Foresight Financial Group, Inc. Financial Ratios — FGFH

Profitability (USD)

	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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 (%)	- -	12.32	11.82	10.76	9.36	8.28	6.99	7.37	9.65	10.85	8.61	4.86
Return on Assets (%)	- -	1.05	0.98	1.01	0.97	0.92	0.79	0.8	0.93	0.95	0.79	0.48
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	7.61	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	41.23	39.05	3.79	2.13	2.86	3.18	2.48	2.08	2.05	2.94	2.6	2.53
Operating Margin (%)	38.12	35.55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	-21.76	-866.14	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	38.12	35.55	35.42	33.63	30.7	30.89	26.63	28.83	32.74	33.65	28.9	17.44
Profit Margin (%)	26.9	25.43	25.35	21.45	24.97	23.97	20.99	22.45	25.2	25.6	22.54	13.53
Net Income to Common Margin (%)	26.9	25.43	25.35	21.45	24.97	23.97	20.99	22.45	25.2	25.6	22.54	13.53
Effective Tax Rate (%)	29.42	28.46	28.44	36.23	18.67	22.41	21.19	22.14	23.05	23.92	21.99	22.42
Dvd Payout Ratio (%)	6.21	12.58	13.21	10.3	9.75	11.15	13.06	13.56	14.18	15.73	19.97	36.71
Sustainable Growth Rate (%)	- -	10.77	10.26	9.65	8.45	7.36	6.07	6.37	8.28	9.14	6.89	3.08

Credit (USD)

Credit Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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	26	34	33	38	33	15	35	17	7	26	41	53
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	26	34	33	38	33	15	35	17	7	26	41	53
Total Debt/EBITDA	2.83	3.68	35.83	41.73	25.55	10.28	28.59	16.22	6.66	15.52	28.02	36.3
Net Debt/EBITDA	-0.46	-0.16	-2.32	-6.67	-3.17	-31.76	-82.78	-79.22	-31.66	-12.89	-17.66	17.89
Total Debt/EBIT	3.06	4.04	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-0.5	-0.17	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.65	8.34	8.27	10.08	10.63	11.6	11.11	10.68	8.61	8.95	9.39	10.2
Long-Term Debt/Equity (%)	55.74	67.52	60.56	32.64	26.48	10.68	22.62	11	5.79	18.42	26.67	31.38
Long-Term Debt/Capital (%)	35.79	40.31	37.72	24.61	20.94	9.65	18.44	9.91	5.47	15.56	21.05	23.89
Long-Term Debt/Total Assets (%)	4.82	5.63	5.01	3.29	2.81	1.24	2.51	1.17	0.5	1.65	2.5	3.2
Total Debt/Equity (%)	55.74	67.52	60.56	32.64	26.48	10.68	22.62	11	5.79	18.42	26.67	31.38
Total Debt/Capital (%)	35.79	40.31	37.72	24.61	20.94	9.65	18.44	9.91	5.47	15.56	21.05	23.89
Total Debt/Total Assets (%)	4.82	5.63	5.01	3.29	2.81	1.24	2.51	1.17	0.5	1.65	2.5	3.2
Net Debt to Equity	-9.04	-2.86	-3.92	-5.22	-3.28	-33.01	-65.49	-53.74	-27.53	-15.3	-16.81	15.47
Net Debt/Capital (%)	-7.61	-2.18	-3.1	-5.51	-3.4	-49.27	-189.81	-116.16	-37.98	-18.06	-20.21	13.39
EBITDA	9	9	1	1	1	1	1	1	1	2	1	1
EBITDA-CapEx	6	7	- -	-3	-2	1	1	1	- -	- -	- -	- -
Operating Income (Loss)	9	8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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	8.65	8.34	8.27	10.08	10.63	11.6	11.11	10.68	8.61	8.95	9.39	10.2
Long-Term Debt/Equity (%)	55.74	67.52	60.56	32.64	26.48	10.68	22.62	11	5.79	18.42	26.67	31.38
Long-Term Debt/Capital (%)	35.79	40.31	37.72	24.61	20.94	9.65	18.44	9.91	5.47	15.56	21.05	23.89
Long-Term Debt/Total Assets (%)	4.82	5.63	5.01	3.29	2.81	1.24	2.51	1.17	0.5	1.65	2.5	3.2
Total Debt/Equity (%)	55.74	67.52	60.56	32.64	26.48	10.68	22.62	11	5.79	18.42	26.67	31.38
Total Debt/Capital (%)	35.79	40.31	37.72	24.61	20.94	9.65	18.44	9.91	5.47	15.56	21.05	23.89
Total Debt/Total Assets (%)	4.82	5.63	5.01	3.29	2.81	1.24	2.51	1.17	0.5	1.65	2.5	3.2
CFO/Total Liabilities	1.61	1.45	1.13	1.15	1.78	1.61	1.48	1.44	1.48	1.25	0.86	1.09
CFO/CapEx	2.39	3.32	8.97	3.21	4.95	18	40.94	41.01	12.7	13.79	9.09	11.89
Altman's Z-Score	0.28	0.27	0.23	0.24	0.25	0.26	0.23	0.24	0.24	0.23	0.24	0.25

