U & I Financial Corp. Financial Ratios — UNIF Stock

Profitability (USD)

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	8.38	10.93	12.03	11.34	13.47	16	-16.2	-68.02	-7.34
Return on Assets (%)	- -	1.2	1.56	1.72	1.65	1.98	2.14	-1.81	-5.49	-0.46
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.72	2.6	2.07	1.66	1.31	1.15	2.2	2.43	3.37	5.14
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	38.77	35.47	40.81	42.64	38.92	47.13	51.96	-55.45	-145.73	-15.98
Profit Margin (%)	28.73	28.42	33.25	34.35	32.18	38.18	41.81	-42.98	-185.2	-19.39
Net Income to Common Margin (%)	28.73	28.42	33.25	34.35	32.18	38.18	41.81	-42.98	-185.2	-19.39
Effective Tax Rate (%)	25.9	19.88	18.53	19.44	17.34	19	19.55	- -	- -	- -
Dvd Payout Ratio (%)	- -	40.28	12.21	- -	- -	- -	9.88	-10.09	- -	- -
Sustainable Growth Rate (%)	- -	5.01	9.6	12.03	11.34	13.47	14.42	-17.83	-68.02	-7.34

Credit (USD)

Credit Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	1	3	12	6	5	12	23	21	51	40
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	1	3	12	6	5	12	23	21	51	40
Total Debt/EBITDA	3.73	10.27	42.86	20.54	21.04	45.62	40.01	34.45	89.68	70.55
Net Debt/EBITDA	-161.45	-141.45	-69.7	-124.1	-79.11	-82.09	-34.19	-67.41	-20.64	-34.38
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	14.25	14.38	14.12	14.52	14.63	14.73	12.28	10.07	5.73	7.06
Long-Term Debt/Equity (%)	3.42	7.61	27.87	11.08	8.97	17.47	32.5	34.33	169.58	139.87
Long-Term Debt/Capital (%)	3.31	7.08	21.8	9.97	8.23	14.87	24.53	25.56	62.91	58.31
Long-Term Debt/Total Assets (%)	0.49	1.09	3.93	1.61	1.31	2.57	3.99	3.46	9.72	9.88
Total Debt/Equity (%)	3.42	7.61	27.87	11.08	8.97	17.47	32.5	34.33	169.58	139.87
Total Debt/Capital (%)	3.31	7.08	21.8	9.97	8.23	14.87	24.53	25.56	62.91	58.31
Total Debt/Total Assets (%)	0.49	1.09	3.93	1.61	1.31	2.57	3.99	3.46	9.72	9.88
Net Debt to Equity	-148.17	-104.83	-45.33	-66.9	-33.74	-31.43	-27.77	-67.17	-39.04	-68.16
Net Debt/Capital (%)	307.6	2,171.5	-82.91	-195.23	-50.53	-44.18	-37.44	-194.13	-61.47	-204.55
EBITDA	- -	- -	- -	- -	- -	- -	1	1	1	1
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	1	- -	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	14.25	14.38	14.12	14.52	14.63	14.73	12.28	10.07	5.73	7.06
Long-Term Debt/Equity (%)	3.42	7.61	27.87	11.08	8.97	17.47	32.5	34.33	169.58	139.87
Long-Term Debt/Capital (%)	3.31	7.08	21.8	9.97	8.23	14.87	24.53	25.56	62.91	58.31
Long-Term Debt/Total Assets (%)	0.49	1.09	3.93	1.61	1.31	2.57	3.99	3.46	9.72	9.88
Total Debt/Equity (%)	3.42	7.61	27.87	11.08	8.97	17.47	32.5	34.33	169.58	139.87
Total Debt/Capital (%)	3.31	7.08	21.8	9.97	8.23	14.87	24.53	25.56	62.91	58.31
Total Debt/Total Assets (%)	0.49	1.09	3.93	1.61	1.31	2.57	3.99	3.46	9.72	9.88
CFO/Total Liabilities	1.38	2.87	2.19	1.56	0.77	-1.06	3.88	4.88	-0.32	-0.42
CFO/CapEx	89.91	87.44	260.45	35.72	13.68	-30.91	52.98	362.09	-17.1	-28.82
Altman's Z-Score	0.11	0.1	0.23	0.24	0.23	0.25	0.22	0.18	0.05	0.05

