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 (%)	- -	8.39	10.81	11.99	11.65	13.94	16.01	-15.87	-66	-7.06
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	9.49	11.99	11.65	13.94	14.43	-17.47	-66	-7.06

Credit (USD)

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	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	14.17	14.42	14.37	14.38	14.03	14.34	12.56	10.25	6.05	7.24
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 (%)	3.33	7.05	21.49	10.06	8.56	15.21	24.11	25.22	61.62	57.72
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 (%)	3.33	7.05	21.49	10.06	8.56	15.21	24.11	25.22	61.62	57.72
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 (%)	304.19	2,324.25	-80.23	-200.9	-53.85	-45.89	-36.31	-184.47	-56.47	-190.49
EBITDA	- -	- -	- -	- -	- -	- -	1	1	1	1
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	1	- -	1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	14.17	14.42	14.37	14.38	14.03	14.34	12.56	10.25	6.05	7.24
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 (%)	3.33	7.05	21.49	10.06	8.56	15.21	24.11	25.22	61.62	57.72
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 (%)	3.33	7.05	21.49	10.06	8.56	15.21	24.11	25.22	61.62	57.72
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	0.22	0.22	0.23	0.23	0.23	0.25	0.22	0.18	0.05	0.05

Working Capital (USD)

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)

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	40	49	49	51	49	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	-30	-26	-17	-31	-28	-16	-8	-32	-38	-52
Total Capital	38	43	56	56	62	77	97	84	82	70
Total Debt/Capital (%)	3.33	7.05	21.49	10.06	8.56	15.21	24.11	25.22	61.62	57.72
Total Debt / EV	-0.04	-0.12	-0.72	-0.18	-0.19	-0.73	-3.03	-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)

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	-30	-26	-17	-31	-28	-16	-8	-32	-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	1.1	1.24	1.13	1.02	0.87	0.89	0.81	0.92	0.57	0.72
Price/Book Value Average	1.13	1.21	1.11	1	0.74	0.83	0.86	0.95	0.99	0.68
Price/Book Value High	1.21	1.24	1.23	1.02	0.95	1.02	1.01	1.04	1.84	0.78
Price/Book Value Low	0.92	1.09	0.98	0.94	0.62	0.74	0.8	0.79	0.55	0.55
Price/Tangible Book Value	1.1	1.24	1.15	1.01	0.83	0.87	0.82	0.94	0.61	0.74
Price/Tangible Book Value Average	1.12	1.22	1.13	0.99	0.71	0.81	0.88	0.97	1.04	0.69
Price/Tangible Book Value High	1.2	1.25	1.25	1.01	0.91	0.99	1.03	1.06	1.94	0.8
Price/Tangible Book Value Low	0.92	1.09	0.99	0.93	0.6	0.73	0.82	0.8	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	2.15	1.01	1.15	1.58	1.68	0.76	1.21	0.07
EV/Sales High	- -	0.7	2.53	1.09	1.78	2.12	2.09	1	2.81	0.33
EV/Sales Low	- -	0.15	1.72	0.83	0.81	1.32	1.53	0.37	0.38	- -
EV/EBITDA Average	-39.5	22.99	103.98	60.87	88	136.86	76.31	31.43	35.8	1.37
EV/EBITDA High	-30.53	26.78	122.28	65.64	136.08	184.07	95.01	41.09	83.23	6.51
EV/EBITDA Low	-61.57	5.96	83.1	50.06	61.89	114.02	69.56	15.1	11.26	-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	-13	7	29	17	22	35	45	19	20	1
Enterprise Value High	-10	8	34	18	34	47	56	25	47	4
Enterprise Value Low	-21	2	23	14	16	29	41	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	14.42	14.28	14.23	15.84	14.99	15.5	16.48	20.24	19.44	20.73
Book Value per Share	7.33	7.28	7.99	9.08	10.24	11.76	13.41	11.48	5.78	5.41
Tangible Book Value per Share	7.37	7.26	7.85	9.17	10.68	12.08	13.11	11.27	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)