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

USA - NYSE:YOU - US18467V1098 - Common Stock

37.07 USD
+0.2 (+0.54%)
Last: 9/18/2025, 8:04:00 PM
37.15 USD
+0.08 (+0.22%)
After Hours: 9/18/2025, 8:04:00 PM
Fundamental Rating

5

Overall YOU gets a fundamental rating of 5 out of 10. We evaluated YOU against 280 industry peers in the Software industry. YOU has an average financial health and profitability rating. YOU has a correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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6

1. Profitability

1.1 Basic Checks

YOU had positive earnings in the past year.
YOU had a positive operating cash flow in the past year.
In multiple years YOU reported negative net income over the last 5 years.
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 2024 0 100M -100M 200M

1.2 Ratios

The Return On Assets of YOU (14.99%) is better than 91.43% of its industry peers.
Looking at the Return On Equity, with a value of 145.77%, YOU belongs to the top of the industry, outperforming 99.64% of the companies in the same industry.
With an excellent Return On Invested Capital value of 27.31%, YOU belongs to the best of the industry, outperforming 96.07% of the companies in the same industry.
Industry RankSector Rank
ROA 14.99%
ROE 145.77%
ROIC 27.31%
ROA(3y)3.52%
ROA(5y)0.42%
ROE(3y)25.02%
ROE(5y)10.15%
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 2024 0 20 -20 40 60 80

1.3 Margins

YOU has a Profit Margin of 21.17%. This is amongst the best in the industry. YOU outperforms 86.79% of its industry peers.
YOU has a better Operating Margin (17.81%) than 85.36% of its industry peers.
YOU has a Gross Margin of 85.79%. This is amongst the best in the industry. YOU outperforms 93.57% of its industry peers.
YOU's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 17.81%
PM (TTM) 21.17%
GM 85.79%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y0.14%
GM growth 5Y0.59%
YOU Yearly Profit, Operating, Gross MarginsYOU Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60 80

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6

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
Compared to 5 years ago, YOU has less shares outstanding
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.
YOU Yearly Shares OutstandingYOU Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 2024 200M 400M 600M 800M 1B

2.2 Solvency

An Altman-Z score of 3.91 indicates that YOU is not in any danger for bankruptcy at the moment.
YOU has a better Altman-Z score (3.91) than 63.93% of its industry peers.
YOU has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.91
ROIC/WACC2.48
WACC11.02%
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 2024 0 100M 200M

2.3 Liquidity

A Current Ratio of 0.87 indicates that YOU may have some problems paying its short term obligations.
With a Current ratio value of 0.87, YOU is not doing good in the industry: 78.57% of the companies in the same industry are doing better.
A Quick Ratio of 0.87 indicates that YOU may have some problems paying its short term obligations.
With a Quick ratio value of 0.87, YOU is not doing good in the industry: 78.21% of the companies in the same industry are doing better.
Industry RankSector Rank
Current Ratio 0.87
Quick Ratio 0.87
YOU Yearly Current Assets VS Current LiabilitesYOU Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M

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5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 81.00% over the past year.
The Revenue has grown by 19.85% in the past year. This is quite good.
Measured over the past years, YOU shows a very strong growth in Revenue. The Revenue has been growing by 31.99% on average per year.
EPS 1Y (TTM)81%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-23.53%
Revenue 1Y (TTM)19.85%
Revenue growth 3Y44.76%
Revenue growth 5Y31.99%
Sales Q2Q%17.52%

3.2 Future

YOU is expected to show a decrease in Earnings Per Share. In the coming years, the EPS will decrease by -1.67% yearly.
YOU is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.27% yearly.
EPS Next Y-41.18%
EPS Next 2Y-15.02%
EPS Next 3Y-1.67%
EPS Next 5YN/A
Revenue Next Year15.75%
Revenue Next 2Y13.36%
Revenue Next 3Y11.29%
Revenue Next 5Y9.27%

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
YOU Yearly Revenue VS EstimatesYOU Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 200M 400M 600M 800M 1B
YOU Yearly EPS VS EstimatesYOU Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 0 0.5 -0.5 1 -1 1.5

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4

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 20.48, the valuation of YOU can be described as rather expensive.
76.07% of the companies in the same industry are more expensive than YOU, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of YOU to the average of the S&P500 Index (27.41), we can say YOU is valued slightly cheaper.
With a Price/Forward Earnings ratio of 28.20, YOU can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of YOU indicates a somewhat cheap valuation: YOU is cheaper than 66.07% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.88, YOU is valued a bit more expensive.
Industry RankSector Rank
PE 20.48
Fwd PE 28.2
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

YOU's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. YOU is cheaper than 78.93% of the companies in the same industry.
88.57% of the companies in the same industry are more expensive than YOU, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 16.15
EV/EBITDA 21.46
YOU Per share dataYOU EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

YOU has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-15.02%
EPS Next 3Y-1.67%

