Old National Bancorp Financial Ratios — ONBPP Stock

Profitability (USD)

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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 (%)	45.9	42.41	36.39	30.23	28.57	27.87	17.55	30.1	30.64	25.14	26.65	31.33	33.08	24.93	25.7
Return on Assets (%)	0.91	1.01	1.06	0.98	0.99	1	0.59	1.02	1.19	1.04	1.17	1.2	1.21	1.05	1.06
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	4.11	3.89	3.87	3.78	4.43	4.79	5.54	5.32	5.43	5.15	4.76	3.61	3.39	3.48	4.9
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	22.14	25.82	28.41	24.97	27.9	33.07	27.47	29.03	36.13	30.59	41.8	31.53	40.91	36.09	33.33
Profit Margin (%)	16.08	18.52	20.12	18.23	19.99	22.15	15.59	26.54	29.64	27.1	34.24	24.79	31.69	28.6	26.51
Net Income to Common Margin (%)	16.08	18.52	20.12	18.23	19.99	22.15	15.59	26.54	29.64	27.1	34.24	23.97	30.81	27.74	25.87
Effective Tax Rate (%)	27.37	28.26	29.19	26.98	28.35	33.01	43.25	8.55	17.96	11.41	18.1	21.38	22.54	20.76	20.46
Dvd Payout Ratio (%)	36.59	37.8	39.91	46.48	47.6	50.3	75.85	43.05	37.56	41.05	33.45	39.48	28.96	33.46	32
Sustainable Growth Rate (%)	29.11	26.37	21.86	16.18	14.97	13.85	4.24	17.14	19.13	14.82	17.73	18.96	23.5	16.59	17.47

Credit (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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	241	187	506	869	1,292	1,572	1,858	1,861	2,166	2,331	2,259	4,572	5,046	5,142	7,090
ST Debt	- -	- -	- -	- -	50	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	241	187	506	869	1,242	1,572	1,858	1,861	2,166	2,331	2,259	4,572	5,046	5,142	7,090
Total Debt/EBITDA	13.02	9.74	26.12	40.43	49.98	54.13	54.62	48.71	49.65	54.2	58.5	73.4	80.94	78.35	57.36
Net Debt/EBITDA	0.74	-4.2	15.24	29.07	41.32	45.19	45.92	40.27	40.86	38.2	34.79	61.49	61.76	59.26	42.38
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	2.14	2.6	3.2	3.25	3.65	3.54	3.23	3.56	4.17	4.13	4.64	3.23	3.89	4.27	3.88
Long-Term Debt/Equity (%)	23.3	15.7	43.56	59.26	83.27	86.64	86.26	69.21	75.94	78.41	75	89.15	90.7	81.1	83.46
Long-Term Debt/Capital (%)	56.6	43.07	62.27	69.62	71.79	74.95	76.68	72.59	71.77	71.06	66.58	72.42	70.2	67.15	70.07
Long-Term Debt/Total Assets (%)	2.8	1.96	5.28	7.46	10.36	10.58	10.61	9.43	10.61	10.15	9.24	9.78	10.28	9.6	9.83
Total Debt/Equity (%)	23.31	15.7	43.56	59.26	86.63	86.64	86.26	69.21	75.94	78.41	75	89.15	90.7	81.1	83.46
Total Debt/Capital (%)	56.63	43.07	62.27	69.62	74.68	74.95	76.68	72.59	71.77	71.06	66.58	72.42	70.2	67.15	70.07
Total Debt/Total Assets (%)	2.8	1.96	5.28	7.46	10.77	10.58	10.61	9.43	10.61	10.15	9.24	9.78	10.28	9.6	9.83
Net Debt to Equity	1.33	-6.76	25.42	42.61	71.61	72.33	72.53	57.22	62.5	55.26	44.6	74.68	69.2	61.34	61.66
Net Debt/Capital (%)	6.79	-47.16	48.72	61.98	70.72	71.25	73.25	68.49	65.03	61.06	52.26	68.59	64.03	60.49	63.16
EBITDA	19	19	19	21	26	29	34	38	44	43	39	62	62	66	124
EBITDA-CapEx	7	1	1	1	-60	-196	-3	5	6	12	-10	24	24	35	80
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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	2.14	2.6	3.2	3.25	3.65	3.54	3.23	3.56	4.17	4.13	4.64	3.23	3.89	4.27	3.88
Long-Term Debt/Equity (%)	23.3	15.7	43.56	59.26	83.27	86.64	86.26	69.21	75.94	78.41	75	89.15	90.7	81.1	83.46
Long-Term Debt/Capital (%)	56.6	43.07	62.27	69.62	71.79	74.95	76.68	72.59	71.77	71.06	66.58	72.42	70.2	67.15	70.07
Long-Term Debt/Total Assets (%)	2.8	1.96	5.28	7.46	10.36	10.58	10.61	9.43	10.61	10.15	9.24	9.78	10.28	9.6	9.83
Total Debt/Equity (%)	23.31	15.7	43.56	59.26	86.63	86.64	86.26	69.21	75.94	78.41	75	89.15	90.7	81.1	83.46
Total Debt/Capital (%)	56.63	43.07	62.27	69.62	74.68	74.95	76.68	72.59	71.77	71.06	66.58	72.42	70.2	67.15	70.07
Total Debt/Total Assets (%)	2.8	1.96	5.28	7.46	10.77	10.58	10.61	9.43	10.61	10.15	9.24	9.78	10.28	9.6	9.83
CFO/Total Liabilities	1.89	1.37	1.96	1.96	1.18	0.19	1.63	1.38	1.33	1.1	1.54	1.96	1.19	1.32	1.07
CFO/CapEx	12.46	6.11	8.88	9.74	1.44	0.11	6.7	7.02	6.25	7.12	6.79	21.49	13.46	20.56	15.47
Altman's Z-Score	0.07	0.08	0.09	0.08	0.09	0.08	0.07	0.08	0.09	0.09	0.09	0.08	0.09	0.09	0.09

