Event-Driven Stocks

UNICO AMERICAN CORP

Financials · Fire, Marine & Casualty Insurance · NV · SEC filings ↗ · Compare ⊕

Signs● 1 good● 2 warning● 1 severedetails ↓

Financials

SEC XBRL · annual
 FY21FY20FY19FY18FY17FY16
Revenue$11.5M$8.0M$7.1M$8.8M$9.0M$8.5M
Operating income——————
Net income$2.3M−$1.0M−$671,074−$2.2M−$2.1M−$198,987
Total assets$126.9M$131.9M$130.3M$125.6M$130.3M$138.2M
Total liabilities$99.2M$96.9M$75.2M$69.7M$70.4M$69.3M
Equity$27.7M$35.0M$55.1M$55.9M$59.9M$68.9M
EPS (diluted)$0.43$-0.20$-0.13$-0.42$-0.40$-0.04
Shares out.5.3M5.3M5.3M5.3M5.3M5.3M

Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.

Key ratios

from filings · FY2021
Operating margin
—
Net margin
19.8%
Return on equity
8.2%
Return on assets
1.8%
Return on capital (ROCE)
—
Liabilities / assets
78.2%
Debt / equity
3.58×
Book value / share
$5.22
Revenue growth (YoY)
43.3%
Net income growth (YoY)
—

Computed from the company's own SEC figures — no market price, so these are facts, not a valuation. Book value per share is reported equity ÷ shares; it is not the stock price.

Financial health

forensic scores · FY2021
Accruals / assets
7.7%moderate
Piotroski F-Score
4/7mixed

Altman Z″is a textbook bankruptcy-distress score from book values only (>2.6 safe · 1.1–2.6 grey · <1.1 distress). Accruals = (net income − operating cash flow) ÷ assets; persistently high accruals are an earnings-quality red flag. Beneish M-Scoreis an eight-ratio screen comparing this year with last (M > −1.78 = elevated manipulation-risk screen, not proof). Piotroski F-Scorecounts how many of nine fundamental-health checks pass (shown as passed / applicable; we use operating margin and total liabilities as documented proxies where the exact input isn't XBRL-tagged). Computed from SEC filings — descriptive factors, not advice or a forecast.

Quality score

EDS Score
63
/ 100
Profitability 100Growth 100Catalyst 33Earnings quality 33Financial strength 50

Our own multi-factor score from free SEC data — profitability, growth, financial strength, earnings quality, and event/ownership catalysts. No market price and no licensed model: each axis is the share of source-backed checks it passes. Descriptive factors, not advice or a forecast.

Signs

● 1 severe● 2 warning● 1 good
  • Filed a late-filing notice (Form NT) — missed an SEC deadline
  • High leverage (liabilities > 70% of assets)
  • Negative operating cash flow
  • Revenue is growing year-over-year

Derived from the company's own SEC figures (fundamentals, forensic scores, filing discipline) — descriptive factors, not advice or a forecast.

Risk flags

late SEC filings

A Form NT means the company notified the SEC it would file a periodic report late — often an accounting, audit or liquidity warning sign. Also search SEC enforcement actions for this company.

Material events

SEC Form 8-K · most recent

Events the company reported on Form 8-K, labelled by the SEC item code it filed under — its own classification, not our interpretation.

Recent SEC filings

All filings ↗

Event-driven situations (1)