Consumer Automotive Finance, Inc. Financial Ratios — CAFI

Profitability (USD)

	2003 Y	2004 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2003	12/31/2004	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2010	06/30/2021	06/30/2022	06/30/2023	06/30/2024

Return on Common Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Assets (%)	- -	-0.97	-10.23	-35.52	-23.6	-38.75	-46.23	- -	112.88	-1,948.25	-4.74
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	-0.61	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	100	31.19	39.38	45.99	45.44	57.74	- -	57.69	51.01	18.06
EBITDA Margin (%)	- -	-133.61	4.31	-29.64	-37.92	-24.64	-16.32	- -	-362.63	-572.12	-1,733.33
Operating Margin (%)	- -	-133.68	3.88	-29.87	-38.16	-24.82	-16.71	- -	-362.63	-572.12	-1,733.33
Incremental Operating Margin (%)	- -	- -	4	- -	- -	- -	- -	-16.71	- -	- -	- -
Pretax Margin (%)	- -	- -	-3.83	-32.93	- -	- -	- -	- -	81.59	-550.42	-1,733.33
Profit Margin (%)	- -	-133.68	-3.83	-32.93	-38.16	-41.24	-37.1	- -	81.59	-550.42	-1,733.33
Net Income to Common Margin (%)	- -	-133.68	-3.83	-32.93	-38.16	-41.24	-37.1	- -	81.59	-550.42	-1,733.33
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Credit (USD)

API ChatGPT

	2003 Y	2004 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2003	12/31/2004	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2010	06/30/2021	06/30/2022	06/30/2023	06/30/2024

Total Debt	- -	- -	2	6	8	10	12	- -	- -	- -	- -
ST Debt	- -	- -	2	2	2	10	12	- -	- -	- -	- -
LT Debt	- -	- -	- -	4	5	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	-7.45	4.93	-2.88	-4.45	-7.5	-14.79	- -	-1.67	-0.18	-52.06
Net Debt/EBITDA	0.35	47.7	4.88	-2.86	-4.43	-7.47	-14.73	- -	-1.67	-0.18	-52.08
Total Debt/EBIT	- -	-7.45	5.47	-2.86	-4.42	-7.44	-14.45	- -	-1.67	-0.18	-52.06
Net Debt/EBIT	0.35	47.68	5.41	-2.84	-4.4	-7.41	-14.38	- -	-1.67	-0.18	-52.08
EBITDA to Interest Expense	- -	- -	- -	- -	- -	-1.5	-0.8	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	-1.54	-0.82	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	-1.51	-0.82	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	1	1	- -	- -	- -	- -
Common Equity/Total Assets	-238.04	-52.38	-17.79	-63.11	-79.17	-288.79	-300.54	- -	-19,049.77	-18,910.02	-19,195.79
Long-Term Debt/Equity (%)	- -	- -	- -	1,709.71	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	237.21	351.42	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	54.3	69.93	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	4.79	99.02	2,707.89	-504.3	-153.35	-146.53	- -	-67.14	-58.18	-54.33
Total Debt/Capital (%)	- -	-7.4	175.21	375.7	497.86	-873.27	-1,741.84	- -	-2.24	-1.93	-1.29
Total Debt/Total Assets (%)	- -	3.61	41.44	86.01	99.07	259.11	284.22	- -	417.87	357.65	244.31
Net Debt to Equity	-100	-30.68	97.92	2,690.76	-502.14	-152.73	-145.88	- -	-67.14	-58.18	-54.34
Net Debt/Capital (%)	29.58	30.59	176.7	382.41	506.53	-839.93	-1,610.04	- -	-2.24	-1.93	-1.29
EBITDA	- -	- -	1	-2	-2	-1	-1	- -	- -	-1	- -
EBITDA-CapEx	- -	- -	- -	-2	-2	-1	-1	- -	- -	-1	- -
Operating Income (Loss)	- -	- -	- -	-2	-2	-1	-1	- -	- -	-1	- -

Liquidity (USD)

