George Risk Industries, Inc. Financial Ratios — RSKIA 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
Return on Common Equity (%)	6.88	8.62	8.62	9.62	9.26	8.69	6.58	6.84	9.07	5.03	23.41	6.97	9.06	13.62	12.13
Return on Assets (%)	7.01	8.69	8.52	9.25	8.76	8.39	6.39	6.41	8.57	4.85	22.11	6.59	8.65	12.95	11.49
Return on Capital (%)	6.85	8.6	8.6	9.61	9.24	8.67	6.56	6.82	9.05	4.97	23.12	6.96	9.04	13.59	12.12
Return on Invested Capital (%)	4.88	7.07	6.04	7.41	6.94	6.86	5.36	4.87	6.42	7.37	8.93	9.49	8.29	8.74	9.47
Gross Margin (%)	47.31	53.72	51.58	55.54	54.08	55.72	52.09	47.06	48.14	50	50.41	48.3	46.92	49.8	48.41
EBITDA Margin (%)	21.65	31.08	27.33	33.29	31.11	31.53	27.24	23.04	25.91	27.71	30.84	29.34	27.55	31.13	32.12
Operating Margin (%)	19.93	29.53	25.67	31.87	29.86	29.91	25.52	20.89	23.4	25.19	28.67	27.24	25.33	28.89	29.96
Incremental Operating Margin (%)	64.71	89.14	-150.67	158.45	4.56	28.96	172.32	-28.33	37.08	62.08	42.64	15.34	77.78	68.74	60.18
Pretax Margin (%)	29.44	37.47	37.56	41.44	39.36	38.41	32.36	29.72	33.92	18	78.07	20.94	29.11	47.43	40.43
Profit Margin (%)	22.87	25.75	25.89	28.32	26.48	27.46	22.02	21.34	25.47	14.21	58.48	17.2	23.81	34.72	31.65
Net Income to Common Margin (%)	22.87	25.75	25.89	28.32	26.48	27.46	22.02	21.34	25.47	14.21	58.48	17.2	23.81	34.72	31.65
Effective Tax Rate (%)	22.32	31.29	31.08	31.67	32.72	28.52	31.94	28.2	24.92	20.94	25.09	17.85	18.19	26.78	21.73
Dvd Payout Ratio (%)	45.61	39.84	84.16	44.01	46.41	50.32	66.47	63.51	48.69	85.57	17.47	63.29	56.53	38.57	62.34
Sustainable Growth Rate (%)	3.74	5.19	1.37	5.38	4.96	4.32	2.2	2.5	4.65	0.73	19.32	2.56	3.94	8.36	4.57

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
Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	- -	- -	- -
ST Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	- -	- -	- -
LT Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.23	- -	- -	- -	- -	- -
Net Debt/EBITDA	-2.74	-1.81	-1.69	-1.6	-1.54	-1.67	-2.17	-1.56	-1.33	-1.34	-1.28	-1	-0.9	-1.05	-0.89
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.25	- -	- -	- -	- -	- -
Net Debt/EBIT	-2.98	-1.9	-1.8	-1.67	-1.6	-1.76	-2.32	-1.72	-1.47	-1.48	-1.38	-1.08	-0.98	-1.13	-0.96
EBITDA to Interest Expense	- -	- -	957.33	458.75	1,234.33	- -	- -	- -	3,660	4,103	- -	- -	- -	- -	1,206.67
EBITDA-CapEx/Interest Expense	- -	- -	922.67	448.62	1,172.33	- -	- -	- -	3,506	3,372	- -	- -	- -	- -	1,140.67
EBIT to Interest Expense	- -	- -	899.33	439.25	1,184.67	- -	- -	- -	3,306	3,730	- -	- -	- -	- -	1,125.5
