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U & I Financial Corp. (UNIF)
OTHER OTC:UNIF
US Market
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U & I Financial (UNIF) Stock Statistics & Valuation Metrics

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Total Valuation

U & I Financial has a market cap or net worth of $20.52M. The enterprise value is -$5.87M.
Market Cap$20.52M
Enterprise Value-$5.87M

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

Beta0.54
52-Week Price Change30.13%
50-Day Moving Average4.13
200-Day Moving Average3.92
Relative Strength Index (RSI)49.19
Average Volume (3m)420.00

Important Dates

U & I Financial upcoming earnings date is Jul 23, 2026, TBA (Confirmed).
Last Earnings DateApr 28, 2026
Next Earnings DateJul 23, 2026
Ex-Dividend Date

Financial Position

U & I Financial as a current ratio of 0.18, with Debt / Equity ratio of 140.62%
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 $22.56M in cash and marketable securities with $29.00M in debt, giving a net cash position of -$6.44M billion.
Cash & Marketable Securities$22.56M
Total Debt$29.00M
Net Cash-$6.44M
Net Cash Per Share-$1.23
Tangible Book Value Per Share$5.28

Margins

Gross margin is 71.21%, with operating margin of -7.31%, and net profit margin of -8.86%.
Gross Margin71.21%
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-28.61%
EPS Growth Forecast99.26%

Scores

Smart ScoreN/A
AI Score