Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
U Consumer FinanceCAI:VALU -2.09%28 Earnings Yield (Joel Greenblatt) % is 3.48% as of Dec. 2025, which is 21% above its 10-year median of 2.87. GuruFocus rates CAI:VALU with a GF Score™ of 28/100. The stock has 6 warning signs investors should review. Among 549 Credit Services companies, U Consumer Finance ranks better than 64.85% on this metric.
U Consumer Finance's Enterprise Value for the quarter that ended in Dec. 2025 was E£29,337 Mil.
U Consumer Finance's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 was E£1,020 Mil. U Consumer Finance's Earnings Yield (Joel Greenblatt) for the quarter that ended in Dec. 2025 was 3.48%.
The historical rank and industry rank for U Consumer Finance's Earnings Yield (Joel Greenblatt) % or its related term are showing as below:
CAI:VALU'
s Earnings Yield (Joel Greenblatt) % Range Over the Past 10 Years
Min: 2.18 Med: 2.87 Max: 3.92
Current: 3.16
During the past 3 years, the highest Earnings Yield (Joel Greenblatt) of U Consumer Finance was 3.92%. The lowest was 2.18%. And the median was 2.87%.
CAI:VALU's Earnings Yield (Joel Greenblatt) % is ranked better than 64.85% of 549
companies
in the Credit Services industry
Industry Median: 1.05
vs CAI:VALU: 3.16
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
A better indicator of the attractiveness of an investment which takes growth into account is the Forward Rate of Return (Yacktman) %. U Consumer Finance's Forward Rate of Return (Yacktman) % for the quarter that ended in Dec. 2025 was 0.00%. The Forward Rate of Return uses the normalized Free Cash Flow of the past five years, and considers growth. The forward rate of return can be thought of as the return that investors buying the stock today can expect from it in the future.
U Consumer Finance (CAI:VALU) Earnings Yield (Joel Greenblatt) % Explanation
Joel Greenblatt defines the earnings yield using the above equation because it more accurately reflects the company's profitability relative to its stock price. Items like interest payment and tax etc. are not directly related to the company's operational profitability.
Enterprise Value instead of market cap (share price) is used in the calculation because it is the real price stock and bond investors together pay for the company.
Be Aware
Joel Greenblatt's definition of earnings yield has the same problems the regular earnings yield does. It does not consider the growth of the company. It only looks at one-year's business operation. For cyclical companies, the earnings yield is usually highest at the peak of the business cycle. But these earnings are rarely sustainable.
U Consumer Finance Earnings Yield (Joel Greenblatt) % Related Terms
U Consumer Finance Earnings Yield (Joel Greenblatt) % Historical Data
* Premium members only.
The historical data trend for U Consumer Finance's Earnings Yield (Joel Greenblatt) % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
U Consumer Finance Earnings Yield (Joel Greenblatt) % Chart
For the Credit Services subindustry, U Consumer Finance's Earnings Yield (Joel Greenblatt) %, along with its competitors' market caps and Earnings Yield (Joel Greenblatt) % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
U Consumer Finance Earnings Yield (Joel Greenblatt) % vs Credit Services Industry
For the Credit Services industry and Financial Services sector, U Consumer Finance's Earnings Yield (Joel Greenblatt) % distribution charts can be found below:
* The bar in red indicates where U Consumer Finance's Earnings Yield (Joel Greenblatt) % falls into.
U Consumer Finance Earnings Yield (Joel Greenblatt) % Calculation
In his book, The Little That Beat the Market, hedge fund manager Joel Greenblatt defines Earnings Yield as operating income divided by enterprise value.
U Consumer Finances Earnings Yield (Joel Greenblatt) for the fiscal year that ended in Dec. 2025 is calculated as
U Consumer Finance's EBIT for the trailing twelve months (TTM) ended in Dec. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was E£1,020 Mil.
What does a Earnings Yield (Joel Greenblatt) % of 3.48% mean?
