Provident Financial Services, Inc Financial Ratios — PQ3

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 (%)	6.12	6.96	7.08	6.83	7.16	7.17	7.37	8.91	8.12	6.39	10.13	10.66	7.81	5.38	10.72
Return on Assets (%)	0.82	0.94	0.96	0.92	0.96	0.95	0.97	1.21	1.15	0.85	1.26	1.27	0.92	0.6	1.19
Return on Capital (%)	3.38	4.5	4.08	3.37	3.32	3.28	3.35	4.24	4.37	3.73	6.8	6.94	4.28	2.87	5.73
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	31.06	36.84	40.71	37.64	39.38	39.74	42.07	40.05	40.66	33.13	50.16	47.51	36.68	21.54	46.89
Profit Margin (%)	23.07	25.78	27.11	26.29	27.44	27.97	28.14	32.94	31.13	25.18	37.08	34.76	26.79	16.63	33.45
Net Income to Common Margin (%)	23.07	25.78	27.11	26.29	27.44	27.97	28.14	32.94	31.13	25.18	37.08	34.76	26.79	16.63	33.45
Effective Tax Rate (%)	25.71	30.02	33.4	30.15	30.33	29.64	33.12	17.74	23.42	23.99	26.06	26.85	26.95	22.79	28.66
Dvd Payout Ratio (%)	46.74	60.55	45.82	49.05	49.31	51.67	63.84	45.28	64.64	67.89	42.57	41	56.42	87.39	43.24
Sustainable Growth Rate (%)	3.26	2.74	3.84	3.48	3.63	3.47	2.66	4.88	2.87	2.05	5.82	6.29	3.4	0.68	6.08

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	548	508	958	1,263	1,446	1,456	1,599	1,321	1,064	1,101	520	1,250	1,459	2,309	2,424
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	548	508	958	1,263	1,446	1,456	1,599	1,321	1,064	1,101	520	1,250	1,459	2,309	2,424
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	13.42	13.47	13.5	13.42	13.42	13.18	13.19	13.97	14.41	12.54	12.31	11.59	11.9	10.82	11.34
Long-Term Debt/Equity (%)	57.57	51.74	94.74	110.42	120.92	116.32	123.15	97.2	75.28	67.98	30.66	78.23	86.28	88.76	85.54
Long-Term Debt/Capital (%)	36.54	34.1	48.65	52.48	54.73	53.77	55.19	49.29	42.95	40.47	23.46	43.89	46.32	47.02	46.1
Long-Term Debt/Total Assets (%)	7.73	6.97	12.79	14.82	16.23	15.33	16.24	13.58	10.85	8.52	3.78	9.07	10.26	9.6	9.7
Total Debt/Equity (%)	57.57	51.74	94.74	110.42	120.92	116.32	123.15	97.2	75.28	67.98	30.66	78.23	86.28	88.76	85.54
Total Debt/Capital (%)	36.54	34.1	48.65	52.48	54.73	53.77	55.19	49.29	42.95	40.47	23.46	43.89	46.32	47.02	46.1
Total Debt/Total Assets (%)	7.73	6.97	12.79	14.82	16.23	15.33	16.24	13.58	10.85	8.52	3.78	9.07	10.26	9.6	9.7
Net Debt to Equity	50.26	41.15	84.72	101.35	112.37	104.79	108.46	86.7	62.08	35.12	-11.32	66.56	75.61	80.84	78.08
Net Debt/Capital (%)	33.45	29.16	45.86	50.33	52.91	51.17	52.03	46.44	38.3	25.99	-12.77	39.96	43.06	44.7	43.84
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	13.42	13.47	13.5	13.42	13.42	13.18	13.19	13.97	14.41	12.54	12.31	11.59	11.9	10.82	11.34
Long-Term Debt/Equity (%)	57.57	51.74	94.74	110.42	120.92	116.32	123.15	97.2	75.28	67.98	30.66	78.23	86.28	88.76	85.54
Long-Term Debt/Capital (%)	36.54	34.1	48.65	52.48	54.73	53.77	55.19	49.29	42.95	40.47	23.46	43.89	46.32	47.02	46.1
Long-Term Debt/Total Assets (%)	7.73	6.97	12.79	14.82	16.23	15.33	16.24	13.58	10.85	8.52	3.78	9.07	10.26	9.6	9.7
Total Debt/Equity (%)	57.57	51.74	94.74	110.42	120.92	116.32	123.15	97.2	75.28	67.98	30.66	78.23	86.28	88.76	85.54
Total Debt/Capital (%)	36.54	34.1	48.65	52.48	54.73	53.77	55.19	49.29	42.95	40.47	23.46	43.89	46.32	47.02	46.1
Total Debt/Total Assets (%)	7.73	6.97	12.79	14.82	16.23	15.33	16.24	13.58	10.85	8.52	3.78	9.07	10.26	9.6	9.7
CFO/Total Liabilities	1.53	1.72	1.85	1.38	1.49	1.54	1.37	1.86	1.63	0.91	1.3	1.64	1.38	1.99	2
CFO/CapEx	10.98	14.14	15.56	6.18	19.44	25.49	36.28	49.25	28.05	8.05	11.36	21.28	23.16	326.23	38.33
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital 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