Working Capital (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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	10.27	10.78	10.32	10.23	8.98	8.05	7.29	8.14	9.21	9.8	9.57	12.58	19.28	- -	- -
Days Sales Outstanding	35.55	33.84	35.36	35.68	40.66	45.31	50.08	44.82	39.65	37.23	38.14	29.01	18.93	- -	- -
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)

API ChatGPT

	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	223	264	207	240	220	256	290	317	276	590	822	728	1,175	1,228	1,826
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	230	230	230	230
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	241	187	506	869	1,292	1,572	1,858	1,861	2,166	2,331	2,259	4,572	5,046	5,142	7,090
Enterprise Value	-2,053	-2,577	-2,073	-1,999	-1,346	-1,481	-1,628	-2,579	-3,495	-4,229	-5,945	-2,700	-2,612	-3,314	5,041
Total Capital	425	435	813	1,248	1,730	2,097	2,424	2,564	3,018	3,280	3,393	6,313	7,187	7,658	10,119
Total Debt/Capital (%)	56.63	43.07	62.27	69.62	74.68	74.95	76.68	72.59	71.77	71.06	66.58	72.42	70.2	67.15	70.07
Total Debt / EV	-0.12	-0.07	-0.24	-0.43	-0.96	-1.06	-1.14	-0.72	-0.62	-0.55	-0.38	-1.69	-1.93	-1.55	1.41
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	40.78
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	7.4
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.95
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	18	-77	300	629	1,072	1,317	1,568	1,544	1,890	1,741	1,437	4,074	4,101	4,145	5,494
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	451	495	502	569	584	606	614	719	804	835	811	1,728	1,836	1,885	2,524
TTM EBITDA	19	19	19	21	26	29	34	38	44	43	39	62	62	66	124
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	143	114	165	199	124	25	250	234	234	220	330	814	516	622	681
TTM Free Cash Flow to Firm	155	133	184	220	209	249	287	268	271	251	379	852	555	653	726

Multiples (USD)

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	2011 Y	2012 Y	2013 Y	2014 Y	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2011	12/31/2012	12/31/2013	12/31/2014	12/31/2015	12/31/2016	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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	-2,053	-2,577	-2,073	-1,999	-1,346	-1,481	-1,628	-2,579	-3,495	-4,229	-5,945	-2,700	-2,612	-3,314	5,041
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	24.28	26.42	24.4	18.53	24.02	24.4
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	2
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	40.78
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Tangible Book Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Free Cash Flow Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Average	0.04	- -	0.6	1.11	1.84	2.17	2.55	2.15	2.35	2.08	1.77	2.36	2.23	2.2	2.18
EV/Sales High	0.04	- -	0.6	1.11	1.84	2.17	2.55	2.15	2.35	2.08	1.77	2.36	2.23	2.2	2.18
EV/Sales Low	0.04	- -	0.6	1.11	1.84	2.17	2.55	2.15	2.35	2.08	1.77	2.36	2.23	2.2	2.18
EV/EBITDA Average	0.97	-3.98	15.46	29.26	41.47	45.33	46.08	40.41	43.31	40.49	37.21	65.4	65.79	63.15	44.45
EV/EBITDA High	0.97	-3.98	15.46	29.26	41.47	45.33	46.08	40.41	43.31	40.49	37.21	65.4	65.79	63.15	44.45
EV/EBITDA Low	0.97	-3.98	15.46	29.26	41.47	45.33	46.08	40.41	43.31	40.49	37.21	65.4	65.79	63.15	44.45
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	28.3	28.14	25.2	25.25	24.71	24.92
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	28.3	28.9	28.23	26.05	26.36	25.65
Enterprise Value Average	18	-77	300	629	1,072	1,317	1,568	1,544	1,890	1,741	1,437	4,074	4,101	4,145	5,494
Enterprise Value High	18	-77	300	629	1,072	1,317	1,568	1,544	1,890	1,741	1,437	4,074	4,101	4,145	5,494
Enterprise Value Low	18	-77	300	629	1,072	1,317	1,568	1,544	1,890	1,741	1,437	4,074	4,101	4,145	5,494

Shares Outstanding	95	101	100	117	114	135	152	175	170	165	166	293	293	319	390
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Old National Bancorp

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