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	17.73	17.21	18.17	14.58	15.69	18.5	12.5	8.13	6.83
Days Sales Outstanding	- -	20.58	21.21	20.08	25.04	23.26	19.73	29.21	44.9	53.46
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	50	52	50	58	59	58	18	21
- Cash & Cash Equivalents	56	44	32	39	25	31	42	61	62	60
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	1	3	12	6	5	12	23	21	51	40
Enterprise Value	-71	-75	-16	-30	-28	-16	-8	-31	-38	-52
Total Capital	38	42	55	56	64	79	95	83	81	69
Total Debt/Capital (%)	3.31	7.08	21.8	9.97	8.23	14.87	24.53	25.56	62.91	58.31
Total Debt / EV	-0.02	-0.04	-0.76	-0.19	-0.19	-0.73	-2.82	-0.67	-1.35	-0.78
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	41	49	49	51	49	60	61	58	18	21
Diluted Enterprise Value	-14	8	30	18	30	40	42	17	7	2
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	12	11	14	16	19	22	27	25	17	11
TTM EBITDA	- -	- -	- -	- -	- -	- -	1	1	1	1
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	3	7	6	5	3	-4	20	27	-2	-2
TTM Free Cash Flow to Firm	3	7	6	5	3	-4	20	27	-1	-2

Multiples (USD)

Valuation Multiples API ChatGPT

	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	13.16	7.23	8.6	10.67	17.29	-15.05	3	2.14	-12.37	-13.89
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-71	-75	-16	-30	-28	-16	-8	-31	-38	-52
Low Price	6.76	7.93	7.8	8.5	6.37	8.76	10.79	9.07	3.16	3
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	11.32	15.29	10.96	9.05	7.92	6.86	5.34	- -	- -	- -
Price/Earnings Average	11.54	15.03	10.79	8.84	6.73	6.42	5.68	-5.5	-1	-9.29
Price/Earnings High	12.38	15.37	11.93	9.07	8.68	7.84	6.67	-6.04	-1.87	-10.65
Price/Earnings Low	9.45	13.47	9.49	8.32	5.67	5.73	5.33	-4.57	-0.56	-7.61
Price/Book Value	- -	- -	1.17	1.02	0.84	0.87	0.82	0.94	0.61	0.74
Price/Book Value Average	- -	- -	1.15	1	0.71	0.81	0.87	0.97	1.04	0.69
Price/Book Value High	- -	- -	1.27	1.02	0.92	0.99	1.02	1.07	1.94	0.8
Price/Book Value Low	- -	- -	1.01	0.94	0.6	0.73	0.82	0.81	0.58	0.57
Price/Tangible Book Value	- -	- -	1.17	1.02	0.84	0.87	0.82	0.94	0.61	0.74
Price/Tangible Book Value Average	- -	- -	1.15	1	0.71	0.81	0.87	0.97	1.04	0.69
Price/Tangible Book Value High	- -	- -	1.27	1.02	0.92	0.99	1.02	1.07	1.94	0.8
Price/Tangible Book Value Low	- -	- -	1.01	0.94	0.6	0.73	0.82	0.81	0.58	0.57
Price/Sales	3.25	4.34	3.64	3.11	2.55	2.62	2.23	2.29	1.08	1.91
Price/Sales Average	3.31	4.27	3.59	3.04	2.17	2.45	2.38	2.36	1.86	1.8
Price/Sales High	3.56	4.37	3.97	3.12	2.79	2.99	2.79	2.6	3.46	2.06
Price/Sales Low	2.71	3.83	3.16	2.86	1.82	2.19	2.23	1.96	1.03	1.47
Price/Cash Flow	13.23	7.26	8.62	10.97	18.45	-14.19	2.97	2.15	-11.65	-13.41
Price/Cash Flow Average	13.48	7.13	8.49	10.71	15.67	-13.27	3.17	2.22	-20.05	-12.65
Price/Cash Flow High	14.48	7.3	9.38	10.99	20.21	-16.22	3.71	2.44	-37.3	-14.51
Price/Cash Flow Low	11.04	6.39	7.47	10.08	13.21	-11.84	2.97	1.84	-11.12	-10.37
Price/Free Cash Flow Average	13.41	7.11	8.47	10.42	14.68	-14.07	3.19	2.21	-21.29	-13.11
Price/Free Cash Flow High	14.4	7.27	9.36	10.69	18.94	-17.19	3.75	2.43	-39.61	-15.03
Price/Free Cash Flow Low	10.98	6.37	7.45	9.8	12.37	-12.55	3	1.84	-11.81	-10.74
EV/Sales Average	- -	0.6	2.21	1.05	1.17	1.58	1.65	0.77	1.21	0.07
EV/Sales High	- -	0.7	2.59	1.13	1.8	2.13	2.06	1.01	2.81	0.33
EV/Sales Low	- -	0.15	1.77	0.87	0.82	1.32	1.51	0.37	0.38	- -
EV/EBITDA Average	-161.45	-141.45	106.83	63.17	89.44	137.07	75.26	31.75	35.82	1.37
EV/EBITDA High	-161.45	-141.45	125.43	68	137.94	184.33	93.78	41.44	83.26	6.51
EV/EBITDA Low	-161.45	-141.45	85.6	52.23	63.11	114.21	68.57	15.37	11.27	-4.96
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	8.1	9	9	9.25	8.9	10.5	10.81	10.57	3.31	3.88
High Price	8.86	9.05	9.8	9.27	9.75	12	13.5	11.99	10.6	4.2
Enterprise Value Average	-55	-41	30	17	23	35	44	19	20	1
Enterprise Value High	-55	-41	35	18	35	47	55	25	47	4
Enterprise Value Low	-55	-41	24	14	16	29	40	9	6	-3

