olivLaw · US equity research
UTime Ltd FXHO
Electronic & Other Electrical Equipment (No Computer Equip) · SIC 3600 · Vertical: Electronic & Other Electrical Equipment (No Computer Equip) (SIC 3600)
UTime Ltd designs, develops, produces and sells mobile phones, accessories and consumer electronics, with most of its business done as OEM/ODM work for overseas partners. In fiscal 2026 revenue fell to RMB196.4 million (about US$28.5 million), and the company is in a period of restructuring, with repeated share issues and a proposed acquisition in Web3 data analytics.
The AI analysis may be outdated: new filings came after its sources (see the «AI analysis» section).
At the close of 04 Nov 2026, UTime Ltd (FXHO) stock was 6.51 USD (+16.25% on the day), with market capitalisation 11.0 m USD, beta 1.31, 52-week range 5.27–250.00 USD.
Data as of · AI analysis dated · Source: SEC filings and closing prices, computed by olivLaw.
Price history
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Technical reading
- RSI (14)
- 39.0
- weak (30–45)
- Bollinger (20, 2)
- 4.30 – 11.64
- in the lower half of the band · %B 0.30 · band width 92.1%
- SMA 50 / 200
- 9.91 / 16.98
- downtrend (price < SMA50 < SMA200)
- MACD (12, 26, 9)
- -1.19 / -1.08
- MACD below signal
Indicators describe past prices; on their own they do not predict direction. On our history the RSI ≤ 40 filter added no return (see the signals methodology).
Performance
| Company | S&P 500 | vs S&P 500 | Vertical median | |
|---|---|---|---|---|
| 1 month | −35.4% | −1.1% | −34.3 pp | — |
| 3 months | −30.4% | −0.5% | −30.0 pp | — |
| 6 months | −33.4% | +4.4% | −37.8 pp | — |
| Year to date | −87.2% | +12.3% | −99.6 pp | — |
| 1 year | −97.4% | +13.5% | −110.9 pp | +0.1% |
| 3 years | −100.0% | +76.4% | −176.4 pp | −7.0% |
| 5 years | −100.0% | +63.7% | −163.7 pp | — |
Price returns, dividends excluded.
Quarterly results
ESEF annual reports carry no quarters: the results are annual (below).
E/P over time
E/P = trailing-12-month diluted EPS / price at quarter end. E/P is the inverse of P/E and stays defined when earnings are negative.
Fiscal years
| Fiscal year | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 |
|---|---|---|---|---|---|---|---|
| Revenue | unavailable | 37.6 m | 43.4 m | 29.2 m | 24.3 m | 34.6 m | 28.5 m |
| Revenue YoY | unavailable | unavailable | +15.5% | −32.8% | −16.9% | +42.5% | −17.7% |
| Net income | unavailable | -2.5 m | -6.1 m | -12.8 m | -8.6 m | -92.3 m | -4.0 m |
| Net income YoY | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| Diluted EPS | unavailable | unavailable | -0.75 | -1.14 | unavailable | unavailable | unavailable |
| Diluted EPS YoY | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable | unavailable |
| net % | unavailable | -6.7% | -14.1% | -43.7% | -35.4% | -267.0% | -14.2% |
| Free cash flow | unavailable | unavailable | -4.2 m | -2.6 m | -53.2 m | unavailable | -21.2 m |
Reported results vs expectations
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Balance sheet & financial health
Fiscal year 2026 · 31 Mar 2026
- Cash
- 38.0 m USD
- Financial debt
- 9.1 m USD
- Net debt
- -28.8 m USD
- Equity
- 20.0 m USD
- Total assets
- 64.8 m USD
