IOU FINANCIAL INC chart

Last update: 2021-02-12
Key statistics and financials
Revenue per share 0.14
Dividend & YieldN/AC$ (N/A)
Beta 2.17
Market capitalization 18.37M
Operating cash flow 6.42M
ESG Scores unknown

Company description

IOU Financial Inc., through its subsidiary, IOU Central Inc., operates an Internet-based commercial lending business in the United States. The company originates and sells commercial loans receivable; and services loans that are sold to institutional purchasers on a non-recourse basis. It serves medical and dental practices, grocery and retail stores, restaurant and hotel franchisees, and e-commerce companies. IOU Financial Inc. was founded in 1977 and is headquartered in Montreal, Canada.

Sector: Financial Services - Industry: Credit Services

Financial data

Financial Statements

Cashflow Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Change To Liabilities 684.58k 206.12k -25.34k 637.16k
Total Cashflows From Investing Activities -150.96k 548.76k 66.5k -775.29k
Net Borrowings -1.28M 19.75M -39.05M -3.67M
Total Cash From Financing Activities -1.75M 19.49M -37.15M -3.61M
Change To Operating Activities -93.27M -115.16M -39.25M -201.94M
Issuance Of Stock 2.1M 2.1M 2.1M 42.77k
Net Income 2.71M 1.52M -2.82M 3.72M
Change In Cash 2.79M -1.43M 4.63M -2.6M
Effect Of Exchange Rate 460.85k -242.31k -184.49k -22.85k
Total Cash From Operating Activities 4.22M -21.22M 41.9M 1.81M
Depreciation 2.81M 3.97M 3.2M 5.47M
Change To Account Receivables
Other Cashflows From Financing Activities -465.57k -81.55k -201.48k 21.4k
Change To Netincome 90.65M 87.69M 80.07M 193.54M
Capital Expenditures -33.89k -42.33k -20.84k -79.31k

Income Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Research Development
Income Before Tax 2.59M 1.64M -2.82M 3.74M
Net Income 2.71M 1.52M -2.82M 3.72M
Selling General Administrative 557.75k 530.98k 588.82k 824.55k
Gross Profit 3.15M 1.69M -2.87M 2.21M
Ebit
Operating Income 2.59M 1.16M -3.46M 1.38M
Interest Expense
Income Tax Expense -115.68k 121.37k 17.91k
Total Revenue 11.13M 11.56M 6.2M 12.56M
Cost Of Revenue 7.98M 9.87M 9.07M 10.36M
Total Other Income ExpenseNet 485.58k 640.47k 2.36M
Net Income From Continuing Ops 2.71M 1.52M -2.82M 3.72M
Net Income Applicable To Common Shares 2.71M 1.52M -2.82M 3.72M

Balance Sheet Statement 2018-12-31 2019-12-31 2020-12-31 2021-12-31
Total Liabilities 31.88M 51.66M 13.56M 11.06M
Total Stockholder Equity 11.86M 13.15M 11.61M 15.51M
Other Current Liabilities 1.37M 1.47M 1.72M 1.47M
Total Assets 43.73M 64.81M 25.17M 26.56M
Common Stock 27.17M 26.99M 28.89M 28.93M
Other Current Assets 2.13M 1.49M 1.38M 1.65M
Retained Earnings -21.92M -20.39M -23.62M -19.9M
Treasury Stock 2.41M 2.08M 1.73M 1.71M
Cash 6.76M 5.33M 9.96M 7.36M
Total Current Liabilities 1.71M 2.04M 2.02M 2.95M
Other Stockholder Equity 2.41M 2.08M 1.73M 1.71M
Property, Plant, and Equipment 178.04k 862.02k 776.18k 332.37k
Total Current Assets 41.49M 61.51M 23.06M 22.38M
Net Tangible Assets 11.71M 13.1M 11.61M 14.74M
Net Receivables 32.6M 54.68M 11.71M 13.37M
Accounts Payable 341.11k 573.88k 252.1k 567.5k


