nFinanSe Inc. Financial Ratios — NFSE Stock

Profitability (USD)

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	08/31/2001	08/31/2002	08/31/2003	09/30/2004	09/30/2005	09/30/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Return on Common Equity (%)	- -	-771.21	-3,673.88	-3,959.82	-18,335.36	-66,146.25	-185,583.66	-295.05	-282.44	-267.15
Return on Assets (%)	- -	-75.92	-400.95	-223.08	-199.19	-357.04	-227.2	-204.9	-200.38	-177.21
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	38.85	39.87	-650.02	-3,116.65	-7,089.66	100	100
EBITDA Margin (%)	- -	- -	- -	-1,657	-1,069.78	-8,294.61	-30,176.93	-40,995.84	-7,781.64	-685.04
Operating Margin (%)	- -	- -	- -	-1,717.27	-1,101.63	-10,661.84	-30,974.05	-41,859.59	-7,961.93	-701.51
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Profit Margin (%)	- -	- -	- -	-1,759.9	-1,526.85	-19,001.76	-30,363.81	-44,214.06	-10,392.28	-712.21
Net Income to Common Margin (%)	- -	- -	- -	-1,759.9	-1,526.85	-19,001.76	-31,723.63	-45,359.45	-10,821.03	-740.95
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	4.29	2.53	3.96	3.88
Sustainable Growth Rate (%)	- -	-771.21	-3,673.88	-3,959.82	-18,335.36	-66,146.25	-177,621.98	-287.6	-271.25	-256.79

Credit (USD)

Credit Ratios API ChatGPT

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	08/31/2001	08/31/2002	08/31/2003	09/30/2004	09/30/2005	09/30/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Total Debt	- -	- -	- -	- -	3	7	- -	1	- -	1
ST Debt	- -	- -	- -	- -	- -	- -	- -	1	- -	1
LT Debt	- -	- -	- -	- -	3	7	- -	- -	- -	- -
Total Debt/EBITDA	-0.4	- -	- -	-0.05	-0.55	-1.02	- -	-0.09	-0.05	-0.11
Net Debt/EBITDA	-0.09	2.05	- -	0.07	-0.07	-0.88	0.25	-0.05	0.32	0.01
Total Debt/EBIT	-0.4	- -	- -	-0.05	-0.53	-0.8	- -	-0.09	-0.05	-0.11
Net Debt/EBIT	-0.09	2.02	- -	0.07	-0.07	-0.68	0.25	-0.05	0.31	0.01
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	-5,217.34	-44.4	-3.2	-64.08
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	-5,525.42	-44.9	-3.21	-64.75
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	-5,355.16	-45.33	-3.28	-65.62
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	3	- -
Common Equity/Total Assets	-158	77.06	-1,653.15	51.65	-57.22	-327.63	77.56	65.28	83.75	45.59
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	-412.37	- -	- -	- -	-327.02	769.78	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	127.16	- -	- -	- -	43.82	376.55	- -	- -	- -	- -
Total Debt/Equity (%)	-80.48	- -	- -	10.52	-76.58	-114.93	- -	24.72	9.22	53.43
Total Debt/Capital (%)	-412.37	- -	- -	9.52	-327.02	769.78	- -	19.82	8.44	34.82
Total Debt/Total Assets (%)	127.16	- -	- -	5.43	43.82	376.55	- -	16.18	7.75	24.62
Net Debt to Equity	-17.19	-110.23	1.12	-15.12	-10.33	-98.66	-45.92	14.92	-60.76	-3.94
Net Debt/Capital (%)	-20.76	1,077.13	1.11	-17.81	-11.52	-7,343.19	-84.92	12.98	-154.86	-4.1
EBITDA	- -	- -	- -	-1	-5	-6	-10	-14	-10	-9
EBITDA-CapEx	- -	- -	- -	-1	-6	-7	-10	-14	-10	-9
Operating Income (Loss)	- -	- -	- -	-1	-5	-8	-10	-14	-11	-9

