The PMI Group, Inc. Financial Ratios — PMIR Stock

Profitability (USD)

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Return on Common Equity (%)	24.96	22.12	19.65	17.63	18.78	18.48	17.47	13.05	15.19	13.58	12.31	-29.19	-41.97	-45.97	-107.4
Return on Assets (%)	13.23	10.97	10.99	10.54	11.58	11.41	10.64	7.21	8.03	7.87	7.94	-17.62	-18.77	-13.93	-17.45
Return on Capital (%)	23.24	19.14	16.74	15.24	- -	- -	- -	- -	- -	11.29	11.02	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	44.3	43.01	47.38	48.84	- -	- -	- -	- -	- -	53.03	51.89	-135.96	-191.24	-123.19	-105.92
Profit Margin (%)	31.49	31.05	35.24	35.98	40.36	40.66	41.32	33.75	41.83	40.12	38.9	-99.15	-134.41	-76.53	-102.44
Net Income to Common Margin (%)	31.49	31.05	35.24	35.98	40.36	40.66	41.32	33.75	41.83	40.12	38.9	-99.15	-134.41	-76.53	-102.44
Effective Tax Rate (%)	28.9	27.82	29.93	30.84	- -	- -	- -	- -	- -	24.34	25.02	- -	- -	- -	- -
Dvd Payout Ratio (%)	4.43	3.84	3.43	2.65	2.79	2.35	2.51	4.28	4.29	4.35	4.3	-1.76	-0.28	- -	- -
Sustainable Growth Rate (%)	23.86	21.27	18.97	17.16	18.26	18.04	17.03	12.49	14.54	12.99	11.78	-29.7	-42.09	-45.97	-107.4

Credit (USD)

API ChatGPT

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Total Debt	99	99	100	145	137	423	423	820	820	820	497	497	482	390	616
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
LT Debt	99	99	100	145	137	423	423	820	820	820	497	497	482	390	616
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	-11.26	-2.02	-1.73	-1.44	-1.94	-1.51	-7.12	-1.45	-0.97	-1.2	-0.48	-0.48	-0.09	-0.06	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	1	7	7	9	10	15	18	21	35	31	38	33	41	43	- -
Common Equity/Total Assets	46.91	51.99	59.68	59.94	63.21	60.63	61.16	50.87	54.75	61.07	67.9	52.5	36.54	23.83	7.91
Long-Term Debt/Equity (%)	10.07	8.57	8.32	11.05	8.56	23.05	18.86	29.44	26.12	25.37	13.92	19.76	37.69	53.64	148.38
Long-Term Debt/Capital (%)	12.3	9.24	7.9	9.67	7.83	18.52	16.13	25.15	22.53	20.34	12.09	15.72	21.46	26.07	64.87
Long-Term Debt/Total Assets (%)	6.58	5.89	5.6	6.92	5.72	14.15	12.03	17.09	15.93	15.6	9.34	9.79	9.99	8.4	14.6
Total Debt/Equity (%)	10.07	8.57	8.32	11.05	8.56	23.05	18.86	29.44	26.12	25.37	13.92	19.76	37.69	53.64	148.38
Total Debt/Capital (%)	12.3	9.24	7.9	9.67	7.83	18.52	16.13	25.15	22.53	20.34	12.09	15.72	21.46	26.07	64.87
Total Debt/Total Assets (%)	6.58	5.89	5.6	6.92	5.72	14.15	12.03	17.09	15.93	15.6	9.34	9.79	9.99	8.4	14.6
Net Debt to Equity	9.4	7.61	7.5	8.91	7.19	21.86	9.15	15.17	15.66	6.95	-0.27	5.65	-78.35	-40.83	83.91
Net Debt/Capital (%)	11.58	8.3	7.18	7.95	6.65	17.73	8.53	14.77	14.85	6.54	-0.26	5.07	-131.58	-36.7	51.08
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	-10	-14	-12	-12	-20	-23	-126	-30	-34	-37	-18	-16	-4	-2	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