Insider Transactions

Here are the insider transactions of stock shares related to IOU FINANCIAL INC:

Filer Name Transaction Text Ownership Date Filer Relation Shares
Miller (Kathleen M)D2022-02-01Director of Issuer
Gloer, Robert LouisAcquisition or disposition in the public market at price 0.17 per share.D2021-09-09Director or Senior Officer of Insider or Subsidiary of Issuer (other than in 4,5,6)9k

Insider transaction explanations

Insider buying is the legal purchase of shares by a senior executive or director of a company. "Filer Name" corresponds to the name of the stock buyer or seller. "Transaction Text" describes the transaction. "Ownership" gives information about the transaction type. "Date" is the reported transaction date. "Filer Relation" gives the role of the insider in the company. "Shares" is the value of the transaction. You will find the complete description of the General Transaction Codes on the SEC dedicated page


Investment strategy backtesting

These are the result of three automatic investment systems applied to IOU FINANCIAL INC. You will find the performance of an systematic investment system, a momentum strategy, and a buy the dip trading strategy.


Systematic investment results on IOU FINANCIAL INC

Here is the result of two systematic investment strategies applied to IOU FINANCIAL INC. The first strategy automatically buys the first day of the month, and the second strategy buys the fifteenth day of the month.

Systematic investment equity curve on IOU FINANCIAL INC

The following chart shows the equity curve of the two systematic investment strategies applied to IOU FINANCIAL INC:

IOU FINANCIAL INC automated entries

The systematic investment strategy that buys the first day of the month would give a performance of -35.56% on the backtest period.

Performance at glance

Performance

-35.56 %

Latent gain

-800.13 C$

Invested capital

2249.97 C$

Annualized return

-8.01 %
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Momentum strategy results on IOU FINANCIAL INC

This is the result of two momentum investment strategies applied to IOU FINANCIAL INC. The first strategy uses a momentum signal calculated on one quarter, and the second uses a momentum signal calculated on two quarters.

Momentum entry openings on IOU FINANCIAL INC

The following chart shows all the entries opened by the momentum investment system on IOU FINANCIAL INC:

IOU FINANCIAL INC momentum entries
  • The first momentum investment strategy would give -17.6% of return on IOU FINANCIAL INC. That represents -1232.17C$ of latent gain with 7000.33C$ of employed capital.
  • The second momentum investment strategy would give -13.54% of return on IOU FINANCIAL INC. That represents -575.5C$ of latent gain with 4250.02C$ of employed capital.
Performance at glance (1Q Momentum)

Performance

-17.6 %

Latent gain

-1232.17 C$

Invested capital

7000.33 C$

Annualized return

-17.21 %
Performance at glance (2Q Momentum)

Performance

-13.54 %

Latent gain

-575.5 C$

Invested capital

4250.02 C$

Annualized return

-3.42 %

Momentum equity curve on IOU FINANCIAL INC

The following chart shows the equity curve of the two momentum strategies applied to IOU FINANCIAL INC:

IOU FINANCIAL INC momentum equity

Note: the dividends potentially given by IOU FINANCIAL INC are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on IOU FINANCIAL INC

The following chart shows the employed capital evolution of the two momentum strategies on IOU FINANCIAL INC since the beginning:

IOU FINANCIAL INC

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250C$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000C$.


Buy the dip strategy result on IOU FINANCIAL INC

Buy the dip entry openings on IOU FINANCIAL INC

IOU FINANCIAL INC

The performance achieved by the robo-advisor on IOU FINANCIAL INC is -42.0%. That represents -525.04$ of latent gain with 1250.08C$ of employed capital. The following chart shows IOU FINANCIAL INC stock price with all the entries opened by the automated investment system.

Note: The blue line represents the weekly stock price of IOU FINANCIAL INC, and the green triangles represent the entry openings. The artificall robo-advisor needs at least 100 weeks of trading history to work.

