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ZYBERNO

Stock Report

Updated Aug 23, 2026

UTime Limited (WTO)

Technology • NASDAQ

$10.82

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

17.0/100

POOR BUSINESS

UTime Limited (WTO) scores 17/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full WTO quality analysis & detailed breakdown

VALUATION SIGNAL

N/A (Requires more data)

Requires fair value calculation and current price data

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full WTO valuation analysis · → View full WTO Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (0.0%)

Debt-to-Equity (Solvency Risk):EXCELLENT (0.17x)

Operating Margin (Operational Efficiency):CRITICAL (0.0%)

Return on Capital (Capital Efficiency):CRITICAL (-8.8%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

UTime Limited (WTO) stock report — Zyberno Score 17/100 (POOR BUSINESS). Full financial analysis on Zyberno.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:10.82

Market Cap:$39.00M

Valuation Multiples (3)

P/B Ratio:1.95x

P/S Ratio:1.37x

Peg Ratio:-999.00x

Enterprise Metrics (1)

Enterprise Value:$11.33M

B. Profitability Assessment

Return Metrics (3)

Roic:

-8.8%

📊 Click to view full WTO ROIC analysis →

Reinvestment Rate:33.3%

Fundamental Growth Rate (g):-3.0%

Margin Analysis (1)

Ebitda Margin:-8.3%

Yield Metrics (2)

Earnings Yield:-$999.00

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:1.41x

Quick Ratio:1.34x

Cash Ratio:0.90x

Leverage Analysis (3)

Debt To Equity Ttm:0.17x

Debt-to-Equity Ratio:0.17x

Debt To Ebitda:-999.00x

Coverage Ratios (2)

Interest Coverage Ratio:-3.65x

Times Interest Earned:-3.65

Capital Structure (4)

Working Capital:17,361,000.00

Cash And Cash Equivalents:37,957,000.00

Long Term Debt:$1.91M

Net Debt:-$27.66M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

$28.47M

Cost Of Revenue Ttm:$28.19M

Profitability Breakdown (2)

$285.00K-$3.17M

Bottom Line Performance (3)

-$4.04M

Income Before Tax:-$4.04M

Ebitda Ttm:-2,353,180.50

Operating Expenses (5)

Operating Expenses:3,453,000.00

R And D Expense:800,004.60

Sga Expense:3,646,000.00

Income Tax Expense:-$8.00K

Interest Expense:867,000.00

Expense Ratios (3)

R And D To Revenue Percentage:2.8%

Sga To Revenue Percentage:12.8%

Ebitda Margin:-8.3%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$64.82M

Current Assets:$59.40M

Ppe Net:4,957,000.00

Goodwill:0.00

Intangible Assets:$25.00K

Liability Structure (4)

Total Liabilities:44,832,000.00

Current Liabilities:42,040,000.00

Long Term Debt:$1.91M

Short Term Debt:$8.39M

Equity & Capital (3)

Equity:$19.99M

Retained Earnings:-$131.45M

Common Stock:99,000,000.00

Working Capital Items (3)

Accounts Receivable:266,000.00

Inventory:3,047,276.78

Accounts Payable:14,656,000.00

Special Items (2)

Contract Liabilities:103,704.30

Stock Based Compensation:15,301,000.00

C. Cash Flow Analysis

Operating Activities (2)

-$21.21M-$21.21M

Investment Activities (1)

Investing Cash Flow:-$6.00K

Financing Activities (3)

Financing Cash Flow:$45.14M

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:46,735,000.00

Long Term Debt Issuance:$1.33M

Long Term Debt Repayments:$1.18M

Non-Cash Items (1)

Depreciation Amortization Ttm:814,819.50

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (1)

Earnings Per Share Ttm:-$1.12

Revenue & Cash Per Share (2)

Sales Per Share Ttm:7.90

Operating Cash Flow Per Share:-$5.88

Book Value & Capital (2)

Book Value Per Share:$5.55

Cash Per Share:10.53

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:0.44x

Working Capital Turnover Ttm:1.64x

Receivables Management (2)

Receivables Turnover Ttm:107.03x

Days Sales Outstanding Ttm:3.41

Inventory Management (2)

Inventory Turnover Ttm:9.25x

Days Inventory Outstanding Ttm:39.46

Payables & Cash Cycle (2)

Days Payable Outstanding:189.80

Cash Conversion Cycle:-146.92

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:80.00

Quality Score:35.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Damodaran Growth Analysis (2)

Reinvestment Rate:33.3%

Fundamental Growth Rate (g):-3.0%

B. Log-Linear Regression Growth Analysis

C. Company Profile & Context

Corporate Information (6)

Symbol:WTO

Company Name:UTime Limited

Sector:Technology

Industry:Electronic & Other Electrical Equipment (No Computer Equip)

Exchange:NASDAQ

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:medium

Volume Category:N/A

Share Structure (3)

Shares Outstanding:3.60M

Shares Outstanding Basic:3.60M

Shares Outstanding Diluted:56.30K

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-08-23 12:27:15 UTC

Data Timestamp:2026-08-22T13:40:24.454605