Beacon Financial Corporation Financial Ratios — 4I9 Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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

Return on Common Equity (%)	5.53	6.66	5.88	6.89	7.6	7.68	6.74	9.75	9.5	5.05	11.92	11.04	6.85	5.68	4.86
Return on Assets (%)	0.92	0.88	0.69	0.78	0.84	0.84	0.76	1.17	1.15	0.57	1.32	1.23	0.73	0.59	0.51
Return on Capital (%)	2.78	2.88	2.36	2.58	2.75	2.91	2.65	4.34	4.73	2.6	7.31	5.75	2.97	2.55	2.93
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	42.26	30.47	30.48	34.47	38.09	37.83	38.09	41.31	40.99	21.8	49.97	42.67	25.29	25.79	22.04
Profit Margin (%)	23.95	18.96	18.77	20.84	23.2	23.14	19.78	30.43	30.99	16.73	37.32	33.46	20.2	19.33	16.32
Net Income to Common Margin (%)	23.95	18.96	18.77	20.84	23.2	23.14	19.78	30.43	30.99	16.73	37.32	33.46	20.2	19.33	16.32
Effective Tax Rate (%)	40.83	35.74	35.34	36.71	35.92	35.5	44.87	23.23	24.36	23.26	25.33	21.58	20.14	25.06	25.92
Dvd Payout Ratio (%)	66.46	60.05	60.22	50.41	45.43	43.67	47.66	34.92	39.99	76.41	32.45	36.52	63.9	69.94	69.92
Sustainable Growth Rate (%)	1.85	2.66	2.34	3.42	4.15	4.33	3.53	6.34	5.7	1.19	8.05	7.01	2.47	1.71	1.46

Credit (USD)

Credit Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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 Debt	515	854	813	1,126	983	1,044	1,021	921	928	844	378	1,452	1,409	1,565	879
ST Debt	8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1,358	544
LT Debt	507	854	813	1,126	983	1,044	1,021	921	928	844	378	1,452	1,409	207	335
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.27	11.89	11.53	11.06	11.05	10.8	11.86	12.18	12.04	10.53	11.57	10.8	10.53	10.26	10.75
Long-Term Debt/Equity (%)	99.98	138.67	131.45	174.2	145.96	148.57	125.63	101.09	98.1	89.66	37.96	146.37	117.52	16.91	13.41
Long-Term Debt/Capital (%)	49.59	58.1	56.79	63.53	59.34	59.77	55.68	50.27	49.52	47.27	27.52	59.41	54.03	7.42	9.91
Long-Term Debt/Total Assets (%)	15.37	16.59	15.26	19.42	16.27	16.22	15.06	12.45	11.81	9.44	4.39	15.81	12.38	1.74	1.44
Total Debt/Equity (%)	101.63	138.67	131.45	174.2	145.96	148.57	125.63	101.09	98.1	89.66	37.96	146.37	117.52	128.04	35.22
Total Debt/Capital (%)	50.4	58.1	56.79	63.53	59.34	59.77	55.68	50.27	49.52	47.27	27.52	59.41	54.03	56.15	26.05
Total Debt/Total Assets (%)	15.62	16.59	15.26	19.42	16.27	16.22	15.06	12.45	11.81	9.44	4.39	15.81	12.38	13.14	3.79
Net Debt to Equity	90.48	125.94	116.68	164.55	135.14	140.3	118.42	91.53	87.24	40.92	2.97	105.8	103.75	79.89	-50.21
Net Debt/Capital (%)	47.5	55.74	53.85	62.2	57.47	58.38	54.22	47.79	45.95	28.52	2.83	50.92	50.26	43.52	-94
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	15.27	11.89	11.53	11.06	11.05	10.8	11.86	12.18	12.04	10.53	11.57	10.8	10.53	10.26	10.75
Long-Term Debt/Equity (%)	99.98	138.67	131.45	174.2	145.96	148.57	125.63	101.09	98.1	89.66	37.96	146.37	117.52	16.91	13.41
Long-Term Debt/Capital (%)	49.59	58.1	56.79	63.53	59.34	59.77	55.68	50.27	49.52	47.27	27.52	59.41	54.03	7.42	9.91
Long-Term Debt/Total Assets (%)	15.37	16.59	15.26	19.42	16.27	16.22	15.06	12.45	11.81	9.44	4.39	15.81	12.38	1.74	1.44
Total Debt/Equity (%)	101.63	138.67	131.45	174.2	145.96	148.57	125.63	101.09	98.1	89.66	37.96	146.37	117.52	128.04	35.22
Total Debt/Capital (%)	50.4	58.1	56.79	63.53	59.34	59.77	55.68	50.27	49.52	47.27	27.52	59.41	54.03	56.15	26.05
Total Debt/Total Assets (%)	15.62	16.59	15.26	19.42	16.27	16.22	15.06	12.45	11.81	9.44	4.39	15.81	12.38	13.14	3.79
CFO/Total Liabilities	1.66	1.31	1.57	1.64	1.2	1.36	1.42	1.9	1.49	1.41	1.75	1.47	1.14	0.98	1.08
CFO/CapEx	2.32	2.51	4.5	10.83	13.53	14.81	7.35	36.7	20.56	38.67	27.82	16.35	9.44	21.05	18.27
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios API ChatGPT

