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CLEAR SECURE INC -CLASS A (YOU) Stock Fundamental Analysis

NYSE:YOU - New York Stock Exchange, Inc. - US18467V1098 - Common Stock - Currency: USD

23.55  +1.16 (+5.18%)

After market: 23.5504 0 (0%)

Fundamental Rating

7

We assign a fundamental rating of 7 out of 10 to YOU. YOU was compared to 284 industry peers in the Software industry. YOU is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. YOU is growing strongly while it also seems undervalued. This is an interesting combination These ratings could make YOU a good candidate for value and growth investing.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

In the past year YOU was profitable.
In the past year YOU had a positive cash flow from operations.
In the past 5 years YOU reported 4 times negative net income.
Of the past 5 years YOU 4 years had a positive operating cash flow.
YOU Yearly Net Income VS EBIT VS OCF VS FCFYOU Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 0 100M -100M 200M

1.2 Ratios

The Return On Assets of YOU (9.36%) is better than 85.87% of its industry peers.
YOU has a Return On Equity of 62.31%. This is amongst the best in the industry. YOU outperforms 97.46% of its industry peers.
With an excellent Return On Invested Capital value of 27.28%, YOU belongs to the best of the industry, outperforming 96.38% of the companies in the same industry.
Industry RankSector Rank
ROA 9.36%
ROE 62.31%
ROIC 27.28%
ROA(3y)-2.69%
ROA(5y)-5.81%
ROE(3y)-7.83%
ROE(5y)-14.09%
ROIC(3y)N/A
ROIC(5y)N/A
YOU Yearly ROA, ROE, ROICYOU Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 0 10 -10 -20 -30

1.3 Margins

YOU has a better Profit Margin (10.93%) than 76.09% of its industry peers.
YOU's Operating Margin of 14.14% is amongst the best of the industry. YOU outperforms 82.97% of its industry peers.
With an excellent Gross Margin value of 85.52%, YOU belongs to the best of the industry, outperforming 92.03% of the companies in the same industry.
In the last couple of years the Gross Margin of YOU has remained more or less at the same level.
Industry RankSector Rank
OM 14.14%
PM (TTM) 10.93%
GM 85.52%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.02%
GM growth 5YN/A
YOU Yearly Profit, Operating, Gross MarginsYOU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 0 20 -20 40 -40 60 80

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7

2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is well above the Cost of Capital (WACC), so YOU is creating value.
Compared to 1 year ago, YOU has less shares outstanding
YOU has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
YOU Yearly Shares OutstandingYOU Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 50M 100M 150M
YOU Yearly Total Debt VS Total AssetsYOU Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

YOU has an Altman-Z score of 4.00. This indicates that YOU is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of YOU (4.00) is comparable to the rest of the industry.
There is no outstanding debt for YOU. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 4
ROIC/WACC1.95
WACC13.99%
YOU Yearly LT Debt VS Equity VS FCFYOU Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 0 100M 200M

2.3 Liquidity

A Current Ratio of 1.07 indicates that YOU should not have too much problems paying its short term obligations.
With a Current ratio value of 1.07, YOU is not doing good in the industry: 73.55% of the companies in the same industry are doing better.
A Quick Ratio of 1.07 indicates that YOU should not have too much problems paying its short term obligations.
YOU has a Quick ratio of 1.07. This is in the lower half of the industry: YOU underperforms 72.83% of its industry peers.
Industry RankSector Rank
Current Ratio 1.07
Quick Ratio 1.07
YOU Yearly Current Assets VS Current LiabilitesYOU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 200M 400M 600M

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7

3. Growth

3.1 Past

YOU shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 94.64%, which is quite impressive.
The Revenue has grown by 28.75% in the past year. This is a very strong growth!
YOU shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.53% yearly.
EPS 1Y (TTM)94.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%42.86%
Revenue 1Y (TTM)28.75%
Revenue growth 3Y38.53%
Revenue growth 5YN/A
Sales Q2Q%23.72%

3.2 Future

The Earnings Per Share is expected to grow by 42.15% on average over the next years. This is a very strong growth
Based on estimates for the next years, YOU will show a quite strong growth in Revenue. The Revenue will grow by 13.48% on average per year.
EPS Next Y107.38%
EPS Next 2Y52.66%
EPS Next 3Y42.15%
EPS Next 5YN/A
Revenue Next Year25.8%
Revenue Next 2Y19.89%
Revenue Next 3Y16.8%
Revenue Next 5Y13.48%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
YOU Yearly Revenue VS EstimatesYOU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2028 2029 2030 200M 400M 600M 800M 1B
YOU Yearly EPS VS EstimatesYOU Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2028 2029 2030 0 0.5 -0.5 1 -1 1.5

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8

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 21.61, the valuation of YOU can be described as rather expensive.
YOU's Price/Earnings ratio is rather cheap when compared to the industry. YOU is cheaper than 80.07% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 29.63, YOU is valued a bit cheaper.
With a Price/Forward Earnings ratio of 17.13, YOU is valued on the expensive side.
Based on the Price/Forward Earnings ratio, YOU is valued cheaply inside the industry as 84.06% of the companies are valued more expensively.
YOU is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 22.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 21.61
Fwd PE 17.13
YOU Price Earnings VS Forward Price EarningsYOU Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, YOU is valued cheaply inside the industry as 85.87% of the companies are valued more expensively.
YOU's Price/Free Cash Flow ratio is rather cheap when compared to the industry. YOU is cheaper than 92.03% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.71
EV/EBITDA 17.17
YOU Per share dataYOU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 1 2 3 4 5