- Debt / equity
- 0.46x
- Current ratio
- 1.41x
- ROE
- unavailable
- ROA
- -8.7%
- FCF margin
- -74.5%
Financial statements (source on every figure)
Revenue and net income (USD)
Margins
Income statement · USD
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Revenue | 37.6 m | 43.4 m | 29.2 m | 24.3 m | 34.6 m | 28.5 m | SEC (XBRL)· 10 Aug 2026verified |
| Cost of revenue | 34.8 m | 41.2 m | 24.8 m | 23.0 m | 33.6 m | 28.2 m | SEC (XBRL)· 10 Aug 2026verified |
| Gross profit | 2.8 m | 2.2 m | 4.4 m | 1.3 m | 976.0 k | 285.0 k | SEC (XBRL)· 10 Aug 2026verified |
| Research & development | 7.2 m | 14.1 m | 16.0 m | 16.6 m | 9.5 m | 5.4 m | SEC (XBRL)· 10 Aug 2026verified |
| Operating income | -2.2 m | -5.4 m | -12.2 m | -4.2 m | -91.6 m | -3.2 m | SEC (XBRL)· 10 Aug 2026verified |
| Depreciation & amortisation | 602.0 k | 683.0 k | 843.0 k | 949.0 k | 781.0 k | 794.0 k | SEC (XBRL)· 10 Aug 2026verified |
| EBITDA | -1.6 m ≈ | -4.8 m ≈ | -11.4 m ≈ | -3.3 m ≈ | -90.8 m ≈ | -2.4 m ≈ | SEC (XBRL)· 10 Aug 2026derived |
| Interest expense | 375.0 k | 768.0 k | 895.0 k | 510.0 k | 541.0 k | 867.0 k | SEC (XBRL)· 10 Aug 2026verified |
| Pre-tax income | -2.6 m | -6.2 m | -13.1 m | -4.8 m | -92.1 m | -4.0 m | SEC (XBRL)· 10 Aug 2026verified |
| Income tax | -55.0 k | -7.0 k | -25.0 k | -24.0 k | -8.0 k | — | SEC (XBRL)· 11 Aug 2025verified |
| Net income | -2.5 m | -6.1 m | -12.8 m | -8.6 m | -92.3 m | -4.0 m | SEC (XBRL)· 10 Aug 2026verified |
| Diluted EPS | — | -0.75 | -1.14 | — | — | — | SEC (XBRL)· 08 Aug 2023verified |
| Weighted average diluted shares | 4.5 m | 8.2 m | 54.3 k | 331 | 721 | 56.3 k | SEC (XBRL)· 10 Aug 2026verified |
≈ computed by olivLaw from the reported lines of the same year: Operating income + Depreciation & amortisation.
Balance sheet · USD
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Cash | 1.4 m | 9.8 m | 10.2 m | 10.8 m | 15.1 m | 38.0 m | SEC (XBRL)· 10 Aug 2026verified |
| Receivables | 2.7 m | 3.5 m | 7.6 m | 4.3 m | — | 266.0 k | SEC (XBRL)· 10 Aug 2026verified |
| Inventories | 4.8 m | 5.7 m | 2.4 m | 1.7 m | 875.0 k | 556.0 k | SEC (XBRL)· 10 Aug 2026verified |
| Current assets | 19.9 m | 30.4 m | 34.5 m | 81.5 m | 22.3 m | 59.4 m | SEC (XBRL)· 10 Aug 2026verified |
| Property, plant & equipment, net | 5.4 m | 6.0 m | 8.9 m | 7.6 m | 5.5 m | 5.0 m | SEC (XBRL)· 10 Aug 2026verified |
| Intangibles (excl. goodwill) | 351.0 k | 408.0 k | 244.0 k | 93.0 k | 28.0 k | 25.0 k | SEC (XBRL)· 10 Aug 2026verified |
| Total assets | 26.4 m | 39.5 m | 45.6 m | 91.6 m | 28.4 m | 64.8 m | SEC (XBRL)· 10 Aug 2026verified |
| Accounts payable | 7.5 m | 11.7 m | 18.4 m | 15.0 m | 19.1 m | 14.7 m | SEC (XBRL)· 10 Aug 2026verified |
| Short-term debt | 4.7 m | 5.6 m | 7.8 m | 8.0 m | 7.9 m | 8.4 m | SEC (XBRL)· 10 Aug 2026verified |
| Long-term debt | — | — | 8.0 m | — | 827.0 k | 722.0 k | SEC (XBRL)· 10 Aug 2026verified |
| Current liabilities | 22.5 m | 25.7 m | 35.8 m | 38.5 m | 46.0 m | 42.0 m | SEC (XBRL)· 10 Aug 2026verified |
| Total liabilities | 22.6 m | 29.3 m | 39.6 m | 40.5 m | 47.4 m | 44.8 m | SEC (XBRL)· 10 Aug 2026verified |
| Equity | 3.8 m | 10.2 m | 5.9 m | 51.1 m | -19.0 m | 20.0 m | SEC (XBRL)· 10 Aug 2026verified |
