- CA$23.22m
- CA$25.85m
- CA$19.14m
- 66
- 53
- 65
- 66
Growth & Value
| 12m Forecast Rolling | Industry | Market | |
|---|---|---|---|
| PE Ratio (f) | n/a | ||
| PEG Ratio (f) | n/a | ||
| EPS Growth (f) | n/a | ||
| Dividend Yield (f) | n/a | ||
| Valuation (ttm) | Industry | Market | |
|---|---|---|---|
| Price to Book Value | 1.4 | ||
| Price to Tang. Book | 1.58 | ||
| Price to Free Cashflow | n/a | ||
| Price to Sales | 1.16 | ||
| EV to EBITDA | n/a | ||
Shareholder Activity
| Type | Buy / Hold / Sell |
|---|---|
| Institutions | |
| Directors | |
| Community |
Guru Screens
Quality
| Name | Industry | Market | |
|---|---|---|---|
| Return on Capital | -11.8% | ||
| Return on Equity | -15.94% | ||
| Operating Margin | -12.85% | ||
Financial Summary
| Year End 31st Dec | Unit | 2018 | 2019 | 2020 | 2021 | 2022 | 2023E | 2024E | CAGR / Avg |
|---|---|---|---|---|---|---|---|---|---|
| Total Revenue | CA$m | 19.17 | 23.27 | 16.98 | 12.92 | 19.14 | n/a | n/a | 1.91% |
| Operating Profit | m | ||||||||
| Net Profit | m | ||||||||
| EPS Reported | |||||||||
| Diluted Normalised EPS | |||||||||
| EPS Growth | % | n/a | -43.62 | n/a | n/a | -90.43 | n/a | n/a | n/a |
| PE Ratio | x | ||||||||
| PEG | |||||||||
| Profitability | |||||||||
| Operating Margin | % | ||||||||
| ROA | % | ||||||||
| ROCE | % | ||||||||
| ROE | % | ||||||||
| Cashflow | |||||||||
| Op. Cashflow ps | |||||||||
| Capex ps | |||||||||
| Free Cashflow ps | |||||||||
| Dividends | |||||||||
| Dividend ps | |||||||||
| Dividend Growth | % | ||||||||
| Dividend Yield | % | ||||||||
| Dividend Cover | x | ||||||||
| Balance Sheet | |||||||||
| Cash etc | m | ||||||||
| Working Capital | m | ||||||||
| NFA | m | ||||||||
| Net Debt | m | ||||||||
| Book Value | m | ||||||||
| Diluted Weighted Average Shares | m | ||||||||
| Book Value ps | |||||||||
Other Ratios
| Leverage (ttm) | Total | - Intang | + Pension |
|---|---|---|---|
| Gross Gearing | |||
| Net Gearing | |||
| Cash / Assets |
| Liquidity (ttm) | |
|---|---|
| Curr. Ratio | |
| Quick Ratio | |
| Interest Cov. | |
| Efficiency (ttm) | |
|---|---|
| Asset Turnover | |
| Recs Turnover | |
| Stock Turnover | |
Recent History
| Latest interim period vs. prior period | Industry | Market | |
|---|---|---|---|
| Sales Growth | |||
| EPS Growth | |||
| 3yr Compound Annual Growth Rate | Industry | Market | |
|---|---|---|---|
| Sales CAGR | |||
| EPS CAGR | |||
| DPS CAGR | |||
Profile Summary
IOU Financial Inc. is a Canada-based company, which is engaged in providing small businesses access to the capital for growth opportunities. The Company operates in one reportable operating segment with two main activities: lending and servicing. The Company’s lending activity originates and retains loans as part of its commercial loans receivable portfolio. The Company’s servicing activity services commercial loans that have been sold to institutional purchasers on a non-recourse basis in exchange for a servicing fee. Its IOU Financial platform connects underwriters, merchants and brokers in real time. Its customers include medical and dental practices, grocery and retail stores, restaurant and hotel franchisees and e-commerce companies. Its wholly owned subsidiaries include IOU Central Inc., IOU Financial Canada Inc., and others.
