Enterprise Financial Services Corp Financial Ratios — EFSCP

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 (%)	86.48	58.49	46.64	27.99	30.72	30.13	23.62	33.64	27.04	18.63	29.22	36.48	28.24	22.3	20.81
Return on Assets (%)	0.82	0.84	1.02	0.84	1.12	1.27	1.03	1.63	1.43	0.87	1.14	1.53	1.41	1.23	1.22
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.85	2.91	3.26	2.61	2.21	2.04	2.82	2.65	4.04	3.8	3.55	2.84	2.1	1.9	1.85
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	29.14	28.29	34.78	30.63	41.39	45.48	41.37	45.98	41.59	29.42	42.31	52.68	45.55	43.51	46.03
Profit Margin (%)	19.38	18.69	22.99	20.28	27.25	29.68	23.04	39.23	33.24	23.8	33.38	41.23	35.86	34.86	32.67
Net Income to Common Margin (%)	18.04	17.71	22.99	20.28	27.25	29.68	23.04	39.23	33.24	23.8	33.38	40.41	35.16	34.15	32.06
Effective Tax Rate (%)	33.49	33.93	33.9	33.8	34.16	34.74	44.3	14.69	20.08	19.1	21.1	21.74	21.28	19.88	29.02
Dvd Payout Ratio (%)	15.11	14.85	11.92	15.37	13.68	16.81	21.27	12.16	17.87	26.61	19.66	16.89	19.64	21.79	22.82
Sustainable Growth Rate (%)	73.41	49.8	41.08	23.69	26.52	25.07	18.6	29.55	22.21	13.67	23.48	30.32	22.69	17.44	16.06

Credit (USD)

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	342	410	327	210	167	383	291	190	398	284	228	309	204	193	189
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	342	410	327	210	167	383	291	190	398	284	228	309	204	193	189
Total Debt/EBITDA	91.44	93.05	69.73	60.23	53.62	114.12	49.38	31.51	35.34	23.91	16.1	22.05	17.96	19.13	16.5
Net Debt/EBITDA	40.72	66.43	23.7	29.88	23.06	54.65	23.11	-1.3	20.42	-21.93	-127.2	0.8	-20.32	-56.34	-42.72
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	1.04	1.7	2.7	3.31	3.93	4.47	4.27	5.4	5.2	4.28	3.64	4.58	5.17	5.63	5.9
Long-Term Debt/Equity (%)	142.6	173.98	116.88	66.51	47.55	98.82	53.02	31.49	45.89	26.29	14.89	20.28	11.87	10.57	9.25
Long-Term Debt/Capital (%)	83.28	87.91	79.25	65.95	54.06	67.71	56.32	38.42	51.09	40.45	28.73	31.55	19.86	16.87	14.72
Long-Term Debt/Total Assets (%)	10.11	12.33	10.31	6.42	4.62	9.37	5.5	3.37	5.43	2.91	1.68	2.37	1.4	1.24	1.09
Total Debt/Equity (%)	142.6	173.98	116.88	66.51	47.55	98.82	53.02	31.49	45.89	26.29	14.89	20.28	11.87	10.57	9.25
Total Debt/Capital (%)	83.28	87.91	79.25	65.95	54.06	67.71	56.32	38.42	51.09	40.45	28.73	31.55	19.86	16.87	14.72
Total Debt/Total Assets (%)	10.11	12.33	10.31	6.42	4.62	9.37	5.5	3.37	5.43	2.91	1.68	2.37	1.4	1.24	1.09
Net Debt to Equity	63.5	124.22	39.73	33	20.45	47.32	24.81	-1.3	26.53	-24.11	-117.69	0.73	-13.43	-31.12	-23.95
Net Debt/Capital (%)	68.93	83.85	56.49	49.01	33.6	50.11	37.63	-2.65	37.64	-165.32	145.77	1.64	-38.95	-148.43	-80.75
EBITDA	4	4	5	3	3	3	6	6	11	12	14	14	11	10	11
EBITDA-CapEx	3	- -	3	2	1	1	3	3	5	10	12	12	5	3	-1
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	1.04	1.7	2.7	3.31	3.93	4.47	4.27	5.4	5.2	4.28	3.64	4.58	5.17	5.63	5.9
Long-Term Debt/Equity (%)	142.6	173.98	116.88	66.51	47.55	98.82	53.02	31.49	45.89	26.29	14.89	20.28	11.87	10.57	9.25
Long-Term Debt/Capital (%)	83.28	87.91	79.25	65.95	54.06	67.71	56.32	38.42	51.09	40.45	28.73	31.55	19.86	16.87	14.72
Long-Term Debt/Total Assets (%)	10.11	12.33	10.31	6.42	4.62	9.37	5.5	3.37	5.43	2.91	1.68	2.37	1.4	1.24	1.09
Total Debt/Equity (%)	142.6	173.98	116.88	66.51	47.55	98.82	53.02	31.49	45.89	26.29	14.89	20.28	11.87	10.57	9.25
Total Debt/Capital (%)	83.28	87.91	79.25	65.95	54.06	67.71	56.32	38.42	51.09	40.45	28.73	31.55	19.86	16.87	14.72
Total Debt/Total Assets (%)	10.11	12.33	10.31	6.42	4.62	9.37	5.5	3.37	5.43	2.91	1.68	2.37	1.4	1.24	1.09
CFO/Total Liabilities	0.86	1.21	1.01	1.06	1.45	2.23	0.97	2.16	1.43	1.56	1.34	1.88	2.1	1.8	1.27
CFO/CapEx	29.81	7.99	21.9	16.57	22.35	33.06	17.99	35.85	14.59	59.99	64.23	112.25	40.91	33.1	16.15
Altman's Z-Score	0.05	0.07	0.08	0.09	0.09	0.1	0.1	0.12	0.11	0.09	0.08	0.1	0.11	0.12	0.12

