Harleysville Financial
Financial ratios & Valuation

Historical Multiples (2015 – 2024)

2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 TTM Median
Valuation Ratios
Price/Earnings ratio
14.0212.3815.0112.5510.5111.5713.2110.786.839.039.1111.57
Price/Sales ratio
3.082.943.583.373.093.233.743.492.521.982.213.23
Price/Book Value ratio
1.081.031.231.241.121.041.191.110.950.920.931.04
Price/Cash Flow ratio
11.4012.769.8513.5710.429.5210.478.597.02N/AN/A9.52
Price/Free Cash Flow ratio
12.2014.0011.0914.5210.929.8610.638.687.28N/AN/A9.86
Price/Earnings Growth ratio
6.071.097.400.490.70-0.894.160.510.16-0.33-0.82-0.89
Dividend Yield
4.51%4.58%3.82%3.83%4.30%4.85%4.32%4.51%10.43%N/A5.58%4.30%
Profitability Indicator Ratios
Gross Profit Margin
100%100%100%100%100%100%100%100%100%100%100%100%
Operating Profit Margin
32.88%36.25%35.45%37.79%66.05%63.03%57.20%53.97%49.52%-30.89%22.14%63.03%
Pretax Profit Margin
32.88%36.25%35.45%37.79%40.54%36.78%38.37%42.34%49.52%28.15%30.04%36.78%
Net Profit Margin
22.00%23.81%23.87%26.90%29.46%27.92%28.38%32.37%36.97%21.93%23.41%27.92%
Effective Tax Rate
33.07%34.30%32.65%28.82%27.32%24.10%26.05%23.54%25.34%22.06%22.07%24.10%
Return on Assets
0.63%0.73%0.74%0.92%1.04%0.83%0.81%0.96%1.45%1.02%1.02%1.02%
Return On Equity
7.71%8.34%8.20%9.89%10.68%9.04%9.02%10.36%14.01%10.22%10.38%10.38%
Return on Capital Employed
0.99%1.13%1.12%1.32%2.37%1.92%1.68%1.63%2.07%-1.44%0.97%1.92%
Liquidity Ratios
Current Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Quick Ratio
0.556.431.591.337.2711.1322.2418.670.49N/AN/A11.13
Cash ratio
0.442.460.590.462.355.3211.009.060.20N/AN/A5.32
Days of Sales Outstanding
35.68N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
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/AN/AN/A
Days of Payables Outstanding
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Cash Conversion Cycle
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/AN/A
Debt Ratios
Debt Ratio
0.240.200.170.140.140.120.080.060.11N/AN/A0.12
Debt Equity Ratio
2.892.311.981.511.451.390.960.721.12N/AN/A1.39
Long-term Debt to Capitalization
0.700.680.640.550.570.520.420.350.34N/AN/A0.52
Total Debt to Capitalization
0.740.690.660.600.590.580.490.420.52N/AN/A0.58
Interest Coverage Ratio
N/AN/AN/AN/AN/AN/AN/AN/AN/AN/A0.88N/A
Cash Flow to Debt Ratio
0.030.030.060.060.070.070.110.170.12N/AN/A0.07
Company Equity Multiplier
12.0611.3711.0710.7010.2210.8711.0610.759.659.959.9510.87
Cash Flow Ratios
Operating Cash Flow / Sales Ratio
0.270.230.360.240.290.330.350.400.35N/AN/A0.33
Free Cash Flow / Operating Cash Flow Ratio
0.930.910.880.930.950.960.980.980.96N/AN/A0.96
Cash Flow Coverage Ratio
0.030.030.060.060.070.070.110.170.12N/AN/A0.07
Short Term Coverage Ratio
0.180.610.600.380.930.400.490.740.22N/AN/A0.40
Dividend Payout Ratio
63.25%56.75%57.43%48.18%45.25%56.16%57.18%48.74%71.31%N/AN/A56.16%