Century Financial Corporation Financial Ratios — CYFL Stock

Profitability (USD)

	1995 Y	1996 Y	1997 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Return on Common Equity (%)	15.86	16.58	13.16	12.89	28.74	28.02	7.04	19.67	20.59	19.84	17.96	17.34	20.55	19.85	17.55
Return on Assets (%)	1.2	1.24	0.97	0.83	1.35	1.48	0.43	1.24	1.45	1.42	1.25	1.29	1.72	1.91	1.94
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	-18.14	-17.48	- -	5.89	8.44	8.66	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-275.87	-288.12	16.11	36.17	38.3	36.07	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-325.73	-296.23	- -	34.39	33.95	36.07	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	524.48	63.28	31.08	76.36	-439.5	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	200.92	184.85	97.36	34.39	33.95	36.07	10.87	28.5	33.27	35.04	37.21	37.16	42.2	43.8	43.87
Profit Margin (%)	151.67	146.84	80.76	25.03	23.98	25.39	7.62	23.43	26.87	28.57	30.25	30.42	34.2	35.78	35.48
Net Income to Common Margin (%)	151.67	146.84	80.76	25.03	23.98	25.39	7.62	23.43	26.87	28.57	30.25	30.42	34.2	35.78	35.48
Effective Tax Rate (%)	24.51	20.56	17.05	27.22	29.37	29.62	29.84	17.79	19.23	18.46	18.71	18.12	18.97	18.31	19.13
Dvd Payout Ratio (%)	41.94	38.46	50.4	55.27	52.86	- -	90.53	29.95	28.63	27.13	27.18	25.58	24.34	24.02	25.25
Sustainable Growth Rate (%)	9.21	10.2	6.53	5.77	13.55	28.02	0.67	13.78	14.69	14.46	13.08	12.91	15.54	15.08	13.12

Credit (USD)

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	1995 Y	1996 Y	1997 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Total Debt	13	11	24	9	11	14	5	2	8	6	6	6	6	5	5
ST Debt	10	7	4	8	3	14	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	3	4	20	1	8	- -	5	2	8	6	6	6	6	5	5
Total Debt/EBITDA	-1.7	-1.14	28.5	2.08	2.08	2.71	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-0.36	1.12	-1.57	0.07	-0.08	0.64	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	-1.44	-1.11	- -	2.19	2.35	2.71	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-0.3	1.09	- -	0.08	-0.09	0.64	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.46	7.52	7.22	4.94	4.46	6.11	5.99	6.6	7.48	6.94	7	7.91	8.85	10.44	11.66
Long-Term Debt/Equity (%)	10.08	11.75	54.48	3.58	28.61	- -	13.7	6.59	18.96	12.11	11.56	12.76	10.99	8.76	7.56
Long-Term Debt/Capital (%)	7.75	9.51	35.03	5	37.78	- -	21.69	10.72	24.92	16.52	14.81	13.27	11.59	9.3	8.25
Long-Term Debt/Total Assets (%)	0.85	0.97	4.36	0.43	3.35	- -	1.66	0.79	2.48	1.37	1.22	1.21	1.16	1.07	1.05
Total Debt/Equity (%)	41.59	32.32	65.38	30.88	37.62	46.27	13.7	6.59	18.96	12.11	11.56	12.76	10.99	8.76	7.56
Total Debt/Capital (%)	31.96	26.15	42.04	43.13	49.68	48.35	21.69	10.72	24.92	16.52	14.81	13.27	11.59	9.3	8.25
Total Debt/Total Assets (%)	3.5	2.66	5.23	3.75	4.41	5.72	1.66	0.79	2.48	1.37	1.22	1.21	1.16	1.07	1.05
Net Debt to Equity	8.74	-31.71	-3.59	1.1	-1.51	10.93	-81.67	-95.18	-94.89	-257.41	-352.9	-161.49	-164.7	-141.99	-107.08
Net Debt/Capital (%)	8.98	-53.25	-4.15	2.64	-4.13	18.12	441.27	282.04	504.63	139.82	128.4	247.19	235.73	296.97	694.95
EBITDA	-8	-10	1	4	5	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-9	-12	-2	4	5	5	-1	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	-9	-10	- -	4	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	1995 Y	1996 Y	1997 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.46	7.52	7.22	4.94	4.46	6.11	5.99	6.6	7.48	6.94	7	7.91	8.85	10.44	11.66
Long-Term Debt/Equity (%)	10.08	11.75	54.48	3.58	28.61	- -	13.7	6.59	18.96	12.11	11.56	12.76	10.99	8.76	7.56
Long-Term Debt/Capital (%)	7.75	9.51	35.03	5	37.78	- -	21.69	10.72	24.92	16.52	14.81	13.27	11.59	9.3	8.25
Long-Term Debt/Total Assets (%)	0.85	0.97	4.36	0.43	3.35	- -	1.66	0.79	2.48	1.37	1.22	1.21	1.16	1.07	1.05
Total Debt/Equity (%)	41.59	32.32	65.38	30.88	37.62	46.27	13.7	6.59	18.96	12.11	11.56	12.76	10.99	8.76	7.56
Total Debt/Capital (%)	31.96	26.15	42.04	43.13	49.68	48.35	21.69	10.72	24.92	16.52	14.81	13.27	11.59	9.3	8.25
Total Debt/Total Assets (%)	3.5	2.66	5.23	3.75	4.41	5.72	1.66	0.79	2.48	1.37	1.22	1.21	1.16	1.07	1.05
CFO/Total Liabilities	1.92	1.73	1.71	1.39	1.59	- -	1.35	1.83	1.63	1.16	1.85	1.61	1.8	2.55	2.32
CFO/CapEx	7.87	2.91	2.94	- -	- -	- -	7.04	12.91	19.72	12.81	126.93	28.11	42.98	- -	- -
Altman's Z-Score	0.02	0.02	0.1	0.23	0.23	0.27	0.19	0.2	0.23	0.2	0.19	0.21	0.24	0.29	0.21

