InsCorp, Inc. Financial Ratios — IBTN Stock

Profitability (USD)

	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
Return on Common Equity (%)	- -	9.03	10.1	11.32	9.24	7.06	10.15	9.67	4.87	11.43	17.39	12.43	9.94	5.58
Return on Assets (%)	- -	0.76	0.81	0.84	0.8	0.66	0.9	0.84	0.42	0.92	1.42	1.06	0.85	0.45
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	3.98	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	3.86	2.31	30.56	1.96	3.19	3.07	3.32	3.4	2.49	2	2.24	2.26	2.04
Operating Margin (%)	- -	- -	- -	30.56	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	112.44	-204.79	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	32.16	34.78	33.38	30.65	29.27	30.72	32.1	34.74	19.81	35.05	48.24	41.93	36.04	14.23
Profit Margin (%)	26.34	22.4	21.88	19.6	19.94	17.78	24.94	27.42	15.51	27.83	37.46	33	28.89	14.82
Net Income to Common Margin (%)	26.34	22.4	21.88	19.6	19.45	17.78	24.94	27.42	15.51	27.83	37.46	33	28.89	14.82
Effective Tax Rate (%)	18.08	35.58	34.46	36.05	31.9	42.15	22.3	21.06	21.69	20.6	22.35	21.29	19.86	- -
Dvd Payout Ratio (%)	- -	12.95	14.28	- -	9.14	18.66	13.47	12.99	- -	11.67	11.87	11.83	16.36	29.88
Sustainable Growth Rate (%)	- -	7.86	8.66	11.32	8.39	5.74	8.78	8.42	4.87	10.09	15.32	10.96	8.32	3.91

Credit (USD)

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	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
Total Debt	34	34	38	35	45	49	60	64	65	52	92	71	69	66
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	48	29
LT Debt	34	34	38	35	45	49	60	64	65	52	92	71	21	37
Total Debt/EBITDA	- -	119.75	181.33	9.24	161.93	98.27	112.58	116.85	121.93	95.94	166.57	124.91	120.09	109.84
Net Debt/EBITDA	- -	49.56	111.31	3.59	100.1	53.8	54.75	57.04	53.32	-49.29	123.87	23.99	48.22	5.07
Total Debt/EBIT	- -	- -	- -	9.24	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	3.59	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.41	8.33	7.84	7.07	9.56	9.07	8.61	8.84	8.24	7.8	8.54	8.48	8.54	7.59
Long-Term Debt/Equity (%)	163.72	155.31	161.02	137.29	121.06	120.23	135.41	130.62	127.22	93.86	143.84	101.78	28.56	47.92
Long-Term Debt/Capital (%)	62.35	60.71	61.75	57.85	54.68	54.47	57.33	56.67	56.09	48.68	58.83	50.05	14.59	25.59
Long-Term Debt/Total Assets (%)	16.35	14.94	14.5	10.99	11.53	10.85	11.56	11.57	10.53	7.4	12.21	8.49	2.36	3.56
Total Debt/Equity (%)	163.72	155.31	161.02	137.29	121.06	120.23	135.41	130.62	127.22	93.86	143.84	101.78	92.45	85.03
Total Debt/Capital (%)	62.35	60.71	61.75	57.85	54.68	54.47	57.33	56.67	56.09	48.68	58.83	50.05	47.23	45.4
Total Debt/Total Assets (%)	16.35	14.94	14.5	10.99	11.53	10.85	11.56	11.57	10.53	7.4	12.21	8.49	7.65	6.31
Net Debt to Equity	48.83	64.28	98.85	53.36	74.84	65.82	65.85	63.76	55.63	-48.22	106.97	19.54	37.12	3.93
Net Debt/Capital (%)	33.06	39.01	49.77	34.79	42.72	39.58	39.52	38.96	35.84	-95.03	51.52	16.14	26.44	3.7
EBITDA	- -	- -	- -	4	- -	- -	1	1	1	1	1	1	1	1
EBITDA-CapEx	- -	- -	- -	4	-6	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	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
Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	8.41	8.33	7.84	7.07	9.56	9.07	8.61	8.84	8.24	7.8	8.54	8.48	8.54	7.59
Long-Term Debt/Equity (%)	163.72	155.31	161.02	137.29	121.06	120.23	135.41	130.62	127.22	93.86	143.84	101.78	28.56	47.92
Long-Term Debt/Capital (%)	62.35	60.71	61.75	57.85	54.68	54.47	57.33	56.67	56.09	48.68	58.83	50.05	14.59	25.59
Long-Term Debt/Total Assets (%)	16.35	14.94	14.5	10.99	11.53	10.85	11.56	11.57	10.53	7.4	12.21	8.49	2.36	3.56
Total Debt/Equity (%)	163.72	155.31	161.02	137.29	121.06	120.23	135.41	130.62	127.22	93.86	143.84	101.78	92.45	85.03
Total Debt/Capital (%)	62.35	60.71	61.75	57.85	54.68	54.47	57.33	56.67	56.09	48.68	58.83	50.05	47.23	45.4
Total Debt/Total Assets (%)	16.35	14.94	14.5	10.99	11.53	10.85	11.56	11.57	10.53	7.4	12.21	8.49	7.65	6.31
CFO/Total Liabilities	- -	0.61	0.5	- -	0.03	2.57	1.83	1.16	0.68	1.14	1.75	1.67	0.92	0.16
CFO/CapEx	- -	13.2	2.36	- -	0.01	31.38	8.96	20.58	21.41	28.7	54.12	50.13	24.5	1.51
Altman's Z-Score	0.03	0.04	0.05	0.1	0.13	0.14	0.13	0.14	0.12	0.13	0.16	0.15	0.15	0.15