Directors
- Evan Price NEC
- Robert Gloer PRE
- David Kennedy CFO
- Philippe Marleau DRC (46)
- Lucas Timberlake DRC
- Yves Roy IND
- Neil Wolfson IND (56)
- Last Annual
- December 31st, 2022
- Last Interim
- March 31st, 2023
- Incorporated
- June 13th, 1994
- Public Since
- March 17th, 2014
- No. of Employees
- 5
- Sector
- Banking Services
- Industry
- Financials
- Exchange
TSX Venture Exchange- Shares in Issue
- 105,535,596
- Address
- 1670-1 PL Ville-Marie, MONTREAL, H3B 2B6
- Web
- https://ioufinancial.com/
- Phone
- +1 5147890694
- Auditors
- KPMG LLP
Upcoming Events for IOU
Q3 2023 Iou Financial Inc Earnings Release
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FAQ
What is the IOU Financial share price?
As of Today at 07:12 UTC, shares in IOU Financial are trading at CA$0.21. This share price information is delayed by 15 minutes.
How has the IOU Financial share price performed this year?
Shares in IOU Financial last closed at CA$0.21 and the price had moved by +20% over the past 365 days. In terms of relative price strength the IOU Financial share price has outperformed the Toronto Stock Exchange 300 Composite Index by +10.78% over the past year.
What are the analyst and broker recommendations for IOU Financial?
There is no consensus recommendation for this security.
What is the IOU Financial dividend yield?
IOU Financial does not currently pay a dividend.
Does IOU Financial pay a dividend?
IOU Financial does not currently pay a dividend.
When does IOU Financial next pay dividends?
IOU Financial does not currently pay a dividend.
How do I buy IOU Financial shares?
To buy shares in IOU Financial you'll need a share-dealing account with an online or offline stock broker. Once you have opened your account and transferred funds into it, you'll be able to search and select shares to buy and sell. You can use Stockopedia’s share research software to help you find the the kinds of shares that suit your investment strategy and objectives.
What is the market cap of IOU Financial?
As of the previous close price of CA$0.21, shares in IOU Financial had a market capitalisation of CA$25.33m.
Where are IOU Financial shares listed?
Here are the trading details for IOU Financial:
- Country of listing: Canada
- Exchange: CVE
- Ticker Symbol: IOU
What kind of share is IOU Financial?
Based on an overall assessment of its quality, value and momentum IOU Financial is currently classified as a Neutral. The classification is based on a composite score that examines a wide range of fundamental and technical measures. Stock are classified on the the following spectrum: Super Stocks, High Flyers, Contrarians, Turnarounds, Neutral, Value Traps, Momentum Traps, Falling Stars, and Sucker Stocks. For more information, learn about our StockRank Styles.
Is there a IOU Financial share price forecast for 2023?
We could not find analyst target price data for this security.
What is the trend in the IOU Financial share price?
An important predictor of whether a stock price will go up is its track record of momentum. Price trends tend to persist, so it's worth looking at them when it comes to a share like IOU Financial. Over the past six months, its share price has outperformed the Toronto Stock Exchange 300 Composite Index by +28.28%.
As of the last closing price of CA$0.21, shares in IOU Financial were trading +19.27% higher than their 200 day moving average. You can read more about the power of momentum in assessing share price movements on Stockopedia.
What is the IOU Financial PE Ratio?
The IOU Financial PE ratio based on its reported earnings over the past 12 months is null. The shares last closed at CA$0.21.
The PE ratio (or price-to-earnings ratio) is the one of the most popular valuation measures used by stock market investors. It is calculated by dividing a company's price per share by its earnings per share.
The PE ratio can be seen as being expressed in years, in the sense that it shows the number of years of earnings which would be required to pay back the purchase price, ignoring inflation. So in general terms, the higher the PE, the more expensive the stock is.
Who are the key directors of IOU Financial?
IOU Financial's management team is headed by:
- Evan Price - NEC
- Robert Gloer - PRE
- David Kennedy - CFO
- Philippe Marleau - DRC
- Lucas Timberlake - DRC
- Yves Roy - IND
- Neil Wolfson - IND