API ChatGPT

	2003 Y	2004 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2003	12/31/2004	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2010	06/30/2021	06/30/2022	06/30/2023	06/30/2024

Cash Ratio	- -	1.08	0.01	0.01	0.01	0.35	0.32	- -	- -	- -	- -
Current Ratio	- -	1.65	0.67	1.06	0.91	0.37	0.34	- -	- -	- -	- -
Quick Ratio	- -	1.15	0.46	0.85	0.73	0.35	0.32	- -	- -	- -	- -
CFO/Avg Current Liab	- -	-0.05	-2.19	-0.98	-0.37	-0.22	-0.14	-0.01	- -	0.09	-0.01
Common Equity/Total Assets	-238.04	-52.38	-17.79	-63.11	-79.17	-288.79	-300.54	- -	-19,049.77	-18,910.02	-19,195.79
Long-Term Debt/Equity (%)	- -	- -	- -	1,709.71	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	237.21	351.42	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	54.3	69.93	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	4.79	99.02	2,707.89	-504.3	-153.35	-146.53	- -	-67.14	-58.18	-54.33
Total Debt/Capital (%)	- -	-7.4	175.21	375.7	497.86	-873.27	-1,741.84	- -	-2.24	-1.93	-1.29
Total Debt/Total Assets (%)	- -	3.61	41.44	86.01	99.07	259.11	284.22	- -	417.87	357.65	244.31
CFO/Total Liabilities	- -	-2.69	-130.69	-46.09	-13.24	-15.34	-12.62	- -	- -	9.39	-1.26
CFO/CapEx	- -	-43.82	-37.42	-47.63	-220.95	-45.13	-89.92	- -	- -	- -	- -
Altman's Z-Score	- -	-1.36	2.15	-0.88	5.09	-5.84	-6.02	- -	-14,333.87	-18,609.47	-7,659.4

Working Capital (USD)

API ChatGPT

	2003 Y	2004 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2003	12/31/2004	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2010	06/30/2021	06/30/2022	06/30/2023	06/30/2024

Accounts Receivable Turnover	- -	0.41	14.33	3.55	1.78	3.95	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	881.47	25.47	102.72	205.56	92.47	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	16.73	7.29	4.07	7.26	16.19	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	21.82	50.08	89.77	50.29	22.55	- -	- -	- -	- -
Accounts Payable Turnover	- -	2.04	22.65	11.21	6.76	6.97	8.16	-0.93	- -	- -	- -
Accounts Payable Turnover Days	- -	178.72	16.12	32.55	54	52.38	44.71	-390.94	- -	- -	- -
Cash Conversion Cycle	- -	- -	31.18	120.24	241.32	90.38	-22.16	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	3.65	52.64	115.79	42.18	-22.55	- -	- -	- -	- -
Inventories	- -	- -	1	1	1	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	1	1	1	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

API ChatGPT

	2003 Y	2004 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2003	12/31/2004	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2010	06/30/2021	06/30/2022	06/30/2023	06/30/2024

Market Capitalization	- -	- -	2	1	100	- -	- -	- -	5	5	- -
- Cash & Cash Equivalents	- -	1	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	2	6	8	10	12	- -	- -	- -	- -
Enterprise Value	- -	-1	5	6	107	6	8	- -	5	5	- -
Total Capital	- -	-1	1	2	2	-1	-1	- -	-5	-5	-5
Total Debt/Capital (%)	- -	-7.4	175.21	375.7	497.86	-873.27	-1,741.84	- -	-2.24	-1.93	-1.29
Total Debt / EV	- -	-0.16	0.55	0.91	0.07	1.54	1.5	- -	0.02	0.02	1
EV/Sales	- -	- -	0.39	0.93	23.88	1.2	1.61	- -	290.47	53.95	903.33
EV/EBITDA	- -	- -	8.97	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	9.95	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	284.43	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	284.43	- -
Diluted Market Cap	- -	- -	2	1	100	- -	- -	- -	5	5	- -
Diluted Enterprise Value	- -	-1	5	6	107	10	12	- -	5	5	- -
EV per Share	- -	- -	0.5	0.66	10.92	0.69	0.88	- -	0.04	0.01	- -
TTM Sales	- -	- -	12	7	4	5	5	- -	- -	- -	- -
TTM EBITDA	- -	- -	1	-2	-2	-1	-1	- -	- -	-1	- -
TTM Operating Income	- -	- -	- -	-2	-2	-1	-1	- -	- -	-1	- -
TTM Cash Flow to Firm	- -	- -	-5	-3	- -	- -	- -	- -	- -	- -	- -
TTM Free Cash Flow to Firm	- -	- -	-4	-3	- -	- -	- -	- -	- -	- -	- -

