QC Holdings, Inc. Financial Ratios — QCCO Stock

Profitability (USD)

	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y
As of date	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014

Return on Common Equity (%)	- -	118.22	80.17	63.33	13.6	20.07	49.33	98.21	78.79	33.5	24.09	11.58	-35.9	16.26
Return on Assets (%)	- -	17.1	24.01	20.16	4.36	6.79	9.98	9.28	13.62	8.35	6.98	3.77	-11.67	5.1
Return on Capital (%)	- -	52.37	34.27	41.9	13.6	17.05	20	18.59	24.42	15.44	12.7	8.23	- -	11.72
Return on Invested Capital (%)	- -	58.24	38.39	23.13	15.27	8.5	13.31	14.27	17.67	13.2	11.07	9.78	- -	8.21
Gross Margin (%)	34.87	36.67	37.87	38.83	24.15	27.95	30.92	32.15	36.94	36.47	40.82	35.08	27.71	26.47
EBITDA Margin (%)	34.87	31.6	27.64	26.16	21.54	13.35	16.44	17.18	20.57	17.85	17.88	15.08	10.75	10.09
Operating Margin (%)	34.87	29.83	25.56	24.1	18.02	9.69	13.04	13.85	17.11	14.31	14.5	12.26	8.23	7.82
Incremental Operating Margin (%)	- -	8.22	14.2	18.72	-2.7	-55.93	27.71	29.42	-29.51	32.12	13.38	-40.66	-140.57	28.89
Pretax Margin (%)	17.3	21.11	24.05	23.96	6.69	8.88	11.78	11.68	15.39	12.86	12.88	9.84	-7.33	5.51
Profit Margin (%)	10.77	11.6	14.99	15.63	3.52	5.35	6.9	6.1	9.58	6.84	6.97	3.53	-8.96	3.49
Net Income to Common Margin (%)	10.77	11.6	14.99	15.63	3.52	5.35	6.9	6.1	9.58	6.84	6.97	3.53	-8.96	3.49
Effective Tax Rate (%)	39.36	39.18	38.51	38.09	38.22	39.81	39.31	42.24	38.92	36.54	37.59	40.64	- -	39.75
Dvd Payout Ratio (%)	- -	- -	2.91	17.68	- -	- -	372.42	35.59	27.65	38.02	30.67	40.13	-27.48	17.35
Sustainable Growth Rate (%)	- -	118.22	77.83	52.14	13.6	20.07	-134.39	63.25	57	20.76	16.7	6.93	-45.77	13.44

Credit (USD)

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	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y
As of date	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014

Total Debt	- -	17	30	- -	- -	16	74	71	58	45	49	28	24	15
ST Debt	- -	9	11	- -	- -	16	28	33	30	28	35	25	21	12
LT Debt	- -	8	19	- -	- -	- -	46	38	28	17	14	3	3	3
Total Debt/EBITDA	- -	0.78	1.16	- -	- -	0.71	2.14	1.85	1.36	1.44	1.89	1.23	1.44	1
Net Debt/EBITDA	-0.46	0.41	0.79	-0.53	-0.96	-0.31	1.45	1.4	0.87	0.92	1.21	0.61	0.68	0.08
Total Debt/EBIT	- -	0.83	1.26	- -	- -	0.98	2.7	2.3	1.64	1.8	2.33	1.51	1.87	1.29
Net Debt/EBIT	-0.46	0.43	0.86	-0.58	-1.15	-0.43	1.82	1.73	1.04	1.15	1.49	0.75	0.89	0.1
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	52.88	8.87	12.7	12.99	13.88	8.36	11.83	11.29
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	47.93	7.83	12.24	12.1	13.04	7.13	9.79	9.55
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	41.94	7.15	10.57	10.42	11.25	6.8	9.07	8.74
Interest Expense	- -	- -	- -	- -	- -	- -	1	4	3	2	2	3	1	1
Common Equity/Total Assets	- -	25.97	33.09	31.13	32.98	34.62	6.49	12.54	21.87	28.19	29.69	35.91	28.35	34.59
Long-Term Debt/Equity (%)	- -	46.63	202.29	- -	- -	- -	88.08	76.1	42.27	23.59	17.95	3.83	4.98	4.85
Long-Term Debt/Capital (%)	- -	25.97	36.78	- -	- -	- -	54.63	42.4	30.62	20.12	15.02	4.18	6	6.76
Long-Term Debt/Total Assets (%)	- -	15.22	29.08	- -	- -	- -	30.75	26.29	18.71	12.23	9.28	2.39	3.04	3.36
Total Debt/Equity (%)	- -	99.99	319.88	- -	- -	15.56	142.65	143.16	88.65	62.89	62.11	34.19	36.54	21.91
Total Debt/Capital (%)	- -	55.7	58.15	- -	- -	24.78	88.47	79.77	64.21	53.62	51.97	37.31	44	30.51
Total Debt/Total Assets (%)	- -	32.65	45.98	- -	- -	11.4	49.81	49.46	39.24	32.59	32.12	21.38	22.28	15.19
Net Debt to Equity	-101.11	52.04	218.12	-15.55	-28.55	-6.82	96.42	108.13	56.38	40.12	39.73	17.04	17.29	1.7
Net Debt/Capital (%)	100	39.55	48.65	-81.21	-298.01	-16.88	83.84	74.86	53.29	42.45	40.9	22.88	27.11	3.29
EBITDA	19	21	26	31	33	23	35	38	43	31	26	23	17	15
EBITDA-CapEx	19	17	20	22	12	18	32	34	41	29	25	20	14	13
Operating Income (Loss)	19	20	24	28	28	17	28	31	35	25	21	19	13	12

