Ultimate Lifestyle

UMLS

Asset Management · Financial Services

Price

$0.00

-0.00 (-0.00%)

Market Cap

$24,009

Winston Score

Winston is worried

Weak fundamentals across most pillars.

Share count rising — dilution

+11.9% over 2y

The company has issued more shares over this period, which dilutes each existing shareholder’s stake.

Diluted shares outstanding: 20K (1998) → 23K (2000)

Ultimate Lifestyle Corp (UMLS) is a small financial services company focused on asset management and lifestyle-oriented investment products. It targets retail investors and individuals seeking wealth-building services, offering financial planning tools and investment vehicles designed for everyday consumers rather than large institutions.

The company earns revenue through management fees and service charges tied to its financial products, though its current operating margin is negative, meaning it spends more than it earns from operations. It appears to operate primarily in North America and has a very small market presence, with a market cap near zero indicating it is a micro-cap or shell-stage business. The deeply negative return on invested capital (-28.7%) signals the company has not yet found a profitable operating model, and its primary challenge is reaching the scale needed to cover costs and generate sustainable earnings.

Winston Score History

Growth Profile

For growth stock investors

When traditional metrics don't capture the full picture, these are the signals growth stock investors use instead.

Revenue Growth

-56.3% YoY

YoY Growth Rate

Revenue declining

EPS Growth

+80.0% YoY

YoY Growth Rate

EPS growth accelerating

R&D Spend

$0/ year

0.0% of revenue

Below sector average (7%)

Research and development spending

Insider Activity

100.0%ownership

→ Flat

Insiders holding steady — not selling despite ability to

Cash Position

Cash flow positive

$2M cash & investments

Quarterly Free Cash Flow

↑ Burn rate improving

Company generates more cash than it spends — no dilution risk from fundraising

Revenue declining

Ultimate Lifestyle's revenue is actually shrinking. In a growth stock, that removes the core investment thesis. The low Winston Score here may be warranted — unless there's a turnaround story.

The Winston Score above measures business quality today. Growth stocks often score lower because they invest in the future rather than maximising current profits. These metrics show what matters most for evaluating that future.

Score breakdown

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Quality

Gross Margin

29.5%

Modest — 29.5% gross margin

Operating Margin

-3.9%

Losing money on operations — -3.9%

ROCE

-5.9%

Weak — -5.9% return on capital

Negative ROIC means the business is losing money on every dollar invested in it.

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Growth

Sales YoY

-19.5%

Shrinking sales (-19.5% YoY)

EPS YoY

N/A

Data not available

EPS Consistency

0/8 quarters

Earnings rarely grow — volatile business

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Cash Flow

Cash Conversion

N/A

—

Data not available

FCF Margin

-1.4%

Burning cash (-1.4%)

Free cash flow is negative. They are burning cash, not generating it.

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Stability

Debt / Equity

N/A

Data not available

Interest Cover

N/A

—

Data not available

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Valuation

P/E Ratio (TTM)

N/M

—

Negative earnings — P/E not meaningful

P/E vs Forward

N/A

not available

Data not available

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Dividends

Not applicable for this business.

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