No data availableFinancial data will appear here once available

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	550	922	954	940	1,028	2,147
- Cash & Cash Equivalents	57	78	91	62	73	58	59	87	78	435	328	383	133	544	2,042
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	3	4	4	5	6	7	9	10	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	515	854	813	1,126	983	1,044	1,021	921	928	844	378	1,452	1,409	1,565	879
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	213	251	1,366	1,299	1,154	-704
Total Capital	1,022	1,470	1,431	1,773	1,657	1,747	1,833	1,831	1,873	1,786	1,373	2,444	2,607	2,787	3,375
Total Debt/Capital (%)	50.4	58.1	56.79	63.53	59.34	59.77	55.68	50.27	49.52	47.27	27.52	59.41	54.03	56.15	26.05
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.96	1.5	1.06	1.08	1.36	-1.25
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.75	0.81	4.17	3.5	3.25	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.9	1.89	11.31	11.14	11	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.95	1.96	12.05	12.46	11.55	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	553	923	960	935	1,031	2,246
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	216	253	1,373	1,294	1,157	-605
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.45	7.66	42.33	34.8	30.85	- -
TTM Sales	115	196	192	208	215	226	255	273	283	285	309	328	371	356	553
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	46	59	74	84	65	78	85	123	103	112	133	121	117	105	224
TTM Free Cash Flow to Firm	26	36	58	77	60	73	73	120	98	110	128	113	104	100	212

Multiples (USD)

Valuation Multiples API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.05	7.19	8.47	8.97	10.31	10.59
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	213	251	1,366	1,299	1,154	-704
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.26	15.86	23.26	18.07	20.01	21.53
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.75	0.81	4.17	3.5	3.25	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	11.59	7.97	8.72	12.44	14.95	24.79
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.47	7.04	8.16	11.29	13.09	24.95
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	13.15	8.16	9.2	15.25	16.82	29
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.05	4.5	6.86	8.93	10.89	20.84
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.58	0.93	0.96	0.78	0.84	0.86
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.43	0.82	0.9	0.71	0.74	0.87
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.66	0.95	1.01	0.96	0.95	1.01
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.25	0.52	0.76	0.56	0.61	0.72
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.71	1.11	1.15	1.01	1.07	1.1
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.52	0.98	1.08	0.91	0.93	1.1
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.8	1.13	1.21	1.23	1.2	1.28
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.31	0.62	0.9	0.72	0.78	0.92
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.94	2.97	2.92	2.51	2.89	4.05
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.42	2.63	2.73	2.28	2.53	4.07
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.2	3.05	3.08	3.08	3.25	4.73
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.85	1.68	2.3	1.8	2.1	3.4
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.91	6.91	7.92	8	9.79	9.97
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.59	6.1	7.42	7.26	8.57	10.03
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.57	7.08	8.36	9.81	11.01	11.66
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.14	3.9	6.23	5.74	7.13	8.38
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.69	6.35	7.93	8.14	9.03	10.65
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.73	7.36	8.94	11	11.6	12.38
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.2	4.06	6.66	6.44	7.51	8.9
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.23	0.46	3.98	3.27	2.89	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.01	0.88	4.33	4.07	3.61	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.55	2.79	2.46	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	16.65	28.1	29.55	25.17	27.48	25.61
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	18.89	28.78	31.19	30.86	30.92	29.96
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	65	143	1,305	1,212	1,027	-691
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	287	274	1,419	1,512	1,283	-340
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	-97	-150	1,163	1,034	875	-1,047

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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

Shares Outstanding	25	30	30	30	30	30	32	34	34	33	33	32	37	37	84
Diluted Weighted Avg Shares	25	29	29	29	29	30	31	34	34	33	33	32	37	38	88
Basic Weighted Avg Shares	25	29	29	29	29	30	31	33	33	33	33	32	37	37	87
Revenue per Share	4.68	6.69	6.54	7.07	7.29	7.67	8.17	8.16	8.46	8.59	9.45	10.13	10.02	9.51	6.33
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.12	1.27	1.23	1.47	1.69	1.77	1.62	2.48	2.62	1.44	3.52	3.39	2.02	1.84	1.03
Basic EPS from Cont Ops	1.17	1.31	1.29	1.54	1.78	1.87	1.71	2.59	2.62	1.44	3.52	3.39	2.02	1.84	1.03
Diluted EPS, GAAP	1.12	1.27	1.23	1.47	1.69	1.77	1.61	2.47	2.62	1.43	3.51	3.38	2.02	1.83	1.03
Diluted EPS from Cont Ops	1.17	1.31	1.29	1.54	1.78	1.87	1.71	2.58	2.62	1.43	3.51	3.38	2.02	1.83	1.03
Dividend per Share	0.81	0.81	0.81	0.81	0.85	0.86	0.86	0.94	1.05	1.1	1.14	1.24	1.29	1.29	0.72
Cash Flow per Share	1.88	2.03	2.52	2.87	2.19	2.64	2.72	3.68	3.07	3.39	4.07	3.73	3.15	2.81	2.57
Free Cash Flow per Basic Share	1.07	1.22	1.96	2.6	2.03	2.46	2.35	3.58	2.92	3.3	3.92	3.5	2.81	2.67	2.43
Cash & Equivalents per Share	11.01	18.94	19.69	20.65	19.69	19.5	18.49	17.67	17.24	35.76	31.95	32.21	28.1	38.44	44.51
Book Value per Share	20.25	20.71	20.71	21.61	22.42	23.31	24.82	26.77	28.08	28.51	30.33	30.74	32.1	32.65	29.78
Tangible Book Value per Share	18.2	15.32	15.49	16.51	17.43	18.42	20.38	21.82	23.19	23.56	25.37	25.71	25	25.74	23.32