Liquidity (USD)

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	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y
As of date	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014

Cash Ratio	- -	- -	0.52	1.74	2.36	0.67	0.51	0.34	0.42	0.36	0.33	0.35	0.38	0.64
Current Ratio	- -	- -	2.56	9.77	6.51	2.65	2.11	1.89	2.13	2.1	1.85	2.15	2.47	3.49
Quick Ratio	- -	- -	2.49	6.94	6.29	2.56	2.04	1.76	1.93	1.8	1.57	1.84	2.12	3.14
CFO/Avg Current Liab	- -	- -	2.02	0.67	1.38	0.5	0.5	0.38	0.57	0.42	0.37	0.5	0.08	0.48
Common Equity/Total Assets	- -	25.97	33.09	31.13	32.98	34.62	6.49	12.54	21.87	28.19	29.69	35.91	28.35	34.59
Long-Term Debt/Equity (%)	- -	46.63	202.29	- -	- -	- -	88.08	76.1	42.27	23.59	17.95	3.83	4.98	4.85
Long-Term Debt/Capital (%)	- -	25.97	36.78	- -	- -	- -	54.63	42.4	30.62	20.12	15.02	4.18	6	6.76
Long-Term Debt/Total Assets (%)	- -	15.22	29.08	- -	- -	- -	30.75	26.29	18.71	12.23	9.28	2.39	3.04	3.36
Total Debt/Equity (%)	- -	99.99	319.88	- -	- -	15.56	142.65	143.16	88.65	62.89	62.11	34.19	36.54	21.91
Total Debt/Capital (%)	- -	55.7	58.15	- -	- -	24.78	88.47	79.77	64.21	53.62	51.97	37.31	44	30.51
Total Debt/Total Assets (%)	- -	32.65	45.98	- -	- -	11.4	49.81	49.46	39.24	32.59	32.12	21.38	22.28	15.19
CFO/Total Liabilities	- -	31.9	33.11	76.29	91.28	31.62	21.16	20.36	34.76	29.98	24.46	48.25	7.23	42.89
CFO/CapEx	- -	2.51	3.54	1	0.75	2.22	6.32	4.27	18.37	9.35	11.47	7.06	1.05	5.62
Altman's Z-Score	2.9	3.34	3.96	9.79	6.79	5.02	3.56	3.43	3.68	3.42	3.07	3.63	3.14	3.48

Working Capital (USD)

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	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y
As of date	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014

