On the stock market since 2004, it operates in the world of money and finance. Now — the numbers.
This is an established company with proven profits.
Average growth of 23% a year over the last 4 years. Red columns mark years that ended in a loss.
Executives buying with their own money is usually read as confidence in the company’s future.
angles, checked one by one.
The 2 that stand out are on screen; the rest came back neutral.
The council scores out of 10; report-card grades are out of 100.
The stock trades below its recent peak — about 8% off the top. A pullback, not a collapse.
The net profit margin is 154% — the profit kept from each dollar of revenue is the company’s cushion in hard quarters.
Over the last 3 years, sales grew about 12% a year on average.
Over the last 12 months, company executives reported 8 buys and 1 sell. Management buying with its own money is usually read as a good sign.
The price action doesn’t yet back an upward turn. Council score: 3/10.
On our five-subject report card, UTF sits in the middle of the class: some subjects shine, others don’t. The grade moves as the numbers move.
The takeaway: UTF is an established business that has proven its profits for years. The real debate isn’t the quality of the business — it’s whether the price paid for the stock is too high.