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 (%)	- -	16.55	15.35	9.33	11.65	15.28	11.67	10.93	12.16	12.05	12.15	12.1	11.11	9.94
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 (%)	- -	4.77	4.99	9.29	11.54	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 (%)	- -	16.55	15.35	9.33	11.65	6.52	6.65	5.99	7.3	7.3	7.51	7.6	6.7	5.59

Credit (USD)

Credit Ratios API ChatGPT

	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	- -	146	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	146	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	17.18	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	8.37	13.01	15.61	29.93	25.08	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	17.55	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	7.7	7.66	7.76	7.58	12.1	12.53	11.63	11.92	11.47	12.1	13.36	14.91	15.53
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 (%)	- -	81.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	34.8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	452.02	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	81.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	34.8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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 (%)	7,082.16	77.39	738.39	679.65	684.44	-27.93	-21.42	-17.42	-8.07	-6.22	-6.19	-5.74	-5.6	-4.61
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)

Liquidity Ratios API ChatGPT

	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	7.7	7.66	7.76	7.58	12.1	12.53	11.63	11.92	11.47	12.1	13.36	14.91	15.53
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 (%)	- -	81.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	34.8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	452.02	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	81.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	34.8	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	0.34	0.3	0.23	0.23	0.23	0.22	0.24	0.25	0.25

Working Capital (USD)

Working Capital Ratios API ChatGPT

	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)

Enterprise Value API ChatGPT

	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	56	74	102	107	63	265	233	178	191	233	207	217	222	213
- 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	- -	146	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	30	184	83	90	46	238	209	157	180	223	196	206	210	203
Total Capital	27	178	38	45	51	126	136	145	156	169	183	197	211	223
Total Debt/Capital (%)	- -	81.88	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt / EV	- -	0.79	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	2.21	13.27	5.59	7.27	2.83	7.21	6.27	4.62	4.67	5.53	4.48	4.39	4.65	4.49
EV/EBITDA	3.63	21.71	9.09	14.04	4.94	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	3.7	22.18	9.09	14.04	4.94	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	6.79	38.13	- -	- -	- -	16.05	13.52	8.51	10.31	10.39	7.19	9.19	9.36	8.19
EV/Free Cash Flow to Firm	6.79	38.13	- -	- -	- -	15.99	9.22	8.41	10.27	10.34	6.4	9.15	8.71	8.02
Diluted Market Cap	59	78	102	106	62	260	231	177	190	233	207	217	222	- -
Diluted Enterprise Value	33	188	83	89	46	233	207	155	178	223	196	206	210	-10
EV per Share	3.62	22.96	9.63	10.27	5.29	24.05	21.15	15.84	18.15	22.58	19.79	20.82	21.27	20.53
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)

Valuation Multiples API ChatGPT

	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	3.7	22.18	9.09	14.04	4.94	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	30	184	83	90	46	238	209	157	180	223	196	206	210	203
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	2.21	13.27	5.59	7.27	2.83	7.21	6.27	4.62	4.67	5.53	4.48	4.39	4.65	4.49
EV/EBITDA	3.63	21.71	9.09	14.04	4.94	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	2.08	2.29	2.68	2.37	1.24	2.11	1.71	1.23	1.22	1.38	1.13	1.1	1.05	0.96
Price/Book Value Average	1.82	1.84	2.25	2.15	1.7	1.6	1.65	1.29	1.12	1.23	1.15	1.05	1.02	0.93
Price/Book Value High	2.33	2.52	2.78	2.64	2.1	2.13	2.31	1.62	1.42	1.49	1.27	1.14	1.07	1.05
Price/Book Value Low	1.12	1.28	1.58	1.68	1.17	1.23	1.3	1.13	0.86	1.1	1.05	0.95	0.99	0.89
Price/Tangible Book Value	2.08	2.29	2.68	2.37	1.24	2.11	1.71	1.23	1.22	1.38	1.13	1.1	1.05	0.96
Price/Tangible Book Value Average	1.82	1.84	2.25	2.15	1.7	1.6	1.65	1.29	1.12	1.23	1.15	1.05	1.02	0.93
Price/Tangible Book Value High	2.33	2.52	2.78	2.64	2.1	2.13	2.31	1.62	1.42	1.49	1.27	1.14	1.07	1.05
Price/Tangible Book Value Low	1.12	1.28	1.58	1.68	1.17	1.23	1.3	1.13	0.86	1.1	1.05	0.95	0.99	0.89
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	1.69	12.22	4.49	6.49	4.29	5.27	6.01	4.89	4.27	4.9	4.57	4.18	4.5	4.36
EV/Sales High	2.7	13.81	5.85	8.27	5.53	7.28	8.68	6.29	5.46	5.97	5.04	4.57	4.73	4.98
EV/Sales Low	0.3	10.93	2.79	4.74	2.62	3.85	4.59	4.18	3.18	4.34	4.16	3.74	4.39	4.17
EV/EBITDA Average	2.77	20	7.3	12.53	7.49	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	4.44	22.61	9.51	15.97	9.65	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	0.49	17.89	4.53	9.16	4.57	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	2.82	20.44	7.3	12.53	7.49	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	4.53	23.1	9.51	15.97	9.65	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	0.5	18.28	4.53	9.16	4.57	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	23	170	67	80	70	174	201	166	164	198	200	196	204	197
Enterprise Value High	37	192	87	102	90	240	290	214	210	241	221	215	214	225
Enterprise Value Low	4	152	42	59	43	127	153	142	122	175	182	176	199	189

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	3.13	4.41	2.16	1.93	1.88	2.78	2.43	2.18	1.18	1	1.08	1.08	1.13	0.99
Book Value per Share	3.25	4.02	4.4	5.15	5.8	12.73	13.77	14.67	15.8	17.07	18.46	19.92	21.3	22.52
Tangible Book Value per Share	3.25	4.02	4.4	5.15	5.8	12.73	13.77	14.67	15.8	17.07	18.46	19.92	21.3	22.52

Malaga Financial Corporation

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)