4.3 Compensation for Growth

YOU's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
The decent profitability rating of YOU may justify a higher PE ratio.
A more expensive valuation may be justified as YOU's earnings are expected to grow with 42.15% in the coming years.
PEG (NY)0.2
PEG (5Y)N/A
EPS Next 2Y52.66%
EPS Next 3Y42.15%

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3

5. Dividend

5.1 Amount

With a Yearly Dividend Yield of 2.23%, YOU has a reasonable but not impressive dividend return.
Compared to an average industry Dividend Yield of 12.83, YOU pays a better dividend. On top of this YOU pays more dividend than 95.65% of the companies listed in the same industry.
Compared to an average S&P500 Dividend Yield of 2.27, YOU has a dividend comparable with the average S&P500 company.
Industry RankSector Rank
Dividend Yield 2.23%

5.2 History

YOU has paid a dividend for less than 5 years, so there is no long track record yet.
Dividend Growth(5Y)N/A
Div Incr Years1
Div Non Decr Years1
YOU Yearly Dividends per shareYOU Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 0.2 0.4 0.6 0.8

5.3 Sustainability

YOU pays out 142.06% of its income as dividend. This is not a sustainable payout ratio.
DP142.06%
EPS Next 2Y52.66%
EPS Next 3Y42.15%
YOU Yearly Income VS Free CF VS DividendYOU Yearly Income VS Free CF VS DividendYearly Income VS Free CF VS Dividend 2019 2020 2021 2022 2023 0 50M -50M 100M 150M
YOU Dividend Payout.YOU Dividend Payout, showing the Payout Ratio.YOU Dividend Payout.PayoutRetained Earnings

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CLEAR SECURE INC -CLASS A

NYSE:YOU (2/21/2025, 8:04:00 PM)

After market: 23.5504 0 (0%)

23.55

+1.16 (+5.18%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)11-07 2024-11-07/bmo
Earnings (Next)02-26 2025-02-26/bmo
Inst Owners107.32%
Inst Owner Change-92.23%
Ins Owners6.22%
Ins Owner Change-9.87%
Market Cap3.28B
Analysts70
Price Target32.9 (39.7%)
Short Float %22.37%
Short Ratio11.45
Dividend
Industry RankSector Rank
Dividend Yield 2.23%
Yearly Dividend0.54
Dividend Growth(5Y)N/A
DP142.06%
Div Incr Years1
Div Non Decr Years1
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)10.1%
Min EPS beat(2)-10.11%
Max EPS beat(2)30.31%
EPS beat(4)3
Avg EPS beat(4)22.17%
Min EPS beat(4)-10.11%
Max EPS beat(4)65.34%
EPS beat(8)7
Avg EPS beat(8)70.33%
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)2
Avg Revenue beat(2)0.77%
Min Revenue beat(2)0.59%
Max Revenue beat(2)0.94%
Revenue beat(4)4
Avg Revenue beat(4)1.36%
Min Revenue beat(4)0.59%
Max Revenue beat(4)2.35%
Revenue beat(8)8
Avg Revenue beat(8)2.35%
Revenue beat(12)12
Avg Revenue beat(12)2.21%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0.39%
PT rev (3m)0.39%
EPS NQ rev (1m)3%
EPS NQ rev (3m)3%
EPS NY rev (1m)0%
EPS NY rev (3m)-3.85%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 21.61
Fwd PE 17.13
P/S 4.47
P/FCF 13.71
P/OCF 12.97
P/B 25.45
P/tB 66.54
EV/EBITDA 17.17
EPS(TTM)1.09
EY4.63%
EPS(NY)1.38
Fwd EY5.84%
FCF(TTM)1.72
FCFY7.3%
OCF(TTM)1.82
OCFY7.71%
SpS5.27
BVpS0.93
TBVpS0.35
PEG (NY)0.2
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 9.36%
ROE 62.31%
ROCE 34.54%
ROIC 27.28%
ROICexc N/A
ROICexgc N/A
OM 14.14%
PM (TTM) 10.93%
GM 85.52%
FCFM 32.58%
ROA(3y)-2.69%
ROA(5y)-5.81%
ROE(3y)-7.83%
ROE(5y)-14.09%
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 3Y-0.02%
GM growth 5YN/A
F-Score7
Asset Turnover0.86
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 53.25%
Cap/Sales 1.87%
Interest Coverage 250
Cash Conversion 195.26%
Profit Quality 298%
Current Ratio 1.07
Quick Ratio 1.07
Altman-Z 4
F-Score7
WACC13.99%
ROIC/WACC1.95
Cap/Depr(3y)174.76%
Cap/Depr(5y)182.46%
Cap/Sales(3y)7.66%
Cap/Sales(5y)7.64%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)94.64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%42.86%
EPS Next Y107.38%
EPS Next 2Y52.66%
EPS Next 3Y42.15%
EPS Next 5YN/A
Revenue 1Y (TTM)28.75%
Revenue growth 3Y38.53%
Revenue growth 5YN/A
Sales Q2Q%23.72%
Revenue Next Year25.8%
Revenue Next 2Y19.89%
Revenue Next 3Y16.8%
Revenue Next 5Y13.48%
EBIT growth 1Y505.93%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1939.69%
EBIT Next 3Y209.75%
EBIT Next 5Y103.33%
FCF growth 1Y162.88%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y109.78%
OCF growth 3YN/A
OCF growth 5YN/A