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	08/31/2001	08/31/2002	08/31/2003	09/30/2004	09/30/2005	09/30/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Cash Ratio	- -	3.7	0.01	0.27	0.33	1.04	2.06	0.19	3.68	0.49
Current Ratio	- -	3.73	0.06	1.75	0.69	1.23	3.63	1.85	5.81	1.7
Quick Ratio	- -	3.7	0.06	1.74	0.65	1.06	2.08	0.22	3.87	0.74
CFO/Avg Current Liab	- -	-3.73	-5.15	-3.08	-1.31	-1.8	-7.14	-6.58	-4.78	-5.11
Common Equity/Total Assets	-158	77.06	-1,653.15	51.65	-57.22	-327.63	77.56	65.28	83.75	45.59
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	-412.37	- -	- -	- -	-327.02	769.78	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	127.16	- -	- -	- -	43.82	376.55	- -	- -	- -	- -
Total Debt/Equity (%)	-80.48	- -	- -	10.52	-76.58	-114.93	- -	24.72	9.22	53.43
Total Debt/Capital (%)	-412.37	- -	- -	9.52	-327.02	769.78	- -	19.82	8.44	34.82
Total Debt/Total Assets (%)	127.16	- -	- -	5.43	43.82	376.55	- -	16.18	7.75	24.62
CFO/Total Liabilities	-38.66	-186.53	-416.52	-182.08	-49.98	-99.44	-562.32	-529.26	-832.09	-375.74
CFO/CapEx	- -	-7.51	-11.91	-17.78	-7.97	-15.18	-15.05	-86.73	-379.9	-86.92
Altman's Z-Score	508.61	146.9	-515.02	19.56	-2.81	-34.73	1.17	-13.26	-18.27	-32.27

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	08/31/2001	08/31/2002	08/31/2003	09/30/2004	09/30/2005	09/30/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Accounts Receivable Turnover	- -	- -	- -	12.21	0.42	0.07	3.05	1.06	1.11	5.16
Days Sales Outstanding	- -	- -	- -	29.89	872.11	5,454.73	119.83	344.33	328.99	70.71
Inventory Turnover	- -	- -	- -	- -	2.86	5.72	1.09	1	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	127.56	63.84	336.33	366.82	- -	- -
Accounts Payable Turnover	- -	0.56	- -	0.15	1.21	0.86	9.96	13.86	-4.25	-1.05
Accounts Payable Turnover Days	- -	646.45	- -	2,420.37	300.94	425.7	36.64	26.33	-85.85	-346.24
Cash Conversion Cycle	- -	- -	- -	-2,390.48	698.74	5,092.86	419.53	684.83	- -	- -
Inventory to Cash Days	- -	- -	- -	29.89	744.55	5,390.89	-216.5	-22.49	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	2	3	1	1
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	2	3	3	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	1

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	08/31/2001	08/31/2002	08/31/2003	09/30/2004	09/30/2005	09/30/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Market Capitalization	53	12	- -	20	41	6	33	10	1	2
- Cash & Cash Equivalents	- -	- -	- -	- -	2	1	2	- -	4	1
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	3	7	- -	1	- -	1
Enterprise Value	53	12	- -	20	41	12	29	11	-2	2
Total Capital	- -	- -	- -	1	-1	1	5	6	6	3
Total Debt/Capital (%)	-412.37	- -	- -	9.52	-327.02	769.78	- -	19.82	8.44	34.82
Total Debt / EV	- -	- -	- -	- -	0.07	0.56	- -	0.11	-0.22	0.49
EV/Sales	- -	- -	- -	336.7	85.3	152.72	900.2	329.72	- -	1.56
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	51	12	5	5	33	6	23	10	1	2
Diluted Enterprise Value	51	12	5	5	34	11	20	10	-2	2
EV per Share	17.6	4.02	1.8	8.37	13.73	3.06	3.83	1.18	- -	0.08
TTM Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	1
TTM EBITDA	- -	- -	- -	-1	-5	-6	-10	-14	-10	-9
TTM Operating Income	- -	- -	- -	-1	-5	-8	-10	-14	-11	-9
TTM Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Multiples (USD)

