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UNIFIEDPOST GROUP SA (UPG.BR) Stock Fundamental Analysis

EBR:UPG - Euronext Brussels - BE0974371032 - Common Stock - Currency: EUR

3.24  -0.02 (-0.61%)

Fundamental Rating

3

Overall UPG gets a fundamental rating of 3 out of 10. We evaluated UPG against 101 industry peers in the Software industry. Both the profitability and financial health of UPG have multiple concerns. UPG has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

1. Profitability

1.1 Basic Checks

In the past year UPG was profitable.
In the past year UPG had a positive cash flow from operations.
UPG had negative earnings in 4 of the past 5 years.
In multiple years UPG reported negative operating cash flow during the last 5 years.
UPG.BR Yearly Net Income VS EBIT VS OCF VS FCFUPG.BR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M -50M

1.2 Ratios

Looking at the Return On Assets, with a value of 14.40%, UPG belongs to the top of the industry, outperforming 89.90% of the companies in the same industry.
The Return On Equity of UPG (31.57%) is better than 91.92% of its industry peers.
Industry RankSector Rank
ROA 14.4%
ROE 31.57%
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
UPG.BR Yearly ROA, ROE, ROICUPG.BR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 100 -100

1.3 Margins

UPG has a Profit Margin of 34.65%. This is amongst the best in the industry. UPG outperforms 92.93% of its industry peers.
The Gross Margin of UPG (46.10%) is worse than 69.70% of its industry peers.
In the last couple of years the Gross Margin of UPG has declined.
Industry RankSector Rank
OM N/A
PM (TTM) 34.65%
GM 46.1%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y11.3%
GM growth 5Y-1.57%
UPG.BR Yearly Profit, Operating, Gross MarginsUPG.BR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

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3

2. Health

2.1 Basic Checks

UPG does not have a ROIC to compare to the WACC, probably because it is not profitable.
UPG has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
UPG.BR Yearly Shares OutstandingUPG.BR Yearly Shares OutstandingYearly Shares Outstanding 2017 2018 2019 2020 2021 10M 20M 30M
UPG.BR Yearly Total Debt VS Total AssetsUPG.BR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2017 2018 2019 2020 2021 100M 200M 300M

2.2 Solvency

Based on the Altman-Z score of -0.28, we must say that UPG is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -0.28, UPG is not doing good in the industry: 76.77% of the companies in the same industry are doing better.
A Debt/Equity ratio of 0.24 indicates that UPG is not too dependend on debt financing.
UPG has a Debt to Equity ratio of 0.24. This is in the better half of the industry: UPG outperforms 60.61% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF N/A
Altman-Z -0.28
ROIC/WACCN/A
WACC7.74%
UPG.BR Yearly LT Debt VS Equity VS FCFUPG.BR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

A Current Ratio of 1.08 indicates that UPG should not have too much problems paying its short term obligations.
UPG has a worse Current ratio (1.08) than 61.62% of its industry peers.
UPG has a Quick Ratio of 1.07. This is a normal value and indicates that UPG is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.07, UPG is in line with its industry, outperforming 42.42% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.08
Quick Ratio 1.07
UPG.BR Yearly Current Assets VS Current LiabilitesUPG.BR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2017 2018 2019 2020 2021 50M 100M

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5

3. Growth

3.1 Past

UPG shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 153.84%, which is quite impressive.
The Revenue has decreased by -9.58% in the past year.
Measured over the past years, UPG shows a quite strong growth in Revenue. The Revenue has been growing by 12.22% on average per year.
EPS 1Y (TTM)153.84%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%214.34%
Revenue 1Y (TTM)-9.58%
Revenue growth 3Y-21.17%
Revenue growth 5Y12.22%
Sales Q2Q%-14.94%

3.2 Future

The Earnings Per Share is expected to grow by 25.99% on average over the next years. This is a very strong growth
Based on estimates for the next years, UPG will show a quite strong growth in Revenue. The Revenue will grow by 8.05% on average per year.
EPS Next Y35.48%
EPS Next 2Y27.51%
EPS Next 3Y25.99%
EPS Next 5YN/A
Revenue Next Year8.83%
Revenue Next 2Y6.91%
Revenue Next 3Y8.05%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
UPG.BR Yearly Revenue VS EstimatesUPG.BR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 50M 100M 150M
UPG.BR Yearly EPS VS EstimatesUPG.BR Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 -0.2 -0.4 -0.6 -0.8 -1

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4

4. Valuation

4.1 Price/Earnings Ratio

UPG is valuated cheaply with a Price/Earnings ratio of 2.57.
98.99% of the companies in the same industry are more expensive than UPG, based on the Price/Earnings ratio.
Compared to an average S&P500 Price/Earnings ratio of 29.35, UPG is valued rather cheaply.
UPG is expected to report negative earnings next year, which makes the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE 2.57
Fwd PE N/A
UPG.BR Price Earnings VS Forward Price EarningsUPG.BR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30 40

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
UPG.BR Per share dataUPG.BR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 2 3

4.3 Compensation for Growth

UPG's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
UPG's earnings are expected to grow with 25.99% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.07
PEG (5Y)N/A
EPS Next 2Y27.51%
EPS Next 3Y25.99%

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0

5. Dividend

5.1 Amount

UPG does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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UNIFIEDPOST GROUP SA

EBR:UPG (3/7/2025, 7:00:00 PM)

3.24

-0.02 (-0.61%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)02-27 2025-02-27/amc
Earnings (Next)05-23 2025-05-23
Inst Owners2%
Inst Owner ChangeN/A
Ins OwnersN/A
Ins Owner ChangeN/A
Market Cap120.30M
Analysts77.14
Price Target4.76 (46.91%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly Dividend0
Dividend Growth(5Y)N/A
DP0%
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)-23.46%
EPS NY rev (3m)12.28%
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)8.83%
Revenue NY rev (3m)11.54%
Valuation
Industry RankSector Rank
PE 2.57
Fwd PE N/A
P/S 0.9
P/FCF N/A
P/OCF 34.37
P/B 0.82
P/tB N/A
EV/EBITDA N/A
EPS(TTM)1.26
EY38.89%
EPS(NY)-0.5
Fwd EYN/A
FCF(TTM)-0.34
FCFYN/A
OCF(TTM)0.09
OCFY2.91%
SpS3.62
BVpS3.97
TBVpS-0.3
PEG (NY)0.07
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 14.4%
ROE 31.57%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 34.65%
GM 46.1%
FCFM N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y11.3%
GM growth 5Y-1.57%
F-Score6
Asset Turnover0.42
Health
Industry RankSector Rank
Debt/Equity 0.24
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 63.24%
Cap/Sales 12.1%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.08
Quick Ratio 1.07
Altman-Z -0.28
F-Score6
WACC7.74%
ROIC/WACCN/A
Cap/Depr(3y)76.06%
Cap/Depr(5y)83.48%
Cap/Sales(3y)13.66%
Cap/Sales(5y)14.56%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)153.84%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%214.34%
EPS Next Y35.48%
EPS Next 2Y27.51%
EPS Next 3Y25.99%
EPS Next 5YN/A
Revenue 1Y (TTM)-9.58%
Revenue growth 3Y-21.17%
Revenue growth 5Y12.22%
Sales Q2Q%-14.94%
Revenue Next Year8.83%
Revenue Next 2Y6.91%
Revenue Next 3Y8.05%
Revenue Next 5YN/A
EBIT growth 1Y-72.11%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year204.68%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-458.76%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-76.39%
OCF growth 3Y-4.85%
OCF growth 5YN/A