY2542732491
Q1 FY25469133103

Every quarter

QuarterOperating cash flowCapital spendingNet borrowing (+) / repaid (−)Cash drawn (+) / kept (−)Free cash flow
Q3 FY26$1.1M−$54K−$500K−$593K$1.1M
Q2 FY26$40K$5K—$424K$44K
Q1 FY26$6.6M−$33K−$3.4M−$2.0M$6.6M
Q4 FY25$378K−$112K−$200K$278K$265K
Q3 FY25−$3.8M−$46K$3.2M$852K−$3.9M
Q2 FY25−$1.2M−$15K$800K$529K−$1.2M
Q1 FY25−$402K−$18K$2.2M−$980K−$420K
Q4 FY24$222K−$36K−$1.9M$1.7M$186K

Coffee Holding: income statement and cash flow

Coffee Holding, Q3 FY26: revenue $21.7M (-9% year over year), operating margin 10.7%. The chart follows the revenue to costs, profit and cash.

Coffee Holding: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.