Multiples (USD)

API ChatGPT

	2003 Y	2004 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2021 Y	2022 Y	2023 Y	2024 Y
As of date	12/31/2003	12/31/2004	06/30/2006	06/30/2007	06/30/2008	06/30/2009	06/30/2010	06/30/2021	06/30/2022	06/30/2023	06/30/2024

Price/Free Cash Flow	- -	- -	-0.46	-0.2	-82.74	-0.07	-0.02	- -	- -	279.1	- -
EV/EBIT	- -	- -	9.95	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	-1	5	6	107	6	8	- -	5	5	- -
Low Price	- -	- -	0.15	0.05	0.01	- -	- -	0.01	0.03	0.01	0.01
EV/Sales	- -	- -	0.39	0.93	23.88	1.2	1.61	- -	290.47	53.95	903.33
EV/EBITDA	- -	- -	8.97	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	348.6	- -	- -
Price/Earnings Average	- -	- -	-106.05	-37.33	-45.94	-13.56	-0.04	- -	453.74	-36.01	- -
Price/Earnings High	- -	- -	-297.6	-61.99	-77.4	-50.42	-18.53	- -	1,945.52	-191.87	- -
Price/Earnings Low	- -	- -	-3	-0.22	-0.06	-0.02	- -	- -	259.79	-4.9	- -
Price/Book Value	- -	- -	-1.93	-0.14	-16.48	-0.01	- -	- -	-1.03	-0.99	- -
Price/Book Value Average	- -	- -	-44.54	-19.64	-13.01	-2.72	-0.01	- -	-1.34	-3.71	- -
Price/Book Value High	- -	- -	-125	-32.61	-21.91	-10.1	-2.69	- -	-5.76	-19.77	- -
Price/Book Value Low	- -	- -	-1.26	-0.11	-0.02	- -	- -	- -	-0.77	-0.51	- -
Price/Tangible Book Value	- -	- -	1.39	-1.19	-44.99	-0.02	- -	- -	-27.31	-26.28	- -
Price/Tangible Book Value Average	- -	- -	31.98	-172.3	-35.52	-4.64	-0.01	- -	-35.55	-98.4	- -
Price/Tangible Book Value High	- -	- -	89.75	-286.1	-59.83	-17.26	-4.17	- -	-152.42	-524.35	- -
Price/Tangible Book Value Low	- -	- -	0.9	-0.99	-0.04	-0.01	- -	- -	-20.35	-13.4	- -
Price/Sales	- -	- -	0.18	0.09	22.2	0.02	- -	- -	284.43	52.94	- -
Price/Sales Average	- -	- -	4.06	12.29	17.53	5.59	0.02	- -	370.21	198.19	- -
Price/Sales High	- -	- -	11.39	20.41	29.53	20.79	6.87	- -	1,587.37	1,056.1	- -
Price/Sales Low	- -	- -	0.11	0.07	0.02	0.01	- -	- -	211.97	27	- -
Price/Cash Flow	- -	- -	-0.45	-0.19	-82.36	-0.07	-0.02	- -	- -	279.1	- -
Price/Cash Flow Average	- -	- -	-10.43	-27.77	-65.02	-19.01	-0.05	- -	- -	1,044.91	- -
Price/Cash Flow High	- -	- -	-29.26	-46.12	-109.55	-70.7	-21.82	- -	- -	5,568.02	- -
Price/Cash Flow Low	- -	- -	-0.29	-0.16	-0.08	-0.02	- -	- -	- -	142.34	- -
Price/Free Cash Flow Average	- -	- -	-10.71	-28.37	-65.32	-19.44	-0.05	- -	- -	1,044.91	- -
Price/Free Cash Flow High	- -	- -	-30.06	-47.11	-110.04	-72.3	-22.06	- -	- -	5,568.02	- -
Price/Free Cash Flow Low	- -	- -	-0.3	-0.16	-0.08	-0.02	- -	- -	- -	142.34	- -
EV/Sales Average	- -	- -	4.27	13.14	19.21	7.43	2.42	- -	376.25	199.2	903.33
EV/Sales High	- -	- -	11.6	21.26	31.21	22.63	9.28	- -	1,593.41	1,057.11	903.33
EV/Sales Low	- -	- -	0.32	0.92	1.7	1.85	2.4	- -	218.01	28.01	903.33
EV/EBITDA Average	0.35	47.7	99.15	-44.33	-50.66	-30.15	-14.83	- -	-103.76	-34.82	-52.12
EV/EBITDA High	0.35	47.7	269.45	-71.72	-82.31	-91.83	-56.83	- -	-439.41	-184.77	-52.12
EV/EBITDA Low	0.35	47.7	7.54	-3.1	-4.49	-7.49	-14.73	- -	-60.12	-4.9	-52.12
EV/EBIT Average	0.35	47.68	110	-43.99	-50.34	-29.93	-14.48	- -	-103.76	-34.82	-52.12
EV/EBIT High	0.35	47.68	298.93	-71.18	-81.8	-91.16	-55.5	- -	-439.41	-184.77	-52.12
EV/EBIT Low	0.35	47.68	8.37	-3.08	-4.46	-7.44	-14.39	- -	-60.12	-4.9	-52.12
Last Price	- -	- -	0.23	0.06	10.15	0.01	- -	0.05	0.04	0.01	0.02
High Price	- -	- -	14.88	14.4	13.5	11.99	3.74	0.1	0.23	0.2	0.12
Enterprise Value Average	- -	-1	50	91	86	40	12	- -	7	18	- -
Enterprise Value High	- -	-1	136	148	140	122	47	- -	29	97	- -
Enterprise Value Low	- -	-1	4	6	8	10	12	- -	4	3	- -