API ChatGPT

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	46.91	51.99	59.68	59.94	63.21	60.63	61.16	50.87	54.75	61.07	67.9	52.5	36.54	23.83	7.91
Long-Term Debt/Equity (%)	10.07	8.57	8.32	11.05	8.56	23.05	18.86	29.44	26.12	25.37	13.92	19.76	37.69	53.64	148.38
Long-Term Debt/Capital (%)	12.3	9.24	7.9	9.67	7.83	18.52	16.13	25.15	22.53	20.34	12.09	15.72	21.46	26.07	64.87
Long-Term Debt/Total Assets (%)	6.58	5.89	5.6	6.92	5.72	14.15	12.03	17.09	15.93	15.6	9.34	9.79	9.99	8.4	14.6
Total Debt/Equity (%)	10.07	8.57	8.32	11.05	8.56	23.05	18.86	29.44	26.12	25.37	13.92	19.76	37.69	53.64	148.38
Total Debt/Capital (%)	12.3	9.24	7.9	9.67	7.83	18.52	16.13	25.15	22.53	20.34	12.09	15.72	21.46	26.07	64.87
Total Debt/Total Assets (%)	6.58	5.89	5.6	6.92	5.72	14.15	12.03	17.09	15.93	15.6	9.34	9.79	9.99	8.4	14.6
CFO/Total Liabilities	19.46	35.44	30.64	40.13	29.16	31.37	31.46	27.7	19.45	21.15	20.56	21.84	7.18	-13.93	-21.98
CFO/CapEx	9.97	13.63	14.36	25.18	11.54	15.74	3.19	18.48	11.6	11.5	19.51	35.1	72.41	-220.54	- -
Altman's Z-Score	0.99	1.06	1.14	1.11	1.15	1.1	1.09	0.9	0.95	1.05	1.15	0.92	0.65	0.52	0.29

Working Capital (USD)

API ChatGPT

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Accounts Receivable Turnover	95.28	59.03	32.73	20.63	17.9	15.28	28.01	58.82	41.26	95.75	32.02	14.56	11.43	14.98	14.69
Days Sales Outstanding	3.83	6.18	11.15	17.69	20.4	23.88	13.03	6.2	8.85	3.81	11.4	25.07	31.93	24.36	24.85
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

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Market Capitalization	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
- Cash & Cash Equivalents	7	11	10	28	22	22	218	397	328	595	506	355	1,483	687	268
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	99	99	99	99	48	48	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	99	99	100	145	137	423	423	820	820	820	497	497	482	390	616
Enterprise Value	11	108	150	71	74	312	217	399	363	82	-16	140	-1,004	-299	331
Total Capital	808	1,075	1,260	1,504	1,748	2,284	2,622	3,258	3,637	4,028	4,107	3,158	2,244	1,496	950
Total Debt/Capital (%)	12.3	9.24	7.9	9.67	7.83	18.52	16.13	25.15	22.53	20.34	12.09	15.72	21.46	26.07	64.87
Total Debt / EV	9.14	0.92	0.66	2.04	1.84	1.35	1.95	2.06	2.26	9.98	-31.69	3.55	-0.48	-1.3	1.86
EV/Sales	0.02	0.19	0.28	0.13	0.12	0.41	0.26	0.45	0.38	0.08	- -	0.15	- -	- -	0.44
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	0.11	0.57	0.82	0.22	- -	- -	- -	- -	- -	0.18	- -	0.24	- -	- -	- -
EV/Free Cash Flow to Firm	0.1	0.53	0.77	0.21	- -	- -	- -	- -	- -	0.17	- -	0.23	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	93	187	189	216	214	450	254	422	491	224	-9	142	-1,002	-297	348
EV per Share	0.31	3.25	1.56	0.79	1.68	7.03	2.42	4.43	3.8	0.89	- -	1.65	- -	- -	2.44
TTM Sales	501	565	540	568	645	756	838	887	955	1,020	1,079	923	691	861	755
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	102	191	183	321	- -	- -	- -	- -	- -	452	388	585	282	-519	-836
TTM Free Cash Flow to Firm	113	205	196	333	- -	- -	- -	- -	- -	489	407	601	286	-516	-836

