Webster Financial Corporation Financial Ratios — WBS-PG

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 (%)	18.41	18.34	16.2	16.56	15.56	14.51	16.36	20.58	19.26	10.28	18.17	24.89	28.37	21.35	23.93
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 (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	100	100	100	100	100	100	100	100	100	100	100	100	100	100	100
EBITDA Margin (%)	11.22	5.12	4.57	3.68	3.84	3.71	3.52	3.26	3.61	3.67	3.39	3.31	2.89	2.77	2.54
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 (%)	16.65	15.05	11.49	10.66	9.13	7.98	10.1	13.87	12.03	3.27	11.61	15.16	19.1	13.56	17.46

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
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	21.71	54.73	63.32	100.89	83.32	84.18	51.19	52.98	59.41	20.46	14.38	79.87	44.57	42.21	50.72
Net Debt/EBITDA	18.2	45.85	56.46	88	73.07	78.14	44.28	44.47	49.77	10.14	2.71	69.61	22.13	13.21	17.32
Total Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Net Debt/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA-CapEx/Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBIT to Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Interest Expense	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Common Equity/Total Assets	4.63	4.97	5.19	5.34	5.34	5.47	6.03	6.63	6.79	6.38	6.69	3.81	4.38	4.76	5.33
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 (%)	66.85	65.22	60.64	69.49	66.75	66.45	52.21	50.98	54.68	27.65	18.66	68.53	15.18	13.01	8.84
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 (%)	66.85	65.22	64.91	69.49	66.75	66.45	52.21	50.98	54.68	28.44	19.4	68.53	48.86	42.74	43.85
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 (%)	62.83	61.11	62.25	66.52	63.77	64.77	48.59	46.61	48.37	15.39	4.3	65.49	32.18	18.94	21.06
EBITDA	83	40	36	31	35	36	37	39	45	43	42	82	76	72	73
EBITDA-CapEx	54	18	14	1	-1	-4	9	6	19	22	25	53	36	36	24
Operating Income (Loss)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

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
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	4.63	4.97	5.19	5.34	5.34	5.47	6.03	6.63	6.79	6.38	6.69	3.81	4.38	4.76	5.33
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 (%)	66.85	65.22	60.64	69.49	66.75	66.45	52.21	50.98	54.68	27.65	18.66	68.53	15.18	13.01	8.84
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 (%)	66.85	65.22	64.91	69.49	66.75	66.45	52.21	50.98	54.68	28.44	19.4	68.53	48.86	42.74	43.85
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	0.11	0.11	0.11	0.11	0.11	0.12	0.13	0.14	0.14	0.13	0.13	0.09	0.1	0.1	0.11

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
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	2.73	- -
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	133.77	- -
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

	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	-1,333	-1,173	-922	49	-328	-20	-847	-1,030	-375	-2,561	-3,955	-1,915	-6,983	-7,778	1,542
Total Capital	2,700	3,315	3,514	4,441	4,329	4,617	3,645	4,027	4,871	3,107	3,076	9,533	6,977	7,064	8,484
Total Debt/Capital (%)	66.85	65.22	64.91	69.49	66.75	66.45	52.21	50.98	54.68	28.44	19.4	68.53	48.86	42.74	43.85
Total Debt / EV	-1.35	-1.84	-2.47	62.71	-8.81	-152.79	-2.25	-1.99	-7.09	-0.34	-0.15	-3.41	-0.49	-0.39	2.41
EV/Sales	- -	- -	- -	0.06	- -	- -	- -	- -	- -	- -	- -	- -	0.73	0.47	0.53
EV/EBITDA	- -	- -	- -	1.61	- -	- -	- -	- -	- -	- -	- -	- -	25.02	17.09	21.03
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	0.2	- -	- -	- -	- -	- -	- -	- -	- -	1.98	0.87	1.46
EV/Free Cash Flow to Firm	- -	- -	- -	0.18	- -	- -	- -	- -	- -	- -	- -	- -	1.9	0.85	1.39
Diluted Market Cap	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted Enterprise Value	1,542	1,963	2,185	2,843	2,657	2,971	1,791	1,868	2,550	765	280	5,978	1,977	1,229	1,555
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	83	40	36	31	35	36	37	39	45	43	42	82	76	72	73
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	297	279	486	273	339	439	474	502	330	402	705	1,365	1,019	1,440	1,108

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
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	-1,333	-1,173	-922	49	-328	-20	-847	-1,030	-375	-2,561	-3,955	-1,915	-6,983	-7,778	1,542
Low Price	- -	- -	20.89	21.65	24.57	23.43	25.06	23.32	24.82	10.11	25.26	22.07	17	21.49	21.26
EV/Sales	- -	- -	- -	0.06	- -	- -	- -	- -	- -	- -	- -	- -	0.73	0.47	0.53
EV/EBITDA	- -	- -	- -	1.61	- -	- -	- -	- -	- -	- -	- -	- -	25.02	17.09	21.03
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	2.08	2.54	2.77	3.42	2.94	3.02	1.7	1.57	2.06	0.65	0.23	2.42	0.75	0.48	0.54
EV/Sales High	2.08	2.54	2.77	3.42	2.94	3.02	1.7	1.57	2.06	0.65	0.23	2.42	0.75	0.48	0.54
EV/Sales Low	2.08	2.54	2.77	3.42	2.94	3.02	1.7	1.57	2.06	0.65	0.23	2.42	0.75	0.48	0.54
EV/EBITDA Average	18.55	49.69	60.67	92.96	76.61	81.51	48.19	48.22	56.9	17.73	6.75	73.08	25.85	17.18	21.2
EV/EBITDA High	18.55	49.69	60.67	92.96	76.61	81.51	48.19	48.22	56.9	17.73	6.75	73.08	25.85	17.18	21.2
EV/EBITDA Low	18.55	49.69	60.67	92.96	76.61	81.51	48.19	48.22	56.9	17.73	6.75	73.08	25.85	17.18	21.2
EV/EBIT Average	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT High	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT Low	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Last Price	- -	- -	21.92	24.66	25.99	25.12	26.32	24.9	26.65	26.4	26.08	24.15	22.58	22.27	23.58
High Price	- -	- -	25.8	25.32	26.4	27.62	26.74	26.95	29	27.75	27.2	26.48	25.69	25.26	25.25
Enterprise Value Average	1,542	1,963	2,185	2,843	2,657	2,971	1,791	1,868	2,550	765	280	5,978	1,977	1,229	1,555
Enterprise Value High	1,542	1,963	2,185	2,843	2,657	2,971	1,791	1,868	2,550	765	280	5,978	1,977	1,229	1,555
Enterprise Value Low	1,542	1,963	2,185	2,843	2,657	2,971	1,791	1,868	2,550	765	280	5,978	1,977	1,229	1,555

Shares Outstanding	87	85	90	90	92	92	92	92	92	90	91	174	172	171	161
Diluted Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic Weighted Avg Shares	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Revenue per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EBITDA per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Operating Income per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Basic EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS, GAAP	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Diluted EPS from Cont Ops	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Free Cash Flow per Basic Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash & Equivalents per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Tangible Book Value per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Webster Financial Corporation

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