Accounts Receivable Turnover	9.96	10.73	11.08	11.62	11.97	11.88	11.77	11.76	11.96	10.2	10.24	10.76	8.65	9.26	9.31
Days Sales Outstanding	36.65	34.03	32.94	31.4	30.5	30.72	31.01	31.04	30.52	35.78	35.64	33.91	42.22	39.44	39.2
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)

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2,563
- Cash & Cash Equivalents	70	104	101	104	102	144	191	143	187	532	712	187	180	206	211
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	548	508	958	1,263	1,446	1,456	1,599	1,321	1,064	1,101	520	1,250	1,459	2,309	2,424
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,662
Total Capital	1,501	1,489	1,968	2,407	2,642	2,708	2,898	2,680	2,478	2,721	2,217	2,848	3,149	4,910	5,257
Total Debt/Capital (%)	36.54	34.1	48.65	52.48	54.73	53.77	55.19	49.29	42.95	40.47	23.46	43.89	46.32	47.02	46.1
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.52
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.36
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.54
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	10.82
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2,561
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,659
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	35.69
TTM Sales	249	261	260	280	305	314	334	359	362	385	453	505	479	695	870
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	94	108	120	102	115	127	117	156	137	103	157	200	173	426	442
TTM Free Cash Flow to Firm	85	101	112	85	109	122	114	153	132	90	143	191	166	425	431

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.95
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,662
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	14.46
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.36
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.79
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	8.07
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	9.29
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.48
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.9
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.83
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.96
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.67
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.25
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.15
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	1.32
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.92
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.94
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.7
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3.11
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.17
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.79
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.31
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.11
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.26
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.46
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.28
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.38
EV/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.11
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	5.52
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.58
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	19.62
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	20.73
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,451
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4,806
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3,987

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	60	60	60	65	65	66	67	66	66	78	77	75	76	130	131
Diluted Weighted Avg Shares	57	57	57	61	63	64	65	65	65	70	77	75	75	110	131
Basic Weighted Avg Shares	57	57	57	60	63	64	64	65	65	70	76	75	75	110	130
Revenue per Share	4.37	4.57	4.55	4.64	4.85	4.93	5.19	5.53	5.6	5.54	5.92	6.76	6.4	6.33	6.67
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.01	1.18	1.23	1.22	1.33	1.38	1.46	1.82	1.74	1.39	2.2	2.35	1.72	1.05	2.23
Basic EPS from Cont Ops	1.01	1.18	1.23	1.22	1.33	1.38	1.46	1.82	1.74	1.39	2.2	2.35	1.72	1.05	2.23
Diluted EPS, GAAP	1.01	1.18	1.23	1.22	1.33	1.38	1.45	1.82	1.74	1.39	2.19	2.35	1.71	1.05	2.23
Diluted EPS from Cont Ops	1.01	1.18	1.23	1.22	1.33	1.38	1.45	1.82	1.74	1.39	2.19	2.35	1.71	1.05	2.23
Dividend per Share	0.47	0.71	0.56	0.6	0.66	0.71	0.93	0.83	1.13	0.95	0.93	0.96	0.97	0.92	0.97
Cash Flow per Share	1.65	1.89	2.1	1.68	1.82	2	1.82	2.4	2.12	1.49	2.05	2.68	2.32	3.89	3.39
Free Cash Flow per Basic Share	1.5	1.76	1.96	1.41	1.73	1.92	1.77	2.35	2.04	1.3	1.87	2.56	2.22	3.88	3.3
Cash & Equivalents per Share	24.11	22.82	21.01	18.15	16.29	17.93	18.46	18.18	17.69	21.1	35.99	26.47	24.76	22.8	2.49
Book Value per Share	15.88	16.37	16.87	17.63	18.26	18.94	19.52	20.49	21.49	20.87	22.05	21.25	22.38	19.93	21.69
Tangible Book Value per Share	9.87	10.4	10.92	11.4	11.75	12.54	13.2	14.18	14.85	14.86	16.02	15.12	16.32	13.66	15.7