| Shares outstanding at year end | — | — | — | 392.1 m | 3.6 m | 1.7 m | SEC (XBRL)· 10 Aug 2026verified |
Cash flow · USD
| Line | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Source (latest year) |
|---|---|---|---|---|---|---|---|
| Operating cash flow | -385.0 k | -3.3 m | -2.2 m | -53.0 m | -4.4 m | -21.2 m | SEC (XBRL)· 10 Aug 2026verified |
| Capex | — | 923.0 k | 377.0 k | 137.0 k | — | 6.0 k | SEC (XBRL)· 10 Aug 2026verified |
| Free cash flow | — | -4.2 m ≈ | -2.6 m ≈ | -53.2 m ≈ | — | -21.2 m ≈ | SEC (XBRL)· 10 Aug 2026derived |
| Investing cash flow | -335.0 k | -919.0 k | -422.0 k | 778.0 k | — | -6.0 k | SEC (XBRL)· 10 Aug 2026verified |
| Financing cash flow | 2.1 m | 13.7 m | 2.7 m | 52.5 m | 7.2 m | 45.1 m | SEC (XBRL)· 10 Aug 2026verified |
≈ computed by olivLaw from the reported lines of the same year: Operating cash flow − Capex.
Computed indicators
Growth
Profitability
Returns
Balance sheet
Liquidity
Cash
Efficiency
Market and valuation
4 indicators that do not apply to the sector.
Valuation
olivLaw classification
Score: 22 / 100
A scoring methodology on indicators and valuation, not investment advice.
score < 40
Closing price
04 Nov 2026Source: olivLaw, closing series
Market cap: 11.0 m USD
Key indicators
Coverage and freshness
Score by group
- Balance sheet36
- Growth0
- Valuation57
- Quality0
Estimated value range
The combined range = the median of the valid methods' low, central and high values; it is not a probability interval and does not cover every result. Envelope of all methods: 85.90 – 115.53 USD.
Valuation assumptions are editorial choices, not measured; beta is not measured.
Method ranges (USD per share)
— — Mid · ▏ Price
Valuation methods
- DCF (discounted cash flow)unavailable · the base of the ratio is not positive
- Peers: EV/Sales85.90 – 115.53 (Mid 103.79)4 companies used · median multiple 5.2x · quartiles 4.1x – 5.9xEMR, GE, GEV, OTIS
- Peers: EV/EBITDAunavailable · the base of the ratio is not positive
Classification (SIC) comparables group by industry code, not by economic activity; the direct group is an editorial selection by activity. Members' multiples are on their own trailing twelve months, at their own latest close.
Assumptions (illustrative, editorial)
- Risk-free rate
- 4.3%
- Equity risk premium
- 5.0%
- Beta (default)
- 1.00
- Cost of equity
- 9.3%
- Terminal growth
- 2.5%
Factor scorecard
Unattractive profile · Score 22/100
| Factor | Value | Score | Weight used |
|---|---|---|---|
| Gross margin · Quality | 1.0% | 0 (on a fixed band) | 12% |
| EBIT margin · Quality | -11.1% | 0 (on a fixed band) | 10% |
| FCF margin · Quality | -74.5% | 0 (on a fixed band) | 10% |
| Revenue CAGR 3Y · Growth | -0.8% | 0 (on a fixed band) | 19% |
| Revenue growth (YoY) · Growth | -17.7% | 0 (vs peers) | 10% |
| Net debt / EBITDA · Balance sheet | unavailable | unavailable | — |
| Current ratio · Balance sheet | 1.4x | 36 (on a fixed band) | 7% |
| EV/Sales · Valuation | -0.6x | 100 (vs peers) | 19% |
| FCF yield · Valuation | -192.5% | 0 (on a fixed band) | 14% |
| Shareholder yield (distributions) · Returns | unavailable | unavailable | — |
Factors without a value were dropped; the remaining weights were renormalised.
