Union Financial Corporation
Union Financial Corporation Fundamental Analysis
Union Financial Corporation (UFCP) shows moderate financial fundamentals with a PE ratio of 8.13, profit margin of 6.94%, and ROE of 49.70%. 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 59.7/100 based on profitability, valuation, growth, and balance sheet metrics. The C grade reflects average fundamentals, with notable risks in certain areas.
Fundamental Health Score
We analyze UFCP's fundamental strength across five key dimensions:
Efficiency Score
WeakUFCP struggles to generate sufficient returns from assets.
Valuation Score
ExcellentUFCP trades at attractive valuation levels.
Growth Score
ModerateUFCP shows steady but slowing expansion.
Financial Health Score
ExcellentUFCP maintains a strong and stable balance sheet.
Profitability Score
ModerateUFCP maintains healthy but balanced margins.
Key Financial Metrics
Is UFCP Expensive or Cheap?
P/E Ratio
UFCP trades at 8.13 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, UFCP's PEG of 0.08 indicates potential undervaluation.
Price to Book
The market values Union Financial Corporation at 445.53 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at -44.55 times EBITDA. This is generally considered low.
How Well Does UFCP Make Money?
Net Profit Margin
For every $100 in sales, Union Financial Corporation keeps $6.94 as profit after all expenses.
Operating Margin
Core operations generate 21.81 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $49.70 in profit for every $100 of shareholder equity.
ROA
Union Financial Corporation generates $3.00 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Union Financial Corporation generates limited operating cash flow of $2.05K, signaling weaker underlying cash strength.
Free Cash Flow
Union Financial Corporation generates weak or negative free cash flow of $1.39K, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
UFCP converts 0.02% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
8.13
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.08
vs 25 benchmark
P/B Ratio
Price to book value ratio
445.53
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.56
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.75
vs 25 benchmark
Current Ratio
Current assets to current liabilities
6.63
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
49.70
vs 25 benchmark
ROA
Return on assets percentage
3.00
vs 25 benchmark
ROCE
Return on capital employed
9.60
vs 25 benchmark
How UFCP Stacks Against Its Sector Peers
| Metric | UFCP Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 8.13 | 18.66 | Better (Cheaper) |
| ROE | 4969.91% | 804.00% | Excellent |
| Net Margin | 6.94% | 2258.00% | Weak |
| Debt/Equity | 0.75 | 1.03 | Strong (Low Leverage) |
| Current Ratio | 6.63 | 662.03 | Strong Liquidity |
| ROA | 300.00% | -24049.00% (disorted) | Strong |
UFCP outperforms its industry in 5 out of 6 key metrics, particularly excelling in ROE, but lagging in Net Margin.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Union Financial Corporation'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