Amalgamated Financial Corp.
Financial ratios & Valuation

Forward Multiples (2025 – 2026)

20252026
Price/Earnings ratio
8.647.38
Price/Sales ratio
2.742.42
Earnings per Share (EPS)
$3.28$3.84

Historical Multiples (2014 – 2023)

2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
-35.7021.55797.4468.9213.2613.079.269.858.719.359.8713.07
Price/Sales ratio
3.843.3853.132.813.323.152.002.572.662.992.613.15
Price/Book Value ratio
N/AN/A24.691.221.341.250.790.921.391.401.481.34
Price/Cash Flow ratio
N/AN/A1.00K17.5819.097.396.507.394.817.029.419.41
Price/Free Cash Flow ratio
N/AN/A-2.01K19.0720.017.466.667.654.877.119.539.53
Price/Earnings Growth ratio
N/A-0.08-8.190.060.019.61-13.790.660.151.02-14.029.61
Dividend Yield
N/AN/AN/A0.09%0.32%1.34%2.33%1.91%1.57%1.49%1.36%0.32%
Profitability Indicator Ratios
Gross Profit Margin
73.05%80.62%85.29%100%100%100%100%100%100%100%100%100%
Operating Profit Margin
-17.71%5.02%10.33%25.07%36.24%32.76%29.05%34.91%47.58%N/A29.09%32.76%
Pretax Profit Margin
-17.71%5.02%6.74%13.19%28.26%32.76%29.05%34.91%40.58%45.42%37.39%28.26%
Net Profit Margin
-10.77%15.69%6.66%4.08%25.07%24.10%21.66%26.13%30.57%32.04%26.48%25.07%
Effective Tax Rate
39.17%-212.53%1.28%69.02%11.25%26.44%25.43%25.15%24.67%29.46%29.17%11.25%
Return on Assets
N/AN/A0.26%0.15%0.95%0.88%0.77%0.74%1.03%1.10%1.24%0.95%
Return On Equity
N/AN/A3.09%1.77%10.16%9.62%8.62%9.39%16.01%15.03%16.43%10.16%
Return on Capital Employed
N/AN/A0.90%2.49%4.81%3.48%4.97%5.46%6.85%N/A1.36%3.48%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
N/AN/A0.070.471.030.430.380.530.34N/AN/A0.43
Cash ratio
N/AN/A0.060.040.020.030.000.050.01N/AN/A0.03
Days of Sales Outstanding
N/AN/AN/AN/A29.49N/AN/AN/AN/AN/A4.25K29.49
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A4.25KN/A
Days of Payables Outstanding
N/AN/A45.77N/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/A-45.77N/AN/AN/AN/AN/AN/AN/A4.25KN/A
Debt Ratios
Debt Ratio
N/AN/A0.150.090.01N/AN/A0.010.080.000.00N/A
Debt Equity Ratio
N/AN/A1.871.170.21N/AN/A0.141.290.120.09N/A
Long-term Debt to Capitalization
N/AN/A0.650.530.17N/AN/A0.120.560.100.08N/A
Total Debt to Capitalization
N/AN/A0.650.530.17N/AN/A0.120.560.100.08N/A
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/A5.91N/AN/AN/A1.23N/A
Cash Flow to Debt Ratio
N/AN/A0.010.050.33N/AN/A0.840.221.661.600.33
Company Equity Multiplier
N/AN/A11.8511.7410.6610.8511.1612.5515.4113.6212.0510.66
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
N/AN/A0.050.160.170.420.300.340.550.420.270.17
Free Cash Flow / Operating Cash Flow Ratio
N/AN/A-0.490.920.950.990.970.960.980.980.980.95
Cash Flow Coverage Ratio
N/AN/A0.010.050.33N/AN/A0.840.221.661.600.33
Short Term Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Dividend Payout Ratio
N/AN/AN/A6.45%4.31%17.58%21.62%18.84%13.75%14.01%13.00%4.31%