Complete financial analysis of IOU Financial Inc. (IOUFF) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of IOU Financial Inc., a leading company in the Financial – Credit Services industry within the Financial Services sector.
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IOU Financial Inc. (IOUFF)
Industry: Financial - Credit Services
Sector: Financial Services
Website: https://www.ioufinancial.com
About IOU Financial Inc.
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.
| Metric | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2007 | 2006 | 2005 | 2004 | 2003 | 2002 | 2001 | 2000 | 1999 | 1998 | 1997 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | 28.52M | 16.57M | 16.80M | 22.83M | 18.48M | 15.32M | 16.85M | 14.08M | 8.00M | 3.59M | 712.42K | 141.61K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 77.95K | 2.15M | 66.06M | 58.77M | 60.24M | 58.20M | 49.80M | 44.70M |
| Cost of Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 8.04M | 11.91M | 10.51M | 4.26M | 1.09M | 2.03M | 782.48K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 785.86K | 62.48M | 56.73M | 57.07M | 54.60M | 46.70M | 42.50M |
| Gross Profit | 28.52M | 16.57M | 16.80M | 22.83M | 10.44M | 3.40M | 6.34M | 9.82M | 6.91M | 1.56M | -70.06K | 141.61K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 77.95K | 1.37M | 3.58M | 2.04M | 3.17M | 3.60M | 3.10M | 2.20M |
| Gross Profit Ratio | 100.00% | 100.00% | 100.00% | 100.00% | 56.51% | 22.22% | 37.64% | 69.73% | 86.39% | 43.54% | -9.83% | 100.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 100.00% | 63.51% | 5.42% | 3.47% | 5.26% | 6.19% | 6.22% | 4.92% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 11.35M | 7.22M | 5.25M | 6.01M | 5.21M | 5.26M | 6.71M | 6.34M | 4.02M | 1.95M | 1.12M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Selling & Marketing | 1.44M | 686.40K | 440.35K | 394.63K | 237.23K | 222.10K | 809.60K | 1.18M | 238.00K | 176.89K | 106.39K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 12.78M | 7.90M | 5.69M | 6.40M | 5.45M | 5.48M | 7.52M | 7.52M | 4.26M | 2.13M | 1.22M | 1.26M | 147.69K | 0.00 | 0.00 | 55.80K | 88.01K | 85.89K | 276.20K | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Other Expenses | -41.15M | -20.73M | -25.32M | -27.59M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Operating Expenses | -28.37M | -12.83M | -19.62M | -21.19M | 7.82M | 9.17M | 11.11M | 11.49M | 6.20M | 3.51M | 2.27M | 1.26M | 147.69K | 55.62K | 61.51K | 55.80K | 88.01K | 85.89K | 276.20K | 49.21K | 1.10M | 805.34K | 803.98K | 600.00K | 500.00K | 600.00K |
| Cost & Expenses | -28.37M | -12.83M | -19.62M | -21.19M | 15.86M | 21.08M | 21.62M | 15.75M | 7.29M | 5.54M | 3.05M | 1.26M | 147.69K | 55.62K | 61.51K | 55.80K | 88.01K | 85.89K | 276.20K | 835.07K | 63.58M | 57.53M | 57.88M | 55.20M | 47.20M | 43.10M |
