Malaga Financial Corporation Financial Ratios — MLGF Stock

Profitability (USD)

	2002 Y	2003 Y	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	12/31/2002	12/31/2003	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 (%)	- -	19.36	21.94	11.51	12.5	18.72	15.83	15.89	18.68	19.62	20.86	21.63	20.55	19.06
Return on Assets (%)	- -	1.29	1.18	0.72	0.89	1.58	1.44	1.32	1.43	1.41	1.43	1.54	1.57	1.51
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	3.26	2.85	1.71	2.01	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	60.91	61.1	61.53	51.78	57.26	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	59.76	59.81	61.53	51.78	57.26	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	62.04	85.2	109.02	74.3	-56.05	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	59.76	59.81	61.53	51.78	57.26	64.64	64.06	64.27	67.59	68.86	69.35	69.56	70.58	67.38
Profit Margin (%)	35.09	35.2	36.2	31.36	34.15	40.87	45.82	45.34	47.72	48.5	48.8	48.99	50.04	47.63
Net Income to Common Margin (%)	35.09	35.2	36.2	31.36	34.15	40.87	45.82	45.34	47.72	48.5	48.8	48.99	50.04	47.63
Effective Tax Rate (%)	41.28	41.15	41.17	39.42	40.36	36.77	28.47	29.45	29.4	29.57	29.63	29.56	29.1	29.32
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	57.32	43.05	45.26	40.01	39.41	38.16	37.21	39.65	43.74
Sustainable Growth Rate (%)	- -	19.36	21.94	11.51	12.5	7.99	9.01	8.7	11.21	11.88	12.9	13.58	12.4	10.72

Credit (USD)

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	2002 Y	2003 Y	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	12/31/2002	12/31/2003	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	95	146	162	208	251	152	188	288	293	278	303	333	258	263
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	95	146	162	208	251	152	188	288	293	278	303	333	258	263
Total Debt/EBITDA	11.5	17.18	17.64	32.57	26.84	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	8.37	13.01	15.61	29.93	25.08	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	11.72	17.55	17.64	32.57	26.84	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	8.53	13.29	15.61	29.93	25.08	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	7.95	5.65	5.14	7.21	7.08	9.3	8.88	7.77	7.56	6.83	6.89	7.35	7.93	7.96
Long-Term Debt/Equity (%)	353.64	452.02	425.38	462.59	494.65	120.97	138.28	198.64	187.62	164.78	166.12	169.18	122.62	118.19
Long-Term Debt/Capital (%)	77.96	86.04	86.37	83.28	84.11	61.15	66.1	74.82	74.72	73.45	74.46	75.46	69.76	69.76
Long-Term Debt/Total Assets (%)	28.11	34.8	32.6	35.9	37.48	14.64	17.32	23.11	22.36	18.89	20.1	22.61	18.29	18.36
Total Debt/Equity (%)	353.64	452.02	425.38	462.59	494.65	120.97	138.28	198.64	187.62	164.78	166.12	169.18	122.62	118.19
Total Debt/Capital (%)	77.96	86.04	86.37	83.28	84.11	61.15	66.1	74.82	74.72	73.45	74.46	75.46	69.76	69.76
Total Debt/Total Assets (%)	28.11	34.8	32.6	35.9	37.48	14.64	17.32	23.11	22.36	18.89	20.1	22.61	18.29	18.36
Net Debt to Equity	257.27	342.33	376.35	425.15	462.18	-21.83	-17.64	-14.84	-7.47	-5.86	-5.83	-5.43	-5.3	-4.41
Net Debt/Capital (%)	72.01	82.36	84.87	82.07	83.18	-12.41	-9.21	-5.92	-3.06	-2.68	-2.68	-2.48	-3.11	-2.67
EBITDA	8	8	9	6	9	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	8	8	9	6	9	- -	-7	- -	- -	- -	-3	- -	-2	-1
Operating Income (Loss)	8	8	9	6	9	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2002 Y	2003 Y	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	12/31/2002	12/31/2003	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	7.95	5.65	5.14	7.21	7.08	9.3	8.88	7.77	7.56	6.83	6.89	7.35	7.93	7.96
Long-Term Debt/Equity (%)	353.64	452.02	425.38	462.59	494.65	120.97	138.28	198.64	187.62	164.78	166.12	169.18	122.62	118.19
Long-Term Debt/Capital (%)	77.96	86.04	86.37	83.28	84.11	61.15	66.1	74.82	74.72	73.45	74.46	75.46	69.76	69.76
Long-Term Debt/Total Assets (%)	28.11	34.8	32.6	35.9	37.48	14.64	17.32	23.11	22.36	18.89	20.1	22.61	18.29	18.36
Total Debt/Equity (%)	353.64	452.02	425.38	462.59	494.65	120.97	138.28	198.64	187.62	164.78	166.12	169.18	122.62	118.19
Total Debt/Capital (%)	77.96	86.04	86.37	83.28	84.11	61.15	66.1	74.82	74.72	73.45	74.46	75.46	69.76	69.76
Total Debt/Total Assets (%)	28.11	34.8	32.6	35.9	37.48	14.64	17.32	23.11	22.36	18.89	20.1	22.61	18.29	18.36
CFO/Total Liabilities	1.42	1.25	- -	- -	- -	1.62	1.63	1.67	1.51	1.65	2.05	1.75	1.87	2.05
CFO/CapEx	- -	- -	- -	- -	- -	279.25	2.14	79.49	232.17	212.99	8.18	254.7	13.25	47.68
Altman's Z-Score	0.3	0.29	0.3	0.26	0.21	0.33	0.3	0.23	0.23	0.23	0.22	0.24	0.25	0.14