Multiples (USD)

API ChatGPT

	1996 Y	1997 Y	1998 Y	1999 Y	2000 Y	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y
As of date	12/31/1996	12/31/1997	12/31/1998	12/31/1999	12/31/2000	12/31/2001	12/31/2002	12/31/2003	12/31/2004	12/31/2005	12/31/2006	12/31/2007	12/31/2008	12/31/2009	12/31/2010

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	11	108	150	71	74	312	217	399	363	82	-16	140	-1,004	-299	331
Low Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	0.02	0.19	0.28	0.13	0.12	0.41	0.26	0.45	0.38	0.08	- -	0.15	- -	- -	0.44
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	0.18	0.33	0.35	0.38	0.33	0.6	0.3	0.48	0.51	0.22	- -	0.15	- -	- -	0.46
EV/Sales High	0.18	0.33	0.35	0.38	0.33	0.6	0.3	0.48	0.51	0.22	- -	0.15	- -	- -	0.46
EV/Sales Low	0.18	0.33	0.35	0.38	0.33	0.6	0.3	0.48	0.51	0.22	- -	0.15	- -	- -	0.46
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
High Price	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value Average	93	187	189	216	214	450	254	422	491	224	-9	142	-1,002	-297	348
Enterprise Value High	93	187	189	216	214	450	254	422	491	224	-9	142	-1,002	-297	348
Enterprise Value Low	93	187	189	216	214	450	254	422	491	224	-9	142	-1,002	-297	348

Shares Outstanding	103	32	30	45	44	45	90	95	94	89	87	81	82	83	161
Diluted Weighted Avg Shares	105	34	97	90	45	45	98	97	103	100	92	85	81	82	136
Basic Weighted Avg Shares	35	33	96	90	44	44	90	90	96	92	87	85	81	82	136
Revenue per Share	14.31	16.91	5.6	6.32	14.57	17.02	9.32	9.87	9.99	11.12	12.47	10.91	8.48	10.48	5.57
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	4.51	5.25	1.97	2.27	5.88	6.92	3.85	3.33	4.18	4.46	4.85	-10.81	-11.4	-8.02	-5.7
Basic EPS from Cont Ops	4.51	5.25	1.9	2.18	5.74	6.82	3.62	3.05	3.84	4.46	4.85	-11.92	-10.9	-7.95	-5.7
Diluted EPS, GAAP	1.5	5.23	1.96	2.26	5.8	6.78	3.55	3.09	3.87	4.1	4.57	-10.81	-11.4	-8.01	-5.7
Diluted EPS from Cont Ops	1.5	5.23	1.89	2.17	5.66	6.68	3.34	2.83	3.55	4.1	4.57	-11.92	-10.9	-7.95	-5.7
Dividend per Share	0.2	0.2	0.07	0.06	0.16	0.16	0.09	0.13	0.16	0.19	0.21	0.21	0.03	- -	- -
Cash Flow per Share	2.91	5.59	1.85	3.5	5.24	8.16	4.46	6.19	4.09	4.67	4.16	6.6	3.13	-6.63	-6.17
Free Cash Flow per Basic Share	2.61	5.18	1.72	3.36	4.78	7.64	3.06	5.86	3.74	4.26	3.94	6.41	3.08	-6.66	-6.17
Cash & Equivalents per Share	2.52	2.69	0.5	1.93	3.65	3.59	2.83	4.68	4.78	8.04	5.92	4.21	18.25	8.38	2.11
Book Value per Share	20.21	26.26	11	14	34.18	40.84	23.92	27.12	29.49	34.98	41.73	31.45	21.65	13.45	2.46
Tangible Book Value per Share	28.16	34.74	12.4	14.63	36.13	41.34	24.94	30.96	32.84	35.22	41.24	29.69	15.7	8.84	3.06

The PMI Group, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)