IOU Financial Inc.
IOU Financial Inc. Fundamental Analysis
IOU Financial Inc. (IOUFF) shows weak financial fundamentals with a PE ratio of 608.27, profit margin of 0.14%, and ROE of 0.24%. The company generates $0.0B in annual revenue with N/A year-over-year growth of N/A.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 34.4/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze IOUFF's fundamental strength across five key dimensions:
Efficiency Score
WeakIOUFF struggles to generate sufficient returns from assets.
Valuation Score
WeakIOUFF trades at a premium to fair value.
Growth Score
WeakIOUFF faces weak or negative growth trends.
Financial Health Score
ExcellentIOUFF maintains a strong and stable balance sheet.
Profitability Score
WeakIOUFF struggles to sustain strong margins.
Key Financial Metrics
Is IOUFF Expensive or Cheap?
P/E Ratio
IOUFF trades at 608.27 times earnings. This suggests a premium valuation.
PEG Ratio
When adjusting for growth, IOUFF's PEG of 4.37 indicates potential overvaluation.
Price to Book
The market values IOU Financial Inc. at 1.36 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 2.23 times EBITDA. This is generally considered low.
How Well Does IOUFF Make Money?
Net Profit Margin
For every $100 in sales, IOU Financial Inc. keeps $0.14 as profit after all expenses.
Operating Margin
Core operations generate 0.55 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $0.24 in profit for every $100 of shareholder equity.
ROA
IOU Financial Inc. generates $0.15 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
IOU Financial Inc. generates limited operating cash flow of $-183.06K, signaling weaker underlying cash strength.
Free Cash Flow
IOU Financial Inc. generates weak or negative free cash flow of $-1.50M, restricting financial flexibility.
FCF Per Share
Each share generates $-0.01 in free cash annually.
FCF Yield
IOUFF converts -5.83% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
608.27
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
4.37
vs 25 benchmark
P/B Ratio
Price to book value ratio
1.36
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.86
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.28
vs 25 benchmark
Current Ratio
Current assets to current liabilities
5.45
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.002
vs 25 benchmark
ROA
Return on assets percentage
0.002
vs 25 benchmark
ROCE
Return on capital employed
0.007
vs 25 benchmark
How IOUFF Stacks Against Its Sector Peers
| Metric | IOUFF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 608.27 | 18.66 | Worse (Expensive) |
| ROE | 0.24% | 804.00% | Weak |
| Net Margin | 0.14% | 2258.00% | Weak |
| Debt/Equity | 0.28 | 1.03 | Strong (Low Leverage) |
| Current Ratio | 5.45 | 662.03 | Strong Liquidity |
| ROA | 0.15% | -24049.00% (disorted) | Weak |
IOUFF outperforms its industry in 2 out of 6 key metrics, but lagging in P/E Ratio.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews IOU Financial Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
N/A
Industry Style: Value, Dividend, Cyclical
EPS CAGR
N/A
Industry Style: Value, Dividend, Cyclical
FCF CAGR
N/A
Industry Style: Value, Dividend, Cyclical