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3

5. Dividend

5.1 Amount

YOU has a Yearly Dividend Yield of 1.69%.
YOU's Dividend Yield is rather good when compared to the industry average which is at 40.27. YOU pays more dividend than 96.07% of the companies in the same industry.
YOU's Dividend Yield is slightly below the S&P500 average, which is at 2.38.
Industry RankSector Rank
Dividend Yield 1.69%

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 Years0
Div Non Decr Years0
YOU Yearly Dividends per shareYOU Yearly Dividends per shareYearly Dividends per share 2022 2023 2024 2025 0.2 0.4 0.6 0.8

5.3 Sustainability

39.80% of the earnings are spent on dividend by YOU. This is a low number and sustainable payout ratio.
DP39.8%
EPS Next 2Y-15.02%
EPS Next 3Y-1.67%
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 2024 0 100M 200M
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 (9/18/2025, 8:04:00 PM)

After market: 37.15 +0.08 (+0.22%)

37.07

+0.2 (+0.54%)

Chartmill FA Rating
GICS IndustryGroupSoftware & Services
GICS IndustrySoftware
Earnings (Last)08-05 2025-08-05/bmo
Earnings (Next)11-05 2025-11-05/bmo
Inst Owners108.02%
Inst Owner Change2.2%
Ins Owners9.06%
Ins Owner Change-13.8%
Market Cap4.93B
Analysts70
Price Target34.83 (-6.04%)
Short Float %18.31%
Short Ratio9.99
Dividend
Industry RankSector Rank
Dividend Yield 1.69%
Yearly Dividend0.47
Dividend Growth(5Y)N/A
DP39.8%
Div Incr Years0
Div Non Decr Years0
Ex-Date09-10 2025-09-10 (0.125)
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)11.95%
Min EPS beat(2)7.9%
Max EPS beat(2)15.99%
EPS beat(4)3
Avg EPS beat(4)54.15%
Min EPS beat(4)-10.11%
Max EPS beat(4)202.79%
EPS beat(8)7
Avg EPS beat(8)50.16%
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)0.86%
Min Revenue beat(2)0.6%
Max Revenue beat(2)1.11%
Revenue beat(4)4
Avg Revenue beat(4)0.92%
Min Revenue beat(4)0.6%
Max Revenue beat(4)1.11%
Revenue beat(8)8
Avg Revenue beat(8)1.45%
Revenue beat(12)12
Avg Revenue beat(12)2%
Revenue beat(16)16
Avg Revenue beat(16)1.94%
PT rev (1m)12.21%
PT rev (3m)13.27%
EPS NQ rev (1m)7.61%
EPS NQ rev (3m)-5.32%
EPS NY rev (1m)1.64%
EPS NY rev (3m)-28.78%
Revenue NQ rev (1m)0.42%
Revenue NQ rev (3m)1.64%
Revenue NY rev (1m)1.29%
Revenue NY rev (3m)1.33%
Valuation
Industry RankSector Rank
PE 20.48
Fwd PE 28.2
P/S 5.9
P/FCF 16.15
P/OCF 15.3
P/B 40.61
P/tB 104.05
EV/EBITDA 21.46
EPS(TTM)1.81
EY4.88%
EPS(NY)1.31
Fwd EY3.55%
FCF(TTM)2.3
FCFY6.19%
OCF(TTM)2.42
OCFY6.54%
SpS6.29
BVpS0.91
TBVpS0.36
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 14.99%
ROE 145.77%
ROCE 34.57%
ROIC 27.31%
ROICexc N/A
ROICexgc N/A
OM 17.81%
PM (TTM) 21.17%
GM 85.79%
FCFM 36.52%
ROA(3y)3.52%
ROA(5y)0.42%
ROE(3y)25.02%
ROE(5y)10.15%
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 3Y0.14%
GM growth 5Y0.59%
F-Score7
Asset Turnover0.71
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 62.17%
Cap/Sales 2.03%
Interest Coverage 250
Cash Conversion 182.92%
Profit Quality 172.51%
Current Ratio 0.87
Quick Ratio 0.87
Altman-Z 3.91
F-Score7
WACC11.02%
ROIC/WACC2.48
Cap/Depr(3y)112.32%
Cap/Depr(5y)150.12%
Cap/Sales(3y)4.38%
Cap/Sales(5y)6.38%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)81%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-23.53%
EPS Next Y-41.18%
EPS Next 2Y-15.02%
EPS Next 3Y-1.67%
EPS Next 5YN/A
Revenue 1Y (TTM)19.85%
Revenue growth 3Y44.76%
Revenue growth 5Y31.99%
Sales Q2Q%17.52%
Revenue Next Year15.75%
Revenue Next 2Y13.36%
Revenue Next 3Y11.29%
Revenue Next 5Y9.27%
EBIT growth 1Y67.16%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year85.3%
EBIT Next 3Y34.67%
EBIT Next 5Y22.62%
FCF growth 1Y57.37%
FCF growth 3Y90.95%
FCF growth 5Y189.23%
OCF growth 1Y41.14%
OCF growth 3Y61.88%
OCF growth 5Y77.89%