Score groups
- Balance sheet· partial36/100 · 1/2 factors with a value
- Growth0/100 · 2/2 factors with a value
- Quality0/100 · 3/3 factors with a value
- Returns· partialunavailable · 0/1 factors with a value
- Valuation57/100 · 2/2 factors with a value
A «partial» group is computed from under half of its weight or from one factor: it is not a full assessment of the group.
Memo
UTime Limited (FXHO). Latest full fiscal year: 2026; data up to 2026-03-31.
Figures computed from the financial statements: revenue 28.5 m USD in 2026; YoY growth -17.7%; net margin -14.2%; ROE -328.7%.
The estimated value range is 85.90–115.53 USD per share (median of 1 methods, agreement: single method); assumptions are illustrative. Against the central value of 103.79 USD, the price of 6.51 USD leaves a potential of 1,494.3% (value / price − 1) and a margin of safety of 93.7% (1 − price / value). The range is the median of the methods' low, central and high values, not a probability interval.
olivLaw score 22/100, methodological classification: unattractive profile (score, margin of safety and method agreement together; not a judgement of the right price). Groups assessed only in part: balance, returns. Not investment advice.
Text generated deterministically from the figures shown; no language model. Not investment advice.
What supports the thesis
- EV/Sales: -0.6x
- The price is below the estimated value range
What contradicts it
- Gross margin: 1.0%
- EBIT margin: -11.1%
- FCF margin: -74.5%
- Revenue CAGR 3Y: -0.8%
- Revenue growth (YoY): -17.7%
- FCF yield: -192.5%
Not assessed (insufficient data or a ratio without meaning): Net debt / EBITDA, Shareholder yield (distributions).
Versus the vertical median
Electronic & Other Electrical Equipment (No Computer Equip) (SIC 3600) · same industry (4-digit SIC) · compared with 6 companies
Multiples and returns vs the median
Price rebased to 100 (monthly, 5 years)
Companies in the vertical
| Market cap | P/E | ROE | Net margin | Revenue YoY | 1A / 3A | |
|---|---|---|---|---|---|---|
| GEGeneral Electric Company | 340.4 bn | 38.0 | 50.1% | 17.3% | +18.5% | +10% / +239% |
| GEVGE Vernova Inc. | 220.4 bn | 21.8 | 103.5% | 23.5% | +9.0% | +39% / unavailable |
| EMREmerson Electric Co. | 95.1 bn | 37.3 | 12.8% | 13.8% | +3.0% | +28% / +92% |
| OTISOtis Worldwide Corporation | 30.4 bn | 19.8 | — | 10.3% | +1.2% | −10% / −7% |
| MKDWMKDWELL Tech Inc. | 22.7 m | — | -401.0% | -104.0% | +51.6% | −97% / −100% |
| FXHOUTime Limited | 11.0 m | — | -328.7% | -14.2% | −17.7% | −97% / −100% |
| TRNRInteractive Strength Inc. | 2.0 m | — | -336.8% | -159.3% | +114.3% | −99% / −100% |
1- and 3-year price returns: for FXHO from daily closes (the same as the performance table), for the other companies from month-end closes.
olivLaw engine forecast
The world engine ran after the company's latest material disclosure. Probabilities are of TOUCHING a level within the horizon (not closing there) and sit next to the random walk (p_rw), the no-information benchmark.
The engine has no published run for this company yet.
Valuation scenarios (editable assumptions)
Illustrative scenarios
Illustrative: not forecasts and without probabilities. Each case is one coherent set of assumptions, computed on today's figures.
Estimated price (USD)
| Estimated price | Bear | Base | Bull |
|---|---|---|---|
| 1 years | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable |
| 3 years | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable |
| 5 years | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable | insufficient data Total return unavailable · Per year unavailable |
AI analysis
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 10 Aug 2026; since then the company filed 6-K (06 Oct 2026), 6-K (30 Sept 2026), 6-K (21 Sept 2026), 6-K (16 Sept 2026), 6-K (14 Sept 2026), 6-K (01 Sept 2026).