Shares Outstanding	- -	- -	6	6	6	6	5	5	5	5
Diluted Weighted Avg Shares	5	5	5	6	6	6	6	5	5	5
Basic Weighted Avg Shares	5	5	5	6	6	6	5	5	5	5
Revenue per Share	2.49	2.07	2.47	2.98	3.49	4.01	4.84	4.62	3.06	2.03
EBITDA per Share	0.07	0.05	0.05	0.05	0.05	0.05	0.11	0.11	0.1	0.1
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.72	0.59	0.82	1.02	1.12	1.53	2.03	-1.98	-5.67	-0.39
Basic EPS from Cont Ops	0.72	0.59	0.82	1.02	1.12	1.53	2.03	-1.98	-5.67	-0.39
Diluted EPS, GAAP	0.71	0.58	0.82	1.02	1.12	1.49	1.97	-1.98	-5.67	-0.39
Diluted EPS from Cont Ops	0.71	0.58	0.82	1.02	1.12	1.49	1.97	-1.98	-5.67	-0.39
Dividend per Share	- -	0.24	0.1	- -	- -	- -	0.2	0.2	- -	- -
Cash Flow per Share	0.61	1.24	1.04	0.84	0.48	-0.74	3.63	4.92	-0.28	-0.29
Free Cash Flow per Basic Share	0.61	1.23	1.04	0.82	0.45	-0.76	3.57	4.91	-0.3	-0.3
Cash & Equivalents per Share	- -	- -	14	15.64	14.86	15.48	16.64	20.17	19.44	20.73
Book Value per Share	- -	- -	7.72	9.05	10.59	12.07	13.24	11.24	5.47	5.28
Tangible Book Value per Share	- -	- -	7.72	9.05	10.59	12.07	13.24	11.24	5.47	5.28

U & I Financial Corp.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)