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

USA - NYSE:YOU - US18467V1098 - Common Stock

32.07 USD
+0.23 (+0.72%)
Last: 10/28/2025, 1:55:56 PM
Fundamental Rating

5

YOU gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 285 industry peers in the Software industry. YOU has an average financial health and profitability rating. YOU has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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.
In multiple years YOU reported negative net income over the last 5 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

YOU has a Return On Assets of 14.99%. This is amongst the best in the industry. YOU outperforms 90.88% of its industry peers.
YOU has a better Return On Equity (145.77%) than 99.30% of its industry peers.
The Return On Invested Capital of YOU (27.31%) is better than 95.79% of its industry peers.
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

Looking at the Profit Margin, with a value of 21.17%, YOU belongs to the top of the industry, outperforming 86.67% of the companies in the same industry.
YOU's Operating Margin of 17.81% is amongst the best of the industry. YOU outperforms 85.26% of its industry peers.
YOU's Gross Margin of 85.79% is amongst the best of the industry. YOU outperforms 94.04% of its industry peers.
In the last couple of years the Gross Margin of YOU has remained more or less at the same level.
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

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.
YOU has less shares outstanding than it did 1 year ago.
The number of shares outstanding for YOU has been reduced compared to 5 years ago.
There is no outstanding debt for YOU. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and 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

YOU has an Altman-Z score of 3.53. This indicates that YOU is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.53, YOU is in line with its industry, outperforming 60.00% of the companies in the same industry.
There is no outstanding debt for YOU. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.53
ROIC/WACC2.48
WACC11%
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.
Looking at the Current ratio, with a value of 0.87, YOU is doing worse than 78.25% of the companies in the same industry.
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 worse Quick ratio (0.87) than 77.89% 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

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 81.00% over the past year.
YOU shows quite a strong growth in Revenue. In the last year, the Revenue has grown by 19.85%.
The Revenue has been growing by 31.99% on average over the past years. This is a very strong growth!
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 -0.72% yearly.
Based on estimates for the next years, YOU will show a quite strong growth in Revenue. The Revenue will grow by 9.27% on average per year.
EPS Next Y-40.62%
EPS Next 2Y-14.04%
EPS Next 3Y-0.72%
EPS Next 5YN/A
Revenue Next Year15.77%
Revenue Next 2Y13.38%
Revenue Next 3Y11.43%
Revenue Next 5Y9.27%

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
YOU Yearly Revenue VS EstimatesYOU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2032 500M 1B 1.5B
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

5

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 17.72, YOU is valued on the expensive side.
Compared to the rest of the industry, the Price/Earnings ratio of YOU indicates a rather cheap valuation: YOU is cheaper than 81.40% of the companies listed in the same industry.
YOU is valuated rather cheaply when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.
With a Price/Forward Earnings ratio of 23.85, YOU is valued on the expensive side.
YOU's Price/Forward Earnings ratio is a bit cheaper when compared to the industry. YOU is cheaper than 69.47% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 23.09, YOU is valued at the same level.
Industry RankSector Rank
PE 17.72
Fwd PE 23.85
YOU Price Earnings VS Forward Price EarningsYOU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

82.81% of the companies in the same industry are more expensive than YOU, based on the Enterprise Value to EBITDA ratio.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of YOU indicates a rather cheap valuation: YOU is cheaper than 89.82% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 13.97
EV/EBITDA 17.67
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.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-14.04%
EPS Next 3Y-0.72%

3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 1.61%, YOU has a reasonable but not impressive dividend return.
YOU's Dividend Yield is rather good when compared to the industry average which is at 34.33. YOU pays more dividend than 94.39% of the companies in the same industry.
YOU's Dividend Yield is slightly below the S&P500 average, which is at 2.30.
Industry RankSector Rank
Dividend Yield 1.61%

5.2 History

YOU has paid a dividend for less than 5 years, so there is no long track record yet.
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

YOU pays out 39.80% of its income as dividend. This is a sustainable payout ratio.
DP39.8%
EPS Next 2Y-14.04%
EPS Next 3Y-0.72%
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

CLEAR SECURE INC -CLASS A

NYSE:YOU (10/28/2025, 1:55:56 PM)

32.07

+0.23 (+0.72%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)08-05 2025-08-05/bmo
Earnings (Next)11-06 2025-11-06/bmo
Inst Owners106.64%
Inst Owner Change-0.36%
Ins Owners8.79%
Ins Owner Change-13.86%
Market Cap4.26B
Revenue(TTM)835.53M
Net Income(TTM)176.88M
Analysts70.77
Price Target36.21 (12.91%)
Short Float %19.74%
Short Ratio10.66
Dividend
Industry RankSector Rank
Dividend Yield 1.61%
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)3.97%
PT rev (3m)17.77%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.45%
EPS NY rev (1m)0%
EPS NY rev (3m)2.6%
Revenue NQ rev (1m)0.02%
Revenue NQ rev (3m)1.66%
Revenue NY rev (1m)0.02%
Revenue NY rev (3m)1.31%
Valuation
Industry RankSector Rank
PE 17.72
Fwd PE 23.85
P/S 5.1
P/FCF 13.97
P/OCF 13.24
P/B 35.13
P/tB 90.02
EV/EBITDA 17.67
EPS(TTM)1.81
EY5.64%
EPS(NY)1.34
Fwd EY4.19%
FCF(TTM)2.3
FCFY7.16%
OCF(TTM)2.42
OCFY7.56%
SpS6.29
BVpS0.91
TBVpS0.36
PEG (NY)N/A
PEG (5Y)N/A
Graham Number6.1
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
ROICexgc growth 3YN/A
ROICexgc 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 3.53
F-Score7
WACC11%
ROIC/WACC2.48
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-40.62%
EPS Next 2Y-14.04%
EPS Next 3Y-0.72%
EPS Next 5YN/A
Revenue 1Y (TTM)19.85%
Revenue growth 3Y44.76%
Revenue growth 5Y31.99%
Sales Q2Q%17.52%
Revenue Next Year15.77%
Revenue Next 2Y13.38%
Revenue Next 3Y11.43%
Revenue Next 5Y9.27%
EBIT growth 1Y67.16%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year95.49%
EBIT Next 3Y38.48%
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%

CLEAR SECURE INC -CLASS A / YOU FAQ

What is the ChartMill fundamental rating of CLEAR SECURE INC -CLASS A (YOU) stock?

ChartMill assigns a fundamental rating of 5 / 10 to YOU.


What is the valuation status of CLEAR SECURE INC -CLASS A (YOU) stock?

ChartMill assigns a valuation rating of 5 / 10 to CLEAR SECURE INC -CLASS A (YOU). This can be considered as Fairly Valued.


What is the profitability of YOU stock?

CLEAR SECURE INC -CLASS A (YOU) has a profitability rating of 6 / 10.


What is the valuation of CLEAR SECURE INC -CLASS A based on its PE and PB ratios?

The Price/Earnings (PE) ratio for CLEAR SECURE INC -CLASS A (YOU) is 17.72 and the Price/Book (PB) ratio is 35.13.


Can you provide the expected EPS growth for YOU stock?

The Earnings per Share (EPS) of CLEAR SECURE INC -CLASS A (YOU) is expected to decline by -40.62% in the next year.