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Total Valuation
U & I Financial has a market cap or net worth of $22.45M. The enterprise value is $10.72.
Market Cap$22.45M
Enterprise Value$10.72
Share Statistics
U & I Financial has 5,221,566 shares outstanding. The number of shares has decreased by -2.65% in one year.
Shares Outstanding5,221,566
Owned by Insiders―
Owned by Institutions―
Financial Efficiency
U & I Financial’s return on equity (ROE) is -0.07 and return on invested capital (ROIC) is -1.97%.
Return on Equity (ROE)-0.07
Return on Assets (ROA)>-0.01
Return on Invested Capital (ROIC)-1.97%
Return on Capital Employed (ROCE)-0.03
Revenue Per Employee487.32K
Profits Per Employee-43.20K
Employee Count50
Asset Turnover0.06
Inventory Turnover0.00
Valuation Ratios
The current PE Ratio of U & I Financial is ―. U & I Financial’s PEG ratio is 0.11.
PE Ratio―
PS Ratio0.87
PB Ratio0.74
Price to Fair Value0.74
Price to FCF-12.96
Price to Operating Cash Flow0.00
PEG Ratio0.11
Income Statement
In the last 12 months, U & I Financial had revenue of 24.37M and earned -2.16M in profits. Earnings per share was -0.39.
Revenue24.37M
Gross Profit12.73M
Operating Income-1.78M
Pretax Income-1.78M
Net Income-2.16M
EBITDA-1.78M
Earnings Per Share (EPS)-0.39
Cash Flow
In the last 12 months, operating cash flow was 0.00 and capital expenditures 0.00, giving a free cash flow of 0.00 billion.
Operating Cash Flow0.00
Free Cash Flow0.00
Free Cash Flow per Share0.00
Dividends & Yields
U & I Financial pays an annual dividend of $0.1, resulting in a dividend yield of ―
Dividend Per Share$0.1
Dividend Yield―
Payout Ratio―
Free Cash Flow Yield―
Earnings Yield―
Stock Price Statistics
Beta0.53
52-Week Price Change24.82%
50-Day Moving Average4.03
200-Day Moving Average3.96
Relative Strength Index (RSI)70.17
Average Volume (3m)420.00
Important Dates
U & I Financial upcoming earnings date is Nov 4, 2026, TBA (Confirmed).
Last Earnings DateJul 30, 2026
Next Earnings DateNov 4, 2026
Ex-Dividend Date―
Financial Position
U & I Financial as a current ratio of 0.18, with Debt / Equity ratio of 140.59%
Current Ratio0.18
Quick Ratio0.18
Debt to Market Cap1.90
Net Debt to EBITDA10.83
Interest Coverage Ratio-0.13
Taxes
In the past 12 months, U & I Financial has paid 380.00K in taxes.
Income Tax380.00K
Effective Tax Rate-0.21
Enterprise Valuation
U & I Financial EV to EBITDA ratio is -1.11, with an EV/FCF ratio of -1.21.
EV to Sales0.08
EV to EBITDA-1.11
EV to Free Cash Flow-1.21
EV to Operating Cash Flow-1.25
Balance Sheet
U & I Financial has $51.68M in cash and marketable securities with $40.00M in debt, giving a net cash position of $11.68M billion.
Cash & Marketable Securities$51.68M
Total Debt$40.00M
Net Cash$11.68M
Net Cash Per Share$2.24
Tangible Book Value Per Share$5.28
Margins
Gross margin is 66.69%, with operating margin of -7.31%, and net profit margin of -8.86%.
Gross Margin66.69%
Operating Margin-7.31%
Pretax Margin-7.31%
Net Profit Margin-8.86%
EBITDA Margin-7.31%
EBIT Margin-7.31%
Analyst Forecast
The average price target for U & I Financial is ―, which is 11.43% higher than the current price. The consensus rating is ―
Price Target―
Price Target Upside―
Analyst Consensus―
Analyst Count0
Revenue Growth Forecast-21.16%
EPS Growth Forecast95.69%