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U & I Financial Corp. UNIF

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Price alert · UNIF

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4.02 USD 0.00 0.00%

At close · Oct 30

4.02 Day range 4.02
3.25 52-week range 4.60
YTD
+3.61%
1 year
-0.74%
Open
4.02
Prev close
4.02
Mkt cap
22.02M
Vol
100
Avg vol
184
EPS
-0.26
P/E
0.00
More statistics
Low
4.02
High
4.02

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Financial health

Altman Z-Score

0.25 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

1 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C+2 / 5 overall

  • DCF 4
  • Return on Equity 1
  • Return on Assets 1
  • Debt / Equity 2
  • P/E 1
  • P/B 4

Valuation

P/E -9.9×
FY 2016: 11.3×FY 2017: 15.3×FY 2018: 11.0×FY 2019: 9.1×FY 2020: 7.9×FY 2021: 6.9×FY 2022: 5.3×FY 2023: -5.3×FY 2024: -0.6×FY 2025: -9.9×
FY 2016 5y median -0.6× FY 2025
P/S 0.9×
FY 2016: 2.9×FY 2017: 3.8×FY 2018: 3.1×FY 2019: 2.5×FY 2020: 2.3×FY 2021: 2.6×FY 2022: 2.0×FY 2023: 1.4×FY 2024: 0.5×FY 2025: 0.9×
FY 2016 5y median 1.4× FY 2025
P/B 0.7×
FY 2016: 1.1×FY 2017: 1.2×FY 2018: 1.1×FY 2019: 1.0×FY 2020: 0.8×FY 2021: 0.9×FY 2022: 0.8×FY 2023: 0.9×FY 2024: 0.6×FY 2025: 0.7×
FY 2016 5y median 0.8× FY 2025
P/FCF -13.0×
FY 2016: 13.4×FY 2017: 7.3×FY 2018: 8.6×FY 2019: 11.3×FY 2020: 19.9×FY 2021: -13.7×FY 2022: 3.0×FY 2023: 4.5×FY 2024: -9.9×FY 2025: -13.0×
FY 2016 5y median -9.9× FY 2025
EV/EBITDA -1.1×
FY 2016: -2.7×FY 2017: 1.7×FY 2018: 5.1×FY 2019: 2.4×FY 2020: 3.8×FY 2021: 3.6×FY 2022: 2.8×FY 2023: -1.3×FY 2024: -0.3×FY 2025: -1.1×
FY 2016 5y median -0.3× FY 2025
EV/Sales 0.1×
FY 2016: -1.0×FY 2017: 0.6×FY 2018: 1.9×FY 2019: 0.9×FY 2020: 1.4×FY 2021: 1.7×FY 2022: 1.4×FY 2023: 0.4×FY 2024: 0.2×FY 2025: 0.1×
FY 2016 5y median 0.4× FY 2025
FCF Yield -7.7%
FY 2016: 7.5%FY 2017: 13.7%FY 2018: 11.6%FY 2019: 8.9%FY 2020: 5.0%FY 2021: -7.3%FY 2022: 33.0%FY 2023: 22.2%FY 2024: -10.1%FY 2025: -7.7%
FY 2016 5y median -7.3% FY 2025