Working Capital (USD)

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	2002 Y	2003 Y	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	12/31/2002	12/31/2003	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	- -	9.98	8.08	5.38	5.88	20.18	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	36.58	45.18	67.8	62.03	18.09	- -	- -	- -	- -	- -	- -	- -	- -
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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	2002 Y	2003 Y	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	12/31/2002	12/31/2003	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	55	73	102	106	62	257	229	176	190	232	207	217	222	- -
- Cash & Cash Equivalents	26	35	19	17	16	28	24	22	12	10	11	11	11	10
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	95	146	162	208	251	152	188	288	293	278	303	333	258	263
Enterprise Value	124	183	245	297	297	382	393	443	472	501	499	539	469	254
Total Capital	122	169	187	250	298	249	285	385	393	379	407	442	370	378
Total Debt/Capital (%)	77.96	86.04	86.37	83.28	84.11	61.15	66.1	74.82	74.72	73.45	74.46	75.46	69.76	69.76
Total Debt / EV	0.76	0.8	0.66	0.7	0.85	0.4	0.48	0.65	0.62	0.56	0.61	0.62	0.55	1.04
EV/Sales	9.18	13.18	16.45	24.03	18.15	11.58	11.78	13.06	12.27	12.39	11.41	11.5	10.36	5.6
EV/EBITDA	15.08	21.58	26.73	46.42	31.7	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	15.37	22.04	26.73	46.42	31.7	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	28.2	37.89	- -	- -	- -	25.79	25.41	24.06	27.08	23.28	18.32	24.07	20.86	10.23
EV/Free Cash Flow to Firm	28.2	37.89	- -	- -	- -	25.7	17.33	23.76	26.97	23.17	16.32	23.97	19.4	10.02
Diluted Market Cap	59	78	102	106	62	260	231	177	190	233	207	217	222	- -
Diluted Enterprise Value	128	188	245	297	297	385	395	444	472	501	499	539	469	254
EV per Share	15.16	23.18	28.34	34.35	34.29	39.84	40.5	45.29	48.01	50.83	50.45	54.51	47.39	- -
TTM Sales	14	14	15	12	16	33	33	34	38	40	44	47	45	45
TTM EBITDA	8	8	9	6	9	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	8	8	9	6	9	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	4	5	- -	- -	- -	15	15	18	17	22	27	22	22	25
TTM Free Cash Flow to Firm	4	5	- -	- -	- -	15	23	19	17	22	31	23	24	25

