Franklin Credit Management Corporation Financial Ratios — FCRM

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Return on Common Equity (%)	- -	-173.72	- -	- -	10.65	25.98	-8.52	-1.92	-46.13	-71.43
Return on Assets (%)	- -	-12.85	-14.26	7.39	2.34	5.78	-2.18	-0.5	-9.68	-8.91
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	2.35	-27.93	-26.35	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	-30.9	-28.13	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	-166.28	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-9.66	-30.9	-28.13	21.57	9.1	-2.06	-18.52	5.46	-16.37	-22.45
Profit Margin (%)	-9.66	-30.42	-28.13	18.14	6.8	16.46	-7.07	-1.21	-25.62	-22.68
Net Income to Common Margin (%)	-9.66	-30.42	-28.24	18.14	6.8	16.46	-7.07	-1.21	-25.62	-22.68
Effective Tax Rate (%)	- -	- -	- -	15.91	25.24	- -	- -	122.12	- -	- -
Dvd Payout Ratio (%)	- -	- -	0.42	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	-173.72	- -	- -	10.65	25.98	-8.52	-1.92	-46.13	-71.43

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Debt	- -	1	1	- -	1	2	1	- -	3	4
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	1	1	- -	1	2	1	- -	3	4
Total Debt/EBITDA	- -	-0.36	-0.31	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-14.75	-0.15	0.17	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	-0.32	-0.29	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	-0.14	0.15	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.95	1.15	-13.11	25.41	18.81	25.93	25.11	27.43	15.24	9.02
Long-Term Debt/Equity (%)	- -	11.77	14.95	- -	12.33	16.27	7.77	4.26	36.85	48.29
Long-Term Debt/Capital (%)	- -	81.32	-197.67	- -	23.24	25.66	14.72	8.72	52.43	71.53
Long-Term Debt/Total Assets (%)	- -	5.01	4.17	- -	5.69	8.95	4.33	2.62	16.8	22.66
Total Debt/Equity (%)	- -	11.77	14.95	- -	12.33	16.27	7.77	4.26	36.85	48.29
Total Debt/Capital (%)	- -	81.32	-197.67	- -	23.24	25.66	14.72	8.72	52.43	71.53
Total Debt/Total Assets (%)	- -	5.01	4.17	- -	5.69	8.95	4.33	2.62	16.8	22.66
Net Debt to Equity	-33.33	4.99	-7.89	-70.43	-63.79	-74.75	-69.61	-67.14	-72.78	-66.4
Net Debt/Capital (%)	348.96	64.87	25.94	296.37	593.88	659.68	414.02	366.16	2,916.61	-5,940.91
EBITDA	- -	-3	-3	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	-3	-3	- -	-1	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	-3	-3	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.95	1.15	-13.11	25.41	18.81	25.93	25.11	27.43	15.24	9.02
Long-Term Debt/Equity (%)	- -	11.77	14.95	- -	12.33	16.27	7.77	4.26	36.85	48.29
Long-Term Debt/Capital (%)	- -	81.32	-197.67	- -	23.24	25.66	14.72	8.72	52.43	71.53
Long-Term Debt/Total Assets (%)	- -	5.01	4.17	- -	5.69	8.95	4.33	2.62	16.8	22.66
Total Debt/Equity (%)	- -	11.77	14.95	- -	12.33	16.27	7.77	4.26	36.85	48.29
Total Debt/Capital (%)	- -	81.32	-197.67	- -	23.24	25.66	14.72	8.72	52.43	71.53
Total Debt/Total Assets (%)	- -	5.01	4.17	- -	5.69	8.95	4.33	2.62	16.8	22.66
CFO/Total Liabilities	1.01	-25	-5.98	38.1	-2.72	-4.06	-8.01	-29.26	3.05	-45.91
CFO/CapEx	2.95	-43.23	-15.53	139.89	-0.5	-2.04	-115.99	- -	- -	- -
Altman's Z-Score	0.65	0.18	-0.08	0.9	0.69	0.83	0.83	1.03	0.62	0.56

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Accounts Receivable Turnover	- -	6.42	6.88	11.3	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	56.85	53.02	32.31	- -	- -	- -	- -	- -	- -
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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	2011 Y	2012 Y	2013 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Market Capitalization	- -	4	2	3	2	2	3	3	1	- -
- Cash & Cash Equivalents	5	1	1	8	7	9	8	8	7	5
+ Preferred Equity and Hybrid Capital	- -	- -	1	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	1	1	- -	1	2	1	- -	3	4
Enterprise Value	-5	4	3	-6	-3	-5	-5	-5	-2	-1
Total Capital	3	1	- -	6	6	8	6	6	7	5
Total Debt/Capital (%)	- -	81.32	-197.67	- -	23.24	25.66	14.72	8.72	52.43	71.53
Total Debt / EV	- -	0.26	0.32	- -	-0.38	-0.38	-0.19	-0.1	-1.47	-2.67
EV/Sales	- -	0.39	0.26	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	4	2	3	2	2	3	- -	1	- -
Diluted Enterprise Value	-5	4	3	-6	-3	-5	-5	-7	-2	-1
EV per Share	- -	0.39	0.26	- -	- -	- -	- -	- -	- -	- -
TTM Sales	13	10	10	9	8	8	6	8	7	7
TTM EBITDA	- -	-3	-3	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	-3	-3	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	-3	-1	4	- -	- -	-1	-2	- -	-4
TTM Free Cash Flow to Firm	- -	-3	-1	4	- -	- -	-1	-2	- -	-4

