Overview Dividends

(YOU) Clear Secure - Ratings and Ratios

Exchange: NYSE • Country: United States • Currency: USD • Type: Common Stock • ISIN: US18467V1098

Secure Identity Platform, Clear Plus, Reserve, Clear Mobile App, Clear1

YOU EPS (Earnings per Share)

EPS Growth (3Y CAGR): 42.07%
EPS Trend (3Y Correlation): 73.8%

YOU Revenue

Revenue Growth (3Y CAGR): 23.51%
Revenue Trend (3Y Correlation): 98.5%

Risk via 10d forecast
Volatility	40.2%
Value at Risk 5%th	66.9%
Relative Tail Risk	-7.11%

Reward TTM
Sharpe Ratio	0.95
Alpha	24.03

Character TTM
Hurst Exponent	0.614
Beta	0.746
Beta Downside	0.522

Drawdowns 3y
Max DD	51.00%
Mean DD	27.67%
Median DD	30.92%

Description: YOU Clear Secure November 07, 2025

Clear Secure, Inc. (NYSE:YOU) runs the CLEAR brand, a U.S.-focused secure-identity platform that blends biometric enrollment, verification and data-linking with a suite of consumer and B2B services. Its flagship offering, CLEAR Plus, gives members expedited access through airport security lanes, while the CLEAR mobile app streamlines enrollment and ongoing member experience. Additional products include RESERVE (airport reservation spots), Home to Gate (trip-planning timing tools), CLEAR1 (white-label identity solutions for partners), TSA PreCheck enrollment and renewal, Sora ID (KYC capabilities), and a virtual-queue system.

According to the company’s most recent Form 10-K (FY 2023), CLEAR reported roughly 5 million active members and generated $610 million in revenue, representing a year-over-year growth rate of about 18 %. The subscription-based model yields an estimated average revenue per user (ARPU) of $120, and the B2B CLEAR1 segment contributed roughly 22 % of total revenue, indicating a diversification beyond the consumer base.

Key macro drivers for CLEAR’s business include the rebound in U.S. air travel volumes post-pandemic (U.S. domestic passenger traffic was at 95 % of pre-COVID levels in Q3 2024), increasing airline and airport willingness to monetize premium services, and broader adoption of biometric authentication across regulated sectors. Conversely, regulatory scrutiny of biometric data handling and potential competition from airline-owned fast-track programs represent material risks.

For a deeper quantitative dive into Clear Secure’s valuation metrics and peer comparison, you may find ValueRay’s analyst toolkit useful.

YOU Stock Overview

Market Cap in USD	4,804m
Sub-Industry	Application Software
IPO / Inception	2021-06-30
Return 12m vs S&P 500	20.9%
Analyst Rating	3.25 of 5

YOU Dividends

Dividend Yield	1.36%
Yield on Cost 5y	1.37%
Yield CAGR 5y	71.46%
Payout Consistency	96.3%
Payout Ratio	26.7%

YOU Growth Ratios

CAGR 3y	10.67%
CAGR/Max DD Calmar Ratio	0.21
CAGR/Mean DD Pain Ratio	0.39
Current Volume	1487k
Average Volume	1487k

Piotroski VR‑10 (Strict, 0-10) 5.5

Net Income (230.0m TTM) > 0 and > 6% of Revenue (6% = 52.0m TTM)

FCFTA 0.26 (>2.0%) and ΔFCFTA -2.20pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue -5.04% (prev 5.18%; Δ -10.21pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.28 (>3.0%) and CFO 310.6m > Net Income 230.0m (YES >=105%, WARN >=100%)

Net Debt (-75.8m) to EBITDA (202.6m) ratio: -0.37 <= 3.0 (WARN <= 3.5)

Current Ratio 0.93 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (97.8m) change vs 12m ago 3.77% (target <= -2.0% for YES)

Gross Margin 69.09% (prev 61.66%; Δ 7.43pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 87.31% (prev 85.63%; Δ 1.69pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 2.33 (EBITDA TTM 202.6m / Interest Expense TTM 74.9m) >= 6 (WARN >= 3)

Altman Z'' 1.34

(A) -0.04 = (Total Current Assets 589.0m - Total Current Liabilities 632.7m) / Total Assets 1.13b

(B) 0.09 = Retained Earnings (Balance) 101.2m / Total Assets 1.13b

(D) 0.11 = Book Value of Equity 102.1m / Total Liabilities 959.7m

Total Rating: 1.34 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 92.05

1. Piotroski 5.50pt = 0.50

2. FCF Yield 6.59% = 3.29

3. FCF Margin 33.43% = 7.50

4. Debt/Equity 0.82 = 2.18

5. Debt/Ebitda -0.37 = 2.50

6. ROIC - WACC (= 142.6)% = 12.50

7. RoE 157.3% = 2.50

8. Rev. Trend 98.49% = 7.39

9. EPS Trend 73.80% = 3.69

What is the price of YOU shares?