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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	- -	- -	- -	14.66	7.67	7.66	8.08	8.71	8.46	6.68	5.45	5.47
Days Sales Outstanding	- -	- -	- -	24.9	47.6	47.68	45.16	41.89	43.16	54.65	66.98	66.79
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

	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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	73	77	86	115	121	129	106	117	98	85	119	151
- Cash & Cash Equivalents	17	18	19	44	37	62	136	100	42	48	67	27
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	26	34	33	38	33	15	35	17	7	26	41	53
Enterprise Value	82	92	100	-164	-178	-219	-357	-406	-328	-302	-277	-74
Total Capital	73	83	87	156	159	156	189	172	135	167	194	224
Total Debt/Capital (%)	35.79	40.31	37.72	24.61	20.94	9.65	18.44	9.91	5.47	15.56	21.05	23.89
Total Debt / EV	0.32	0.36	0.33	-0.23	-0.19	-0.07	-0.1	-0.04	-0.02	-0.09	-0.15	-0.72
EV/Sales	3.67	3.96	4.12	- -	- -	- -	- -	- -	- -	- -	2.06	- -
EV/EBITDA	8.9	10.13	108.59	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	9.63	11.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	10.33	11.65	14.62	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	7.28	8.95	13.15	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	73	76	86	120	126	134	112	121	98	85	116	151
Diluted Enterprise Value	82	91	100	114	122	88	11	38	63	64	91	178
EV per Share	21.43	24.14	26.86	- -	- -	- -	- -	- -	- -	- -	33	- -
TTM Sales	22	23	24	43	46	46	49	51	54	57	56	58
TTM EBITDA	9	9	1	1	1	1	1	1	1	2	1	1
TTM Operating Income	9	8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	8	8	7	12	19	17	18	19	20	18	13	16
TTM Free Cash Flow to Firm	11	10	8	16	23	18	19	19	22	19	14	18

Multiples (USD)

