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Concordia Financial Group Ltd (CCRDF)
OTHER OTC:CCRDF
US Market
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Concordia Financial Group (CCRDF) Ratios

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Concordia Financial Group Ratios

CCRDF's free cash flow for Q4 2025 was ¥1.00. For the 2025 fiscal year, CCRDF's free cash flow was decreased by ¥ and operating cash flow was ¥0.35. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
0.00 0.24 0.25 0.35 0.26
Quick Ratio
0.00 0.24 0.25 0.35 0.26
Cash Ratio
0.00 0.24 0.25 0.35 0.26
Solvency Ratio
<0.01 <0.01 <0.01 0.03 <0.01
Operating Cash Flow Ratio
0.00 -0.14 -0.14 0.05 0.06
Short-Term Operating Cash Flow Coverage
0.00 -3.44 -3.44 0.00 0.00
Net Current Asset Value
¥ -23.57T¥ -18.96T¥ -18.96T¥ 3.99T¥ -17.26T
Leverage Ratios
Debt-to-Assets Ratio
0.10 0.10 0.10 0.17 0.13
Debt-to-Equity Ratio
1.92 1.97 1.97 3.70 2.75
Debt-to-Capital Ratio
0.66 0.66 0.66 0.79 0.73
Long-Term Debt-to-Capital Ratio
0.61 0.59 0.59 0.00 0.00
Financial Leverage Ratio
18.90 19.07 19.07 22.27 20.77
Debt Service Coverage Ratio
0.21 0.11 0.08 2.37 12.58
Interest Coverage Ratio
0.00 1.51 1.53 2.30 11.91
Debt to Market Cap
1.97 2.37 2.37 0.00 0.00
Interest Debt Per Share
2.22K 1.82K 1.82K 3.63K 2.64K
Net Debt to EBITDA
18.94 -15.45 -19.74 -23.02 -26.61
Profitability Margins
Gross Profit Margin
69.40%84.11%100.00%100.00%100.00%
EBIT Margin
37.80%26.82%31.89%30.18%29.67%
EBITDA Margin
37.80%30.72%28.59%35.11%34.85%
Operating Profit Margin
51.10%24.05%28.94%25.23%24.31%
Pretax Profit Margin
35.23%26.82%31.89%30.18%29.67%
Net Profit Margin
24.63%19.64%23.36%21.04%20.34%
Continuous Operations Profit Margin
24.77%19.72%23.44%21.06%20.52%
Net Income Per EBT
69.92%73.24%73.24%69.73%68.56%
EBT Per EBIT
68.95%111.54%110.20%119.60%122.03%
Return on Assets (ROA)
0.35%0.27%0.27%0.22%0.22%
Return on Equity (ROE)
6.74%5.23%5.23%4.86%4.65%
Return on Capital Employed (ROCE)
0.73%1.09%1.09%0.89%2.52%
Return on Invested Capital (ROIC)
27.90%0.55%0.75%-0.41%-0.28%
Return on Tangible Assets
0.35%0.27%0.27%0.22%0.22%
Earnings Yield
6.79%6.30%6.30%9.71%9.75%
Efficiency Ratios
Receivables Turnover
0.00 0.00 0.00 0.00 0.00
Payables Turnover
0.00 0.00 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
2.08 2.03 1.71 1.62 1.58
Asset Turnover
0.01 0.01 0.01 0.01 0.01
Working Capital Turnover Ratio
0.00 -0.03 -0.02 -0.02 -0.02
Cash Conversion Cycle
0.00 0.00 0.00 0.00 0.00
Days of Sales Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 0.00 0.00 0.00 0.00
Operating Cycle
0.00 0.00 0.00 0.00 0.00
Cash Flow Ratios
Operating Cash Flow Per Share
0.00 -1.65K -1.65K 814.86 1.03K
Free Cash Flow Per Share
0.00 -1.65K -1.58K 804.49 1.02K
CapEx Per Share
0.00 6.62 6.62 10.37 14.31
Free Cash Flow to Operating Cash Flow
0.00 1.00 0.96 0.99 0.99
Dividend Paid and CapEx Coverage Ratio
0.00 -69.45 -69.45 27.13 32.98
Capital Expenditure Coverage Ratio
0.00 -248.58 -248.58 78.57 72.25
Operating Cash Flow Coverage Ratio
0.00 -0.92 -0.92 0.23 0.39
Operating Cash Flow to Sales Ratio
0.00 -6.82 -8.11 3.62 4.71
Free Cash Flow Yield
0.00%-219.70%-210.34%164.85%222.69%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
14.74 15.87 15.87 10.30 10.25
Price-to-Sales (P/S) Ratio
3.63 3.12 3.71 2.17 2.09
Price-to-Book (P/B) Ratio
0.98 0.83 0.83 0.50 0.48
Price-to-Free Cash Flow (P/FCF) Ratio
0.00 -0.46 -0.48 0.61 0.45
Price-to-Operating Cash Flow Ratio
0.00 -0.46 -0.46 0.60 0.44
Price-to-Earnings Growth (PEG) Ratio
2.50 0.77 -752.46 1.69 0.09
Price-to-Fair Value
0.98 0.83 0.83 0.50 0.48
Enterprise Value Multiple
28.54 -5.30 -6.77 -16.85 -20.63
Enterprise Value
3.82T -554.99B -554.99B -1.58T -1.90T
EV to EBITDA
28.54 -5.30 -6.77 -16.85 -20.63
EV to Sales
10.79 -1.63 -1.94 -5.91 -7.19
EV to Free Cash Flow
0.00 0.24 0.25 -1.66 -1.55
EV to Operating Cash Flow
0.00 0.24 0.24 -1.63 -1.53
Tangible Book Value Per Share
1.14K 896.25 896.25 19.64K 951.87
Shareholders’ Equity Per Share
1.15K 905.37 905.37 975.12 960.70
Tax and Other Ratios
Effective Tax Rate
0.30 0.26 0.26 0.30 0.31
Revenue Per Share
310.03 241.24 202.91 225.22 219.64
Net Income Per Share
76.37 47.39 47.39 47.40 44.68
Tax Burden
0.70 0.73 0.73 0.70 0.69
Interest Burden
0.93 1.00 1.00 1.00 1.00
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.29 0.39 0.47 0.47 0.50
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
0.00 -34.74 -25.44 11.99 15.87
Currency in JPY
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