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STOCKS

Crystal Valley Financial Corporation (CYVF)

OTHER OTC:CYVF

CYVF

Crystal Valley Financial

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Crystal Valley Financial (CYVF) Ratios

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12 Followers

Crystal Valley Financial Ratios

CYVF's free cash flow for Q2 2025 was $0.72. For the 2025 fiscal year, CYVF's free cash flow was decreased by $ and operating cash flow was $0.29. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	1.39	0.02	0.02	0.03	0.08
Quick Ratio	1.39	0.02	0.02	0.03	0.08
Cash Ratio	0.98	0.02	0.02	0.02	0.07
Solvency Ratio	0.01	0.02	0.02	0.02	0.02
Operating Cash Flow Ratio	0.00	0.02	0.02	0.02	0.01
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	0.00	0.00
Net Current Asset Value	$ -705.62M	$ -691.09M	$ -690.48M	$ -649.55M	$ -623.00M
Leverage Ratios
Debt-to-Assets Ratio	0.07	0.08	0.10	0.04	0.05
Debt-to-Equity Ratio	0.60	0.77	1.06	0.39	0.45
Debt-to-Capital Ratio	0.37	0.43	0.51	0.28	0.31
Long-Term Debt-to-Capital Ratio	0.33	0.43	0.51	0.28	0.31
Financial Leverage Ratio	8.73	9.74	10.45	11.00	8.43
Debt Service Coverage Ratio	0.45	0.82	1.14	4.11	4.96
Interest Coverage Ratio	0.91	0.93	1.30	4.60	5.56
Debt to Market Cap	0.57	0.75	0.97	0.32	0.43
Interest Debt Per Share	54.54	59.01	65.57	20.53	29.90
Net Debt to EBITDA	3.72	3.68	5.42	0.81	-0.23
Profitability Margins
Gross Profit Margin	66.70%	69.87%	77.19%	91.95%	93.08%
EBIT Margin	24.75%	27.96%	29.76%	37.08%	38.48%
EBITDA Margin	24.75%	29.03%	30.85%	38.36%	39.97%
Operating Profit Margin	24.75%	27.89%	29.76%	37.08%	38.48%
Pretax Profit Margin	24.75%	27.96%	29.76%	37.08%	38.48%
Net Profit Margin	20.83%	23.53%	24.84%	31.80%	32.88%
Continuous Operations Profit Margin	20.83%	23.53%	24.84%	31.80%	32.88%
Net Income Per EBT	84.15%	84.16%	83.48%	85.76%	85.45%
EBT Per EBIT	100.00%	100.25%	100.00%	100.00%	100.00%
Return on Assets (ROA)	1.29%	1.41%	1.30%	1.50%	1.53%
Return on Equity (ROE)	11.81%	13.74%	13.62%	16.49%	12.93%
Return on Capital Employed (ROCE)	1.55%	8.03%	6.93%	11.67%	9.36%
Return on Invested Capital (ROIC)	1.28%	6.76%	5.78%	10.00%	8.00%
Return on Tangible Assets	1.29%	1.41%	1.30%	1.50%	1.53%
Earnings Yield	10.67%	13.43%	12.51%	13.48%	12.37%
Efficiency Ratios
Receivables Turnover	15.81	15.58	13.55	12.33	13.91
Payables Turnover	22.79	20.25	12.83	10.23	14.78
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	5.65	9.23	7.59	6.55	6.17
Asset Turnover	0.06	0.06	0.05	0.05	0.05
Working Capital Turnover Ratio	-0.16	-0.08	-0.07	-0.06	-0.07
Cash Conversion Cycle	7.06	5.39	-1.50	-6.08	1.54
Days of Sales Outstanding	23.08	23.42	26.95	29.60	26.25
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	16.02	18.03	28.45	35.68	24.70
Operating Cycle	23.08	23.42	26.95	29.60	26.25
Cash Flow Ratios
Operating Cash Flow Per Share	0.00	9.54	8.64	7.33	5.26
Free Cash Flow Per Share	0.00	9.35	8.24	7.33	4.79
CapEx Per Share	0.00	0.19	0.40	<0.01	0.48
Free Cash Flow to Operating Cash Flow	0.00	0.98	0.95	1.00	0.91
Dividend Paid and CapEx Coverage Ratio	0.00	4.87	4.08	4.43	2.67
Capital Expenditure Coverage Ratio	0.00	50.56	21.44	2.56M	10.99
Operating Cash Flow Coverage Ratio	0.00	0.20	0.15	0.40	0.19
Operating Cash Flow to Sales Ratio	0.00	0.26	0.28	0.30	0.21
Free Cash Flow Yield	0.00%	14.62%	13.62%	12.53%	7.33%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	9.37	7.45	8.00	7.42	8.08
Price-to-Sales (P/S) Ratio	1.95	1.75	1.99	2.36	2.66
Price-to-Book (P/B) Ratio	1.05	1.02	1.09	1.22	1.05
Price-to-Free Cash Flow (P/FCF) Ratio	0.00	6.84	7.34	7.98	13.64
Price-to-Operating Cash Flow Ratio	0.00	6.71	7.00	7.98	12.40
Price-to-Earnings Growth (PEG) Ratio	-0.81	0.55	-2.03	-3.15	1.15
Price-to-Fair Value	1.05	1.02	1.09	1.22	1.05
Enterprise Value Multiple	11.58	9.72	11.86	6.97	6.42
Enterprise Value	143.89M	133.12M	149.38M	92.49M	90.93M
EV to EBITDA	11.58	9.72	11.86	6.97	6.42
EV to Sales	2.87	2.82	3.66	2.67	2.57
EV to Free Cash Flow	0.00	11.02	13.52	9.03	13.17
EV to Operating Cash Flow	0.00	10.80	12.89	9.03	11.97
Tangible Book Value Per Share	73.36	62.52	55.54	47.81	62.43
Shareholders’ Equity Per Share	73.36	62.52	55.54	47.81	62.43
Tax and Other Ratios
Effective Tax Rate	0.16	0.16	0.17	0.14	0.15
Revenue Per Share	39.56	36.52	30.46	24.79	24.55
Net Income Per Share	8.24	8.59	7.57	7.88	8.07
Tax Burden	0.84	0.84	0.83	0.86	0.85
Interest Burden	1.00	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	<0.01	<0.01	<0.01	<0.01	<0.01
Stock-Based Compensation to Revenue	0.00	0.00	0.00	0.00	0.00
Income Quality	0.00	1.11	1.14	0.93	0.65

Currency in USD