Working Capital (USD)

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	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
Accounts Receivable Turnover	- -	25.57	14.62	37.06	25.21	13.16	12.01	9.84	8.63	11.9	13.16	8.79	7.09	7.16
Days Sales Outstanding	- -	14.28	24.97	9.85	14.48	27.73	30.4	37.09	42.31	30.67	27.74	41.51	51.47	50.98
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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	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
Market Capitalization	- -	- -	- -	- -	38	49	44	51	43	55	64	60	72	80
- Cash & Cash Equivalents	24	20	15	21	17	22	31	33	37	78	24	57	41	63
+ Preferred Equity and Hybrid Capital	3	3	3	3	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	34	34	38	35	45	49	60	64	65	52	92	71	69	66
Enterprise Value	13	- -	12	-3	47	55	50	61	54	6	91	16	44	23
Total Capital	54	55	61	61	83	90	105	113	116	106	156	142	146	146
Total Debt/Capital (%)	62.35	60.71	61.75	57.85	54.68	54.47	57.33	56.67	56.09	48.68	58.83	50.05	47.23	45.4
Total Debt / EV	2.58	867.11	3.18	-10.65	0.97	0.88	1.2	1.04	1.21	9.05	1	4.49	1.59	2.85
EV/Sales	2.08	0.01	1.31	- -	3.26	3.55	2.88	3.72	3.42	0.26	3.32	0.62	1.71	0.79
EV/EBITDA	- -	0.14	56.98	- -	166.16	111.48	93.93	112.1	100.68	10.61	165.93	27.82	75.62	38.6
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	0.03	10.11	- -	510.89	5.27	5.76	10.47	13.87	0.78	7.61	1.23	5.7	15.18
EV/Free Cash Flow to Firm	- -	0.03	7.1	- -	7.29	5.11	5.18	9.98	13.25	0.76	7.47	1.21	5.47	9.14
Diluted Market Cap	- -	- -	- -	- -	40	51	45	53	44	57	66	62	75	83
Diluted Enterprise Value	13	17	26	17	68	78	75	84	73	30	134	76	103	86
EV per Share	4.48	0.01	4.1	- -	19.64	19.3	17.22	21	18.35	1.96	31.8	5.51	15.08	8.09
TTM Sales	6	7	9	12	14	16	17	17	16	22	28	25	26	30
TTM EBITDA	- -	- -	- -	4	- -	- -	1	1	1	1	1	1	1	1
TTM Operating Income	- -	- -	- -	4	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	1	1	- -	- -	10	9	6	4	7	12	13	8	2
TTM Free Cash Flow to Firm	- -	1	2	- -	6	11	10	6	4	8	12	13	8	3

