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CLEAR SECURE INC -CLASS A (YOU) Stock Fundamental Analysis

NYSE:YOU - US18467V1098 - Common Stock

36.36 USD
+1.64 (+4.72%)
Last: 8/22/2025, 8:04:00 PM
36.4 USD
+0.04 (+0.11%)
After Hours: 8/22/2025, 8:04:00 PM
Fundamental Rating

5

YOU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 283 industry peers in the Software industry. Both the profitability and the financial health of YOU get a neutral evaluation. Nothing too spectacular is happening here. YOU has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

YOU had positive earnings in the past year.
YOU had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: YOU reported negative net income in multiple years.
YOU had a positive operating cash flow in 4 of the past 5 years.
YOU Yearly Net Income VS EBIT VS OCF VS FCFYOU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 100M -100M 200M

1.2 Ratios

With an excellent Return On Assets value of 14.99%, YOU belongs to the best of the industry, outperforming 91.52% of the companies in the same industry.
With an excellent Return On Equity value of 145.77%, YOU belongs to the best of the industry, outperforming 99.65% of the companies in the same industry.
Looking at the Return On Invested Capital, with a value of 27.31%, YOU belongs to the top of the industry, outperforming 96.47% of the companies in the same industry.
Industry RankSector Rank
ROA 14.99%
ROE 145.77%
ROIC 27.31%
ROA(3y)3.52%
ROA(5y)0.42%
ROE(3y)25.02%
ROE(5y)10.15%
ROIC(3y)N/A
ROIC(5y)N/A
YOU Yearly ROA, ROE, ROICYOU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 20 -20 40 60 80

1.3 Margins

YOU has a better Profit Margin (21.17%) than 86.93% of its industry peers.
The Operating Margin of YOU (17.81%) is better than 84.81% of its industry peers.
YOU's Gross Margin of 85.79% is amongst the best of the industry. YOU outperforms 93.99% of its industry peers.
YOU's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 17.81%
PM (TTM) 21.17%
GM 85.79%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.14%
GM growth 5Y0.59%
YOU Yearly Profit, Operating, Gross MarginsYOU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

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6

2. Health

2.1 Basic Checks

YOU has a Return on Invested Capital (ROIC), which is well above the Cost of Capital (WACC), which means it is creating value.
Compared to 1 year ago, YOU has less shares outstanding
The number of shares outstanding for YOU has been reduced compared to 5 years ago.
YOU has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
YOU Yearly Shares OutstandingYOU Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 50M 100M 150M
YOU Yearly Total Debt VS Total AssetsYOU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

An Altman-Z score of 3.75 indicates that YOU is not in any danger for bankruptcy at the moment.
YOU has a better Altman-Z score (3.75) than 65.37% of its industry peers.
YOU 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 0
Altman-Z 3.75
ROIC/WACC2.42
WACC11.28%
YOU Yearly LT Debt VS Equity VS FCFYOU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 100M 200M

2.3 Liquidity

YOU has a Current Ratio of 0.87. This is a bad value and indicates that YOU is not financially healthy enough and could expect problems in meeting its short term obligations.
YOU has a worse Current ratio (0.87) than 78.80% of its industry peers.
YOU has a Quick Ratio of 0.87. This is a bad value and indicates that YOU is not financially healthy enough and could expect problems in meeting its short term obligations.
YOU has a Quick ratio of 0.87. This is in the lower half of the industry: YOU underperforms 78.80% of its industry peers.
Industry RankSector Rank
Current Ratio 0.87
Quick Ratio 0.87
YOU Yearly Current Assets VS Current LiabilitesYOU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M

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5

3. Growth

3.1 Past

YOU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 81.00%, which is quite impressive.
YOU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.85%.
YOU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 31.99% yearly.
EPS 1Y (TTM)81%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-23.53%
Revenue 1Y (TTM)19.85%
Revenue growth 3Y44.76%
Revenue growth 5Y31.99%
Sales Q2Q%17.52%

3.2 Future

YOU is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -3.62% yearly.
YOU is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.27% yearly.
EPS Next Y-42.13%
EPS Next 2Y-16.43%
EPS Next 3Y-3.62%
EPS Next 5YN/A
Revenue Next Year14.28%
Revenue Next 2Y12.35%
Revenue Next 3Y10.59%
Revenue Next 5Y9.27%

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
YOU Yearly Revenue VS EstimatesYOU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 200M 400M 600M 800M 1B
YOU Yearly EPS VS EstimatesYOU Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1 -1 1.5

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5

4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 20.09 indicates a rather expensive valuation of YOU.
YOU's Price/Earnings ratio is a bit cheaper when compared to the industry. YOU is cheaper than 77.74% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.24, YOU is valued a bit cheaper.
With a Price/Forward Earnings ratio of 28.60, YOU can be considered very expensive at the moment.
YOU's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. YOU is cheaper than 66.43% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.82. YOU is valued slightly cheaper when compared to this.
Industry RankSector Rank
PE 20.09
Fwd PE 28.6
YOU Price Earnings VS Forward Price EarningsYOU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40

4.2 Price Multiples

79.51% of the companies in the same industry are more expensive than YOU, based on the Enterprise Value to EBITDA ratio.
Based on the Price/Free Cash Flow ratio, YOU is valued cheaply inside the industry as 89.40% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 15.85
EV/EBITDA 19.86
YOU Per share dataYOU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

