Paragon Financial Solutions, Inc. Financial Ratios — PGNN

Profitability (USD)

	2005 Y	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	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 (%)	- -	-4.34	-1.94	6.18	7.83	7.18	5.73	8.17	7.9	7.63	8.29	12.14
Return on Assets (%)	- -	-0.53	-0.21	0.61	0.81	0.79	0.62	0.8	0.66	0.56	0.58	0.89
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	-112.08	30.25	3.29	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	-127.37	-15.76	-6.09	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	6.06	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	- -	- -	-6.09	21.9	21.51	22.91	19.16	25.38	22.05	18.26	20	28.3
Profit Margin (%)	-127.37	-15.76	-6.09	11.19	16.34	17.08	14.18	19.06	16.53	15.25	15.18	21.4
Net Income to Common Margin (%)	-127.37	-15.76	-6.09	11.19	16.34	17.08	14.18	19.06	16.53	15.25	15.18	21.4
Effective Tax Rate (%)	- -	- -	- -	48.89	24.03	25.44	25.99	24.92	25.02	16.48	24.09	24.37
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	-4.34	-1.94	6.18	7.83	7.18	5.73	8.17	7.9	7.63	8.29	12.14

Credit (USD)

Credit Ratios API ChatGPT

	2005 Y	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	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	17	14	52	11	8	6	4	3	32	20	36	56
ST Debt	17	14	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	- -	- -	52	11	8	6	4	3	32	20	36	56
Total Debt/EBITDA	-5.45	7.09	168.46	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	-4.68	5.38	71.05	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	-4.8	-13.61	-90.85	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	-4.12	-10.33	-38.32	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	11.9	12.55	9.46	10.2	10.43	11.61	10.19	9.35	7.56	7.17	6.81	7.8
Long-Term Debt/Equity (%)	- -	- -	174.59	28.62	20.3	12.24	7.34	5.45	64.44	36.51	60.02	80.84
Long-Term Debt/Capital (%)	- -	- -	63.58	22.25	16.87	10.9	6.84	5.17	39.19	26.74	37.51	44.7
Long-Term Debt/Total Assets (%)	- -	- -	16.52	2.92	2.12	1.42	0.75	0.51	4.87	2.62	4.09	6.3
Total Debt/Equity (%)	93.9	47.71	174.59	28.62	20.3	12.24	7.34	5.45	64.44	36.51	60.02	80.84
Total Debt/Capital (%)	48.43	32.3	63.58	22.25	16.87	10.9	6.84	5.17	39.19	26.74	37.51	44.7
Total Debt/Total Assets (%)	11.17	5.99	16.52	2.92	2.12	1.42	0.75	0.51	4.87	2.62	4.09	6.3
Net Debt to Equity	80.57	36.2	73.63	-9.68	-26.52	-22.28	-41.83	-140.72	-24.78	-22.62	-28.63	-12.62
Net Debt/Capital (%)	44.62	26.58	28.22	-8.13	-28.28	-24.77	-63.85	399.07	-17.74	-19.87	-21.79	-7.5
EBITDA	-3	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-3	2	- -	- -	-1	- -	- -	-1	-3	-5	-2	-1
Operating Income (Loss)	-4	-1	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2005 Y	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	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	11.9	12.55	9.46	10.2	10.43	11.61	10.19	9.35	7.56	7.17	6.81	7.8
Long-Term Debt/Equity (%)	- -	- -	174.59	28.62	20.3	12.24	7.34	5.45	64.44	36.51	60.02	80.84
Long-Term Debt/Capital (%)	- -	- -	63.58	22.25	16.87	10.9	6.84	5.17	39.19	26.74	37.51	44.7
Long-Term Debt/Total Assets (%)	- -	- -	16.52	2.92	2.12	1.42	0.75	0.51	4.87	2.62	4.09	6.3
Total Debt/Equity (%)	93.9	47.71	174.59	28.62	20.3	12.24	7.34	5.45	64.44	36.51	60.02	80.84
Total Debt/Capital (%)	48.43	32.3	63.58	22.25	16.87	10.9	6.84	5.17	39.19	26.74	37.51	44.7
Total Debt/Total Assets (%)	11.17	5.99	16.52	2.92	2.12	1.42	0.75	0.51	4.87	2.62	4.09	6.3
CFO/Total Liabilities	-1.71	1.43	-0.24	2.28	-0.17	3.17	-0.21	2.49	1.44	1.2	-6.15	1.23
CFO/CapEx	- -	- -	-2.17	24.7	-1.22	61.64	-4.42	22.61	3.1	1.54	-27.09	12.31
Altman's Z-Score	0.06	0.1	0.05	0.04	0.12	0.14	0.11	0.13	0.11	0.1	0.1	0.13