Multiples (USD)

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	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
Price/Free Cash Flow	- -	- -	- -	- -	6.2	4.69	4.7	8.59	10.91	7.51	5.35	4.74	9.42	32.49
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	13	- -	12	-3	47	55	50	61	54	6	91	16	44	23
Low Price	- -	- -	- -	- -	13.01	15.98	15.05	15.05	9.41	14.8	18.25	17.9	21.01	22.75
EV/Sales	2.08	0.01	1.31	- -	3.26	3.55	2.88	3.72	3.42	0.26	3.32	0.62	1.71	0.79
EV/EBITDA	- -	0.14	56.98	- -	166.16	111.48	93.93	112.1	100.68	10.61	165.93	27.82	75.62	38.6
Price/Earnings	- -	- -	- -	- -	13.67	17.64	10.1	11.3	17.79	9.19	6.19	7.18	9.8	18.2
Price/Earnings Average	- -	- -	- -	- -	13.83	17.52	11.88	10.86	16.79	8.31	5.66	6.9	9	16.78
Price/Earnings High	- -	- -	- -	- -	16.21	18.38	13.33	11.62	21.64	9.35	6.25	8.38	10.13	19.71
Price/Earnings Low	- -	- -	- -	- -	11.1	16.55	10.1	9.72	11.31	7.17	5.08	6.12	8.23	14.95
Price/Book Value	- -	- -	- -	- -	1.01	1.2	0.98	1.05	0.85	1.01	1	0.85	0.93	1
Price/Book Value Average	- -	- -	- -	- -	1.02	1.19	1.15	1	0.8	0.92	0.91	0.82	0.86	0.92
Price/Book Value High	- -	- -	- -	- -	1.2	1.25	1.29	1.08	1.03	1.03	1.01	0.99	0.97	1.08
Price/Book Value Low	- -	- -	- -	- -	0.82	1.12	0.98	0.9	0.54	0.79	0.82	0.72	0.79	0.82
Price/Tangible Book Value	- -	- -	- -	- -	1.05	1.24	1.01	1.07	0.87	1.02	1.02	0.88	0.98	1.04
Price/Tangible Book Value Average	- -	- -	- -	- -	1.06	1.23	1.19	1.03	0.82	0.93	0.93	0.84	0.9	0.96
Price/Tangible Book Value High	- -	- -	- -	- -	1.24	1.29	1.34	1.1	1.05	1.04	1.03	1.02	1.01	1.12
Price/Tangible Book Value Low	- -	- -	- -	- -	0.85	1.16	1.01	0.92	0.55	0.8	0.84	0.75	0.82	0.85
Price/Sales	- -	- -	- -	- -	2.66	3.14	2.52	3.1	2.76	2.56	2.32	2.37	2.83	2.7
Price/Sales Average	- -	- -	- -	- -	2.69	3.11	2.96	2.98	2.6	2.31	2.12	2.28	2.6	2.49
Price/Sales High	- -	- -	- -	- -	3.15	3.27	3.33	3.19	3.36	2.6	2.34	2.76	2.93	2.92
Price/Sales Low	- -	- -	- -	- -	2.16	2.94	2.52	2.67	1.75	1.99	1.9	2.02	2.38	2.22
Price/Cash Flow	- -	- -	- -	- -	417.04	4.65	5.04	8.72	11.18	7.57	5.32	4.71	9.45	51.95
Price/Cash Flow Average	- -	- -	- -	- -	421.88	4.62	5.92	8.38	10.55	6.84	4.87	4.52	8.68	47.89
Price/Cash Flow High	- -	- -	- -	- -	494.3	4.85	6.65	8.97	13.6	7.69	5.37	5.49	9.77	56.26
Price/Cash Flow Low	- -	- -	- -	- -	338.47	4.36	5.04	7.5	7.11	5.9	4.37	4.01	7.94	42.67
Price/Free Cash Flow Average	- -	- -	- -	- -	6.27	4.66	5.52	8.25	10.29	6.79	4.89	4.55	8.66	29.95
Price/Free Cash Flow High	- -	- -	- -	- -	7.34	4.89	6.2	8.83	13.27	7.64	5.4	5.52	9.74	35.19
Price/Free Cash Flow Low	- -	- -	- -	- -	5.03	4.4	4.7	7.38	6.94	5.86	4.39	4.04	7.92	26.69
EV/Sales Average	2.08	2.33	2.9	1.34	4.65	4.83	4.64	4.87	4.42	1.08	4.59	2.81	3.69	2.59
EV/Sales High	2.08	2.33	2.9	1.34	5.11	4.98	5.01	5.08	5.17	1.37	4.82	3.3	4.01	3.02
EV/Sales Low	2.08	2.33	2.9	1.34	4.12	4.66	4.2	4.56	3.57	0.77	4.38	2.56	3.47	2.32
EV/EBITDA Average	- -	60.24	125.65	4.38	237.31	151.53	151.35	146.82	129.96	43.49	229.99	125.87	163.41	126.85
EV/EBITDA High	- -	60.24	125.65	4.38	260.87	156.33	163.15	153.1	152.08	55.04	241	147.67	177.84	148.15
EV/EBITDA Low	- -	60.24	125.65	4.38	210.18	146.08	136.85	137.36	104.95	30.71	219.09	114.35	153.57	113.57
EV/EBIT Average	- -	- -	- -	4.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	4.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	4.38	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	16.03	17.03	15.05	17.5	14.8	18.99	22.24	21	25	27.7
High Price	- -	- -	- -	- -	19	17.75	19.87	18	18	19.3	22.45	24.5	25.85	30
Enterprise Value Average	13	17	26	17	67	75	81	80	69	23	127	72	94	77
Enterprise Value High	13	17	26	17	73	78	87	84	81	30	133	84	102	89
Enterprise Value Low	13	17	26	17	59	72	73	75	56	17	121	65	88	69

