User Local, Inc.
User Local, Inc. Fundamental Analysis
User Local, Inc. (3984.T) shows strong financial fundamentals with a PE ratio of 14.75, profit margin of 33.23%, and ROE of 18.76%. The company generates $5.0B in annual revenue with strong year-over-year growth of 17.26%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 81.0/100 based on profitability, valuation, growth, and balance sheet metrics. The B+ grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze 3984.T's fundamental strength across five key dimensions:
Efficiency Score
Excellent3984.T demonstrates superior asset utilization.
Valuation Score
Excellent3984.T trades at attractive valuation levels.
Growth Score
Excellent3984.T delivers strong and consistent growth momentum.
Financial Health Score
Excellent3984.T maintains a strong and stable balance sheet.
Profitability Score
Moderate3984.T maintains healthy but balanced margins.
Key Financial Metrics
Is 3984.T Expensive or Cheap?
P/E Ratio
3984.T trades at 14.75 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, 3984.T's PEG of 1.55 indicates fair valuation.
Price to Book
The market values User Local, Inc. at 2.60 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 14.90 times EBITDA. This signals the market has high growth expectations.
How Well Does 3984.T Make Money?
Net Profit Margin
For every $100 in sales, User Local, Inc. keeps $33.23 as profit after all expenses.
Operating Margin
Core operations generate 43.96 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $18.76 in profit for every $100 of shareholder equity.
ROA
User Local, Inc. generates $15.49 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
User Local, Inc. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
User Local, Inc. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
3984.T converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
14.75
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
1.55
vs 25 benchmark
P/B Ratio
Price to book value ratio
2.60
vs 25 benchmark
P/S Ratio
Price to sales ratio
4.91
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.00
vs 25 benchmark
Current Ratio
Current assets to current liabilities
7.69
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.19
vs 25 benchmark
ROA
Return on assets percentage
0.15
vs 25 benchmark
ROCE
Return on capital employed
0.23
vs 25 benchmark
How 3984.T Stacks Against Its Sector Peers
| Metric | 3984.T Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 14.75 | 34.43 | Better (Cheaper) |
| ROE | 18.76% | 1135.00% | Weak |
| Net Margin | 33.23% | -134663.00% (disorted) | Strong |
| Debt/Equity | 0.00 | 7.92 | Strong (Low Leverage) |
| Current Ratio | 7.69 | 5.77 | Strong Liquidity |
| ROA | 15.49% | -310462.00% (disorted) | Strong |
3984.T outperforms its industry in 5 out of 6 key metrics, particularly excelling in Net Margin, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews User Local, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
160.09%
Industry Style: Growth, Innovation, High Beta
High GrowthEPS CAGR
222.25%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
175.03%
Industry Style: Growth, Innovation, High Beta
High Growth