In brief
UTime Ltd designs, develops, produces and sells mobile phones, accessories and consumer electronics, with most of its business done as OEM/ODM work for overseas partners. In fiscal 2026 revenue fell to RMB196.4 million (about US$28.5 million), and the company is in a period of restructuring, with repeated share issues and a proposed acquisition in Web3 data analytics.
SWOT
Strengths
- The company has experience designing and manufacturing phones and tablets for large brands, including full OEM/ODM services.
- A presence in emerging markets across several regions gives a geographically varied customer base, though with concentration in China.
- Diversification into tablets and laptops brought a new revenue category that became the main one in fiscal 2026.
Weaknesses
- Revenue declined in fiscal 2026 and the gross margin fell to very low levels.
- The company recorded large net losses in recent years, with significant provisions for doubtful receivables.
- The VIE contractual structure and the concentration of activity in China create legal and operational risks.
Opportunities
- Expansion in tablets and laptops could reduce dependence on mobile phones.
- The proposed acquisition of Feixiaohao, if completed, could open a new area in Web3 data analytics.
- Emerging markets in Africa and Latin America remain a potential growth area if demand for affordable devices holds.
Threats
- Geopolitical and trade tensions could again restrict phone sales and market access.
- Rising component costs, especially for chips, could reduce profit margins further.
- Repeated share issues could dilute shareholders and weaken investor confidence.
Risks
- Net losses and provisionshigh
Net losses in recent years and large provisions for receivables could continue to weigh on the company's financial position.
- Dependence on the China markethigh
Most revenue comes from China, so regulatory or trade changes there could affect operations directly.
- VIE structuremedium
Control over the operating entity relies on contracts, which could raise legal questions in the event of a dispute.
- Dilution from share issuesmedium
Repeated placements and warrants issued could significantly dilute existing shareholders.
- Proposed acquisitionlow
The Feixiaohao acquisition remains non-binding and depends on due diligence and approvals, so it could fail to complete.
Investment thesis
What would need to be true (bull case)
- If the tablet and laptop segment keeps growing, the company could stabilise revenue after the recent decline.
- The major reduction in provisions in the latest year could indicate an improvement in receivables quality.
- If the acquisition of a Web3 platform is completed, the company could diversify beyond electronics manufacturing.
What would break the thesis
- Revenue fell by more than a quarter in a single year, which could point to a structural weakening of the business.
- A very thin gross margin leaves little room to absorb cost or demand shocks.
- Repeated share and warrant issues could continue to dilute shareholders in the period ahead.
What to watch
- Revenue trend in the pad and laptop segmentnext 10-K
- Gross margin development in light of chip costsnext 10-K
- Status of the proposed Feixiaohao acquisition and any definitive agreement2027
- Use of proceeds from the 2026 placements and any further share issuesnext 10-K
Products, market & competition
AI-generatedAI-generated analysis (Claude) from cited public sources; it may contain errors. Not investment advice. As of 27 Oct 2026 · Model: claude-haiku-5-5.
Possibly outdated: the newest document it read is from 10 Aug 2026; since then the company filed 6-K (06 Oct 2026), 6-K (30 Sept 2026), 6-K (21 Sept 2026), 6-K (16 Sept 2026), 6-K (14 Sept 2026), 6-K (01 Sept 2026).
The business
UTime Ltd (formerly WTO, trading as FXHO from 2 July 2026) runs its core business in China through its consolidated entity UTime SZ, controlled under a VIE contractual structure. The company designs, develops, produces and sells mobile phones and accessories, and provides EMS services including OEM and ODM work for clients such as TCL Communication Technology Holdings. Its in-house brand 'UTime' targets middle-class consumers in emerging markets, while the 'Do' brand covers the low-to-mid end.
