Amalgamated Financial Corp.

AMAL

AMALAmalgamated Financial Corp. US flag

NASDAQ Global Market

47.56

USD

+0.39

- -

1.42BMarket Cap

Income Statement (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Sales/Revenue/Turnover	149	178	196	213	203	267	286	316	330
+ Sales & Services Revenue	149	178	196	213	203	267	286	316	330
- Cost of Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cost of Goods & Services	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Profit	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Selling, General & Admin	76	86	84	76	76	82	94	101	105
+ Research & Development	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Operating Expense	-76	-86	-84	-76	-76	-82	-94	-101	-105
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Non-Operating (Income) Loss	-20	-50	-64	-62	-71	-108	-125	-146	-140
+ Interest Expense, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Interest Income	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Op (Income) Loss	-20	-50	-64	-62	-71	-108	-125	-146	-140
Pretax Income	20	50	64	62	71	108	125	146	140
- Income Tax Expense (Benefit)	14	6	17	16	18	27	37	39	36
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	6	45	47	46	53	81	88	106	104
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	6	45	47	46	53	81	88	106	104
- Minority Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	6	45	47	46	53	81	88	106	104
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	6	45	47	46	53	81	88	106	104
EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA	5	5	6	8	5	10	6	5	7
EBITDA Margin (%)	3.32	2.9	3.07	3.55	2.39	3.88	2.24	1.72	2.06
EBITA	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	4.09	25.08	24.1	21.66	26.14	30.57	30.79	33.63	31.61
Sales per Employee	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	0.01	0.06	0.26	0.32	0.32	0.36	0.4	0.47	0.57
Depreciation Expense	5	5	6	8	5	10	6	5	7
Basic Weighted Avg Shares	32	30	32	31	31	31	31	31	30
Basic EPS, GAAP	0.19	1.47	1.49	1.48	1.7	2.64	2.88	3.48	3.44
Basic EPS from Cont Ops	0.19	1.47	1.49	1.48	1.7	2.64	2.88	3.48	3.44
Diluted Weighted Avg Shares	32	31	32	31	32	31	31	31	31
Diluted EPS, GAAP	0.19	1.46	1.46	1.48	1.68	2.61	2.86	3.44	3.41
Diluted EPS from Cont Ops	0.19	1.46	1.47	1.48	1.68	2.61	2.86	3.44	3.41

Balance Sheet (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Current Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash, Cash Equivalents & STI	1,060	1,256	1,347	1,579	2,444	1,876	1,574	640	925
+ Cash & Cash Equivalents	116	81	123	39	330	64	91	61	291
+ ST Investments	943	1,175	1,225	1,540	2,113	1,812	1,483	579	634
+ Accounts & Notes Receiv	11	14	19	24	29	41	55	61	65
+ Accounts Receivable, Net	11	14	19	24	29	41	55	61	65
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Receivable, Net	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	-1,071	-1,270	-1,366	-1,603	-2,473	-1,917	-1,629	-701	-990
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Property, Plant & Equip, Net	22	22	65	49	45	38	29	21	14
+ Property, Plant & Equip	48	51	95	76	70	64	57	49	42
- Accumulated Depreciation	25	30	30	27	25	26	28	29	28
+ LT Investments & Receivables	953	1,179	1,517	2,046	2,964	3,362	3,193	1,701	1,802
+ LT Investments	953	1,179	1,517	2,046	2,964	3,362	3,193	1,701	1,802
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	-975	-1,201	-1,583	-2,095	-3,009	-3,400	-3,222	-1,721	-1,816
+ Total Intangible Assets	- -	21	20	18	17	16	15	14	14
+ Goodwill	- -	- -	13	13	13	13	13	13	13
+ Other Intangible Assets	- -	21	7	5	4	3	2	2	1
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	-975	-1,222	-1,602	-2,113	-3,026	-3,416	-3,237	-1,736	-1,830
Total Assets	4,041	4,685	5,325	5,979	7,078	7,843	7,972	8,257	8,870
+ Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accounts Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Accrued Taxes	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Borrowings	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ ST Finance Leases	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Current Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ LT Debt	403	93	137	53	132	698	336	334	82
+ LT Borrowings	403	93	75	- -	84	658	305	314	70
+ LT Finance Leases	- -	- -	62	53	48	41	31	20	12
+ Other LT Liabilities	-403	-93	-137	-53	-132	-698	-336	-334	-82
+ Accrued Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	-403	-93	-137	-53	-132	-698	-336	-334	-82
Total Noncurrent Liabilities	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Liabilities	3,697	4,246	4,835	5,443	6,514	7,334	7,387	7,549	8,075
+ Preferred Equity and Hybrid Capital	7	- -	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	244	309	306	301	298	287	289	289	294
+ Common Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	244	309	306	301	298	287	288	289	294
- Treasury Stock	- -	- -	- -	- -	- -	- -	5	3	35
+ Retained Earnings	100	142	181	217	260	330	388	480	567
+ Other Equity	-6	-12	3	17	5	-109	-86	-59	-32
Equity Before Minority Interest	344	439	490	536	564	509	585	708	794
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Equity	344	439	491	536	564	509	585	708	794
Total Liabilities & Equity	4,041	4,685	5,325	5,979	7,078	7,843	7,972	8,257	8,870
Shares Outstanding	32	32	32	31	31	31	30	31	30
Number of Employees	- -	- -	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	- -	- -	62	53	48	41	31	20	12
Net Debt	286	12	-48	-39	-247	594	214	254	-222
Net Debt to Equity	83.17	2.74	-9.69	-7.24	-43.74	116.74	36.62	35.84	-27.9
Tangible Common Equity Ratio	8.35	8.97	8.88	8.68	7.74	6.3	7.17	8.41	8.81
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -

Cash Flow Statement (USD)

API ChatGPT

	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

+ Net Income	6	45	47	46	53	81	88	106	104
+ Depreciation & Amortization	5	5	6	8	5	10	6	5	7
+ Non-Cash Items	27	9	6	12	23	57	27	39	31
+ Stock-Based Compensation	- -	1	2	2	2	3	5	6	7
+ Deferred Income Taxes	13	5	5	- -	7	14	4	5	2
+ Asset Impairment Charge	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Non-Cash Adj	14	4	-2	10	15	40	18	28	23
+ Chg in Non-Cash Work Cap	-14	-28	24	1	-11	-1	-4	-27	-7
+ (Inc) Dec in Accts Receiv	-1	-2	-5	-5	-5	-13	-14	-6	-4
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Inc (Dec) in Accts Payable	-1	-9	12	-4	-11	- -	- -	- -	- -
+ Inc (Dec) in Other	-11	-17	17	10	5	11	10	-21	-3
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	24	31	83	66	71	147	117	124	136
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-2	-1	-1	-2	-2	-2	-1	-2	-1
+ Acq of Fixed Prod Assets	-2	-1	-1	-2	-2	-2	-1	-2	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	- -	-7	-6	-7	-3	-12	-8	-1	-32
+ Increase in Capital Stock	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Decrease in Capital Stock	- -	-7	-6	-7	-3	-12	-8	-1	-32
+ Net Change in LT Investment	233	-214	-311	-545	-960	-549	181	-7	-89
+ Dec in LT Investment	653	383	460	426	739	715	562	909	1,034
+ Inc in LT Investment	-420	-597	-771	-971	-1,699	-1,264	-381	-917	-1,123
+ Net Cash From Acq & Div	- -	32	- -	- -	- -	- -	- -	- -	- -
+ Cash from Divestitures	- -	32	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-266	-74	-234	-209	97	-652	-314	-307	-287
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-35	-258	-546	-755	-865	-1,202	-134	-316	-378
+ Dividends Paid	- -	-2	-8	-10	-10	-11	-12	-14	-17
+ Net Cash From Debt	- -	- -	- -	- -	- -	574	-352	10	-245
+ Cash From Debt	- -	- -	- -	- -	- -	580	- -	16	- -
+ Repayments of Debt	- -	- -	- -	- -	- -	-6	-352	-6	-245
+ Other Financing Activities	-13	201	518	623	1,099	238	417	167	767
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-13	192	504	606	1,087	788	44	162	473
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	-24	-36	42	-84	292	-267	27	-30	230
EBITDA	5	5	6	8	5	10	6	5	7
EBITDA Margin (%)	3.32	2.9	3.07	3.55	2.39	3.88	2.24	1.72	2.06
Free Cash Flow	22	30	83	64	68	146	116	122	134
Net Cash Paid for Acquisitions	- -	-32	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow to Firm	22	30	83	64	68	146	116	122	134
Free Cash Flow to Equity	- -	23	83	64	68	720	-236	133	-111
Free Cash Flow per Basic Share	0.69	0.97	2.61	2.06	2.19	4.73	3.79	4	4.43
Price/Free Cash Flow	- -	18.41	7.44	6.37	7.25	4.82	6.99	8.23	7.15
Cash Flow to Net Income	3.92	0.69	1.77	1.42	1.33	1.81	1.33	1.17	1.3
Capital Expenditures	-2	-1	-1	-2	-2	-2	-1	-2	-1