YOU has a very decent profitability rating, which may justify a higher PE ratio.
A cheap valuation may be justified as YOU's earnings are expected to decrease with -3.62% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-16.43%
EPS Next 3Y-3.62%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.69%, YOU has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 48.84, YOU pays a better dividend. On top of this YOU pays more dividend than 95.76% of the companies listed in the same industry.
Compared to the average S&P500 Dividend Yield of 2.36, YOU is paying slightly less dividend.
Industry RankSector Rank
Dividend Yield 1.69%

5.2 History

YOU has been paying a dividend for less than 5 years, so it still needs to build a track record.
Dividend Growth(5Y)N/A
Div Incr Years0
Div Non Decr Years0
YOU Yearly Dividends per shareYOU Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

39.80% of the earnings are spent on dividend by YOU. This is a low number and sustainable payout ratio.
DP39.8%
EPS Next 2Y-16.43%
EPS Next 3Y-3.62%
YOU Yearly Income VS Free CF VS DividendYOU Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 2024 0 100M 200M
YOU Dividend Payout.YOU Dividend Payout, showing the Payout Ratio.YOU Dividend Payout.PayoutRetained Earnings

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CLEAR SECURE INC -CLASS A

NYSE:YOU (8/22/2025, 8:04:00 PM)

After market: 36.4 +0.04 (+0.11%)

36.36

+1.64 (+4.72%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)08-05 2025-08-05/bmo
Earnings (Next)11-05 2025-11-05/bmo
Inst Owners108.02%
Inst Owner Change2.19%
Ins Owners9.06%
Ins Owner Change-9.9%
Market Cap4.83B
Analysts70
Price Target34.83 (-4.21%)
Short Float %21.5%
Short Ratio11.22
Dividend
Industry RankSector Rank
Dividend Yield 1.69%
Yearly Dividend0.47
Dividend Growth(5Y)N/A
DP39.8%
Div Incr Years0
Div Non Decr Years0
Ex-Date09-10 2025-09-10 (0.125)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.95%
Min EPS beat(2)7.9%
Max EPS beat(2)15.99%
EPS beat(4)3
Avg EPS beat(4)54.15%
Min EPS beat(4)-10.11%
Max EPS beat(4)202.79%
EPS beat(8)7
Avg EPS beat(8)50.16%
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)2
Avg Revenue beat(2)0.86%
Min Revenue beat(2)0.6%
Max Revenue beat(2)1.11%
Revenue beat(4)4
Avg Revenue beat(4)0.92%
Min Revenue beat(4)0.6%
Max Revenue beat(4)1.11%
Revenue beat(8)8
Avg Revenue beat(8)1.45%
Revenue beat(12)12
Avg Revenue beat(12)2%
Revenue beat(16)16
Avg Revenue beat(16)1.94%
PT rev (1m)0.95%
PT rev (3m)1.43%
EPS NQ rev (1m)-1.07%
EPS NQ rev (3m)-24.59%
EPS NY rev (1m)0%
EPS NY rev (3m)-29.93%
Revenue NQ rev (1m)1.22%
Revenue NQ rev (3m)0.04%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.03%
Valuation
Industry RankSector Rank
PE 20.09
Fwd PE 28.6
P/S 5.79
P/FCF 15.85
P/OCF 15.02
P/B 39.87
P/tB 102.14
EV/EBITDA 19.86
EPS(TTM)1.81
EY4.98%
EPS(NY)1.27
Fwd EY3.5%
FCF(TTM)2.29
FCFY6.31%
OCF(TTM)2.42
OCFY6.66%
SpS6.28
BVpS0.91
TBVpS0.36
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 14.99%
ROE 145.77%
ROCE 34.57%
ROIC 27.31%
ROICexc N/A
ROICexgc N/A
OM 17.81%
PM (TTM) 21.17%
GM 85.79%
FCFM 36.52%
ROA(3y)3.52%
ROA(5y)0.42%
ROE(3y)25.02%
ROE(5y)10.15%
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 3Y0.14%
GM growth 5Y0.59%
F-Score7
Asset Turnover0.71
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 62.17%
Cap/Sales 2.03%
Interest Coverage 250
Cash Conversion 182.92%
Profit Quality 172.51%
Current Ratio 0.87
Quick Ratio 0.87
Altman-Z 3.75
F-Score7
WACC11.28%
ROIC/WACC2.42
Cap/Depr(3y)112.32%
Cap/Depr(5y)150.12%
Cap/Sales(3y)4.38%
Cap/Sales(5y)6.38%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)81%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-23.53%
EPS Next Y-42.13%
EPS Next 2Y-16.43%
EPS Next 3Y-3.62%
EPS Next 5YN/A
Revenue 1Y (TTM)19.85%
Revenue growth 3Y44.76%
Revenue growth 5Y31.99%
Sales Q2Q%17.52%
Revenue Next Year14.28%
Revenue Next 2Y12.35%
Revenue Next 3Y10.59%
Revenue Next 5Y9.27%
EBIT growth 1Y67.16%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year85.3%
EBIT Next 3Y34.67%
EBIT Next 5Y22.62%
FCF growth 1Y57.37%
FCF growth 3Y90.95%
FCF growth 5Y189.23%
OCF growth 1Y41.14%
OCF growth 3Y61.88%
OCF growth 5Y77.89%