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	101.27	100.21	97.54	94.82	94.45	98.69	95.75	91.83	96.99	95.64	93.47	95.67	95.32	94.91	94.6
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.4	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.21	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.17	- -	- -	- -	- -	- -
Net Debt to Equity	-18.33	-19.17	-15.8	-17.9	-16.56	-17.01	-18.05	-11.38	-12.32	-13.91	-15.14	-12.39	-9.76	-13.02	-11.38
Net Debt/Capital (%)	-21.18	-22.39	-18.07	-21.36	-19.48	-19.49	-21.19	-12.86	-13.18	-15.11	-16.89	-13.3	-10.19	-14.04	-12.08
EBITDA	2	3	3	4	4	4	3	3	4	4	6	6	6	7	7
EBITDA-CapEx	2	3	3	4	4	3	3	1	4	3	5	6	5	6	7
Operating Income (Loss)	2	3	3	4	4	3	3	2	3	4	5	6	5	6	7

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
Cash Ratio	28.83	22.79	17.17	13.63	13.05	18.96	18.31	13.58	14.13	9.13	13.57	11.41	10.16	11.08	10.13
Current Ratio	33.2	26.54	19.97	15.65	15.13	22.16	20.88	16.75	17.57	11.62	16.86	15.55	14.65	15.3	14.48
Quick Ratio	30.67	24.26	18.39	14.57	13.9	20.15	19.35	14.7	15.32	9.99	14.85	12.68	11.15	12.14	11.78
CFO/Avg Current Liab	2.73	2.46	1.62	1.59	1.09	1.46	1.87	0.18	1.21	1.15	1.17	0.63	0.83	1.64	1.09
Common Equity/Total Assets	101.27	100.21	97.54	94.82	94.45	98.69	95.75	91.83	96.99	95.64	93.47	95.67	95.32	94.91	94.6
Long-Term Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Long-Term Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/Equity (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.4	- -	- -	- -	- -	- -
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.21	- -	- -	- -	- -	- -
Total Debt/Total Assets (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.17	- -	- -	- -	- -	- -
CFO/Total Liabilities	224.32	193.4	128.61	130.95	99.72	153.61	117.97	11.52	78.73	79.46	66.15	39.47	53.49	97.75	66.49
CFO/CapEx	12.78	8.26	21.13	36.93	13.33	10.05	27.69	0.17	17.76	4.54	7.33	5.05	5.18	15.89	10.88
Altman's Z-Score	13.95	10.58	10.41	8.97	9.3	10.38	9.33	8.53	8.33	7.7	8.33	9.17	8.47	8.75	3.12

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
Accounts Receivable Turnover	6.17	6.34	5.86	5.58	5.89	5.74	5.8	5.43	5.39	5.23	5.46	5.23	5.25	5.88	5.24
Days Sales Outstanding	59.11	57.54	62.23	65.37	61.96	63.63	62.93	67.2	67.71	69.75	66.83	69.76	69.58	62.09	69.61
Inventory Turnover	2.44	2.26	2.3	2.28	2.43	1.9	1.98	2.27	1.87	1.53	1.71	1.58	1.09	0.95	1.04
Days Inventory Outstanding	149.46	161.22	158.69	160.35	150.51	192.11	184.04	160.97	195.55	238.75	213.31	230.88	333.56	384.19	349.96
Accounts Payable Turnover	49.22	46.94	58.68	57.19	50.3	80.37	91.28	35.95	31.89	40.33	29.2	32.72	32.58	26.38	36.52
Accounts Payable Turnover Days	7.42	7.78	6.22	6.38	7.26	4.54	4	10.15	11.45	9.05	12.5	11.16	11.2	13.84	9.99
Cash Conversion Cycle	201.15	210.99	214.7	219.33	205.22	251.2	242.97	218.02	251.82	299.45	267.63	289.49	391.94	432.45	409.58
Inventory to Cash Days	-90.35	-103.68	-96.45	-94.98	-88.56	-128.48	-121.11	-93.78	-127.84	-169	-146.48	-161.12	-263.98	-322.1	-280.36
Inventories	2	2	2	2	2	3	2	3	5	5	6	8	11	12	11
Raw Materials	1	2	2	2	2	2	2	2	4	4	4	7	10	10	9
Work In Process	- -	1	- -	1	- -	1	- -	- -	- -	- -	- -	1	1	1	1
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	1	1	1	1	1	1	1
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (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
Market Capitalization	17	16	21	23	26	23	29	30	30	32	50	50	48	58	- -
- Cash & Cash Equivalents	5	6	5	6	6	6	6	4	5	6	7	6	5	7	6
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	- -	- -	- -	- -	- -	- -	- -	- -	- -	1	- -	- -	- -	- -	- -
Enterprise Value	-8	-10	-6	-7	-5	-7	-4	- -	-2	2	10	13	11	16	-42
Total Capital	30	32	32	33	35	36	37	38	42	43	51	52	53	58	60
Total Debt/Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	2.21	- -	- -	- -	- -	- -
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	0.57	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	0.13	0.02	0.11	0.52	0.62	0.57	0.74	1.39
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	0.56	0.09	0.4	1.68	2.13	2.08	2.37	4.33
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	0.62	0.1	0.44	1.8	2.29	2.27	2.56	4.65
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	4.17	0.12	0.5	2.52	6.58	4.05	2.68	7.28
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	0.61	0.12	0.41	2.22	5.49	3.39	2.52	6.66
Diluted Market Cap	17	16	21	23	26	23	29	30	30	33	50	50	48	58	- -
Diluted Enterprise Value	12	10	16	17	21	17	22	26	26	27	43	44	43	51	-6
EV per Share	- -	- -	- -	- -	- -	- -	- -	0.31	0.07	0.33	1.93	2.62	2.33	3.27	6.41
TTM Sales	9	10	11	11	12	11	11	12	14	15	19	21	20	22	23
TTM EBITDA	2	3	3	4	4	4	3	3	4	4	6	6	6	7	7
TTM Operating Income	2	3	3	4	4	3	3	2	3	4	5	6	5	6	7
TTM Cash Flow to Firm	2	2	2	3	2	3	3	- -	3	3	4	2	3	6	4
TTM Free Cash Flow to Firm	2	3	2	3	3	3	3	3	3	4	4	2	3	6	5

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
Price/Free Cash Flow	7.55	5.75	9.16	7.38	9.79	7.25	8.74	11.94	10.56	8.03	11.68	21.25	14.15	9.06	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	0.62	0.1	0.44	1.8	2.29	2.27	2.56	4.65
Enterprise Value	-8	-10	-6	-7	-5	-7	-4	- -	-2	2	10	13	11	16	-42
Low Price	4.16	5.05	5.02	6.92	7.15	5.5	7.12	7.8	8.05	7.01	7.16	12	9.52	9.81	12
EV/Sales	- -	- -	- -	- -	- -	- -	- -	0.13	0.02	0.11	0.52	0.62	0.57	0.74	1.39
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	0.56	0.09	0.4	1.68	2.13	2.08	2.37	4.33
Price/Earnings	8.26	5.96	7.72	7.24	8.25	7.44	11.96	11.8	8.44	15.39	4.63	14	10.02	7.62	- -
Price/Earnings Average	6.69	6.13	6.83	7.71	7.85	8.11	10.83	11.27	8.37	15.79	3.67	15.37	10.18	7.02	- -
Price/Earnings High	17.45	14.35	14.05	14.57	14.31	14.65	17.64	17.04	12	25.42	6.22	21.95	12.69	9.17	- -
Price/Earnings Low	10.38	9.62	9.29	11.15	11.41	8.95	14.78	15.19	11.1	16.5	3.27	16.63	9.87	6.38	- -
Price/Book Value	0.56	0.5	0.66	0.68	0.75	0.63	0.78	0.8	0.73	0.77	0.99	0.97	0.89	1	- -
Price/Book Value Average	0.45	0.52	0.59	0.72	0.71	0.69	0.71	0.76	0.72	0.79	0.78	1.06	0.91	0.92	- -
Price/Book Value High	1.18	1.21	1.21	1.37	1.3	1.25	1.15	1.15	1.03	1.28	1.33	1.51	1.13	1.2	- -
Price/Book Value Low	0.7	0.81	0.8	1.05	1.03	0.76	0.96	1.03	0.96	0.83	0.7	1.15	0.88	0.84	- -
Price/Tangible Book Value	0.59	0.53	0.69	0.69	0.76	0.66	0.8	0.84	0.8	0.85	1.07	1.05	0.97	1.08	- -
Price/Tangible Book Value Average	0.47	0.54	0.61	0.74	0.72	0.72	0.73	0.8	0.8	0.87	0.85	1.15	0.98	0.99	- -
Price/Tangible Book Value High	1.24	1.27	1.25	1.39	1.32	1.3	1.19	1.21	1.14	1.41	1.43	1.64	1.22	1.29	- -
Price/Tangible Book Value Low	0.74	0.85	0.83	1.06	1.05	0.8	0.99	1.08	1.06	0.91	0.76	1.24	0.95	0.9	- -
Price/Sales	1.89	1.54	2	2.05	2.18	2.04	2.63	2.52	2.15	2.19	2.71	2.41	2.39	2.65	- -
Price/Sales Average	1.53	1.58	1.77	2.18	2.08	2.23	2.38	2.41	2.13	2.24	2.15	2.64	2.42	2.44	- -
Price/Sales High	3.99	3.69	3.64	4.13	3.79	4.02	3.89	3.64	3.06	3.61	3.64	3.78	3.02	3.18	- -
Price/Sales Low	2.38	2.48	2.41	3.16	3.02	2.46	3.25	3.24	2.83	2.34	1.91	2.86	2.35	2.21	- -
Price/Cash Flow	8.14	6.42	9.56	7.55	10.48	7.93	9.02	81.22	11.1	9.76	13.22	25.35	16.81	9.59	- -
Price/Cash Flow Average	6.59	6.6	8.46	8.04	9.97	8.64	8.17	77.57	11.01	10.01	10.47	27.83	17.07	8.84	- -
Price/Cash Flow High	17.19	15.44	17.4	15.21	18.19	15.63	13.31	117.27	15.79	16.11	17.75	39.76	21.28	11.54	- -
Price/Cash Flow Low	10.23	10.36	11.51	11.64	14.5	9.55	11.15	104.54	14.61	10.46	9.34	30.12	16.55	8.03	- -
Price/Free Cash Flow Average	6.12	5.91	8.11	7.86	9.31	7.89	7.91	11.4	10.47	8.23	9.25	23.33	14.36	8.35	- -
Price/Free Cash Flow High	15.94	13.83	16.68	14.87	16.99	14.27	12.89	17.24	15.01	13.26	15.68	33.32	17.91	10.9	- -
Price/Free Cash Flow Low	9.49	9.28	11.03	11.38	13.54	8.72	10.8	15.36	13.88	8.61	8.26	25.24	13.93	7.58	- -
EV/Sales Average	0.95	1.03	1.32	1.66	1.61	1.71	1.8	2.05	1.79	1.88	1.76	2.35	2.18	2.12	2.95
EV/Sales High	3.41	3.14	3.19	3.6	3.32	3.51	3.3	3.29	2.72	3.25	3.25	3.49	2.78	2.86	3.53
EV/Sales Low	1.79	1.93	1.95	2.63	2.55	1.94	2.67	2.89	2.49	1.98	1.52	2.57	2.11	1.89	2.32
EV/EBITDA Average	4.38	3.31	4.82	4.98	5.17	5.42	6.61	8.91	6.93	6.78	5.69	8.03	7.91	6.79	-0.88
EV/EBITDA High	15.74	10.11	11.66	10.82	10.67	11.12	12.12	14.26	10.49	11.72	10.53	11.89	10.08	9.19	-0.88
EV/EBITDA Low	8.28	6.19	7.15	7.92	8.2	6.16	9.81	12.54	9.61	7.14	4.94	8.77	7.65	6.08	-0.88
EV/EBIT Average	4.76	3.48	5.13	5.2	5.38	5.71	7.06	9.83	7.67	7.46	6.12	8.64	8.61	7.32	-0.94
EV/EBIT High	17.11	10.64	12.41	11.3	11.12	11.72	12.94	15.73	11.62	12.89	11.32	12.8	10.97	9.9	-0.94
EV/EBIT Low	9	6.52	7.61	8.27	8.54	6.49	10.47	13.84	10.64	7.86	5.32	9.44	8.32	6.55	-0.94
Last Price	3.31	3.13	4.17	4.49	5.17	4.57	5.76	6.06	6.12	6.54	10.13	10.1	9.67	11.72	15.01
High Price	6.99	7.53	7.59	9.04	8.97	9	8.5	8.75	8.7	10.8	13.6	15.84	12.24	14.1	17.54
Enterprise Value Average	8	11	14	18	19	19	20	25	25	28	32	49	44	46	-6
Enterprise Value High	30	32	33	40	40	39	36	39	38	48	60	72	56	62	-6
Enterprise Value Low	16	20	21	29	30	22	29	34	35	29	28	53	42	41	-6

	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
Shares Outstanding	5	5	5	5	5	5	5	5	5	5	5	5	5	5	5
Diluted Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	5	- -
Basic Weighted Avg Shares	5	5	5	5	5	5	5	5	5	5	5	5	5	5	- -
Revenue per Share	1.75	2.04	2.09	2.19	2.37	2.24	2.19	2.41	2.85	2.99	3.74	4.2	4.05	4.43	- -
EBITDA per Share	0.38	0.63	0.57	0.73	0.74	0.71	0.6	0.55	0.74	0.83	1.15	1.23	1.12	1.38	- -
Operating Income per Share	0.35	0.6	0.54	0.7	0.71	0.67	0.56	0.5	0.67	0.75	1.07	1.14	1.03	1.28	- -
Basic EPS, GAAP	0.4	0.52	0.54	0.62	0.63	0.61	0.48	0.51	0.73	0.42	2.19	0.72	0.96	1.54	- -
Basic EPS from Cont Ops	0.4	0.52	0.54	0.62	0.63	0.61	0.48	0.51	0.73	0.43	2.19	0.72	0.96	1.54	- -
Diluted EPS, GAAP	0.4	0.52	0.54	0.62	0.62	0.61	0.48	0.51	0.72	0.42	2.18	0.72	0.96	1.53	- -
Diluted EPS from Cont Ops	0.4	0.52	0.54	0.62	0.62	0.61	0.48	0.51	0.72	0.42	2.18	0.72	0.96	1.53	- -
Dividend per Share	0.18	0.21	0.45	0.27	0.29	0.31	0.32	0.33	0.35	0.36	0.38	0.46	0.55	0.59	- -
Cash Flow per Share	0.41	0.49	0.44	0.59	0.49	0.58	0.64	0.07	0.55	0.67	0.77	0.4	0.58	1.22	- -
Free Cash Flow per Basic Share	0.37	0.43	0.42	0.58	0.46	0.52	0.62	-0.36	0.52	0.52	0.66	0.32	0.46	1.15	- -
Cash & Equivalents per Share	4.9	5.16	5.37	5.92	6.16	6.06	6.59	6.18	6.48	6.42	8.22	7.5	7.36	8.47	- -
Book Value per Share	5.93	6.23	6.28	6.61	6.92	7.2	7.39	7.58	8.41	8.45	10.22	10.46	10.82	11.74	- -
Tangible Book Value per Share	5.65	5.95	6.08	6.5	6.81	6.9	7.16	7.23	7.62	7.67	9.48	9.65	10.02	10.89	- -

George Risk Industries, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)