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IOU FINANCIAL INC (IOU.CA) Stock Fundamental Analysis

Canada - TSX-V:IOU - CA44985J2048 - Common Stock

0.22 CAD
0 (0%)
Last: 10/6/2023, 7:00:00 PM
Fundamental Rating

2

We assign a fundamental rating of 2 out of 10 to IOU. IOU was compared to 28 industry peers in the Financial Services industry. The financial health of IOU is average, but there are quite some concerns on its profitability. 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

In the past year IOU has reported negative net income.
In the past year IOU has reported a negative cash flow from operations.
Of the past 5 years IOU 4 years were profitable.
The reported operating cash flow has been mixed in the past 5 years: IOU reported negative operating cash flow in multiple 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

IOU's Return On Assets of -10.60% is on the low side compared to the rest of the industry. IOU is outperformed by 92.86% of its industry peers.
Looking at the Return On Equity, with a value of -16.17%, IOU is doing worse than 80.95% of the companies in the same industry.
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

In the last couple of years the Profit Margin of IOU has declined.
IOU's Operating Margin has improved in the last couple of years.
IOU does not have Profit Margin and Operating Margin and Gross Margin available, so we won't be analyzing them here.
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.
Compared to 1 year ago, IOU has an improved debt to assets ratio.
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

IOU has an Altman-Z score of 1.88. This is not the best score and indicates that IOU is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of IOU (1.88) is comparable to the rest of the industry.
IOU has a Debt/Equity ratio of 0.32. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.32, IOU belongs to the top of the industry, outperforming 85.71% of the companies in the same industry.
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.
A Quick Ratio of 6.15 indicates that IOU has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 6.15, IOU belongs to the top of the industry, outperforming 92.86% of the companies in the same industry.
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%.
Measured over the past years, IOU shows a very negative growth in Earnings Per Share. The EPS has been decreasing by -72.55% on average per year.
The Revenue has grown by 27.62% in the past year. This is a very strong growth!
The Revenue has been growing slightly by 1.91% on average over the past years.
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

IOU does not give a dividend.
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
Revenue(TTM)19.04M
Net Income(TTM)-2565590
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
Graham NumberN/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%
ROICexgc growth 3YN/A
ROICexgc 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

IOU FINANCIAL INC / IOU.CA FAQ

What is the fundamental rating for IOU stock?

ChartMill assigns a fundamental rating of 2 / 10 to IOU.CA.


What is the valuation status for IOU stock?

ChartMill assigns a valuation rating of 0 / 10 to IOU FINANCIAL INC (IOU.CA). This can be considered as Overvalued.


Can you provide the profitability details for IOU FINANCIAL INC?

IOU FINANCIAL INC (IOU.CA) has a profitability rating of 1 / 10.