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2005 Y	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	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	- -	8.12	4.98	17.39	- -	- -	- -	- -	- -	- -	- -	- -
Days Sales Outstanding	- -	44.94	73.33	20.98	- -	- -	- -	- -	- -	- -	- -	- -
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

	2005 Y	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	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	35	41	25	- -	38	48	39	51	39	36	39	56
- Cash & Cash Equivalents	2	3	4	4	11	10	21	71	12	12	17	9
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	17	14	52	11	8	6	4	3	32	20	36	56
Enterprise Value	50	52	73	7	35	43	22	-17	59	44	58	103
Total Capital	35	43	82	49	50	53	53	53	81	74	95	125
Total Debt/Capital (%)	48.43	32.3	63.58	22.25	16.87	10.9	6.84	5.17	39.19	26.74	37.51	44.7
Total Debt / EV	0.34	0.27	0.71	1.51	0.24	0.13	0.17	-0.16	0.54	0.45	0.62	0.54
EV/Sales	17.83	7.97	7.77	0.39	1.83	2.31	1.13	- -	2.47	1.7	1.87	2.83
EV/EBITDA	- -	26.36	236.27	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	0.95	- -	3.81	- -	- -	6.77	5.23	- -	10.22
EV/Free Cash Flow to Firm	- -	- -	- -	0.91	- -	3.75	- -	- -	5.12	3.17	- -	9.45
Diluted Market Cap	33	34	25	43	39	49	41	53	39	36	39	56
Diluted Enterprise Value	48	45	73	51	37	45	24	-15	59	43	58	103
EV per Share	21.25	15.7	21.88	- -	7.87	9.48	4.93	- -	13.35	9.83	12.83	22.57
TTM Sales	3	7	9	19	19	19	19	21	24	26	31	37
TTM EBITDA	-3	2	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	-4	-1	-1	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	- -	- -	-1	8	-1	11	-1	12	9	8	-50	10
TTM Free Cash Flow to Firm	- -	- -	- -	8	- -	12	-1	13	12	14	-48	11

Multiples (USD)