Valuation Multiples API ChatGPT

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	08/31/2001	08/31/2002	08/31/2003	09/30/2004	09/30/2005	09/30/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Price/Free Cash Flow	-2,164.42	-147.34	-17.68	-6.98	-7.45	-0.81	-2.76	-0.72	-0.11	-0.21
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	53	12	- -	20	41	12	29	11	-2	2
Low Price	17.52	1.6	1.8	1.64	2.1	1.34	1.3	0.79	0.05	0.01
EV/Sales	- -	- -	- -	336.7	85.3	152.72	900.2	329.72	- -	1.56
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	-685.01	-543.88	-38.03	-6.43	-5.04	-1.85	-1.86	-1.24	-0.42	-0.19
Price/Earnings High	-685.01	-559.94	-69.41	-12.31	-11.67	-3.82	-2.58	-2.53	-0.72	-0.41
Price/Earnings Low	-681.89	-50.89	-12.25	-1.01	-0.7	-0.32	-0.67	-0.45	-0.03	-0.02
Price/Book Value	-1,424.14	73.89	- -	41.67	-10.99	-1.08	6.02	2.12	0.18	1.13
Price/Book Value Average	-1,424.14	309.57	- -	51.8	-12.3	-5.21	5.17	4.17	1.12	1.26
Price/Book Value High	-1,424.14	318.71	- -	99.22	-28.45	-10.79	7.16	8.49	1.94	2.69
Price/Book Value Low	-1,417.67	28.97	- -	8.14	-1.7	-0.9	1.84	1.52	0.09	0.14
Price/Tangible Book Value	-1,424.14	83.97	- -	41.67	-10.99	-1.08	6.02	2.12	0.18	1.13
Price/Tangible Book Value Average	-1,424.14	351.81	- -	51.8	-12.3	-5.21	5.17	4.17	1.12	1.26
Price/Tangible Book Value High	-1,424.14	362.2	- -	99.22	-28.45	-10.79	7.16	8.49	1.94	2.69
Price/Tangible Book Value Low	-1,417.67	32.92	- -	8.14	-1.7	-0.9	1.84	1.52	0.09	0.14
Price/Sales	- -	- -	- -	91	68.83	72.59	689.94	286.97	7.13	1.28
Price/Sales Average	- -	- -	- -	113.12	77	350.76	591.55	563.53	45.24	1.43
Price/Sales High	- -	- -	- -	216.67	178.15	725.9	819.81	1,147.86	78.38	3.04
Price/Sales Low	- -	- -	- -	17.77	10.63	60.79	211.04	206.09	3.56	0.16
Price/Cash Flow	-2,164.42	-127.72	-16.19	-6.58	-6.52	-0.76	-2.57	-0.71	-0.11	-0.2
Price/Cash Flow Average	-2,164.42	-535.07	-50.27	-8.18	-7.29	-3.65	-2.21	-1.39	-0.7	-0.23
Price/Cash Flow High	-2,164.42	-550.87	-91.75	-15.68	-16.87	-7.56	-3.06	-2.83	-1.22	-0.48
Price/Cash Flow Low	-2,154.58	-50.07	-16.19	-1.29	-1.01	-0.63	-0.79	-0.51	-0.06	-0.03
Price/Free Cash Flow Average	-2,164.42	-617.3	-54.88	-8.67	-8.34	-3.91	-2.36	-1.4	-0.71	-0.23
Price/Free Cash Flow High	-2,164.42	-635.52	-100.16	-16.61	-19.29	-8.1	-3.28	-2.86	-1.22	-0.49
Price/Free Cash Flow Low	-2,154.58	-57.76	-17.68	-1.36	-1.15	-0.68	-0.84	-0.51	-0.06	-0.03
EV/Sales Average	- -	- -	- -	418.84	95.33	458.38	780.05	626.22	20.8	1.74
EV/Sales High	- -	- -	- -	803.36	219.52	870.61	1,110.35	1,252.69	53.98	3.76
EV/Sales Low	- -	- -	- -	64.75	13.84	139.75	229.43	243.01	- -	0.16
EV/EBITDA Average	-714.09	-572.97	- -	-25.28	-8.91	-5.53	-2.58	-1.53	-0.27	-0.25
EV/EBITDA High	-714.09	-589.94	- -	-48.48	-20.52	-10.5	-3.68	-3.06	-0.69	-0.55
EV/EBITDA Low	-710.84	-51.76	- -	-3.91	-1.29	-1.68	-0.76	-0.59	0.27	-0.02
EV/EBIT Average	-714.09	-564.59	- -	-24.39	-8.65	-4.3	-2.52	-1.5	-0.26	-0.25
EV/EBIT High	-714.09	-581.31	- -	-46.78	-19.93	-8.17	-3.58	-2.99	-0.68	-0.54
EV/EBIT Low	-710.84	-51	- -	-3.77	-1.26	-1.31	-0.74	-0.58	0.26	-0.02
Last Price	17.6	4.08	1.8	8.4	13.6	1.6	4.25	1.1	0.1	0.08
High Price	17.6	17.6	10.2	20	35.2	16	5.05	4.4	1.1	0.19
Enterprise Value Average	53	51	- -	25	46	36	26	21	3	2
Enterprise Value High	53	53	- -	47	107	68	36	42	7	5
Enterprise Value Low	53	5	- -	4	7	11	8	8	-3	- -

