$516 M

FISI Mkt cap, 20-Sep-2018

$89.8 M

Financial Institutions Revenue Q2, 2018
Financial Institutions Gross profit (Q2, 2018)77.2 M
Financial Institutions Gross profit margin (Q2, 2018), %86%
Financial Institutions Net income (Q2, 2018)21.5 M
Financial Institutions EBIT (Q2, 2018)56.7 M
Financial Institutions Cash, 30-Jun-201889.1 M
Financial Institutions EV899.7 M

Financial Institutions Income Statement

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Revenue

98.9 m101.1 m105.5 m115.2 m

Revenue growth, %

2%4%9%

Cost of goods sold

10.1 m12.5 m17.5 m

Gross profit

95.3 m102.7 m

Gross profit Margin, %

90%89%

Sales and marketing expense

45.2 m

General and administrative expense

14.5 m16.3 m

Operating expense total

59.7 m90.5 m

Depreciation and amortization

1.2 m

EBIT

87.9 m93.1 m99.3 m

EBIT margin, %

83%81%

Pre tax profit

38.9 m44.1 m43.5 m

Income tax expense

10.5 m12.2 m9.9 m

Net Income

25.5 m29.4 m28.3 m31.9 m33.5 m

Quarterly

USDQ3, 2013Q1, 2014Q2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018Q2, 2018

Revenue

32.4 m34 m36.9 m37.2 m37.9 m38.4 m40.7 m44.4 m89.8 m

Cost of goods sold

2.6 m2.9 m2.9 m3 m3.3 m3.5 m4 m5.8 m12.6 m

Gross profit

29.9 m31.1 m33.9 m34.1 m34.6 m34.8 m36.8 m38.6 m77.2 m

Gross profit Margin, %

92%92%92%92%91%91%90%87%86%

Sales and marketing expense

10.6 m10.3 m11.6 m10.8 m11.3 m11.4 m12 m

General and administrative expense

3.4 m3.4 m3.6 m3.7 m3.6 m4 m4.2 m4.4 m8.6 m

Operating expense total

19.2 m19.3 m21.2 m22.1 m20.6 m20.9 m23.9 m24.1 m47.6 m

Depreciation and amortization

288 k593 k

EBIT

22.1 m23.4 m22.4 m23.2 m24.1 m24.2 m23.6 m26.7 m56.7 m

EBIT margin, %

68%69%61%63%64%63%58%60%63%

Pre tax profit

9.3 m11.1 m10.4 m10 m12 m11.1 m9 m11.6 m26.7 m

Income tax expense

2.8 m2.7 m2.7 m2.9 m3.5 m3.2 m2.7 m2.3 m5.2 m

Net Income

6.2 m7.2 m7 m7.2 m6.8 m6.6 m8.3 m7.6 m7.2 m8.5 m7.9 m6.2 m9.3 m21.5 m

Financial Institutions Balance Sheet

Annual

USDFY, 2015FY, 2016FY, 2017

Cash

60.1 m71.3 m99.2 m

Accounts Receivable

Inventories

2.3 b2.7 b

PP&E

39.4 m42.4 m45.2 m

Total Assets

3.4 b3.7 b4.1 b

Accounts Payable

3 b3.2 b

Short-term debt

293.1 m331.5 m446.2 m

Long-term debt

Total Debt

331.5 m446.2 m

Total Liabilities

3.4 b3.7 b

Additional Paid-in Capital

72.7 m81.8 m121.1 m

Retained Earnings

218.9 m237.7 m257.1 m

Total Equity

293.8 m320.1 m381.2 m

Debt to Equity Ratio

1 x

Debt to Assets Ratio

0.1 x

Financial Leverage

11.5 x11.6 x10.8 x

Quarterly

USDQ2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018Q2, 2018

Cash

52.6 m51.3 m110.9 m67.6 m110.7 m149.7 m84.5 m122.9 m89.1 m

Inventories

2 b2 b2.1 b2.2 b2.3 b2.4 b2.5 b2.8 b2.9 b

PP&E

37.1 m38 m40.8 m40.6 m40.2 m46.5 m46.3 m44.3 m43.7 m

Total Assets

3.4 b3.4 b3.5 b3.6 b3.7 b3.9 b3.9 b4.2 b4.2 b

Accounts Payable

2.7 b2.8 b3 b2.9 b3.1 b3.2 b3.1 b3.4 b3.3 b

Short-term debt

350.6 m241.4 m179.2 m338.3 m230.2 m303.3 m347.5 m327.6 m472.8 m

Total Debt

350.6 m241.4 m179.2 m338.3 m230.2 m303.3 m347.5 m327.6 m472.8 m

Total Liabilities

3.1 b3.1 b3.2 b3.3 b3.4 b3.5 b3.5 b3.8 b3.8 b

Additional Paid-in Capital

72.3 m72.4 m81 m81.3 m81.5 m81.9 m98.9 m121.8 m122.1 m

Retained Earnings

210.3 m215.5 m223.3 m227.2 m232.4 m242.5 m245.2 m262.2 m270.2 m

Total Equity

284.4 m295.4 m314 m322.2 m326.3 m325.7 m347.6 m380.3 m386.9 m

Financial Leverage

11.8 x11.4 x11.2 x11.1 x11.3 x11.9 x11.2 x10.9 x10.8 x

Financial Institutions Cash Flow

Annual

USDFY, 2013FY, 2014FY, 2015FY, 2016FY, 2017

Net Income

25.5 m29.4 m28.3 m31.9 m33.5 m

Depreciation and Amortization

8.6 m9.2 m6.2 m

Accounts Receivable

Inventories

Accounts Payable

Cash From Operating Activities

43.1 m46.7 m46.3 m

Cash From Investing Activities

(305.9 m)(326.7 m)(372.6 m)

Cash From Financing Activities

264.8 m291.1 m354.3 m

Quarterly

USDQ2, 2014Q3, 2014Q1, 2015Q2, 2015Q3, 2015Q1, 2016Q2, 2016Q3, 2016Q1, 2017Q2, 2017Q1, 2018Q2, 2018

Net Income

7 m7.2 m6.8 m7 m8.3 m7.6 m7.2 m8.5 m7.9 m6.2 m9.3 m21.5 m

Depreciation and Amortization

4.2 m6.4 m2.2 m4.5 m6.8 m2.3 m4.7 m2.3 m4.6 m

Cash From Operating Activities

22.3 m35.2 m17 m22.8 m37.4 m7.3 m22.6 m17.1 m30.3 m

Cash From Investing Activities

(282.1 m)(281.2 m)(79 m)(182.3 m)(247.9 m)(71.8 m)(172.7 m)(40.7 m)(111.1 m)

Cash From Financing Activities

254.2 m239.2 m112.8 m167 m261.1 m142.9 m163.4 m47.3 m70.7 m

Interest Paid

3.2 m5.6 m2.1 m5.5 m8.1 m2.6 m6.5 m6.5 m13.2 m

Income Taxes Paid

1.5 m4.3 m500 k3.2 m4.5 m5.8 m1.6 m1.9 m

Financial Institutions Ratios

USDY, 2018

EV/EBIT

15.9 x

EV/CFO

29.7 x

Financial Leverage

10.8 x
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Financial Institutions Operating Metrics

Financial Institutions's Total Loans was reported to be $2.5b in Q2, 2017.
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