U Consumer Finance (CAI:VALU) has a Earnings Yield (Joel Greenblatt) % of 3.48% as of Dec. 2025. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on U Consumer Finance and its competitors. This is 21% above median its historical median of 2.87. Over the past decade, U Consumer Finance's Earnings Yield (Joel Greenblatt) % has ranged from 2.18 to 3.92. According to the industry distribution chart, U Consumer Finance ranks #193 out of 549 companies in the Credit Services industry, placing it in the top 35.2%.
Is U Consumer Finance's Earnings Yield (Joel Greenblatt) % too high?
U Consumer Finance's current Earnings Yield (Joel Greenblatt) % of 3.48% is 21% above median its 10-year median of 2.87. Over the past 10 years, this metric has ranged from a low of 2.18 to a high of 3.92. The Credit Services industry median Earnings Yield (Joel Greenblatt) % is 1.05. U Consumer Finance's value of 3.48% is 231.4% above this industry median. Based on the distribution chart, U Consumer Finance ranks #193 out of 549 companies in the Credit Services industry, which is above the industry midpoint. Overall, U Consumer Finance has a GF Score™ of 28/100, reflecting its overall financial health beyond just this single metric.
How does U Consumer Finance's Earnings Yield (Joel Greenblatt) % compare to V and MA?
According to the Credit Services industry distribution chart, U Consumer Finance ranks #193 out of 549 companies for Earnings Yield (Joel Greenblatt) %. This puts U Consumer Finance in the upper half of its industry. The industry median Earnings Yield (Joel Greenblatt) % is 1.05. U Consumer Finance's value of 3.48% is 231.4% above this benchmark. Historically, U Consumer Finance's own Earnings Yield (Joel Greenblatt) % has ranged from 2.18 to 3.92 over the past decade. While the company's 10-year median is 2.87 vs. the industry median of 1.05, U Consumer Finance has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Earnings Yield (Joel Greenblatt) % for a Credit Services company?
The median Earnings Yield (Joel Greenblatt) % among Credit Services companies is 1.05, based on 549 companies in the industry. Companies in the top quartile (top 25%) have a Earnings Yield (Joel Greenblatt) % significantly above this median, while those in the bottom quartile fall well below. However, Earnings Yield (Joel Greenblatt) % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. U Consumer Finance's current Earnings Yield (Joel Greenblatt) % of 3.48% is 231.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Earnings Yield (Joel Greenblatt) % mean?
A high Earnings Yield (Joel Greenblatt) % can signal that a stock is expensive relative to its fundamentals. Joel Greenblatt's earnings yield equals the ratio of earnings before interest and taxes to enterprise value. View historical data on U Consumer Finance and its competitors. For the Credit Services industry, the median Earnings Yield (Joel Greenblatt) % is 1.05 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. U Consumer Finance's current Earnings Yield (Joel Greenblatt) % is 3.48%, which is 21% above median its own 10-year median of 2.87. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is U Consumer Finance stock overvalued right now?
U Consumer Finance (CAI:VALU) has a current Earnings Yield (Joel Greenblatt) % of 3.48%. The current Earnings Yield (Joel Greenblatt) % is 3.48%, which is 21% above median its 10-year median of 2.87 and 231.4% above the Credit Services industry median of 1.05. U Consumer Finance's overall GF Score™ is 28/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Earnings Yield (Joel Greenblatt) % calculated?
Earnings Yield (Joel Greenblatt) % is calculated from a company's financial statements. For U Consumer Finance (CAI:VALU), the current Earnings Yield (Joel Greenblatt) % is 3.48% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
U Consumer Finance known by Its Brand Name Valu, is the universal financial technology powerhouse, offering a suite of financial services to individuals and businesses.
28GF Score
Get the complete analysis for CAI:VALU
Earnings Yield (Joel Greenblatt) % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
CAI:VALU has been successfully added to your 