Working Capital (USD)

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	1995 Y	1996 Y	1997 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Accounts Receivable Turnover	- -	- -	- -	28.63	13.19	11.32	24.01	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	- -	12.75	27.67	32.23	15.2	- -	- -	- -	- -	- -	- -	- -	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

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	1995 Y	1996 Y	1997 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Market Capitalization	- -	- -	- -	21	22	24	30	31	37	37	43	44	47	64	- -
- Cash & Cash Equivalents	10	22	25	8	11	10	30	36	40	117	168	70	82	81	71
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	13	11	24	9	11	14	5	2	8	6	6	6	6	5	5
Enterprise Value	3	-11	-1	22	22	28	6	-3	5	-75	-120	-20	-30	-12	-66
Total Capital	41	42	57	20	21	28	23	23	32	33	37	41	47	54	61
Total Debt/Capital (%)	31.96	26.15	42.04	43.13	49.68	48.35	21.69	10.72	24.92	16.52	14.81	13.27	11.59	9.3	8.25
Total Debt / EV	4.76	-1.02	-18.2	0.4	0.48	0.49	0.88	-0.81	1.57	-0.07	-0.05	-0.27	-0.19	-0.41	-0.08
EV/Sales	0.99	- -	- -	1.9	1.66	1.99	0.38	- -	0.3	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	5.26	4.34	5.51	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	5.53	4.9	5.51	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.42	- -	- -	7.72	6.55	- -	1.58	- -	1.12	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	0.37	- -	- -	7.72	6.55	- -	1.38	- -	1.06	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	21	22	24	30	31	37	37	43	44	47	64	- -
Diluted Enterprise Value	3	-11	-1	22	22	28	6	-3	5	-75	-120	-20	-30	-12	-66
EV per Share	0.59	- -	- -	10.58	10.82	13.15	2.95	- -	2.7	- -	- -	- -	- -	- -	- -
TTM Sales	3	3	5	11	13	14	15	16	17	18	18	19	23	25	26
TTM EBITDA	-8	-10	1	4	5	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	-9	-10	- -	4	4	5	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	7	7	7	3	3	- -	4	5	5	4	7	7	8	10	10
TTM Free Cash Flow to Firm	7	9	10	3	3	- -	4	5	5	4	8	7	8	10	10

Multiples (USD)

