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U & I Financial (UNIF) Stock Price & Analysis

10 Followers

UNIF Stock Chart & Stats

$3.91$0.00(0.00%)
At close: 4:00 PM EST
$3.9$4$4.1Aug 28Sep 10Sep 30Oct 8Oct 23Nov 9
Day’s Range
$3.82 - $4.00
52-Week Range
$3.15 - $4.79
Previous Close
$3.91
Volume
N/A
Average Volume (3M)
90
Market Cap
$21.41M
Enterprise Value
$10.60M
Total Cash (Recent Filing)
$50.59M
Total Debt (Recent Filing)
$40.00M
Price to Earnings (P/E)
―
Beta
0.77
Next Earnings
Jan 28, 2027 (Est.)
EPS Estimate
N/A
Last Dividend Ex-Date
Sep 28, 2023
Dividend Yield
N/A

Bulls Say, Bears Say

Bulls Say

Contract-based Income Model

Lease and financing income is earned across contract terms, giving the business a contractual revenue mechanism rather than reliance solely on transaction fees. This model can support repeatable income when contracts are originated and serviced effectively, providing a durable base for financing operations.

Positive Equity Base

The company retains positive equity despite substantial losses and negative returns. That provides a continuing balance-sheet capital base for leasing and financing activities, although its usefulness is constrained by elevated leverage, contracted assets, and the need to restore profitability.

Loss Severity Improved

The sharp improvement in net margin from approximately -87% to -9% indicates that 2025 losses were materially less severe than in 2024. While the company remains unprofitable, this change may offer a base for recovery if revenue and operating performance stabilize.

Bears Say

Declining Revenue And Losses

A roughly 26% revenue decline combined with continuing negative EBIT and net margin shows that the core business has not yet regained sustainable earnings power. The swing from profits in 2020–2022 to losses in 2023–2025 also signals an unstable operating trajectory.

Negative Cash Generation

Two consecutive years of negative operating and free cash flow weaken financial resilience and reduce internally generated funding for leasing growth. Continued cash burn alongside net losses can increase reliance on funding actions or available balance-sheet liquidity to support operations.

Elevated Leverage

Debt-to-equity remains materially above its 2023 level, reducing balance-sheet flexibility while earnings and cash flow are weak. Higher leverage can constrain capital allocation and make it harder for the company to absorb further losses or fund recovery without additional financial pressure.

UNIF FAQ

What was U & I Financial’s price range in the past 12 months?
U & I Financial lowest stock price was $3.15 and its highest was $4.79 in the past 12 months.
What is U & I Financial’s market cap?
U & I Financial’s market cap is $21.41M.
When is U & I Financial’s upcoming earnings report date?
The company’s upcoming earnings report date is not yet available.
How were U & I Financial’s earnings last quarter?
U & I Financial released its earnings results on Oct 29, 2026. The company reported -$0.15 earnings per share for the quarter.
Is U & I Financial overvalued?
Not enough analysts have published a price target to calculate whether the price is overvalued.
Does U & I Financial pay dividends?
U & I Financial pays a semiannual dividend of $0.1 which represents an annual dividend yield of ―. See more information on U & I Financial dividends here
What is U & I Financial’s EPS estimate?
U & I Financial’s EPS estimate for its next earnings report is not yet available.
How many shares outstanding does U & I Financial have?
U & I Financial has 5,476,579 shares outstanding.
What happened to U & I Financial’s price movement after its last earnings report?
U & I Financial reported an EPS of -$0.15 in its last earnings report. Following the earnings report the stock price went same 0%.
Which hedge fund is a major shareholder of U & I Financial?
Currently, no hedge funds are holding shares in UNIF
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology