Webster Financial Corporation Financial Ratios — WBS/PF

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 (%)	8.33	9.11	8.43	8.95	8.79	8.48	9.97	13.31	12.92	6.92	12.56	11.36	10.52	8.72	10.92
Return on Assets (%)	0.82	0.89	0.88	0.92	0.87	0.82	0.97	1.33	1.32	0.7	1.21	1.21	1.19	1	1.23
Return on Capital (%)	4.47	4.39	4.1	4.04	3.82	3.8	5.01	7.55	7.08	4.42	10.03	6.92	6.5	6.34	7.91
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	27.99	32.19	32.57	35.13	33.01	30.87	33.51	37.14	39.24	23.79	43.64	32.27	40.91	39.44	43.67
Profit Margin (%)	20.43	22.51	22.78	24.06	22.69	21.07	24.2	30.31	30.85	18.75	33.43	26.06	32.74	29.81	34.75
Net Income to Common Margin (%)	19.99	22.19	21.41	22.78	21.73	20.25	23.42	29.65	30.22	18.08	32.78	25.41	32.11	29.16	34.17
Effective Tax Rate (%)	27.95	30.06	30.06	31.53	31.24	31.74	27.8	18.39	21.36	21.2	23.41	19.26	19.98	24.41	20.42
Dvd Payout Ratio (%)	9.57	17.91	29.03	35.65	41.3	44.98	38.24	32.61	37.56	68.14	36.11	39.08	32.68	36.51	27.06
Sustainable Growth Rate (%)	7.53	7.48	5.99	5.76	5.16	4.66	6.16	8.97	8.07	2.2	8.03	6.92	7.08	5.53	7.97

Credit (USD)

Credit Ratios 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

Total Debt	1,805	2,162	2,281	3,086	2,889	3,068	1,903	2,053	2,663	884	597	6,534	3,409	3,019	3,720
ST Debt	- -	- -	150	- -	- -	- -	- -	- -	- -	24	23	- -	2,350	2,100	2,970
LT Debt	1,805	2,162	2,131	3,086	2,889	3,068	1,903	2,053	2,663	859	574	6,534	1,059	919	750
Total Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.71	9.64	9.87	9.64	9.3	9.22	9.65	9.93	10.08	9.48	9.43	10.9	11.22	11.2	10.95
Long-Term Debt/Equity (%)	97.8	103.27	96.45	132.84	119.7	121.42	70.43	71.12	83.02	26.56	16.69	81.1	12.18	10.07	7.9
Long-Term Debt/Capital (%)	49.44	50.8	47.46	57.05	54.48	54.84	41.32	41.56	45.36	20.86	14.22	44.78	8.75	7.56	5.68
Long-Term Debt/Total Assets (%)	9.65	10.73	10.22	13.69	11.73	11.77	7.18	7.44	8.76	2.64	1.64	9.17	1.41	1.16	0.89
Total Debt/Equity (%)	97.8	103.27	103.24	132.84	119.7	121.42	70.43	71.12	83.02	27.31	17.35	81.1	39.23	33.06	39.19
Total Debt/Capital (%)	49.44	50.8	50.8	57.05	54.48	54.84	41.32	41.56	45.36	21.45	14.79	44.78	28.17	24.85	28.16
Total Debt/Total Assets (%)	9.65	10.73	10.94	13.69	11.73	11.77	7.18	7.44	8.76	2.71	1.71	9.17	4.55	3.82	4.42
Net Debt to Equity	81.98	86.52	92.05	115.87	104.96	112.71	60.92	59.7	69.55	13.53	3.27	70.68	19.48	10.35	13.39
Net Debt/Capital (%)	45.05	46.39	47.93	53.68	51.21	52.99	37.86	37.38	39.75	11.35	3.14	41.41	16.31	9.38	11.81
EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Liquidity (USD)

Liquidity Ratios 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

Cash Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Current Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Quick Ratio	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
CFO/Avg Current Liab	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	9.71	9.64	9.87	9.64	9.3	9.22	9.65	9.93	10.08	9.48	9.43	10.9	11.22	11.2	10.95
Long-Term Debt/Equity (%)	97.8	103.27	96.45	132.84	119.7	121.42	70.43	71.12	83.02	26.56	16.69	81.1	12.18	10.07	7.9
Long-Term Debt/Capital (%)	49.44	50.8	47.46	57.05	54.48	54.84	41.32	41.56	45.36	20.86	14.22	44.78	8.75	7.56	5.68
Long-Term Debt/Total Assets (%)	9.65	10.73	10.22	13.69	11.73	11.77	7.18	7.44	8.76	2.64	1.64	9.17	1.41	1.16	0.89
Total Debt/Equity (%)	97.8	103.27	103.24	132.84	119.7	121.42	70.43	71.12	83.02	27.31	17.35	81.1	39.23	33.06	39.19
Total Debt/Capital (%)	49.44	50.8	50.8	57.05	54.48	54.84	41.32	41.56	45.36	21.45	14.79	44.78	28.17	24.85	28.16
Total Debt/Total Assets (%)	9.65	10.73	10.94	13.69	11.73	11.77	7.18	7.44	8.76	2.71	1.71	9.17	4.55	3.82	4.42
CFO/Total Liabilities	1.59	1.42	2.49	1.2	1.36	1.69	1.87	1.9	1.12	1.3	2.19	2.11	1.48	2.01	1.42
CFO/CapEx	9.29	11.69	21.2	8.09	8.38	9.77	15.59	14.24	11.82	17.88	41.51	46.45	24.28	39.18	21.35
Altman's Z-Score	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Working Capital (USD)

Working Capital Ratios 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

Accounts Receivable Turnover	2.99	3.11	3.03	2.95	2.8	3.08	3.63	3.96	3.23	2.18	2.11	2.3	1.51	- -	- -
Days Sales Outstanding	122.25	117.49	120.56	123.61	130.59	118.51	100.46	92.06	113.09	167.81	172.77	158.67	241.52	- -	- -
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

	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	292	350	247	394	356	220	257	329	258	263	462	840	1,716	2,074	2,450
+ Preferred Equity and Hybrid Capital	29	152	152	152	123	123	145	145	145	145	145	284	284	284	284
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	1,805	2,162	2,281	3,086	2,889	3,068	1,903	2,053	2,663	884	597	6,534	3,409	3,019	3,720
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Total Capital	3,651	4,255	4,490	5,408	5,303	5,595	4,605	4,939	5,871	4,118	4,035	14,590	12,099	12,153	13,212
Total Debt/Capital (%)	49.44	50.8	50.8	57.05	54.48	54.84	41.32	41.56	45.36	21.45	14.79	44.78	28.17	24.85	28.16
Total Debt / EV	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Free Cash Flow to Firm	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Sales	741	772	788	830	902	983	1,056	1,189	1,240	1,177	1,223	2,473	2,651	2,579	2,886
TTM EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Operating Income	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
TTM Cash Flow to Firm	268	257	464	243	303	398	445	469	304	381	689	1,336	979	1,404	1,058
TTM Free Cash Flow to Firm	239	235	442	213	267	357	416	436	278	359	672	1,307	938	1,368	1,009

Multiples (USD)

Valuation Multiples 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

Price/Free Cash Flow	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Low Price	- -	- -	- -	- -	- -	- -	24.8	20.25	21.13	14.5	25	18.62	14.5	18.31	18.02
EV/Sales	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
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	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Sales Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBITDA Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	- -	- -	- -	- -	25.41	21.1	25.86	26.9	25.91	18.93	18.63	18.87	19.1
High Price	- -	- -	- -	- -	- -	- -	25.55	25.64	27.25	28.17	27.42	26.06	23.1	22.54	21.1
Enterprise Value Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Per Share Data Items (USD)

Per-Share Data API ChatGPT

No data availableFinancial data will appear here once available