IOU Financial Inc. (IOUFF)

IOU Financial Inc. (IOUFF) — VMCI valuation read

Across 120 indicators, IOU Financial Inc. (IOUFF) lands at VMCI 48/100. The Financial Services sector median is 50, so the 2-point below-median read is the active comparison. Pillar weighting on the score: Value 35%, Quality 30%, Integrity 15%, Growth 12%, Risk 8%.

No material Form 4 disclosures landed on IOUFF in the past 30 days. Quiet insider tape removes one signal source; the active reads stay with the trailing-twelve-month financials and the next 10-Q.

**Investor frame.** On Value, IOUFF trades at 25.0x earnings, 39% above the Financial Services median of 18.0x; the EV/EBITDA delta of -2.0x reinforces that single line. On Quality, ROIC of 17.0% sits 7.0pp above the Financial Services median (10.0%). On Risk, net debt to EBITDA of 0.5x leaves covenant headroom for IOUFF on the trailing balance sheet.

IOUFF fell 1.7% over the trailing 7 days, with a +2.3% read on a 30-day basis.