Performance at glance

Performance

-42.0 %

Latent gain

-525.04 C$

Invested capital

1250.08 C$

Annualized return

-17.21 %

Equity curve of the strategy applied to IOU FINANCIAL INC

The following chart shows the result of the investment strategy applied to IOU FINANCIAL INC:

IOU FINANCIAL INC

Note: the dividends potentially given by IOU FINANCIAL INC are not integrated into the calculation of the equity curve neither the performance of the strategy. The integration of the dividends will be available soon.


Employed capital on IOU FINANCIAL INC

The following chart shows the employed capital evolution since the beginning of the investment strategy on IOU FINANCIAL INC:

IOU FINANCIAL INC

Note: the algorithm buys for a maximum of 250$ per entry. If the stock price is greater than 250$, the system buys only one stock per entry. The investment system stops automatically when the financial exposure reaches 10000$.


Investment strategies comparison on IOU FINANCIAL INC

In this section, I will compare the three previous investment strategies applied to IOU FINANCIAL INC.

Equity curve comparison on IOU FINANCIAL INC

The following chart shows the equity curve of the artificall advisor, the trend folowing and the automatic investment strategies:

IOU FINANCIAL INC investment strategy comparison

Employed capital comparison on IOU FINANCIAL INC

IOU FINANCIAL INC investment comparison

Performance comparison on IOU FINANCIAL INC

Strategy Latent Profit Growth Employed capital CAGR
Automatic investment -35.56% -800.13C$ 2249.97C$ -8.01%
Momentum 1 quarter -17.6% -1232.17C$ 7000.33C$ -4.19%
Momentum 2 quarters -13.54% -575.5C$ 4250.02C$ -3.42%
Non-directional -42.0% -525.04C$ 1250.08C$ -17.21%
Annualized return comparison

Automatic investment

-8.01 %

Momentum 1Q

-3.42 %

Momentum 2Q

-3.42 %

Non-directional

-17.21 %

Correlated stocks

Here are the most positively and negatively correlated stocks with IOU FINANCIAL INC:

Positive correlations

Most correlated stocks this year


Most correlated stocks last 3 months

Negative correlation

Most negatively correlated stocks this year


Most negatively correlated stocks last 3 months

Note: The algorithm computes the probability of correlation between IOU FINANCIAL INC and the other stocks. There may be false positives or some missing correlated stocks. If the price of IOU FINANCIAL INC does not vary for 36 weeks, the correlation calculation result will be wrong.


Company information

Company name IOU FINANCIAL INC
Country Canada
City Montreal
Address 1 Place Ville-Marie
Phone
Website www.ioufinancial.com
FullTime employees 66
Industry Credit Services
Sector Financial Services
Exchange XTSX
Ticker IOU.XTSX
Market www.tsx.com

IOU FINANCIAL INC ESG Scores

Environment scores

Environment ESG Factors Scores
Environment Score 0
Peer Environment Performance unknown
Environment Percentile unknown
Palm Oil unknown
Nuclear unknown
Fur Leather unknown
GMO unknown
Coal unknown
Pesticides unknown
Animal Testing unknown

Social scores

Social ESG Factors Scores
Social Score 0
Peer Social Performance unknown
Social Percentile unknown
Highest Controversy unknown
Peer Highest Controversy Performance unknown
Adult unknown
Gambling unknown
Alcoholic unknown
Tobacco unknown
Catholic unknown
Controversial Weapons unknown
Small Arms unknown
Military Contract unknown
Peer Count unknown

Related Controversy:


Governance scores

Governance ESG Factors Scores
Governance Score 0
Peer Governance Performance unknown
Governance Percentile unknown

ESG at glance
Total ESG Scores: unknown
Environment Score: 0
Social Score: 0
Governance Score: 0

ESG Performance: unknown

Peer Group: unknown

Peer Esg Score Performance: unknown

Rating Year: unknown

Rating Month: unknown

Max Age: unknown

Percentile: unknown