| Interest Income | 87.05K | 986.09K | 11.82M | 17.86M | 13.46M | 14.39M | 13.31M | 6.76M | 2.92M | 3.22M | 1.25M | 84.47K | 860.00 | 151.00 | 144.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Interest Expense | 802.13K | 1.48M | 3.06M | 4.00M | 3.36M | 3.68M | 3.18M | 1.74M | 656.54K | 709.19K | 193.44K | 84.47K | 860.00 | 151.00 | 144.00 | 0.00 | 192.00 | 556.00 | 14.00 | 49.21K | 368.93K | 652.15K | 660.26K | 0.00 | 600.00K | 500.00K |
| Depreciation & Amortization | 10.54M | 317.78K | 255.84K | 348.39K | 137.56K | 133.88K | 246.05K | 111.42K | 73.78K | 92.01K | 97.27K | 111.42K | 0.00 | 0.00 | 0.00 | 0.00 | -176.01K | -171.78K | -396.49K | 0.00 | 734.25K | 808.93K | 803.98K | 600.00K | 500.00K | 600.00K |
| EBITDA | 10.69M | 4.06M | -2.56M | 1.99M | 3.44M | -3.54M | -3.98M | -3.67M | -1.05M | -1.40M | -1.67M | -1.09M | -147.69K | -55.62K | -61.51K | -56.07K | -88.01K | -85.89K | -198.25K | 1.32M | 3.21M | 2.05M | 3.17M | 3.20M | 3.10M | 2.20M |
| EBITDA Ratio | 37.49% | 24.50% | -15.26% | 8.73% | 18.63% | -23.08% | -23.60% | -26.05% | -13.18% | -38.98% | -234.28% | -771.08% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -254.32% | 61.22% | 4.86% | 3.48% | 5.26% | 5.50% | 6.22% | 4.92% |
| Operating Income | 157.14K | 3.74M | -2.82M | 1.64M | 3.31M | -3.67M | 4.67M | 3.90M | 1.32M | 1.44M | 1.80M | -1.20M | -147.69K | -55.62K | -61.51K | -56.07K | 88.01K | 85.89K | 198.25K | 1.32M | 2.47M | 1.24M | 2.37M | 2.60M | 2.60M | 1.60M |
| Operating Income Ratio | 0.55% | 22.58% | -16.78% | 7.20% | 17.88% | -23.96% | 27.72% | 27.68% | 16.48% | 40.21% | 252.30% | -849.76% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 254.32% | 61.22% | 3.75% | 2.10% | 3.93% | 4.47% | 5.22% | 3.58% |
| Total Other Income/Expenses | 0.00 | 0.00 | -39.24M | 0.00 | -24.99K | -684.68K | -9.34M | -7.80M | -2.64M | -2.89M | -3.59M | -1.30M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -172.01K | -396.51K | 0.00 | -2.10M | -657.58K | -646.81K | 100.00K | -600.00K | -500.00K |
| Income Before Tax | 157.14K | 3.74M | -2.82M | 1.64M | 2.59M | -4.35M | -4.67M | -3.90M | -1.32M | -1.44M | -1.80M | -2.51M | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | -86.12K | -198.26K | 1.32M | 374.40K | 578.60K | 1.72M | 2.70M | 2.00M | 1.10M |
| Income Before Tax Ratio | 0.55% | 22.58% | -16.78% | 7.20% | 14.04% | -28.43% | -27.72% | -27.68% | -16.48% | -40.21% | -252.30% | -1,770.93% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -254.34% | 61.22% | 0.57% | 0.98% | 2.85% | 4.64% | 4.02% | 2.46% |
| Income Tax Expense | 118.31K | 17.91K | 0.00 | 121.37K | -115.68K | 101.11K | 137.98K | -239.09K | 90.60K | 38.40K | 62.18K | 0.00 | 148.55K | 55.77K | 61.65K | 56.07K | 176.20K | 0.00 | -101.98K | 218.57K | 204.33K | 292.35K | 656.56K | 1.10M | 800.00K | 100.00K |
| Net Income | 38.83K | 3.72M | -2.82M | 1.52M | 2.71M | -4.46M | -4.81M | -3.66M | -1.32M | -1.44M | -1.80M | -2.51M | -148.55K | -55.77K | -61.65K | -56.07K | -88.20K | -86.12K | -96.28K | 1.10M | 170.08K | 286.26K | 1.06M | 1.60M | 1.20M | 1.00M |
| Net Income Ratio | 0.14% | 22.47% | -16.78% | 6.67% | 14.66% | -29.09% | -28.53% | -25.98% | -16.48% | -40.21% | -252.30% | -1,770.93% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | -123.51% | 51.08% | 0.26% | 0.49% | 1.76% | 2.75% | 2.41% | 2.24% |
