Columbia Financial
Financial ratios & Valuation

Forward Multiples (2025 – 2025)

2025
Price/Earnings ratio
54
Price/Sales ratio
8.28
Earnings per Share (EPS)
$0.27

Historical Multiples (2016 – 2023)

2016 2017 2018 2019 2020 2021 2022 2023 TTM Median
Valuation Ratios
Price/Earnings ratio
54.2257.5174.9134.3929.6423.6026.4854.8422.8729.64
Price/Sales ratio
12.4111.389.179.226.757.987.688.486.636.75
Price/Book Value ratio
4.063.751.751.911.682.012.161.901.871.68
Price/Cash Flow ratio
30.2948.6930.0915.2035.6622.0116.0548.6125.2915.20
Price/Free Cash Flow ratio
32.2959.2339.3118.0239.4723.3016.9159.8225.2918.02
Price/Earnings Growth ratio
N/A-16.10-2.880.234.840.34-3.88-0.95-4.984.84
Dividend Yield
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%180.77%N/A100%
Operating Profit Margin
64.96%58.11%51.01%34.84%30.15%46.39%49.26%23.83%N/A30.15%
Pretax Profit Margin
34.56%29.99%18.12%34.84%30.15%46.39%39.32%19.74%39.32%34.84%
Net Profit Margin
22.89%19.79%12.24%26.82%22.78%33.84%28.99%15.47%28.99%26.82%
Effective Tax Rate
33.77%34.00%32.45%23.02%24.46%27.05%26.26%21.63%26.26%23.02%
Return on Assets
0.65%0.57%0.33%0.66%0.65%0.99%0.82%0.33%0.82%0.66%
Return On Equity
7.49%6.52%2.33%5.56%5.69%8.53%8.17%3.46%8.22%5.56%
Return on Capital Employed
1.90%1.75%1.45%0.87%1.83%3.13%3.17%0.52%N/A1.83%
Liquidity Ratios
Current Ratio
N/AN/A0.000.010.13N/AN/AN/AN/A0.13
Quick Ratio
6.993.287.2412.000.470.360.308.22N/A0.47
Cash ratio
0.350.420.260.700.090.010.033.92N/A0.09
Days of Sales Outstanding
N/A34.15N/AN/AN/AN/AN/AN/A41.63N/A
Days of Inventory outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Operating Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.120.160.170.170.090.040.100.140.890.17
Debt Equity Ratio
1.431.931.221.430.790.341.061.478.871.43
Long-term Debt to Capitalization
0.530.640.510.560.440.250.510.370.510.51
Total Debt to Capitalization
0.580.650.550.580.440.250.510.59N/A0.44
Interest Coverage Ratio
N/AN/AN/AN/A1.02N/AN/AN/AN/A1.02
Cash Flow to Debt Ratio
0.090.030.040.080.050.260.120.02N/A0.05
Company Equity Multiplier
11.4511.406.888.338.708.549.8710.239.878.33
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.400.230.300.600.180.360.470.170.260.18
Free Cash Flow / Operating Cash Flow Ratio
0.930.820.760.840.900.940.940.8110.84
Cash Flow Coverage Ratio
0.090.030.040.080.050.260.120.02N/A0.05
Short Term Coverage Ratio
0.460.790.351.14N/AN/AN/A0.04N/AN/A
Dividend Payout Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A