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	-181,312.96	-153,252.24	-54,245.09
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	-176,734.55	-147,179.98	-52,140.72

Credit (USD)

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	-342.07	-79.23	-13,385.65	-284.22	-153.68	-1,415.13	-522.42	-700.05	-1,022.77	-1,868.38
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	-59.17	- -	- -	- -	-39.89	-36.26	- -	- -	- -	- -
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 (%)	-59.17	- -	- -	-1.95	-39.89	-36.26	- -	-2.37	-0.76	-1.34
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 (%)	-8.63	51.74	0.14	2.67	-4	-29.6	6.39	-1.42	4.75	0.1
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)

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	-342.07	-79.23	-13,385.65	-284.22	-153.68	-1,415.13	-522.42	-700.05	-1,022.77	-1,868.38
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	-59.17	- -	- -	- -	-39.89	-36.26	- -	- -	- -	- -
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 (%)	-59.17	- -	- -	-1.95	-39.89	-36.26	- -	-2.37	-0.76	-1.34
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	487.36	140.93	-474.55	0.04	-3.26	-34.77	-2.71	-13.42	-18.27	-32.39

Working Capital (USD)

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)

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	51	12	5	5	33	6	23	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	51	12	5	5	34	11	19	10	-2	2
Total Capital	- -	- -	-1	-3	-7	-18	-37	-51	-65	-75
Total Debt/Capital (%)	-59.17	- -	- -	-1.95	-39.89	-36.26	- -	-2.37	-0.76	-1.34
Total Debt / EV	- -	- -	- -	0.01	0.08	0.58	- -	0.12	-0.22	0.62
EV/Sales	- -	- -	- -	89.78	69.62	145.54	591.76	309.02	- -	1.24
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	8.29	13.76	3.21	3.65	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)

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	51	12	5	5	34	11	19	10	-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	- -	- -	- -	89.78	69.62	145.54	591.76	309.02	- -	1.24
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	-631.09	-68.99	-8.83	-2.04	-3.33	-0.23	-0.62	-0.18	-0.01	-0.02
Price/Book Value Average	-631.09	-289.02	-27.42	-2.54	-3.73	-1.1	-0.53	-0.36	-0.09	-0.02
Price/Book Value High	-631.09	-297.55	-50.05	-4.86	-8.63	-2.27	-0.73	-0.74	-0.16	-0.05
Price/Book Value Low	-628.22	-27.04	-8.83	-0.4	-0.51	-0.19	-0.19	-0.13	-0.01	- -
Price/Tangible Book Value	-1,366.3	80.61	-71.54	11.22	-8.95	-0.98	4.16	1.98	0.18	0.9
Price/Tangible Book Value Average	-1,366.3	337.71	-222.05	13.95	-10.01	-4.74	3.57	3.89	1.12	1.01
Price/Tangible Book Value High	-1,366.3	347.68	-405.26	26.72	-23.17	-9.82	4.95	7.92	1.94	2.15
Price/Tangible Book Value Low	-1,360.09	31.6	-71.54	2.19	-1.38	-0.82	1.27	1.42	0.09	0.11
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	- -	- -	- -	111.9	77.8	423.71	515.59	585.59	20.73	1.38
EV/Sales High	- -	- -	- -	215.45	178.94	798.86	743.85	1,169.92	53.87	3
EV/Sales Low	- -	- -	- -	16.54	11.42	133.75	135.08	228.15	- -	0.12
EV/EBITDA Average	-685.09	-549.91	-40.33	-6.75	-7.27	-5.11	-1.71	-1.43	-0.27	-0.2
EV/EBITDA High	-685.09	-566.2	-73.61	-13	-16.73	-9.63	-2.46	-2.85	-0.69	-0.44
EV/EBITDA Low	-681.98	-49.6	-12.99	-1	-1.07	-1.61	-0.45	-0.56	0.27	-0.02
EV/EBIT Average	-685.09	-541.87	-39.83	-6.52	-7.06	-3.97	-1.66	-1.4	-0.26	-0.2
EV/EBIT High	-685.09	-557.92	-72.7	-12.55	-16.24	-7.49	-2.4	-2.79	-0.68	-0.43
EV/EBIT Low	-681.98	-48.87	-12.83	-0.96	-1.04	-1.25	-0.44	-0.55	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	51	49	17	7	38	33	17	20	3	2
Enterprise Value High	51	51	31	13	87	62	24	39	7	4
Enterprise Value Low	51	4	5	1	6	10	4	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	- -	0.19	1.01	0.27	0.61	0.05	0.4	0.05
Book Value per Share	-0.03	-0.06	-0.2	-4.12	-4.08	-7.04	-6.88	-5.96	-6.93	-3.63
Tangible Book Value per Share	-0.01	0.05	-0.03	0.75	-1.52	-1.63	1.02	0.56	0.57	0.09

nFinanSe Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)