| EPS | 0.00 | 0.04 | -0.03 | 0.02 | 0.03 | -0.05 | -0.08 | -0.06 | -0.03 | -0.03 | -0.05 | -0.09 | -0.02 | -0.01 | -0.01 | -0.01 | -0.02 | -0.02 | -0.02 | 0.27 | 0.04 | 0.07 | 0.24 | 0.36 | 0.28 | 0.22 |
| EPS Diluted | 0.00 | 0.03 | -0.03 | 0.02 | 0.03 | -0.05 | -0.08 | -0.06 | -0.03 | -0.03 | -0.05 | -0.09 | -0.02 | -0.01 | -0.01 | -0.01 | -0.02 | -0.02 | -0.02 | 0.27 | 0.04 | 0.07 | 0.24 | 0.36 | 0.28 | 0.22 |
| Weighted Avg Shares Out | 105.34M | 104.75M | 87.85M | 87.55M | 87.83M | 81.26M | 63.56M | 57.87M | 50.89M | 45.17M | 38.81M | 26.90M | 9.67M | 4.23M | 4.23M | 4.23M | 4.23M | 4.23M | 4.23M | 4.11M | 4.02M | 4.18M | 4.34M | 4.44M | 4.29M | 4.55M |
| Weighted Avg Shares Out (Dil) | 105.34M | 106.90M | 87.85M | 87.55M | 87.83M | 81.26M | 63.56M | 57.87M | 50.89M | 45.17M | 38.81M | 26.90M | 9.67M | 4.23M | 4.23M | 4.23M | 4.23M | 4.23M | 4.23M | 4.11M | 4.02M | 4.18M | 4.34M | 4.44M | 4.29M | 4.55M |
Neuberger Berman, Palos Capital and FinTech Ventures Complete Acquisition of IOU Financial
MONTREAL , Sept. 29, 2023 /PRNewswire/ - IOU Financial Inc. (TSXV: IOU) ("IOU" or the "Company") today announced the completion of the transaction under which 9494-3677 Québec Inc. (the "Purchaser"), a corporation created by a group composed of (i) funds...
IOU Financial Inc. Obtains Final Order Approving Plan of Arrangement
MONTREAL , Sept. 15, 2023 /PRNewswire/ - IOU Financial Inc. (TSXV: IOU) ("IOU" or the "Company") today announced that it has obtained a final order from the Superior Court of Québec approving the previously-announced statutory plan of arrangement under the...
IOU Financial Inc. Announces Voting Results of Special Meeting of Shareholders
MONTREAL , Sept. 12, 2023 /PRNewswire/ - IOU Financial Inc. (TSXV: IOU) ("IOU" or the "Company") today announced the positive outcome of the vote of the IOU shareholders (the "Shareholders") at this morning's special meeting of the Shareholders (the "Meeting")...
IOU Financial Inc. Files Management Information Circular for Special Shareholders' Meeting
Board of Directors Unanimously Recommends that Shareholders Vote FOR the Arrangement MONTREAL , Aug. 16, 2023 /PRNewswire/ - IOU Financial Inc. (TSXV: IOU) ("IOU" or the "Company") today announced that it has filed and is in the process of mailing...
IOU Financial Inc. Calls Special Shareholders' Meeting for Going-Private Transaction
Meeting to be held on September 12, 2023 in Virtual-Only Format MONTREAL , Aug. 10, 2023 /PRNewswire/ - IOU Financial Inc. (TSXV: IOU) ("IOU" or the "Company") today announced that the Superior Court of Québec (the "Court") has issued an...
IOU Financial Reports Results of its Annual Shareholders' Meeting
MONTREAL, June 10, 2021 /PRNewswire/ - IOU Financial Inc. ("IOU Financial" or the "Company") (TSXV: IOU), a leading online lender to small businesses (IOUFinancial.com), today reported the results of the Annual General and Special Meeting of Shareholders held on this...
Source: https://incomestatements.info
Category: Stock Reports