Multiples (USD)

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	2002 Y	2003 Y	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	12/31/2002	12/31/2003	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	13.39	16.04	- -	- -	- -	17.5	10.17	9.48	10.87	10.76	6.75	9.63	9.17	- -
EV/EBIT	15.37	22.04	26.73	46.42	31.7	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	124	183	245	297	297	382	393	443	472	501	499	539	469	254
Low Price	3.62	5.16	6.96	8.63	6.77	15.62	17.92	16.53	13.52	18.72	19.45	18.82	21.19	20.05
EV/Sales	9.18	13.18	16.45	24.03	18.15	11.58	11.78	13.06	12.27	12.39	11.41	11.5	10.36	5.6
EV/EBITDA	15.08	21.58	26.73	46.42	31.7	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	11.65	14.87	18.9	27.21	11.11	19.07	14.97	11.46	10.35	11.85	9.67	9.43	9.79	- -
Price/Earnings Average	10.17	11.95	15.87	24.75	15.33	14.49	14.42	12.04	9.52	10.56	9.87	8.99	9.48	- -
Price/Earnings High	13.05	16.4	19.63	30.36	18.91	19.24	20.15	15.11	11.99	12.76	10.83	9.8	9.94	- -
Price/Earnings Low	6.25	8.34	11.16	19.25	10.49	11.1	11.38	10.51	7.24	9.41	9.01	8.1	9.26	- -
Price/Book Value	2.06	3.07	4	2.52	1.31	2.66	2.37	1.82	1.91	2.31	1.98	2	1.98	- -
Price/Book Value Average	1.8	2.47	3.36	2.29	1.8	2.02	2.28	1.91	1.76	2.06	2.03	1.91	1.92	- -
Price/Book Value High	2.31	3.39	4.15	2.81	2.22	2.68	3.19	2.4	2.22	2.49	2.22	2.08	2.01	- -
Price/Book Value Low	1.11	1.72	2.36	1.78	1.23	1.55	1.8	1.67	1.34	1.83	1.85	1.72	1.87	- -
Price/Tangible Book Value	2.06	2.25	2.68	2.34	1.22	2.04	1.68	1.21	1.21	1.37	1.13	1.1	1.05	- -
Price/Tangible Book Value Average	1.8	1.81	2.25	2.13	1.68	1.55	1.62	1.28	1.12	1.23	1.15	1.05	1.02	- -
Price/Tangible Book Value High	2.31	2.49	2.78	2.61	2.08	2.06	2.26	1.6	1.41	1.48	1.27	1.14	1.07	- -
Price/Tangible Book Value Low	1.11	1.26	1.58	1.66	1.15	1.19	1.28	1.11	0.85	1.09	1.05	0.94	0.99	- -
Price/Sales	4.09	5.23	6.84	8.54	3.8	7.8	6.86	5.2	4.94	5.75	4.72	4.62	4.9	- -
Price/Sales Average	3.57	4.21	5.75	7.76	5.23	5.92	6.61	5.46	4.54	5.12	4.82	4.4	4.75	- -
Price/Sales High	4.58	5.77	7.1	9.52	6.46	7.87	9.23	6.85	5.72	6.19	5.28	4.8	4.97	- -
Price/Sales Low	2.19	2.93	4.04	6.04	3.58	4.54	5.21	4.77	3.46	4.56	4.4	3.97	4.63	- -
Price/Cash Flow	12.55	15.04	- -	- -	- -	17.37	14.79	9.57	10.9	10.8	7.58	9.67	9.86	- -
Price/Cash Flow Average	10.96	12.09	- -	- -	- -	13.2	14.25	10.06	10.02	9.62	7.73	9.22	9.56	- -
Price/Cash Flow High	14.06	16.59	- -	- -	- -	17.52	19.91	12.62	12.63	11.62	8.48	10.05	10.02	- -
Price/Cash Flow Low	6.73	8.44	- -	- -	- -	10.11	11.24	8.78	7.63	8.57	7.06	8.31	9.33	- -
Price/Free Cash Flow Average	11.69	12.9	- -	- -	- -	13.29	9.8	9.96	9.99	9.59	6.89	9.18	8.89	- -
Price/Free Cash Flow High	15	17.7	- -	- -	- -	17.65	13.69	12.5	12.59	11.58	7.56	10.01	9.31	- -
Price/Free Cash Flow Low	7.18	9	- -	- -	- -	10.19	7.73	8.7	7.6	8.54	6.29	8.28	8.67	- -
EV/Sales Average	8.66	12.16	15.35	23.26	19.59	9.71	11.53	13.32	11.87	11.77	11.51	11.28	10.21	5.6
EV/Sales High	9.67	13.72	16.71	25.02	20.82	11.65	14.15	14.71	13.06	12.83	11.97	11.68	10.44	5.6
EV/Sales Low	7.29	10.89	13.64	21.54	17.94	8.32	10.13	12.63	10.79	11.21	11.09	10.85	10.09	5.6
EV/EBITDA Average	14.22	19.9	24.94	44.93	34.22	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	15.88	22.46	27.15	48.32	36.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	11.96	17.82	22.17	41.59	31.33	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	14.5	20.33	24.94	44.93	34.22	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	16.19	22.94	27.15	48.32	36.36	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	12.2	18.2	22.17	41.59	31.33	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	6.75	9.2	11.79	12.2	7.17	26.83	23.58	18.02	19.33	23.58	20.87	21.9	22.4	21.52
High Price	7.56	10.15	12.24	13.61	12.2	27.07	31.74	23.76	22.39	25.38	23.36	22.76	22.75	23.75
Enterprise Value Average	117	169	229	288	320	321	385	452	456	476	503	529	462	254
Enterprise Value High	131	191	249	309	340	385	473	499	502	519	524	548	472	254
Enterprise Value Low	99	151	203	266	293	275	338	429	415	453	485	509	457	254