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	1995 Y	1996 Y	1997 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Price/Free Cash Flow	- -	- -	- -	7.62	6.68	- -	7.44	5.59	7.73	8.2	5.67	6.44	6.05	6.11	- -
EV/EBIT	- -	- -	- -	5.53	4.9	5.51	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	3	-11	-1	22	22	28	6	-3	5	-75	-120	-20	-30	-12	-66
Low Price	- -	- -	- -	18.66	20.95	20.05	18	19.1	19.75	17	20.25	25.75	25.31	27.6	37
EV/Sales	0.99	- -	- -	1.9	1.66	1.99	0.38	- -	0.3	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	5.26	4.34	5.51	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	7.49	7.06	6.92	26.6	7.99	8.03	7.1	8.02	7.52	5.92	7.1	- -
Price/Earnings Average	- -	- -	- -	6.87	6.84	6.54	25.76	8.18	7.38	6.13	7.33	7.68	5.38	5.71	- -
Price/Earnings High	- -	- -	- -	15.94	14.67	13.47	36.48	10.99	9.62	8.48	9.1	9.55	6.16	7.1	- -
Price/Earnings Low	- -	- -	- -	13.4	13.42	11.94	30.19	9.54	8.08	6.07	6.87	7.69	5.37	5.1	- -
Price/Book Value	- -	- -	- -	1.89	2.1	1.68	1.69	1.47	1.54	1.32	1.35	1.23	1.13	1.31	- -
Price/Book Value Average	- -	- -	- -	1.73	2.03	1.59	1.63	1.5	1.42	1.14	1.24	1.25	1.03	1.05	- -
Price/Book Value High	- -	- -	- -	4.02	4.36	3.27	2.32	2.02	1.84	1.57	1.53	1.56	1.17	1.31	- -
Price/Book Value Low	- -	- -	- -	3.38	3.99	2.9	1.92	1.75	1.55	1.12	1.16	1.25	1.02	0.94	- -
Price/Tangible Book Value	- -	- -	- -	0.77	0.8	0.84	0.84	0.8	0.88	0.8	0.9	1.02	0.95	1.12	- -
Price/Tangible Book Value Average	- -	- -	- -	0.7	0.77	0.79	0.81	0.82	0.81	0.7	0.82	1.04	0.86	0.9	- -
Price/Tangible Book Value High	- -	- -	- -	1.64	1.66	1.63	1.15	1.11	1.05	0.96	1.02	1.3	0.98	1.12	- -
Price/Tangible Book Value Low	- -	- -	- -	1.37	1.52	1.45	0.95	0.96	0.89	0.69	0.77	1.05	0.86	0.8	- -
Price/Sales	- -	- -	- -	1.87	1.69	1.76	2.03	1.87	2.16	2.03	2.43	2.29	2.02	2.54	- -
Price/Sales Average	- -	- -	- -	1.72	1.64	1.66	1.96	1.92	1.98	1.75	2.22	2.34	1.84	2.04	- -
Price/Sales High	- -	- -	- -	3.99	3.52	3.42	2.78	2.58	2.58	2.42	2.75	2.91	2.11	2.54	- -
Price/Sales Low	- -	- -	- -	3.35	3.22	3.03	2.3	2.24	2.17	1.73	2.08	2.34	1.84	1.83	- -
Price/Cash Flow	- -	- -	- -	7.61	6.68	- -	8.5	6.02	8.12	8.84	5.72	6.67	6.19	6.11	- -
Price/Cash Flow Average	- -	- -	- -	6.98	6.47	- -	8.23	6.17	7.46	7.63	5.23	6.81	5.63	4.91	- -
Price/Cash Flow High	- -	- -	- -	16.2	13.87	- -	11.66	8.29	9.72	10.55	6.48	8.47	6.44	6.11	- -
Price/Cash Flow Low	- -	- -	- -	13.61	12.69	- -	9.65	7.2	8.17	7.55	4.9	6.82	5.62	4.39	- -
Price/Free Cash Flow Average	- -	- -	- -	6.99	6.47	- -	7.21	5.72	7.1	7.08	5.19	6.58	5.5	4.91	- -
Price/Free Cash Flow High	- -	- -	- -	16.21	13.87	- -	10.21	7.69	9.25	9.79	6.43	8.18	6.29	6.11	- -
Price/Free Cash Flow Low	- -	- -	- -	13.63	12.69	- -	8.45	6.68	7.78	7.01	4.86	6.58	5.49	4.39	- -
EV/Sales Average	0.99	- -	- -	1.75	1.61	1.89	0.31	- -	0.12	- -	- -	- -	- -	- -	- -
EV/Sales High	0.99	- -	- -	4.02	3.49	3.65	1.13	0.51	0.72	- -	- -	- -	- -	- -	- -
EV/Sales Low	0.99	- -	- -	3.38	3.19	3.26	0.65	0.18	0.31	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	-0.36	1.12	-1.57	4.83	4.2	5.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-0.36	1.12	-1.57	11.1	9.1	10.12	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-0.36	1.12	-1.57	9.34	8.32	9.04	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-0.3	1.09	- -	5.08	4.74	5.24	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-0.3	1.09	- -	11.68	10.27	10.12	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-0.3	1.09	- -	9.83	9.38	9.04	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	10.43	11.03	11.62	15.86	15.98	19.63	19.89	23.63	25.18	27.89	38.4	46.55
High Price	- -	- -	- -	22.2	22.9	22.62	21.75	22	23.5	23.75	26.8	32	29	38.4	48.75
Enterprise Value Average	3	-11	-1	20	21	26	5	-2	2	-80	-123	-19	-34	-25	-66
Enterprise Value High	3	-11	-1	46	46	51	17	8	12	-68	-114	-8	-28	-12	-66
Enterprise Value Low	3	-11	-1	39	42	45	10	3	5	-80	-126	-19	-34	-30	-66

