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UNICO AMERICAN CORP (UNAM) Stock Fundamental Analysis

NASDAQ:UNAM - Nasdaq - US9046071083 - Common Stock - Currency: USD

1.2  +0.06 (+5.26%)

After market: 1.0101 -0.19 (-15.82%)

Fundamental Rating

1

UNAM gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 143 industry peers in the Insurance industry. While UNAM seems to be doing ok healthwise, there are quite some concerns on its profitability. UNAM is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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0

1. Profitability

1.1 Basic Checks

In the past year UNAM has reported negative net income.
In the past year UNAM has reported a negative cash flow from operations.
UNAM Yearly Net Income VS EBIT VS OCF VS FCFUNAM Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 -5M -10M -15M -20M

1.2 Ratios

UNAM has negative profitability rations, so we won't be analyzing them here.
Industry RankSector Rank
ROA N/A
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
UNAM Yearly ROA, ROE, ROICUNAM Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 -20 -40 -60

1.3 Margins

The Profit Margin and Operating Margin and Gross Margin are not available for UNAM so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM N/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
UNAM Yearly Profit, Operating, Gross MarginsUNAM Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 -20 -40 -60

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2. Health

2.1 Basic Checks

UNAM does not have a ROIC to compare to the WACC, probably because it is not profitable.
UNAM has about the same amout of shares outstanding than it did 1 year ago.
There is no outstanding debt for UNAM. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
UNAM Yearly Shares OutstandingUNAM Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 1M 2M 3M 4M 5M
UNAM Yearly Total Debt VS Total AssetsUNAM Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 50M 100M

2.2 Solvency

UNAM has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Altman-Z N/A
ROIC/WACCN/A
WACC8.44%
UNAM Yearly LT Debt VS Equity VS FCFUNAM Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 0 20M 40M 60M

2.3 Liquidity

Industry RankSector Rank
Current Ratio N/A
Quick Ratio N/A
UNAM Yearly Current Assets VS Current LiabilitesUNAM Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 1M 2M 3M

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1

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 73.59% over the past year.
Looking at the last year, UNAM shows a small growth in Revenue. The Revenue has grown by 0.41% in the last year.
Measured over the past years, UNAM shows a decrease in Revenue. The Revenue has been decreasing by -1.51% on average per year.
EPS 1Y (TTM)73.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-101.03%
Revenue 1Y (TTM)0.41%
Revenue growth 3Y-0.92%
Revenue growth 5Y-1.51%
Sales Q2Q%-129.43%

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.
UNAM Yearly Revenue VS EstimatesUNAM Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 10M 20M 30M

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4. Valuation

4.1 Price/Earnings Ratio

UNAM reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
UNAM Price Earnings VS Forward Price EarningsUNAM 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
UNAM Per share dataUNAM EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4 -4 6 -6

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 UNAM!.
Industry RankSector Rank
Dividend Yield N/A

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UNICO AMERICAN CORP

NASDAQ:UNAM (6/14/2023, 8:03:16 PM)

After market: 1.0101 -0.19 (-15.82%)

1.2

+0.06 (+5.26%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupInsurance
GICS IndustryInsurance
Earnings (Last)10-11 2022-10-11/amc
Earnings (Next)N/A N/A
Inst Owners0%
Inst Owner Change0%
Ins Owners44.55%
Ins Owner Change0%
Market Cap6.37M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
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 0.19
P/FCF N/A
P/OCF N/A
P/B 0.36
P/tB 0.36
EV/EBITDA N/A
EPS(TTM)-1.07
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)-6.48
FCFYN/A
OCF(TTM)-6.48
OCFYN/A
SpS6.16
BVpS3.38
TBVpS3.38
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA N/A
ROE N/A
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)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
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)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score2
Asset Turnover0.37
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 6.46%
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio N/A
Quick Ratio N/A
Altman-Z N/A
F-Score2
WACC8.44%
ROIC/WACCN/A
Cap/Depr(3y)145.25%
Cap/Depr(5y)100.4%
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)73.59%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-101.03%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)0.41%
Revenue growth 3Y-0.92%
Revenue growth 5Y-1.51%
Sales Q2Q%-129.43%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y50.34%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-734.91%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-987.13%
OCF growth 3YN/A
OCF growth 5YN/A