Shares Outstanding	8	8	9	9	9	10	10	10	10	10	10	10	10	10
Diluted Weighted Avg Shares	9	8	9	9	9	10	10	10	10	10	10	10	10	- -
Basic Weighted Avg Shares	8	8	9	9	9	10	10	10	10	10	10	10	10	- -
Revenue per Share	1.65	1.76	1.72	1.43	1.89	3.44	3.44	3.47	3.91	4.1	4.42	4.74	4.57	- -
EBITDA per Share	1.01	1.07	1.06	0.74	1.08	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	0.99	1.05	1.06	0.74	1.08	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	0.58	0.62	0.62	0.45	0.65	1.41	1.58	1.57	1.87	1.99	2.16	2.32	2.29	- -
Basic EPS from Cont Ops	0.58	0.62	0.62	0.45	0.65	1.41	1.58	1.57	1.87	1.99	2.16	2.32	2.29	- -
Diluted EPS, GAAP	0.54	0.58	0.62	0.45	0.65	1.39	1.56	1.57	1.86	1.99	2.16	2.32	2.29	- -
Diluted EPS from Cont Ops	0.54	0.58	0.62	0.45	0.65	1.39	1.56	1.57	1.86	1.99	2.16	2.32	2.29	- -
Dividend per Share	- -	- -	- -	- -	- -	0.81	0.68	0.71	0.75	0.78	0.82	0.86	0.91	- -
Cash Flow per Share	0.54	0.61	- -	- -	- -	1.54	1.59	1.88	1.77	2.18	2.75	2.27	2.27	- -
Free Cash Flow per Basic Share	0.54	0.61	- -	- -	- -	1.54	0.85	1.86	1.77	2.17	2.42	2.26	2.1	- -
Cash & Equivalents per Share	3.15	4.48	2.16	1.95	1.91	2.87	2.47	2.2	1.19	1	1.08	1.08	1.13	- -
Book Value per Share	3.27	2.99	2.95	4.84	5.48	10.09	9.94	9.92	10.1	10.21	10.52	10.96	11.32	- -
Tangible Book Value per Share	3.27	4.08	4.4	5.21	5.87	13.13	14.02	14.84	15.92	17.15	18.46	19.92	21.3	- -

Malaga Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)