	1995 Y	1996 Y	1997 Y	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
Shares Outstanding	5	5	7	7	7	7	2	2	2	2	2	2	2	2	2
Diluted Weighted Avg Shares	5	5	7	2	2	2	2	2	2	2	2	2	2	2	- -
Basic Weighted Avg Shares	5	5	7	2	2	2	2	2	2	2	2	2	2	2	- -
Revenue per Share	0.6	0.71	0.73	5.57	6.51	6.61	7.82	8.54	9.1	9.81	9.74	11.01	13.77	15.12	- -
EBITDA per Share	-1.64	-2.04	0.12	2.01	2.49	2.39	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-1.94	-2.1	- -	1.91	2.21	2.39	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.9	1.04	0.59	1.39	1.56	1.68	0.6	2	2.44	2.8	2.95	3.35	4.71	5.41	- -
Basic EPS from Cont Ops	0.9	1.04	0.59	1.39	1.56	1.68	0.6	2	2.44	2.8	2.95	3.35	4.71	5.41	- -
Diluted EPS, GAAP	0.9	1.04	0.59	1.39	1.56	1.68	0.6	2	2.44	2.8	2.95	3.35	4.71	5.41	- -
Diluted EPS from Cont Ops	0.9	1.04	0.59	1.39	1.56	1.68	0.6	2	2.44	2.8	2.95	3.35	4.71	5.41	- -
Dividend per Share	0.38	0.4	0.3	0.77	0.83	- -	0.54	0.6	0.7	0.76	0.8	0.86	1.15	1.3	- -
Cash Flow per Share	1.4	1.39	1.02	1.37	1.65	- -	1.87	2.65	2.42	2.25	4.13	3.78	4.5	6.28	- -
Free Cash Flow per Basic Share	1.23	0.91	0.67	1.37	1.65	- -	1.6	2.45	2.29	2.08	4.1	3.64	4.4	6.28	- -
Cash & Equivalents per Share	2.21	4.62	3.55	4.04	5.4	4.94	15.51	18.91	21.16	63.61	92.67	39.79	48.51	48.72	- -
Book Value per Share	5.95	6.58	4.64	5.53	5.26	6.91	9.4	10.9	12.74	15.12	17.46	20.55	24.7	29.31	- -
Tangible Book Value per Share	6.72	7.21	5.15	13.58	13.79	13.85	18.99	19.87	22.3	24.71	26.26	24.64	29.46	34.31	- -

Century Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)