Lifestore Financial Group, Inc. Financial Ratios — LSFG

Profitability (USD)

	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Return on Common Equity (%)	6.73	5.55	5.81	0.43	4.53	-3.8	7.97	11.51	14.74	21.8	15.19	20.54	12.84	13.67	10.5
Return on Assets (%)	0.49	0.37	0.34	0.02	0.2	-0.15	0.3	0.46	0.62	1.44	1.29	1.82	1.23	1.43	1.16
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	1.61	0.1	- -	- -	1.3	2.12	3.22	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	26.15	5.89	17.61	6.4	6.27	3.17	17.27	22.21	23.38	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	10.33	1.07	- -	-4.24	10.17	13.71	16.53	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	63.97	-84.35	-10.28	- -	148.8	51.12	63.69	-48.07	- -	- -	- -	- -	- -
Pretax Margin (%)	61.14	11.96	10.33	1.07	6.63	-4.24	10.17	13.71	16.53	26.93	25.59	35.07	28.65	30.41	27
Profit Margin (%)	41.92	6.94	6.28	0.42	3.94	-3.03	5.78	8.31	11.29	22.51	21.66	28.95	23.14	25.33	22.4
Net Income to Common Margin (%)	41.92	6.94	6.28	0.42	3.94	-3.03	5.78	8.31	11.29	22.51	21.66	28.95	23.14	25.33	22.4
Effective Tax Rate (%)	31.43	41.96	39.15	60.95	40.55	- -	43.19	39.42	31.67	16.41	15.35	17.45	19.22	16.72	17.06
Dvd Payout Ratio (%)	39.92	45.55	42.37	572.38	47.64	-47.28	15.89	10.12	6.97	6.47	6.91	4.46	8.44	8.77	11.3
Sustainable Growth Rate (%)	4.04	3.02	3.35	-2.04	2.37	-5.59	6.71	10.35	13.71	20.39	14.14	19.62	11.75	12.47	9.31

Credit (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Total Debt	3	16	19	25	27	39	35	35	27	38	36	19	13	13	5
ST Debt	- -	- -	- -	19	- -	- -	3	5	1	- -	- -	- -	- -	- -	- -
LT Debt	3	16	19	6	27	39	32	30	26	38	36	19	13	13	5
Total Debt/EBITDA	8.8	42.76	13.62	45.9	45.83	122.24	17.82	12.75	8.85	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	8.8	42.76	13.62	45.9	45.83	122.24	17.82	12.75	8.85	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	23.21	273.96	- -	-91.45	30.25	20.65	12.52	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	23.21	273.96	- -	-91.45	30.25	20.65	12.52	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.26	6.26	5.54	4.65	4.35	3.73	3.92	4.08	4.33	8.48	8.47	9.18	9.98	10.99	11.04
Long-Term Debt/Equity (%)	23.08	131.12	143.3	50.45	211.36	315.95	245.18	213.25	170.06	121.59	100.7	43.91	30.24	27.69	9.81
Long-Term Debt/Capital (%)	26.1	66.34	68.7	19.2	76.62	83.33	74.48	67.63	69.34	59.84	55.13	34.85	24.62	22.37	9.37
Long-Term Debt/Total Assets (%)	2.57	12.33	12.17	3.65	14.27	18.62	14.93	13.02	10.77	12.64	10.41	4.91	3.26	3.17	1.14
Total Debt/Equity (%)	23.08	131.12	143.3	198.45	211.36	315.95	264.89	248.53	173.48	121.59	100.7	43.91	30.24	27.69	9.81
Total Debt/Capital (%)	26.1	66.34	68.7	75.54	76.62	83.33	80.46	78.82	70.73	59.84	55.13	34.85	24.62	22.37	9.37
Total Debt/Total Assets (%)	2.57	12.33	12.17	14.35	14.27	18.62	16.13	15.17	10.98	12.64	10.41	4.91	3.26	3.17	1.14
Net Debt to Equity	23.08	131.12	143.3	198.45	211.36	315.95	264.89	248.53	173.48	- -	- -	- -	- -	- -	- -
Net Debt/Capital (%)	26.1	66.34	68.7	75.54	76.62	83.33	80.46	78.82	70.73	- -	- -	- -	- -	- -	- -
EBITDA	- -	- -	1	1	1	- -	2	3	3	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-1	- -	1	1	1	- -	2	3	3	-1	-1	- -	-1	-3	- -
Operating Income (Loss)	- -	- -	1	- -	- -	- -	1	2	2	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 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	7.26	6.26	5.54	4.65	4.35	3.73	3.92	4.08	4.33	8.48	8.47	9.18	9.98	10.99	11.04
Long-Term Debt/Equity (%)	23.08	131.12	143.3	50.45	211.36	315.95	245.18	213.25	170.06	121.59	100.7	43.91	30.24	27.69	9.81
Long-Term Debt/Capital (%)	26.1	66.34	68.7	19.2	76.62	83.33	74.48	67.63	69.34	59.84	55.13	34.85	24.62	22.37	9.37
Long-Term Debt/Total Assets (%)	2.57	12.33	12.17	3.65	14.27	18.62	14.93	13.02	10.77	12.64	10.41	4.91	3.26	3.17	1.14
Total Debt/Equity (%)	23.08	131.12	143.3	198.45	211.36	315.95	264.89	248.53	173.48	121.59	100.7	43.91	30.24	27.69	9.81
Total Debt/Capital (%)	26.1	66.34	68.7	75.54	76.62	83.33	80.46	78.82	70.73	59.84	55.13	34.85	24.62	22.37	9.37
Total Debt/Total Assets (%)	2.57	12.33	12.17	14.35	14.27	18.62	16.13	15.17	10.98	12.64	10.41	4.91	3.26	3.17	1.14
CFO/Total Liabilities	1.1	0.74	0.36	0.37	0.8	0.65	1.06	1.74	0.18	1.22	0.59	3.5	1.55	1.92	1.74
CFO/CapEx	1.09	- -	- -	- -	- -	- -	- -	- -	- -	2.51	1.23	45.12	10.43	2.46	17.15
Altman's Z-Score	0.17	0.17	0.19	0.17	0.16	0.14	0.18	0.19	0.19	0.26	0.23	0.26	0.28	0.32	0.21