Accounts Receivable Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	4.33	2.36	5.1	- -
Days Sales Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	84.28	154.36	71.56	- -
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	56.64	44.97	168.33	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	6.44	8.12	2.17	- -
Accounts Payable Turnover	- -	- -	418.31	215.21	223.01	159.86	131.11	186.56	567.61	352.6	258.65	86.33	78.54	154.71
Accounts Payable Turnover Days	- -	- -	0.87	1.7	1.64	2.28	2.78	1.96	0.64	1.04	1.41	4.23	4.65	2.36
Cash Conversion Cycle	- -	- -	-0.87	-1.7	-1.64	-2.28	-2.78	-1.96	-0.64	-1.04	89.31	158.25	69.08	-2.36
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	77.83	146.24	69.39	- -
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3	1	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	3	1	- -	- -

Enterprise Value (USD)

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	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y
As of date	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014

Market Capitalization	- -	- -	- -	132	103	138	117	38	50	41	46	39	23	22
- Cash & Cash Equivalents	9	8	9	17	32	23	24	17	21	16	18	14	13	14
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	17	30	- -	- -	16	74	71	58	45	49	28	24	15
Enterprise Value	-9	9	20	115	71	131	167	92	87	70	77	53	35	23
Total Capital	- -	30	51	37	42	66	84	89	90	84	95	75	55	51
Total Debt/Capital (%)	- -	55.7	58.15	- -	- -	24.78	88.47	79.77	64.21	53.62	51.97	37.31	44	30.51
Total Debt / EV	- -	1.92	1.47	- -	- -	0.12	0.45	0.77	0.67	0.64	0.64	0.53	0.7	0.67
EV/Sales	- -	0.13	0.22	0.98	0.46	0.76	0.79	0.41	0.42	0.4	0.53	0.35	0.22	0.15
EV/EBITDA	- -	0.41	0.79	3.73	2.16	5.71	4.81	2.4	2.04	2.24	2.96	2.33	2.06	1.5
EV/EBIT	- -	0.43	0.86	4.05	2.58	7.87	6.06	2.97	2.45	2.79	3.65	2.86	2.69	1.94
EV/Cash Flow to Firm	- -	0.79	1.11	12.46	4.49	10.89	7.97	4.25	2.82	3.25	4.01	2.1	8.12	1.63
EV/Free Cash Flow to Firm	- -	0.57	0.86	6.23	1.93	7.51	6.9	3.52	2.69	2.96	3.7	1.85	4.83	1.4
Diluted Market Cap	- -	- -	- -	141	107	143	119	38	50	41	46	39	23	22
Diluted Enterprise Value	-9	9	20	125	76	136	169	92	87	70	77	53	35	23
EV per Share	- -	0.46	1.28	7.28	3.46	6.57	8.68	5.13	4.98	4.04	4.53	3.11	1.99	1.32
TTM Sales	55	68	93	118	153	172	212	223	207	175	146	152	156	153
TTM EBITDA	19	21	26	31	33	23	35	38	43	31	26	23	17	15
TTM Operating Income	19	20	24	28	28	17	28	31	35	25	21	19	13	12
TTM Cash Flow to Firm	- -	11	18	9	16	12	21	22	31	21	19	25	4	14
TTM Free Cash Flow to Firm	- -	15	24	19	37	17	24	26	32	24	21	29	7	17

Multiples (USD)

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	2001 Y	2002 Y	2003 Y	2004 Y	2005 Y	2006 Y	2007 Y	2008 Y	2009 Y	2010 Y	2011 Y	2012 Y	2013 Y	2014 Y
As of date	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	12/31/2011	12/31/2012	12/31/2013	12/31/2014

