What is IOU Financial Inc. (IOUFF) stock price today?

IOU Financial Inc. (IOUFF) is currently trading at $0.16, up 4.62% today.

What is IOUFF P/E ratio?

IOU Financial Inc.'s P/E ratio is 565.60. This is above the typical market average of roughly 18-22x. A high P/E often reflects higher expected earnings growth, a temporary dip in earnings, or both.

What is IOUFF return on equity (ROE)?

IOU Financial Inc.'s return on equity (ROE) is 0.24%. ROE measures net income relative to shareholders' equity. This is below the typical market range of roughly 12-15%.

What is IOU Financial Inc.'s market cap?

IOU Financial Inc. has a market capitalization of $17.67M.

OTC · Financial - Credit Services

IOU Financial Inc. (IOUFF) Stock

$0.16 +4.62% OTC: IOUFF Financial Services

Valuation

Metric	Value
Price	$0.16
Market Cap	$17.67M
P/E Ratio	565.60
P/B Ratio	1.38
P/S Ratio	0.87
EPS (TTM)	$0.00
52-Week High	$0.22
52-Week Low	$0.08
Dividend Yield	0.00%

Financials & Margins

Metric	Value
ROE	0.24%
ROA	0.15%
ROCE	0.67%
Gross Margin	100.00%
Operating Margin	0.55%
Net Margin	0.14%
Debt/Equity	0.28
Current Ratio	5.45

Annual Financials (USD)

Metric	2018	2019	2020	2021	2022
Revenue	$18.0M	$23.0M	$17.0M	$17.0M	$29.0M
Operating Profit	$3.0M	$2.0M	$-3.0M	$4.0M	$0
Net Profit	$3.0M	$2.0M	$-3.0M	$4.0M	$0
EPS	$0.03	$0.02	$-0.03	$0.03	$0.00
Op Margin	17.9%	7.2%	-16.8%	22.6%	0.6%

Balance Sheet (USD)

Metric	2018	2019	2020	2021	2022
Total Assets	$44.0M	$64.0M	$25.0M	$27.0M	$26.0M
Total Liabilities	$32.0M	$51.0M	$13.0M	$11.0M	$8.0M
Cash	$7.0M	$5.0M	$10.0M	$7.0M	$4.0M
Borrowings	$30.0M	$49.0M	$11.0M	$8.0M	$5.0M

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Cash Flow (USD)

Metric	2018	2019	2020	2021	2022
Operating Cash Flow	$8.0M	$-21.0M	$42.0M	$2.0M	$0
Investing Cash Flow	$0	$1.0M	$0	$-2.0M	$-1.0M
Financing Cash Flow	$-5.0M	$19.0M	$-37.0M	$-4.0M	$-4.0M
Net Cash Flow	$3.0M	$-1.0M	$5.0M	$-3.0M	$-3.0M
Free Cash Flow	$8.0M	$-21.0M	$42.0M	$1.0M	$-1.0M

Valuation & Return Ratios

Metric	Value
PEG Ratio	-3.92
EV / EBITDA	2.39
FCF Yield	-5.77%
Quick Ratio	5.45
Interest Coverage	0.20
Return 1Y	—
Return 3Y	—
Return 5Y	—

Peer Comparison

Ticker	Price	Change	P/E	Market Cap	Div Yield
AMSAAmerican Seniors Association Holding Group, Inc.	$0.20	+0.00%	—	$10.47M	0.00%
FCCOFirst Community Corporation	$32.51	+0.74%	11.98	$305.53M	2.09%
FWAVFourth Wave Energy, Inc.	$0.04	+0.00%	1.13	$15.36M	0.00%
GTVIJoway Health Industries Group Inc.	$0.07	+4.43%	-2.36	$15.30M	0.00%
HALN	$0.00	—	—	$19.43M	0.00%

About IOU Financial Inc.

IOU Financial Inc., operating through its subsidiary IOU Central Inc., manages an online platform for commercial lending across the United States. The company creates and sells commercial loan assets, also providing servicing for these loans once they have been transferred on a non-recourse basis to institutional buyers. Its diverse clientele encompasses medical and dental practices, grocery and retail stores, franchisees in the restaurant and hotel sectors, and e-commerce businesses. Founded in 1977, IOU Financial Inc. maintains its head office in Montreal, Canada.

IOU Financial Inc. is headquartered in CA.

IOU Financial Inc. (IOUFF) stock trades at $0.16 with a market capitalization of $17.67M. The stock is valued at a price-to-earnings (P/E) ratio of 565.60, price-to-book of 1.38, price-to-sales of 0.87. Over the past 52 weeks the stock has ranged between $0.08 and $0.22, and currently trades 27.3% below its 52-week high.

On profitability, IOU Financial Inc. generates a return on equity (ROE) of 0.24%, return on capital employed of 0.67%, an operating margin of 0.55%, a net profit margin of 0.14%.

Official website: www.ioufinancial.com