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Price/Free Cash Flow	- -	-1.24	-2.06	0.66	6.02	-8.95	-3.48	- -	2.97	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-5	4	3	-6	-3	-5	-5	-5	-2	-1
Low Price	- -	0.26	0.15	- -	0.2	0.13	0.15	0.15	0.1	0.1
EV/Sales	- -	0.39	0.26	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	1.61	3.83	1.4	- -	- -	- -	- -
Price/Earnings Average	- -	-1.05	-1.27	2.06	4.49	1.49	-5.42	-20.67	-1	- -
Price/Earnings High	- -	-1.17	-1.96	3.79	5.93	2.64	-19.65	-30.39	-1.59	- -
Price/Earnings Low	- -	-0.85	-0.52	- -	3.83	0.98	-3.27	-15.31	-0.53	- -
Price/Book Value	- -	15.05	-0.63	0.45	0.46	0.32	0.49	0.5	0.32	- -
Price/Book Value Average	- -	13.87	-1.38	0.58	0.54	0.34	0.48	0.4	0.6	- -
Price/Book Value High	- -	15.48	-2.13	1.07	0.72	0.61	1.75	0.59	0.95	- -
Price/Book Value Low	- -	11.18	-0.56	- -	0.46	0.22	0.29	0.3	0.32	- -
Price/Tangible Book Value	- -	0.41	0.4	0.21	0.19	0.15	0.22	0.22	0.11	- -
Price/Tangible Book Value Average	- -	0.37	0.86	0.27	0.22	0.16	0.22	0.18	0.2	- -
Price/Tangible Book Value High	- -	0.42	1.33	0.5	0.29	0.29	0.79	0.26	0.32	- -
Price/Tangible Book Value Low	- -	0.3	0.35	- -	0.19	0.11	0.13	0.13	0.11	- -
Price/Sales	- -	0.35	0.16	0.29	0.26	0.23	0.39	0.31	0.14	- -
Price/Sales Average	- -	0.32	0.36	0.37	0.31	0.25	0.38	0.25	0.26	- -
Price/Sales High	- -	0.36	0.55	0.69	0.4	0.43	1.39	0.37	0.41	- -
Price/Sales Low	- -	0.26	0.15	- -	0.26	0.16	0.23	0.18	0.14	- -
Price/Cash Flow	- -	-1.21	-1.93	0.67	-5.95	-4.56	-3.45	-1.21	2.97	- -
Price/Cash Flow Average	- -	-1.11	-4.2	0.85	-6.98	-4.87	-3.42	-0.98	5.51	- -
Price/Cash Flow High	- -	-1.24	-6.47	1.57	-9.21	-8.62	-12.4	-1.44	8.73	- -
Price/Cash Flow Low	- -	-0.9	-1.7	- -	-5.95	-3.19	-2.07	-0.73	2.91	- -
Price/Free Cash Flow Average	- -	-1.14	-4.49	0.85	7.07	-9.57	-3.45	- -	5.51	- -
Price/Free Cash Flow High	- -	-1.27	-6.92	1.56	9.33	-16.91	-12.51	- -	8.73	- -
Price/Free Cash Flow Low	- -	-0.92	-1.82	- -	6.02	-6.27	-2.09	- -	2.91	- -
EV/Sales Average	- -	0.36	0.45	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	0.4	0.64	- -	- -	- -	0.3	- -	- -	- -
EV/Sales Low	- -	0.3	0.24	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	-14.75	-1.29	-1.71	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-14.75	-1.43	-2.45	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-14.75	-1.07	-0.9	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	-1.17	-1.6	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	-1.29	-2.29	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	-0.97	-0.84	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	0.35	0.17	0.25	0.2	0.18	0.25	0.25	0.1	0.11
High Price	- -	0.36	0.57	0.59	0.31	0.34	0.9	0.3	0.3	0.25
Enterprise Value Average	-5	4	5	-5	-3	-5	-5	-5	-1	-1
Enterprise Value High	-5	4	7	-2	-2	-4	2	-4	- -	-1
Enterprise Value Low	-5	3	2	-8	-3	-6	-6	-6	-2	-1

	2011 Y	2012 Y	2013 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Shares Outstanding	10	10	10	10	10	10	10	10	10	10
Diluted Weighted Avg Shares	10	10	10	10	10	10	10	- -	10	- -
Basic Weighted Avg Shares	10	10	10	10	10	10	10	10	10	- -
Revenue per Share	1.34	1.01	1.03	0.86	0.77	0.78	0.65	0.81	0.74	- -
EBITDA per Share	0.03	-0.28	-0.27	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	-0.31	-0.29	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-0.13	-0.31	-0.29	0.16	0.05	0.13	-0.05	-0.01	-0.19	- -
Basic EPS from Cont Ops	-0.13	-0.31	-0.29	0.16	0.05	0.13	-0.05	-0.01	-0.19	- -
Diluted EPS, GAAP	-0.13	-0.31	-0.29	0.16	0.05	0.13	-0.05	- -	-0.19	- -
Diluted EPS from Cont Ops	-0.13	-0.31	-0.29	0.16	0.05	0.13	-0.05	- -	-0.19	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.01	-0.29	-0.09	0.38	-0.03	-0.04	-0.07	-0.21	0.03	- -
Free Cash Flow per Basic Share	0.01	-0.3	-0.09	0.37	-0.1	-0.06	-0.07	-0.21	0.03	- -
Cash & Equivalents per Share	0.46	0.06	0.13	0.83	0.68	0.89	0.8	0.76	0.69	- -
Book Value per Share	0.33	0.02	-0.27	0.55	0.43	0.56	0.51	0.5	0.32	- -
Tangible Book Value per Share	1.39	0.86	0.43	1.18	1.06	1.19	1.14	1.13	0.94	- -

Franklin Credit Management Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)