Working Capital (USD)

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	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	15.75	17.11	18.23	17.56	17.25	16.86	16.61	15.09	34.72	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	23.17	21.33	20.02	20.78	21.16	21.64	21.98	24.18	10.51	- -	- -	- -	- -	- -	- -
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)

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	190	117	216	106	95	199	155	198	168	544	2,027	298	434	760	677
+ Preferred Equity and Hybrid Capital	33	- -	- -	- -	- -	- -	- -	- -	- -	- -	72	72	72	72	72
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	342	410	327	210	167	383	291	190	398	284	228	309	204	193	189
Enterprise Value	-408	-347	-323	-296	-380	-278	-505	-729	-905	-1,173	-3,094	-1,453	-1,777	-2,358	-671
Total Capital	410	467	412	319	309	565	516	495	779	701	793	979	1,025	1,143	1,282
Total Debt/Capital (%)	83.28	87.91	79.25	65.95	54.06	67.71	56.32	38.42	51.09	40.45	28.73	31.55	19.86	16.87	14.72
Total Debt / EV	-0.84	-1.18	-1.01	-0.71	-0.44	-1.38	-0.58	-0.26	-0.44	-0.24	-0.07	-0.21	-0.11	-0.08	-0.28
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	185	293	111	104	72	183	136	-8	230	-260	-1,728	83	-158	-496	-416
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	131	151	144	134	141	165	209	227	279	312	399	492	541	531	616
TTM EBITDA	4	4	5	3	3	3	6	6	11	12	14	14	11	10	11
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	27	37	29	31	47	83	46	109	92	136	161	217	268	247	194
TTM Free Cash Flow to Firm	28	42	31	33	49	85	48	112	99	138	163	219	275	255	206

Multiples (USD)

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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-408	-347	-323	-296	-380	-278	-505	-729	-905	-1,173	-3,094	-1,453	-1,777	-2,358	-671
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.77	16.7	13.68	16.23	17.2
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	1.41	1.93	0.77	0.78	0.51	1.11	0.65	- -	0.82	- -	- -	0.17	- -	- -	- -
EV/Sales High	1.41	1.93	0.77	0.78	0.51	1.11	0.65	- -	0.82	- -	- -	0.17	- -	- -	- -
EV/Sales Low	1.41	1.93	0.77	0.78	0.51	1.11	0.65	- -	0.82	- -	- -	0.17	- -	- -	- -
EV/EBITDA Average	49.63	66.43	23.7	29.88	23.06	54.65	23.11	-1.3	20.42	-21.93	-122.11	5.94	-13.97	-49.2	-36.42
EV/EBITDA High	49.63	66.43	23.7	29.88	23.06	54.65	23.11	-1.3	20.42	-21.93	-122.11	5.94	-13.97	-49.2	-36.42
EV/EBITDA Low	49.63	66.43	23.7	29.88	23.06	54.65	23.11	-1.3	20.42	-21.93	-122.11	5.94	-13.97	-49.2	-36.42
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26	16.95	17	19.74	19.37
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	26	26	22.01	22.22	20.95
Enterprise Value Average	185	293	111	104	72	183	136	-8	230	-260	-1,728	83	-158	-496	-416
Enterprise Value High	185	293	111	104	72	183	136	-8	230	-260	-1,728	83	-158	-496	-416
Enterprise Value Low	185	293	111	104	72	183	136	-8	230	-260	-1,728	83	-158	-496	-416

Shares Outstanding	18	18	19	20	20	20	23	23	27	31	38	37	37	37	37
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Financial Services Corp

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

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