Working Capital (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Accounts Receivable Turnover	- -	- -	16.73	9.01	10.3	11.38	12	12.11	10.73	25.96	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	- -	21.82	40.53	35.45	32.07	30.41	30.14	34.03	14.06	- -	- -	- -	- -	- -
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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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Market Capitalization	9	7	10	15	14	15	17	20	18	34	28	43	49	67	- -
- Cash & Cash Equivalents	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	3	16	19	25	27	39	35	35	27	38	36	19	13	13	5
Enterprise Value	12	23	28	40	42	54	52	55	45	72	64	63	62	80	5
Total Capital	11	25	27	34	36	47	43	44	38	64	66	55	53	59	55
Total Debt/Capital (%)	26.1	66.34	68.7	75.54	76.62	83.33	80.46	78.82	70.73	59.84	55.13	34.85	24.62	22.37	9.37
Total Debt / EV	0.24	0.71	0.66	0.63	0.66	0.73	0.67	0.64	0.59	0.52	0.56	0.31	0.21	0.16	1
EV/Sales	9.6	3.53	3.62	4.64	4.36	5.33	4.61	4.45	3.49	4.14	3.33	2.71	2.94	3.46	0.23
EV/EBITDA	36.69	60	20.57	72.46	69.57	168.09	26.72	20.05	14.91	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	35.06	432.5	- -	- -	45.36	32.48	21.09	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	10.98	25.63	56.55	65.31	29.08	42.16	24.36	14.63	110.73	22.02	35.09	5.16	11.13	11.37	0.74
EV/Free Cash Flow to Firm	5.72	25.63	56.55	65.31	29.08	42.16	24.36	14.63	110.73	15.75	19.36	5.05	10.16	8.08	0.7
Diluted Market Cap	9	7	10	15	14	15	17	20	18	34	28	43	49	67	- -
Diluted Enterprise Value	12	23	28	40	42	54	52	55	45	72	64	63	62	80	5
EV per Share	11.9	22.91	27.66	33.23	39.94	52.06	49.58	52.17	43.2	71.04	62.32	60.79	60.27	77.77	- -
TTM Sales	1	7	8	9	10	10	11	12	13	18	19	23	21	23	22
TTM EBITDA	- -	- -	1	1	1	- -	2	3	3	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	1	- -	- -	- -	1	2	2	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	1	1	- -	1	1	1	2	4	- -	3	2	12	6	7	7
TTM Free Cash Flow to Firm	2	1	- -	1	1	1	2	4	- -	5	3	12	6	10	7

Multiples (USD)

