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IOU FINANCIAL INC (IOU.CA) Stock Fundamental Analysis

TSX-V:IOU - TSX Venture Exchange - CA44985J2048 - Common Stock - Currency: CAD

0.22  0 (0%)

Fundamental Rating

2

Taking everything into account, IOU scores 2 out of 10 in our fundamental rating. IOU was compared to 28 industry peers in the Financial Services industry. IOU scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. IOU does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

IOU had negative earnings in the past year.
IOU had a negative operating cash flow in the past year.
Of the past 5 years IOU 4 years were profitable.
In multiple years IOU reported negative operating cash flow during the last 5 years.
IOU.CA Yearly Net Income VS EBIT VS OCF VS FCFIOU.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 20M -20M 40M

1.2 Ratios

With a Return On Assets value of -10.60%, IOU is not doing good in the industry: 92.86% of the companies in the same industry are doing better.
IOU has a worse Return On Equity (-16.17%) than 80.95% of its industry peers.
Industry RankSector Rank
ROA -10.6%
ROE -16.17%
ROIC N/A
ROA(3y)0.99%
ROA(5y)2.3%
ROE(3y)0.26%
ROE(5y)7.04%
ROIC(3y)N/A
ROIC(5y)N/A
IOU.CA Yearly ROA, ROE, ROICIOU.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 0 20 -20 -40

1.3 Margins

IOU's Profit Margin has declined in the last couple of years.
IOU's Operating Margin has improved in the last couple of years.
The Profit Margin and Operating Margin and Gross Margin are not available for IOU so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3Y-38.12%
OM growth 5Y46.96%
PM growth 3Y-68.59%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
IOU.CA Yearly Profit, Operating, Gross MarginsIOU.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 0 20 -20

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5

2. Health

2.1 Basic Checks

IOU does not have a ROIC to compare to the WACC, probably because it is not profitable.
IOU has more shares outstanding than it did 1 year ago.
The debt/assets ratio for IOU has been reduced compared to a year ago.
IOU.CA Yearly Shares OutstandingIOU.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M 80M 100M
IOU.CA Yearly Total Debt VS Total AssetsIOU.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M

2.2 Solvency

An Altman-Z score of 1.88 indicates that IOU is not a great score, but indicates only limited risk for bankruptcy at the moment.
IOU's Altman-Z score of 1.88 is in line compared to the rest of the industry. IOU outperforms 52.38% of its industry peers.
A Debt/Equity ratio of 0.32 indicates that IOU is not too dependend on debt financing.
IOU has a better Debt to Equity ratio (0.32) than 85.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF N/A
Altman-Z 1.88
ROIC/WACCN/A
WACC7.63%
IOU.CA Yearly LT Debt VS Equity VS FCFIOU.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 0 20M -20M 40M

2.3 Liquidity

IOU has a Current Ratio of 6.15. This indicates that IOU is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of IOU (6.15) is better than 92.86% of its industry peers.
IOU has a Quick Ratio of 6.15. This indicates that IOU is financially healthy and has no problem in meeting its short term obligations.
IOU's Quick ratio of 6.15 is amongst the best of the industry. IOU outperforms 92.86% of its industry peers.
Industry RankSector Rank
Current Ratio 6.15
Quick Ratio 6.15
IOU.CA Yearly Current Assets VS Current LiabilitesIOU.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 20M 40M 60M

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2

3. Growth

3.1 Past

IOU shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -153.63%.
The earnings per share for IOU have been decreasing by -72.55% on average. This is quite bad
The Revenue has grown by 27.62% in the past year. This is a very strong growth!
IOU shows a small growth in Revenue. Measured over the last years, the Revenue has been growing by 1.91% yearly.
EPS 1Y (TTM)-153.63%
EPS 3Y-72.55%
EPS 5YN/A
EPS Q2Q%-236.14%
Revenue 1Y (TTM)27.62%
Revenue growth 3Y-6.3%
Revenue growth 5Y1.91%
Sales Q2Q%-2.2%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
IOU.CA Yearly Revenue VS EstimatesIOU.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 5M 10M 15M 20M

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0

4. Valuation

4.1 Price/Earnings Ratio

IOU reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
IOU.CA Price Earnings VS Forward Price EarningsIOU.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0 0 0 0 0 0 0

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
IOU.CA Per share dataIOU.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.05 0.1 0.15

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for IOU!.
Industry RankSector Rank
Dividend Yield N/A

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IOU FINANCIAL INC

TSX-V:IOU (10/6/2023, 7:00:00 PM)

0.22

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst Owners1.25%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap23.22M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 1.22
P/FCF N/A
P/OCF N/A
P/B 1.46
P/tB 1.65
EV/EBITDA N/A
EPS(TTM)-0.02
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-0.04
FCFYN/A
OCF(TTM)-0.03
OCFYN/A
SpS0.18
BVpS0.15
TBVpS0.13
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -10.6%
ROE -16.17%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM N/A
FCFM N/A
ROA(3y)0.99%
ROA(5y)2.3%
ROE(3y)0.26%
ROE(5y)7.04%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)5.47%
ROCE(5y)13.36%
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3Y-38.12%
OM growth 5Y46.96%
PM growth 3Y-68.59%
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.79
Health
Industry RankSector Rank
Debt/Equity 0.32
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 233.84%
Cap/Sales 7.19%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 6.15
Quick Ratio 6.15
Altman-Z 1.88
F-Score2
WACC7.63%
ROIC/WACCN/A
Cap/Depr(3y)178.62%
Cap/Depr(5y)116.08%
Cap/Sales(3y)4.45%
Cap/Sales(5y)2.76%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-153.63%
EPS 3Y-72.55%
EPS 5YN/A
EPS Q2Q%-236.14%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)27.62%
Revenue growth 3Y-6.3%
Revenue growth 5Y1.91%
Sales Q2Q%-2.2%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-143.95%
EBIT growth 3Y-42.02%
EBIT growth 5Y49.76%
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-109.52%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-106.34%
OCF growth 3YN/A
OCF growth 5YN/A