Shares Outstanding	3	3	- -	2	3	4	8	9	10	26
Diluted Weighted Avg Shares	3	3	3	1	2	4	5	9	10	21
Basic Weighted Avg Shares	3	3	3	1	2	4	5	9	10	21
Revenue per Share	- -	- -	- -	0.09	0.2	0.02	0.01	- -	0.01	0.06
EBITDA per Share	-0.03	-0.03	-0.14	-1.53	-2.11	-1.83	-1.86	-1.57	-1.09	-0.43
Operating Income per Share	-0.03	-0.03	-0.14	-1.59	-2.18	-2.35	-1.91	-1.6	-1.12	-0.44
Basic EPS, GAAP	-0.03	-0.03	-0.15	-1.62	-3.02	-4.19	-1.95	-1.74	-1.52	-0.46
Basic EPS from Cont Ops	-0.03	-0.03	-0.15	-1.62	-2.84	-3.27	-1.87	-1.69	-1.46	-0.45
Diluted EPS, GAAP	-0.03	-0.03	-0.15	-1.62	-3.02	-4.19	-1.95	-1.74	-1.52	-0.46
Diluted EPS from Cont Ops	-0.03	-0.03	-0.15	-1.62	-2.84	-3.27	-1.87	-1.69	-1.46	-0.45
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-0.01	-0.03	-0.11	-1.28	-2.09	-2.12	-1.65	-1.56	-0.9	-0.39
Free Cash Flow per Basic Share	-0.01	-0.04	-0.12	-1.35	-2.35	-2.25	-1.76	-1.57	-0.9	-0.4
Cash & Equivalents per Share	0.01	0.06	- -	0.05	0.82	0.24	0.42	0.05	0.4	0.04
Book Value per Share	-0.01	0.06	- -	0.2	-1.24	-1.48	0.71	0.52	0.57	0.07
Tangible Book Value per Share	-0.01	0.05	- -	0.2	-1.24	-1.48	0.71	0.52	0.57	0.07

nFinanSe Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)