China United Insurance Service, Inc.
Financials · Insurance Agents, Brokers & Service · SEC filings ↗ · Compare ⊕
Financials
SEC XBRL · annual| FY22 | FY21 | FY20 | FY19 | FY18 | FY17 | |
|---|---|---|---|---|---|---|
| Revenue | $131.9M | $131.4M | $124.3M | $95.9M | $78.7M | $72.8M |
| Operating income | $18.1M | $16.7M | $6.4M | $7.7M | $7.9M | $12.7M |
| Net income | $11.1M | $6.2M | $930,113 | $3.1M | $2.4M | $7.2M |
| Total assets | $138.9M | $127.8M | $107.7M | $89.2M | $68.9M | $59.3M |
| Total liabilities | $62.4M | $58.6M | $52.5M | $43.5M | $29.9M | $24.5M |
| Equity | $43.3M | $38.8M | $30.6M | $26.2M | $22.6M | $21.0M |
| EPS (diluted) | $0.35 | $0.20 | $0.03 | $0.10 | $0.08 | $0.23 |
| Shares out. | 30.3M | 29.4M | 29.4M | 29.5M | 29.5M | 29.5M |
Reported figures from the company's SEC filings (XBRL). Blank where a line item isn't cleanly tagged — never estimated.
Key ratios
from filings · FY2022- Operating margin
- 13.7%
- Net margin
- 8.4%
- Return on equity
- 25.6%
- Return on assets
- 8.0%
- Return on capital (ROCE)
- 22.0%
- Liabilities / assets
- 44.9%
- Debt / equity
- 1.44×
- Book value / share
- $1.43
- Revenue growth (YoY)
- 0.4%
- Net income growth (YoY)
- 78.2%
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 · FY2022- Altman Z″ (distress)
- 5.25safe
- Accruals / assets
- −1.8%clean
- Beneish M-Score
- -2.56normal
- Piotroski F-Score
- 7/9strong
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 ScoreOur 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● 7 good- Filed a late-filing notice (Form NT) — missed an SEC deadline
- Operating margin is positive
- Strong return on equity (>15%)
- Revenue is growing year-over-year
- Conservative leverage (liabilities < 50% of assets)
- Positive operating cash flow
- Clean earnings (low accruals)
- Altman Z″ in the safe zone
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- NT 10-Kmissed a reporting deadline ↗Mar 31, 2022
- NT 10-Qmissed a reporting deadline ↗May 12, 2020
- NT 10-Kmissed a reporting deadline ↗Mar 16, 2020
- NT 10-Qmissed a reporting deadline ↗Nov 12, 2019
- NT 10-Kmissed a reporting deadline ↗Mar 15, 2019
- NT 10-Kmissed a reporting deadline ↗Mar 15, 2016
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.
Insider transactions
SEC Form 4 · most recent| Insider | Date | Type | Shares | Price |
|---|---|---|---|---|
| Li Chuwan HauDirector | Oct 15, 2021 | J | 864,463 | $3.40 |
| Chuang Yung ChiOfficer — Chief Financial Officer | Jun 22, 2020 | Gift | 6,000 | $0.00 |
| Li Chuwan HauDirector | Mar 31, 2015 | Option exercise | 352,166 | — |
| Hsiao Mao YiOfficer — Chief Executive Officer | Aug 25, 2014 | Buy | 100,000 | $4.00 |
Headline trade per Form 4 (officers, directors, 10%+ owners). Buy/sell read from the filing's structured data — blank where a field isn't cleanly tagged.
Material events
SEC Form 8-K · most recent- Other material eventJun 7, 2023
- Shareholder voteDec 30, 2022
- Entered a material agreementMar 18, 2022
- Entered a material agreementMar 3, 2022
- Shareholder voteJan 12, 2022
- Other material eventDec 3, 2021
- Changed auditorNov 24, 2021
- Amended charter or bylawsNov 17, 2021
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)
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