	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
Shares Outstanding	3	3	3	- -	- -	- -	3	3	3	3	3	3	3	3
Diluted Weighted Avg Shares	3	3	3	- -	2	3	3	3	3	3	3	3	3	3
Basic Weighted Avg Shares	3	3	3	- -	2	3	3	3	3	3	3	3	3	3
Revenue per Share	2.15	2.5	3.12	- -	6.03	5.43	5.97	5.65	5.36	7.42	9.59	8.86	8.83	10.27
EBITDA per Share	- -	0.1	0.07	- -	0.12	0.17	0.18	0.19	0.18	0.18	0.19	0.2	0.2	0.21
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.57	0.56	0.68	- -	1.17	0.97	1.49	1.55	0.83	2.07	3.59	2.92	2.55	1.52
Basic EPS from Cont Ops	0.57	0.56	0.68	- -	1.2	0.97	1.49	1.55	0.83	2.07	3.59	2.92	2.55	1.52
Diluted EPS, GAAP	0.57	0.56	0.68	- -	1.13	0.93	1.44	1.5	0.81	2.01	3.51	2.85	2.46	1.47
Diluted EPS from Cont Ops	0.57	0.56	0.68	- -	1.15	0.93	1.44	1.5	0.81	2.01	3.51	2.85	2.46	1.47
Dividend per Share	- -	0.07	0.1	- -	0.14	0.18	0.2	0.2	- -	0.24	0.43	0.35	0.42	0.45
Cash Flow per Share	- -	0.43	0.41	- -	0.04	3.66	2.99	2.01	1.32	2.51	4.18	4.46	2.65	0.53
Free Cash Flow per Basic Share	- -	0.4	0.23	- -	-2.62	3.55	2.66	1.91	1.26	2.42	4.1	4.37	2.54	0.18
Cash & Equivalents per Share	8.11	12.58	9.97	- -	15.53	14.74	18.47	18.39	18.67	34.78	22.36	40.23	33.87	42.64
Book Value per Share	5.95	6.45	7.04	- -	15.86	14.22	15.36	16.74	17.4	18.71	22.34	24.69	26.76	27.7
Tangible Book Value per Share	5.52	5.98	6.64	- -	15.28	13.72	14.86	16.39	17.1	18.54	21.81	23.93	25.53	26.71

InsCorp, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)