Price/Free Cash Flow	- -	- -	- -	7.61	2.92	8.17	4.98	1.63	1.66	1.87	2.34	1.45	3.89	1.4
EV/EBIT	- -	0.43	0.86	4.05	2.58	7.87	6.06	2.97	2.45	2.79	3.65	2.86	2.69	1.94
Enterprise Value	-9	9	20	115	71	131	167	92	87	70	77	53	35	23
Low Price	- -	- -	- -	11.85	10.91	11.1	9.63	3.02	2.3	2.47	2.27	2.66	1.61	1.24
EV/Sales	- -	0.13	0.22	0.98	0.46	0.76	0.79	0.41	0.42	0.4	0.53	0.35	0.22	0.15
EV/EBITDA	- -	0.41	0.79	3.73	2.16	5.71	4.81	2.4	2.04	2.24	2.96	2.33	2.06	1.5
Price/Earnings	- -	- -	- -	7.14	19.09	15.04	8.01	2.81	2.51	3.44	4.5	7.32	- -	4.11
Price/Earnings Average	- -	- -	- -	5.83	23.34	12.6	8.4	5.55	2.85	3.91	4.35	8.05	-2.47	5.37
Price/Earnings High	- -	- -	- -	16.65	73.77	35.43	22.57	15.76	6.93	9.18	8.81	15.95	-4.52	9.32
Price/Earnings Low	- -	- -	- -	10.17	41.6	24.08	12.72	3.97	2.03	3.57	3.8	8.49	-2	4.07
Price/Book Value	- -	- -	- -	3.58	2.43	2.8	12.05	2.13	1.54	1.06	1.01	0.83	0.76	0.63
Price/Book Value Average	- -	- -	- -	2.92	2.97	2.35	12.63	4.2	1.74	1.2	0.97	0.91	1.13	0.82
Price/Book Value High	- -	- -	- -	8.34	9.39	6.59	33.94	11.93	4.24	2.82	1.97	1.81	2.06	1.42
Price/Book Value Low	- -	- -	- -	5.1	5.29	4.48	19.13	3	1.24	1.1	0.85	0.96	0.91	0.62
Price/Tangible Book Value	- -	- -	- -	1.33	0.99	1.53	3.24	1.15	1.02	0.75	0.92	0.69	0.36	0.32
Price/Tangible Book Value Average	- -	- -	- -	1.09	1.21	1.29	3.39	2.27	1.15	0.85	0.89	0.76	0.54	0.41
Price/Tangible Book Value High	- -	- -	- -	3.11	3.83	3.61	9.12	6.43	2.8	1.99	1.8	1.5	0.98	0.72
Price/Tangible Book Value Low	- -	- -	- -	1.9	2.16	2.46	5.14	1.62	0.82	0.77	0.78	0.8	0.43	0.31
Price/Sales	- -	- -	- -	1.12	0.67	0.8	0.55	0.17	0.24	0.24	0.31	0.26	0.15	0.14
Price/Sales Average	- -	- -	- -	0.91	0.82	0.67	0.58	0.34	0.27	0.27	0.3	0.28	0.22	0.19
Price/Sales High	- -	- -	- -	2.6	2.6	1.89	1.56	0.96	0.66	0.63	0.61	0.56	0.4	0.33
Price/Sales Low	- -	- -	- -	1.59	1.46	1.29	0.88	0.24	0.19	0.24	0.26	0.3	0.18	0.14
Price/Cash Flow	- -	- -	- -	14.25	6.49	11.48	5.68	2	1.74	2.06	2.53	1.65	7.58	1.64
Price/Cash Flow Average	- -	- -	- -	11.64	7.94	9.62	5.95	3.96	1.97	2.34	2.44	1.82	11.31	2.15
Price/Cash Flow High	- -	- -	- -	33.2	25.1	27.05	16	11.23	4.79	5.5	4.95	3.6	20.71	3.73
Price/Cash Flow Low	- -	- -	- -	20.29	14.15	18.38	9.01	2.83	1.4	2.14	2.13	1.91	9.16	1.63
Price/Free Cash Flow Average	- -	- -	- -	6.22	3.57	6.85	5.22	3.22	1.88	2.13	2.26	1.6	5.81	1.83
Price/Free Cash Flow High	- -	- -	- -	17.74	11.27	19.25	14.02	9.15	4.58	4.99	4.57	3.16	10.63	3.17
Price/Free Cash Flow Low	- -	- -	- -	10.84	6.36	13.09	7.9	2.31	1.34	1.94	1.97	1.68	4.7	1.38
EV/Sales Average	- -	0.13	0.22	0.77	0.61	0.63	0.82	0.58	0.45	0.43	0.52	0.38	0.29	0.2
EV/Sales High	- -	0.13	0.22	2.46	2.39	1.85	1.8	1.2	0.84	0.79	0.83	0.66	0.48	0.33
EV/Sales Low	- -	0.13	0.22	1.45	1.26	1.25	1.12	0.48	0.37	0.41	0.48	0.39	0.25	0.15
EV/EBITDA Average	-0.46	0.41	0.79	2.95	2.85	4.74	4.97	3.37	2.19	2.42	2.9	2.5	2.74	1.93
EV/EBITDA High	-0.46	0.41	0.79	9.41	11.09	13.88	10.92	6.99	4.09	4.44	4.64	4.35	4.45	3.3
EV/EBITDA Low	-0.46	0.41	0.79	5.54	5.83	9.33	6.78	2.81	1.81	2.29	2.69	2.6	2.35	1.49
EV/EBIT Average	-0.46	0.43	0.86	3.2	3.41	6.52	6.27	4.18	2.64	3.02	3.58	3.07	3.57	2.5
EV/EBIT High	-0.46	0.43	0.86	10.22	13.26	19.11	13.77	8.68	4.92	5.54	5.72	5.35	5.81	4.26
EV/EBIT Low	-0.46	0.43	0.86	6.02	6.97	12.85	8.55	3.48	2.18	2.86	3.32	3.2	3.06	1.92
Last Price	- -	- -	- -	8.32	5.01	6.93	6.07	2.14	2.86	2.38	2.69	2.29	1.33	1.26
High Price	- -	- -	- -	19.39	19.35	16.33	17.09	11.97	7.88	6.35	5.26	4.99	3.64	2.85
Enterprise Value Average	-9	9	20	91	94	109	173	129	93	75	76	57	46	30
Enterprise Value High	-9	9	20	291	365	319	380	267	174	138	121	100	75	51
Enterprise Value Low	-9	9	20	171	192	215	236	107	77	71	70	60	39	23