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	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Price/Free Cash Flow	4.35	7.36	19.12	23.94	9.92	11.5	8.12	5.33	43.71	7.48	8.47	3.51	8.01	6.76	- -
EV/EBIT	- -	- -	35.06	432.5	- -	- -	45.36	32.48	21.09	- -	- -	- -	- -	- -	- -
Enterprise Value	12	23	28	40	42	54	52	55	45	72	64	63	62	80	5
Low Price	9.5	6.09	7	10.25	11.25	16	14.9	18.25	17.05	25.5	19	27.26	42.2	41.25	38
EV/Sales	9.6	3.53	3.62	4.64	4.36	5.33	4.61	4.45	3.49	4.14	3.33	2.71	2.94	3.46	0.23
EV/EBITDA	36.69	60	20.57	72.46	69.57	168.09	26.72	20.05	14.91	- -	- -	- -	- -	- -	- -
Price/Earnings	17.4	14.62	19.48	406	37.8	- -	26.6	19.53	12.18	8.74	6.73	6.49	10.02	11.4	- -
Price/Earnings Average	22.15	17.08	15.6	380.41	33.52	-56.77	26.42	18.45	13.44	7.55	7.94	5.29	9.79	7.94	- -
Price/Earnings High	37.98	26.67	23.44	516.67	44.37	-77.68	37.04	23.64	16.43	8.8	9.83	6.54	10.39	11.4	- -
Price/Earnings Low	18.27	13.53	14.58	341.67	31.2	-54.04	23.99	18.76	12.18	6.6	4.69	4.19	8.9	7.24	- -
Price/Book Value	1.12	0.79	1.12	1.79	1.7	1.87	2.06	2.13	1.69	1.35	0.96	1.21	1.22	1.47	- -
Price/Book Value Average	1.43	0.93	0.9	1.67	1.51	2.22	2.04	2.01	1.86	1.17	1.13	0.99	1.19	1.02	- -
Price/Book Value High	2.44	1.45	1.35	2.27	1.99	3.04	2.87	2.58	2.28	1.36	1.39	1.22	1.26	1.47	- -
Price/Book Value Low	1.18	0.74	0.84	1.5	1.4	2.11	1.86	2.05	1.69	1.02	0.67	0.78	1.08	0.93	- -
Price/Tangible Book Value	0.76	0.58	0.83	1.31	1.25	1.37	1.52	1.61	1.34	1.25	0.87	1.09	1.23	1.54	- -
Price/Tangible Book Value Average	0.97	0.68	0.67	1.23	1.11	1.62	1.5	1.52	1.48	1.08	1.03	0.89	1.2	1.07	- -
Price/Tangible Book Value High	1.67	1.06	1	1.67	1.47	2.22	2.11	1.95	1.8	1.26	1.27	1.1	1.28	1.54	- -
Price/Tangible Book Value Low	0.8	0.54	0.62	1.11	1.03	1.54	1.37	1.55	1.34	0.94	0.61	0.7	1.09	0.98	- -
Price/Sales	7.3	1.01	1.22	1.7	1.49	1.45	1.54	1.62	1.38	1.97	1.46	1.88	2.32	2.89	- -
Price/Sales Average	9.28	1.19	0.98	1.59	1.32	1.72	1.53	1.53	1.52	1.7	1.72	1.53	2.27	2.01	- -
Price/Sales High	15.92	1.85	1.47	2.16	1.75	2.35	2.14	1.96	1.86	1.98	2.13	1.89	2.4	2.89	- -
Price/Sales Low	7.66	0.94	0.92	1.43	1.23	1.64	1.39	1.56	1.38	1.49	1.02	1.21	2.06	1.83	- -
Price/Cash Flow	8.35	7.36	19.12	23.94	9.92	11.5	8.12	5.33	43.7	10.46	15.35	3.59	8.78	9.51	- -
Price/Cash Flow Average	10.62	8.6	15.31	22.43	8.8	13.61	8.06	5.03	48.22	9.04	18.1	2.92	8.57	6.62	- -
Price/Cash Flow High	18.21	13.43	23	30.47	11.65	18.63	11.3	6.45	58.95	10.54	22.41	3.61	9.1	9.51	- -
Price/Cash Flow Low	8.76	6.81	14.31	20.15	8.19	12.96	7.32	5.12	43.7	7.9	10.7	2.32	7.8	6.03	- -
Price/Free Cash Flow Average	5.54	8.6	15.31	22.43	8.8	13.61	8.06	5.04	48.23	6.47	9.98	2.86	7.82	4.7	- -
Price/Free Cash Flow High	9.5	13.43	23	30.47	11.65	18.63	11.31	6.46	58.97	7.54	12.36	3.53	8.3	6.76	- -
Price/Free Cash Flow Low	4.57	6.81	14.31	20.15	8.19	12.96	7.32	5.12	43.71	5.66	5.9	2.27	7.11	4.29	- -
EV/Sales Average	11.58	3.7	3.38	4.53	4.2	5.6	4.6	4.36	3.63	3.87	3.59	2.36	2.89	2.58	0.23
EV/Sales High	18.22	4.37	3.87	5.1	4.62	6.23	5.22	4.79	3.97	4.15	4	2.72	3.03	3.46	0.23
EV/Sales Low	9.96	3.46	3.31	4.37	4.1	5.51	4.46	4.39	3.49	3.66	2.89	2.04	2.68	2.4	0.23
EV/EBITDA Average	44.29	62.9	19.18	70.78	66.88	176.51	26.66	19.65	15.51	- -	- -	- -	- -	- -	- -
EV/EBITDA High	69.67	74.2	21.98	79.7	73.69	196.51	30.21	21.59	16.96	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	38.08	58.72	18.82	68.25	65.42	173.9	25.85	19.76	14.91	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	32.71	422.51	- -	-132.05	45.26	31.83	21.95	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	37.47	475.72	- -	-147.01	51.29	34.97	23.99	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	32.09	407.38	- -	-130.1	43.88	32.01	21.09	- -	- -	- -	- -	- -	- -
Last Price	9.05	6.58	9.35	12.18	13.63	14.2	16.52	19	17.05	33.75	27.26	42.2	47.5	65	38.2
High Price	19.75	12	11.25	15.5	16	23	23	23	23	34	39.8	42.5	49.25	65	65
Enterprise Value Average	14	24	26	39	40	57	52	54	47	68	69	55	61	60	5
Enterprise Value High	22	29	30	44	44	63	59	59	52	73	77	63	64	80	5
Enterprise Value Low	12	23	26	38	39	56	50	54	45	64	56	47	57	56	5