As of November 16, 2025, the stock is trading at USD 36.65 with a total of 1,487,000 shares traded.
Over the past week, the price has changed by +1.58%, over one month by +17.73%, over three months by +8.84% and over the past year by +38.62%.

Is Clear Secure a good stock to buy?

Yes, based on ValueRay´s Fundamental Analyses, Clear Secure (NYSE:YOU) is currently (November 2025) a good stock to buy. It has a ValueRay Fundamental Rating of 92.05 and therefor a positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of YOU is around 35.23 USD . This means that YOU is currently overvalued and has a potential downside of -3.87%.

Is YOU a buy, sell or hold?

Clear Secure has received a consensus analysts rating of 3.25. Therefor, it is recommend to hold YOU.

Strong Buy: 1
Buy: 2
Hold: 4
Sell: 0
Strong Sell: 1

What are the forecasts/targets for the YOU price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	37.8	3.1%
Analysts Target Price	37.8	3.1%
ValueRay Target Price	39.4	7.4%

YOU Fundamental Data Overview November 09, 2025

Market Cap USD = 4.80b (4.80b USD * 1.0 USD.USD)
P/E Trailing = 21.7349
P/S = 5.5459
P/B = 24.923
Beta = 1.203
Revenue TTM = 866.3m USD
EBIT TTM = 174.9m USD
EBITDA TTM = 202.6m USD
Long Term Debt = 121.3m USD (from capitalLeaseObligations, last fiscal year)
Short Term Debt = 12.3m USD (from shortTermDebt, last fiscal year)
Debt = 121.3m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -75.8m USD (from netDebt column, last quarter)
Enterprise Value = 4.40b USD (4.80b + Debt 121.3m - CCE 530.6m)
Interest Coverage Ratio = 2.33 (Ebit TTM 174.9m / Interest Expense TTM 74.9m)
FCF Yield = 6.59% (FCF TTM 289.6m / Enterprise Value 4.40b)
FCF Margin = 33.43% (FCF TTM 289.6m / Revenue TTM 866.3m)
Net Margin = 26.55% (Net Income TTM 230.0m / Revenue TTM 866.3m)
Gross Margin = 69.09% ((Revenue TTM 866.3m - Cost of Revenue TTM 267.8m) / Revenue TTM)
Gross Margin QoQ = 86.18% (prev 64.05%)
Tobins Q-Ratio = 3.90 (Enterprise Value 4.40b / Total Assets 1.13b)
Interest Expense / Debt = 6.23% (Interest Expense 7.55m / Debt 121.3m)
Taxrate = -25.84% (negative due to tax credits) (-15.7m / 60.9m)
NOPAT = 220.1m (EBIT 174.9m * (1 - -25.84%)) [negative tax rate / tax credits]
Current Ratio = 0.93 (Total Current Assets 589.0m / Total Current Liabilities 632.7m)
Debt / Equity = 0.82 (Debt 121.3m / totalStockholderEquity, last quarter 148.6m)
Debt / EBITDA = -0.37 (Net Debt -75.8m / EBITDA 202.6m)
Debt / FCF = -0.26 (Net Debt -75.8m / FCF TTM 289.6m)
Total Stockholder Equity = 146.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 20.43% (Net Income 230.0m / Total Assets 1.13b)
RoE = 157.3% (Net Income TTM 230.0m / Total Stockholder Equity 146.2m)
RoCE = 65.39% (EBIT 174.9m / Capital Employed (Equity 146.2m + L.T.Debt 121.3m))
RoIC = 151.3% (NOPAT 220.1m / Invested Capital 145.5m)
WACC = 8.74% (E(4.80b)/V(4.93b) * Re(8.76%) + D(121.3m)/V(4.93b) * Rd(6.23%) * (1-Tc(-0.26)))
Discount Rate = 8.76% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 32.98%
[DCF Debug] Terminal Value 79.15% ; FCFE base≈269.6m ; Y1≈332.6m ; Y5≈567.5m
Fair Price DCF = 86.48 (DCF Value 8.43b / Shares Outstanding 97.4m; 5y FCF grow 25.0% → 3.0% )
EPS Correlation: 73.80 | EPS CAGR: 42.07% | SUE: 0.31 | # QB: 0
Revenue Correlation: 98.49 | Revenue CAGR: 23.51% | SUE: 3.37 | # QB: 12

Additional Sources for YOU Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
Tweets: X | Stocktwits
Fund Manager Positions: Dataroma | Stockcircle