Profitability

Gross Margin 52.3%
FY 2016: 87.0%FY 2017: 85.9%FY 2018: 82.8%FY 2019: 79.3%FY 2020: 82.2%FY 2021: 100.0%FY 2022: 89.9%FY 2023: -3.1%FY 2024: -32.1%FY 2025: 52.3%
FY 2016 5y median 52.3% FY 2025
Operating Margin -7.3%
FY 2016: 34.3%FY 2017: 31.4%FY 2018: 34.6%FY 2019: 34.6%FY 2020: 35.2%FY 2021: 53.5%FY 2022: 46.7%FY 2023: -34.4%FY 2024: -68.5%FY 2025: -7.3%
FY 2016 5y median -7.3% FY 2025
Net Margin -8.9%
FY 2016: 25.4%FY 2017: 25.2%FY 2018: 28.1%FY 2019: 27.9%FY 2020: 29.1%FY 2021: 38.2%FY 2022: 37.6%FY 2023: -26.7%FY 2024: -87.0%FY 2025: -8.9%
FY 2016 5y median -8.9% FY 2025
ROE -7.5%
FY 2016: 9.7%FY 2017: 8.1%FY 2018: 10.5%FY 2019: 11.1%FY 2020: 10.5%FY 2021: 12.7%FY 2022: 15.5%FY 2023: -17.6%FY 2024: -103.8%FY 2025: -7.5%
FY 2016 5y median -7.5% FY 2025
ROIC -2.0%
FY 2016: 2.7%FY 2017: 2.1%FY 2018: 2.1%FY 2019: 9.8%FY 2020: 9.4%FY 2021: 11.9%FY 2022: 11.3%FY 2023: -11.5%FY 2024: -30.1%FY 2025: -2.0%
FY 2016 5y median -2.0% FY 2025
ROA -0.5%
FY 2016: 1.4%FY 2017: 1.2%FY 2018: 1.5%FY 2019: 1.6%FY 2020: 1.5%FY 2021: 1.9%FY 2022: 1.9%FY 2023: -1.8%FY 2024: -5.9%FY 2025: -0.5%
FY 2016 5y median -0.5% FY 2025

Growth (YoY)

Revenue -31.8%
FY 2016: 14.5%FY 2017: -9.8%FY 2018: 26.1%FY 2019: 25.9%FY 2020: 5.9%FY 2021: 4.3%FY 2022: 32.9%FY 2023: 36.9%FY 2024: -11.9%FY 2025: -31.8%
FY 2016 FY 2025
Operating Income 92.7%
FY 2016: -20.1%FY 2017: -17.3%FY 2018: 38.7%FY 2019: 26.2%FY 2020: 7.6%FY 2021: 58.6%FY 2022: 16.0%FY 2023: -200.8%FY 2024: -75.3%FY 2025: 92.7%
FY 2016 FY 2025
EPS (diluted) 93.1%
FY 2016: 1.4%FY 2017: -18.3%FY 2018: 41.4%FY 2019: 24.4%FY 2020: 9.8%FY 2021: 33.0%FY 2022: 32.2%FY 2023: -200.5%FY 2024: -186.4%FY 2025: 93.1%
FY 2016 FY 2025
Free Cash Flow 10.2%
FY 2016: -51.3%FY 2017: 120.2%FY 2018: -14.2%FY 2019: -20.9%FY 2020: -45.2%FY 2021: -271.6%FY 2022: 561.7%FY 2023: -34.8%FY 2024: -114.3%FY 2025: 10.2%
FY 2016 FY 2025

Financial Health

Current Ratio 0.2×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.6×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Quick Ratio 0.2×
FY 2016: 0.5×FY 2017: 0.5×FY 2018: 0.6×FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.2×FY 2022: 0.2×FY 2023: 0.2×FY 2024: 0.2×FY 2025: 0.2×
FY 2016 5y median 0.2× FY 2025
Debt / Equity 1.4×
FY 2016: 0.0×FY 2017: 0.1×FY 2018: 0.3×FY 2019: 0.1×FY 2020: 0.1×FY 2021: 0.2×FY 2022: 0.3×FY 2023: 0.3×FY 2024: 1.7×FY 2025: 1.4×
FY 2016 5y median 0.3× FY 2025
Net Debt / EBITDA 10.8×
FY 2016: -10.6×FY 2017: -9.7×FY 2018: -3.4×FY 2019: -4.6×FY 2020: -2.5×FY 2021: -1.8×FY 2022: -1.3×FY 2023: 3.0×FY 2024: 0.5×FY 2025: 10.8×
FY 2016 5y median 0.5× FY 2025
Interest Coverage -0.1×
FY 2016: 3.0×FY 2017: 2.7×FY 2018: 2.3×FY 2019: 1.8×FY 2020: 3.7×FY 2021: 16.0×FY 2022: 4.6×FY 2023: -0.9×FY 2024: -1.3×FY 2025: -0.1×
FY 2016 5y median -0.1× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 2.6%FY 2018: 1.1%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 1.9%FY 2023: 1.9%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 40.3%FY 2018: 12.2%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 9.9%FY 2023: -10.1%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31