Most products are sold abroad, including in India, Brazil, the United States and other emerging markets in South Asia, Africa and Europe. In fiscal 2026 tablets and laptops became the main source of revenue, while feature phones and smartphones declined. The company reported a net loss of RMB27.8 million that year, after a much larger loss in the prior year driven mainly by provisions for doubtful receivables.
During fiscal 2026 the company closed several private placements and a US$25 million public offering, discontinued several subsidiaries and announced an intention to acquire Feixiaohao, a Web3 platform, subject to conditions not yet met. The strategy is visibly shifting from handset production toward new product categories and digital activities.
Segments
Feature and smartphones (OEM/ODM)
Feature phones and smartphones fell sharply year on year, reflecting the impact of geopolitical tensions on the handset business. The in-house brand did not generate reported sales in the periods reviewed, with all revenue coming from OEM/ODM work.
EMS and PCBA services
The company offers electronics manufacturing services, notably printed circuit board assembly (PCBA) for consumer products. This segment depends on customer orders and on control of production costs.
Market context
The company operates in emerging mobile phone markets in Latin America, South Asia, Southeast Asia and Africa, where demand for affordable and mid-range devices remains significant. Revenue is, however, sensitive to trade and geopolitical tensions, which weighed on sales in fiscal 2026. With 95.0% of revenue coming from mainland China, dependence on a single geographic market remains a structural feature.
The consumer electronics market is competitive, with thin margins, and component prices such as chips can affect profitability. The gross margin fell in the latest year, pointing to cost pressure.
Trends
- Geopolitical tensions and tradeheadwind
Geopolitical tensions have hurt mobile phone sales and shifted trade flows. If these tensions ease, demand for the company's products could recover, but for now the impact remains negative.
- Diversification into tablets and laptopstailwind
Expansion into pads and laptops has become the main revenue driver, and this segment could support revenue if it stays cost-competitive.
- Rising chip pricesheadwind
Higher chip prices compressed the gross margin, which reached very low levels. Component costs remain an important factor for profitability.
- Funding through private placementsmixed
The company has repeatedly financed itself through private placements and warrant-linked offerings, which provides liquidity but dilutes existing shareholders. The effect depends on how the funds are used and on the ability to generate revenue.
Competitive position
The company competes mainly with Asian consumer electronics makers and EMS providers that have greater scale and better access to components. In emerging markets it also faces local low-cost phone brands, where price is decisive.
The company's advantage lies in its OEM/ODM manufacturing capacity for large clients and its experience in Latin American and African markets. However, the lack of an in-house brand generating sales has limited differentiation from competitors.
- TCL Communication Technology Holdings
Important OEM/ODM client and subsidiary of TCL Corporation, not a direct competitor listed in the United States.
- Swagtek Inc.
Production partner named in the source, appearing as a recipient of the company's OEM/ODM services.
- Shanghai Sunvov Communications Technology Co., Ltd.
Client named in the source for manufacturing and design services, with which the company works in the OEM/ODM segment.
- T2Mobile International Limited
Partner named in the source, illustrating the company's dependence on OEM/ODM contracts with external brands.
Links, dependencies and risks
Who the company is tied to, from its own SEC filings (customers, suppliers, production, partners, competitors, countries, regulation), from the 5 %+ holders' statements (13D/13G) and from what other companies say about it. Click a node for its evidence; on a listed company the graph moves to it.
Loading the links…
News & filings
In the press
No news in our archive over the last 180 days.
SEC filings
- Current report (foreign issuer)06 Oct 2026
- Current report (foreign issuer)30 Sept 2026
- Current report (foreign issuer)21 Sept 2026
- Current report (foreign issuer)16 Sept 2026
- Current report (foreign issuer)14 Sept 2026
- Current report (foreign issuer)01 Sept 2026
- Current report (foreign issuer)27 Aug 2026
- Annual report (foreign issuer)10 Aug 2026
- Current report (foreign issuer)28 Jul 2026
- Current report (foreign issuer)21 May 2026
Sources
- [1] Form 20-F, fiscal year ended 2026-03-31 · SEC / UTime Ltd · 10 Aug 2026
Figures computed by olivLaw from SEC filings and closing prices; the qualitative analysis is AI-generated from cited sources. Not investment advice.