Valuation Multiples API ChatGPT

	2005 Y	2006 Y	2007 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2005	12/31/2006	12/31/2007	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	-14.38	11.77	-67.33	5.41	-359.46	4.29	-58.44	4.15	3.39	2.6	-0.81	5.09
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	50	52	73	7	35	43	22	-17	59	44	58	103
Low Price	11	11.55	7.35	7.7	8.1	8.45	5.85	8.75	8.85	7.1	8	8.4
EV/Sales	17.83	7.97	7.77	0.39	1.83	2.31	1.13	- -	2.47	1.7	1.87	2.83
EV/EBITDA	- -	26.36	236.27	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	19.4	11.79	14.84	14.32	12.56	9.9	9	8.22	7.06
Price/Earnings Average	-7.62	-36.02	-65.15	18.32	14.87	13.6	13.83	11.17	11.67	9.38	8.13	6.08
Price/Earnings High	-9.33	-42.84	-74.01	20.15	15.76	15.18	17.34	13.58	13.11	10.5	8.78	7.21
Price/Earnings Low	-6.84	-30.91	-42.66	15.59	11.3	11.92	9.58	9.32	9.83	7.84	7.56	4.84
Price/Book Value	1.93	1.41	0.84	- -	0.9	1.02	0.79	1.01	0.8	0.67	0.66	0.81
Price/Book Value Average	1.58	1.52	1.26	- -	1.14	0.93	0.76	0.9	0.94	0.7	0.65	0.7
Price/Book Value High	1.93	1.81	1.43	- -	1.21	1.04	0.96	1.1	1.05	0.79	0.71	0.83
Price/Book Value Low	1.42	1.3	0.82	- -	0.87	0.82	0.53	0.75	0.79	0.59	0.61	0.56
Price/Tangible Book Value	1.93	1.41	0.84	- -	0.93	1.04	0.81	1.03	0.8	0.68	0.67	0.82
Price/Tangible Book Value Average	1.58	1.52	1.26	- -	1.18	0.96	0.78	0.92	0.95	0.71	0.66	0.7
Price/Tangible Book Value High	1.93	1.81	1.43	- -	1.25	1.07	0.97	1.11	1.06	0.79	0.71	0.83
Price/Tangible Book Value Low	1.42	1.3	0.82	- -	0.89	0.84	0.54	0.76	0.8	0.59	0.61	0.56
Price/Sales	11.88	5.27	2.65	2.17	1.93	2.53	2.03	2.39	1.64	1.37	1.25	1.51
Price/Sales Average	9.7	5.67	3.97	2.05	2.43	2.32	1.96	2.13	1.93	1.43	1.23	1.3
Price/Sales High	11.88	6.75	4.51	2.26	2.58	2.59	2.46	2.59	2.17	1.6	1.33	1.54
Price/Sales Low	8.71	4.87	2.6	1.75	1.85	2.04	1.36	1.78	1.63	1.2	1.15	1.04
Price/Cash Flow	-14.38	11.77	-36.37	5.31	-60.58	4.18	-43.83	4.21	4.49	4.23	-0.77	5.46
Price/Cash Flow Average	-11.75	12.67	-54.43	5.02	-76.42	3.83	-42.32	3.74	5.29	4.41	-0.76	4.7
Price/Cash Flow High	-14.38	15.07	-61.83	5.52	-81.01	4.27	-53.04	4.55	5.94	4.94	-0.82	5.57
Price/Cash Flow Low	-10.55	10.87	-35.64	4.27	-58.07	3.36	-29.3	3.12	4.46	3.69	-0.71	3.74
Price/Free Cash Flow Average	-11.75	12.67	-100.75	5.11	-453.46	3.93	-56.44	3.69	4	2.71	-0.8	4.39
Price/Free Cash Flow High	-14.38	15.07	-114.46	5.62	-480.7	4.39	-70.73	4.49	4.49	3.03	-0.86	5.2
Price/Free Cash Flow Low	-10.55	10.87	-65.98	4.35	-344.57	3.45	-39.07	3.08	3.37	2.26	-0.74	3.49
EV/Sales Average	15.52	8.46	9.09	0.39	2.35	2.1	1.06	- -	2.77	1.75	1.86	2.62
EV/Sales High	17.83	9.76	9.63	0.39	2.5	2.37	1.55	- -	3.01	1.93	1.96	2.86
EV/Sales Low	14.47	7.49	7.71	0.39	1.75	1.81	0.46	- -	2.46	1.52	1.77	2.35
EV/EBITDA Average	-13.85	27.98	276.47	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	-15.91	32.26	292.96	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	-12.91	24.77	234.65	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	-12.18	-53.71	-149.1	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	-14	-61.92	-157.99	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	-11.36	-47.55	-126.54	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	15	12.5	7.5	9.58	8.45	10.52	8.75	11.79	8.91	8.15	8.7	12.25
High Price	15	16.01	12.75	9.95	11.3	10.76	10.59	12.75	11.8	9.5	9.3	12.5
Enterprise Value Average	43	55	85	7	45	39	21	-23	66	45	58	96
Enterprise Value High	50	64	90	7	48	44	30	-13	72	50	61	105
Enterprise Value Low	40	49	72	7	34	34	9	-30	59	39	55	86

Shares Outstanding	2	3	3	- -	4	5	4	4	4	4	5	5
Diluted Weighted Avg Shares	2	3	3	5	5	5	5	4	4	4	4	5
Basic Weighted Avg Shares	2	3	3	4	4	4	5	4	4	4	4	5
Revenue per Share	1.26	2.37	2.83	4.41	4.39	4.15	4.31	4.93	5.44	5.94	6.97	8.1
EBITDA per Share	-1.42	0.72	0.09	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	-1.61	-0.37	-0.17	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	-1.61	-0.37	-0.17	0.49	0.72	0.71	0.61	0.94	0.9	0.91	1.06	1.73
Basic EPS from Cont Ops	-1.61	-0.37	-0.17	0.49	0.72	0.71	0.61	0.94	0.9	0.91	1.06	1.73
Diluted EPS, GAAP	-1.61	-0.37	-0.17	0.47	0.68	0.68	0.59	0.91	0.9	0.89	1.05	1.72
Diluted EPS from Cont Ops	-1.61	-0.37	-0.17	0.47	0.68	0.68	0.59	0.91	0.9	0.89	1.05	1.72
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-1.04	1.06	-0.21	1.8	-0.14	2.52	-0.2	2.8	1.99	1.92	-11.28	2.24
Free Cash Flow per Basic Share	-1.04	1.06	-0.3	1.73	-0.25	2.48	-0.24	2.68	1.34	0.67	-11.7	2.06
Cash & Equivalents per Share	1.03	1.02	1.22	- -	2.48	2.3	4.64	16.36	2.78	2.73	3.77	1.91
Book Value per Share	7.75	8.85	8.94	- -	9.35	10.32	11.09	11.63	11.21	12.08	13.15	15.13
Tangible Book Value per Share	7.75	8.85	8.94	- -	9.06	10.09	10.87	11.44	11.09	12.02	13.08	15.02

Paragon Financial Solutions, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)