Shares Outstanding	20	20	20	20	20	20	19	17	17	17	17	17	17	17
Diluted Weighted Avg Shares	19	19	16	17	21	21	20	18	18	17	17	17	17	18
Basic Weighted Avg Shares	19	19	16	16	21	20	19	18	17	17	17	17	17	17
Revenue per Share	2.9	3.57	5.83	7.45	7.45	8.62	10.97	12.45	11.87	10.11	8.57	8.85	8.99	8.75
EBITDA per Share	1.01	1.13	1.61	1.95	1.61	1.15	1.8	2.14	2.44	1.81	1.53	1.34	0.97	0.88
Operating Income per Share	1.01	1.07	1.49	1.8	1.34	0.84	1.43	1.72	2.03	1.45	1.24	1.09	0.74	0.68
Basic EPS, GAAP	0.31	0.41	0.87	1.16	0.26	0.46	0.76	0.76	1.14	0.69	0.6	0.31	-0.81	0.31
Basic EPS from Cont Ops	0.3	0.46	0.86	1.11	0.31	0.46	0.78	0.84	1.12	0.83	0.69	0.52	-0.56	0.29
Diluted EPS, GAAP	0.31	0.41	0.85	1.09	0.25	0.45	0.75	0.76	1.13	0.69	0.59	0.31	-0.81	0.31
Diluted EPS from Cont Ops	0.3	0.45	0.84	1.03	0.29	0.45	0.77	0.83	1.11	0.82	0.69	0.52	-0.56	0.29
Dividend per Share	- -	- -	0.03	0.2	- -	- -	2.92	0.3	0.31	0.31	0.21	0.21	0.15	0.05
Cash Flow per Share	- -	0.58	1.16	0.58	0.77	0.6	1.07	1.07	1.65	1.15	1.06	1.39	0.18	0.76
Free Cash Flow per Basic Share	- -	0.35	0.83	- -	-0.25	0.33	0.9	0.82	1.56	1.03	0.97	1.19	0.01	0.63
Cash & Equivalents per Share	0.47	0.42	0.6	1.04	1.54	1.17	1.25	0.97	1.21	0.94	1.04	0.82	0.73	0.81
Book Value per Share	- -	0.7	1.35	2.32	2.06	2.48	0.5	1	1.86	2.25	2.67	2.75	1.76	2.01
Tangible Book Value per Share	0.46	0.59	0.24	6.24	5.05	4.52	1.87	1.86	2.81	3.19	2.92	3.32	3.7	3.98

QC Holdings, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)