	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y
Shares Outstanding	1	1	1	1	1	1	1	1	1	1	1	1	1	1	1
Diluted Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	1	- -
Basic Weighted Avg Shares	1	1	1	1	1	1	1	1	1	1	1	1	1	1	- -
Revenue per Share	1.24	6.48	7.64	7.16	9.15	9.77	10.75	11.71	12.39	17.16	18.7	22.45	20.48	22.5	- -
EBITDA per Share	0.32	0.38	1.34	0.46	0.57	0.31	1.86	2.6	2.9	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	0.79	0.08	- -	-0.41	1.09	1.61	2.05	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.52	0.45	0.48	0.03	0.36	-0.3	0.62	0.97	1.4	3.86	4.05	6.5	4.74	5.7	- -
Basic EPS from Cont Ops	0.52	0.45	0.48	0.03	0.36	-0.3	0.62	0.97	1.4	3.86	4.05	6.5	4.74	5.7	- -
Diluted EPS, GAAP	0.52	0.45	0.48	0.03	0.36	-0.3	0.62	0.97	1.4	3.86	4.05	6.5	4.74	5.7	- -
Diluted EPS from Cont Ops	0.52	0.45	0.48	0.03	0.36	-0.3	0.62	0.97	1.4	3.86	4.05	6.5	4.74	5.7	- -
Dividend per Share	0.21	0.2	0.2	0.17	0.17	0.14	0.1	0.1	0.1	0.25	0.28	0.29	0.4	0.5	- -
Cash Flow per Share	1.08	0.89	0.49	0.51	1.37	1.23	2.04	3.57	0.39	3.23	1.78	11.77	5.41	6.84	- -
Free Cash Flow per Basic Share	0.09	0.89	0.49	0.51	1.37	1.23	2.04	3.57	0.39	1.94	0.33	11.51	4.89	4.06	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	8.08	8.28	8.34	6.82	8.03	7.57	8.03	8.91	10.1	25.02	28.54	34.75	39.09	44.29	- -
Tangible Book Value per Share	11.85	11.35	11.23	9.26	10.91	10.37	10.9	11.77	12.75	27.04	31.22	38.74	38.62	42.26	- -

Lifestore Financial Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)