Shares Outstanding	7	7	10	10	10	10	9	- -	122	728	736
Diluted Weighted Avg Shares	5	7	9	10	10	9	9	- -	122	488	- -
Basic Weighted Avg Shares	5	7	9	10	10	9	9	- -	122	488	- -
Revenue per Share	- -	- -	1.31	0.71	0.46	0.58	0.54	- -	- -	- -	- -
EBITDA per Share	- -	- -	0.06	-0.21	-0.17	-0.14	-0.09	- -	- -	- -	- -
Operating Income per Share	- -	- -	0.05	-0.21	-0.17	-0.14	-0.09	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	-0.05	-0.23	-0.17	-0.24	-0.2	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	-0.05	-0.23	-0.17	-0.24	-0.2	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	-0.05	-0.23	-0.17	-0.24	-0.2	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	-0.05	-0.23	-0.17	-0.24	-0.2	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	-0.51	-0.31	-0.12	-0.17	-0.17	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	-0.52	-0.32	-0.12	-0.17	-0.17	- -	- -	- -	- -
Cash & Equivalents per Share	- -	0.11	- -	- -	- -	0.39	0.44	- -	- -	- -	- -
Book Value per Share	- -	-0.22	-0.12	-0.44	-0.62	-1.19	-1.39	- -	-0.04	-0.01	- -
Tangible Book Value per Share	- -	0.07	0.17	-0.05	-0.23	-0.69	-0.9	- -	- -	- -	- -

Consumer Automotive Finance, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)