Valuation Multiples API ChatGPT

	2004 Y	2005 Y	2006 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2004	12/31/2005	12/31/2006	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	6.48	7.38	11.28	7.58	5.59	7.36	5.98	6.34	4.57	4.44	8.21	8.59
EV/EBIT	9.63	11.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	82	92	100	-164	-178	-219	-357	-406	-328	-302	-277	-74
Low Price	16.5	19	19.3	29.7	32.24	32.87	20.25	29.1	25.62	22.25	23.9	30.25
EV/Sales	3.67	3.96	4.12	- -	- -	- -	- -	- -	- -	- -	2.06	- -
EV/EBITDA	8.9	10.13	108.59	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	11.92	12.66	13.86	12.81	10.99	12.12	10.82	10.59	7.2	5.86	9.15	19.14
Price/Earnings Average	11.28	12.14	12.69	12.25	11.28	11.88	10.11	10.24	8.26	6.19	8.39	15.37
Price/Earnings High	13.08	12.66	14.01	12.99	11.71	12.39	13.07	10.61	9.07	6.92	9.63	19.38
Price/Earnings Low	10.28	11.95	11.63	11.75	10.44	11.04	7.33	9.37	6.7	5.45	6.62	13.86
Price/Book Value	1.57	1.55	1.57	0.98	0.96	0.91	0.69	0.76	0.77	0.61	0.77	0.88
Price/Book Value Average	1.48	1.49	1.44	0.94	0.99	0.9	0.65	0.73	0.88	0.64	0.71	0.71
Price/Book Value High	1.72	1.55	1.59	1	1.03	0.93	0.84	0.76	0.97	0.72	0.82	0.9
Price/Book Value Low	1.35	1.46	1.32	0.9	0.92	0.83	0.47	0.67	0.72	0.56	0.56	0.64
Price/Tangible Book Value	1.57	1.55	1.57	1	0.98	0.92	0.7	0.77	0.79	0.62	0.79	0.9
Price/Tangible Book Value Average	1.48	1.49	1.44	0.96	1.01	0.91	0.65	0.74	0.91	0.66	0.72	0.72
Price/Tangible Book Value High	1.72	1.55	1.59	1.02	1.04	0.94	0.84	0.77	1	0.73	0.83	0.91
Price/Tangible Book Value Low	1.35	1.46	1.32	0.92	0.93	0.84	0.47	0.68	0.74	0.58	0.57	0.65
Price/Sales	3.21	3.22	3.51	2.75	2.75	2.91	2.27	2.38	1.81	1.5	2.06	2.59
Price/Sales Average	3.03	3.09	3.22	2.63	2.82	2.85	2.12	2.3	2.08	1.59	1.89	2.08
Price/Sales High	3.52	3.22	3.55	2.79	2.92	2.97	2.74	2.38	2.28	1.77	2.17	2.62
Price/Sales Low	2.77	3.04	2.95	2.52	2.61	2.65	1.54	2.1	1.69	1.4	1.49	1.88
Price/Cash Flow	9.02	9.48	12.46	9.82	6.66	7.73	6.11	6.46	4.91	4.76	9.06	9.26
Price/Cash Flow Average	8.54	9.09	11.41	9.39	6.83	7.57	5.71	6.25	5.63	5.03	8.32	7.44
Price/Cash Flow High	9.91	9.48	12.6	9.96	7.09	7.9	7.38	6.47	6.18	5.62	9.54	9.38
Price/Cash Flow Low	7.78	8.95	10.46	9	6.33	7.04	4.14	5.72	4.57	4.43	6.56	6.7
Price/Free Cash Flow Average	6.14	7.07	10.33	7.25	5.73	7.22	5.59	6.13	5.24	4.69	7.53	6.9
Price/Free Cash Flow High	7.12	7.38	11.4	7.69	5.95	7.53	7.23	6.35	5.75	5.25	8.64	8.7
Price/Free Cash Flow Low	5.59	6.96	9.46	6.95	5.31	6.71	4.06	5.6	4.25	4.13	5.94	6.22
EV/Sales Average	3.49	3.82	3.82	2.42	2.63	1.73	0.07	0.59	1.43	1.21	1.48	2.53
EV/Sales High	3.99	3.96	4.16	2.57	2.74	1.85	0.57	0.67	1.63	1.4	1.77	3.08
EV/Sales Low	3.22	3.77	3.55	2.31	2.43	1.54	4.24	0.4	1.04	1.02	1.07	2.33
EV/EBITDA Average	8.47	9.78	100.75	113.56	92.25	54.38	-1.09	28.45	70.02	41.08	56.99	100.08
EV/EBITDA High	9.68	10.13	109.6	120.81	95.89	58.09	22.89	32.26	79.94	47.45	67.98	121.51
EV/EBITDA Low	7.81	9.66	93.63	108.58	85.18	48.28	-23.51	19.23	50.86	34.63	41.24	91.99
EV/EBIT Average	9.17	10.75	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	10.47	11.13	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	8.45	10.61	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	19.13	20.13	23	32.4	33.95	36.1	29.88	32.9	27.5	23.9	33	41.78
High Price	21	20.13	23.25	32.85	36.15	36.9	36.1	32.95	34.65	28.25	34.75	42.3
Enterprise Value Average	78	89	93	104	120	80	-1	30	77	69	83	147
Enterprise Value High	89	92	101	111	125	85	28	34	88	79	99	179
Enterprise Value Low	72	88	86	100	111	71	-29	20	56	58	60	135

Shares Outstanding	4	4	4	4	4	4	4	4	4	4	4	4
Diluted Weighted Avg Shares	4	4	4	4	4	4	4	4	4	4	4	4
Basic Weighted Avg Shares	4	4	4	4	4	4	4	4	4	4	4	4
Revenue per Share	5.97	6.25	6.55	11.79	12.37	12.42	13.16	13.84	15.17	15.94	16.01	16.13
EBITDA per Share	2.46	2.44	0.25	0.25	0.35	0.4	0.33	0.29	0.31	0.47	0.42	0.41
Operating Income per Share	2.27	2.22	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	1.6	1.59	1.66	2.53	3.09	2.98	2.76	3.11	3.82	4.08	3.61	2.18
Basic EPS from Cont Ops	1.6	1.59	1.66	2.53	3.09	2.98	2.76	3.11	3.82	4.08	3.61	2.18
Diluted EPS, GAAP	1.58	1.57	1.65	2.5	3.06	2.96	2.75	3.09	3.81	4.08	3.59	2.17
Diluted EPS from Cont Ops	1.58	1.57	1.65	2.5	3.06	2.96	2.75	3.09	3.81	4.08	3.59	2.17
Dividend per Share	0.1	0.2	0.22	0.26	0.3	0.33	0.36	0.42	0.54	0.64	0.72	0.8
Cash Flow per Share	2.12	2.12	1.85	3.3	5.1	4.67	4.89	5.09	5.6	5.02	3.64	4.51
Free Cash Flow per Basic Share	1.23	1.48	1.64	2.27	4.07	4.41	4.77	4.97	5.16	4.66	3.24	4.13
Cash & Equivalents per Share	4.5	4.75	5	89.11	93.25	101.71	139.75	151.69	121.75	115.68	121.36	77.08
Book Value per Share	12.2	12.98	14.63	32.95	35.21	39.51	43.18	43.57	35.71	39.44	42.63	47.21
Tangible Book Value per Share	12.2	12.98	14.63	32.24	34.63	39.07	42.78	43	34.81	38.52	41.84	46.44

Foresight Financial Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)