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Central Pacific Financial (CPF) Ratios
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Central Pacific Financial Ratios
CPF's free cash flow for Q3 2026 was $32.87M. For the 2026 fiscal year, CPF's free cash flow was increased by $2.99M and operating cash flow was $29.88M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.14 | 0.14 | 0.17 | 0.12 | 0.30 |
| Quick Ratio | 0.14 | 0.14 | 0.17 | 0.12 | 0.30 |
| Cash Ratio | 0.06 | 0.06 | 0.08 | 0.02 | 0.05 |
| Solvency Ratio | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Operating Cash Flow Ratio | 0.01 | 0.01 | 0.02 | 0.02 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.00 | 0.00 | 0.00 | 22.82 | 0.00 |
| Net Current Asset Value | $ -5.88B | $ -5.99B | $ -5.95B | $ -6.18B | $ -4.88B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.01 | 0.03 | 0.02 | 0.02 | 0.02 |
| Debt-to-Equity Ratio | 0.17 | 0.35 | 0.37 | 0.32 | 0.26 |
| Debt-to-Capital Ratio | 0.15 | 0.26 | 0.27 | 0.24 | 0.21 |
| Long-Term Debt-to-Capital Ratio | 0.11 | 0.23 | 0.24 | 0.19 | 0.16 |
| Financial Leverage Ratio | 12.50 | 13.88 | 15.17 | 16.41 | 13.29 |
| Debt Service Coverage Ratio | 1.20 | 0.66 | 0.91 | 3.72 | 11.71 |
| Interest Coverage Ratio | 1.37 | 0.72 | 1.06 | 5.78 | 13.69 |
| Debt to Market Cap | 0.09 | 0.20 | 0.29 | 0.20 | 0.13 |
| Interest Debt Per Share | 6.54 | 10.45 | 9.60 | 5.98 | 5.50 |
| Net Debt to EBITDA | -2.55 | -2.50 | -3.97 | 0.32 | -1.57 |
| Profitability Margins | |||||
| Gross Profit Margin | 76.12% | 69.45% | 72.49% | 94.39% | 102.75% |
| EBIT Margin | 27.79% | 19.98% | 24.03% | 35.65% | 40.66% |
| EBITDA Margin | 29.98% | 22.66% | 26.43% | 38.60% | 44.68% |
| Operating Profit Margin | 27.79% | 19.98% | 24.03% | 35.65% | 40.66% |
| Pretax Profit Margin | 27.13% | 19.98% | 24.03% | 35.65% | 40.66% |
| Net Profit Margin | 21.38% | 15.69% | 18.36% | 26.68% | 30.75% |
| Continuous Operations Profit Margin | 21.38% | 15.69% | 18.36% | 26.68% | 30.75% |
| Net Income Per EBT | 78.84% | 78.50% | 76.37% | 74.85% | 75.62% |
| EBT Per EBIT | 97.62% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 1.05% | 0.71% | 0.77% | 0.99% | 1.08% |
| Return on Equity (ROE) | 13.08% | 9.92% | 11.64% | 16.32% | 14.31% |
| Return on Capital Employed (ROCE) | 12.71% | 8.32% | 9.90% | 14.38% | 13.55% |
| Return on Invested Capital (ROIC) | 10.02% | 6.53% | 7.56% | 10.69% | 10.24% |
| Return on Tangible Assets | 1.05% | 0.72% | 0.77% | 1.00% | 1.08% |
| Earnings Yield | 9.27% | 6.80% | 11.03% | 13.31% | 10.13% |
| Efficiency Ratios | |||||
| Receivables Turnover | 15.38 | 14.56 | 14.86 | 13.62 | 15.55 |
| Payables Turnover | 12.24 | 10.35 | 4.64 | 3.28 | 0.00 |
| Inventory Turnover | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Fixed Asset Turnover | 2.89 | 2.52 | 2.54 | 2.19 | 2.17 |
| Asset Turnover | 0.05 | 0.05 | 0.04 | 0.04 | 0.04 |
| Working Capital Turnover Ratio | -0.06 | -0.06 | -0.06 | -0.05 | -0.06 |
| Cash Conversion Cycle | -6.08 | -10.21 | -54.10 | -84.50 | 23.47 |
| Days of Sales Outstanding | 23.73 | 25.06 | 24.56 | 26.80 | 23.47 |
| Days of Inventory Outstanding | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Days of Payables Outstanding | 29.82 | 35.27 | 78.67 | 111.30 | 0.00 |
| Operating Cycle | 23.73 | 25.06 | 24.56 | 26.80 | 23.47 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 3.63 | 3.35 | 3.89 | 4.17 | 3.95 |
| Free Cash Flow Per Share | 3.44 | 2.79 | 3.42 | 3.49 | 3.15 |
| Dividend Paid and CapEx Coverage Ratio | 2.82 | 2.09 | 2.58 | 2.43 | 2.25 |
| Capital Expenditure Coverage Ratio | 18.88 | 6.00 | 8.31 | 6.19 | 4.99 |
| Operating Cash Flow Coverage Ratio | 0.95 | 0.48 | 0.56 | 0.78 | 0.75 |
| Operating Cash Flow to Sales Ratio | 0.27 | 0.27 | 0.33 | 0.41 | 0.43 |
| Free Cash Flow Yield | 11.04% | 9.60% | 17.38% | 17.22% | 11.20% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 10.86 | 14.72 | 9.07 | 7.52 | 9.87 |
| Price-to-Sales (P/S) Ratio | 2.31 | 2.31 | 1.66 | 2.01 | 3.04 |
| Price-to-Book (P/B) Ratio | 1.41 | 1.46 | 1.06 | 1.23 | 1.41 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 9.06 | 10.42 | 5.75 | 5.81 | 8.93 |
| Price-to-Operating Cash Flow Ratio | 8.58 | 8.68 | 5.06 | 4.87 | 7.14 |
| Price-to-Earnings Growth (PEG) Ratio | 0.24 | -1.60 | -0.46 | -1.43 | 0.09 |
| Enterprise Value Multiple | 5.15 | 7.69 | 2.32 | 5.52 | 5.22 |
| Enterprise Value | 559.39M | 593.43M | 196.21M | 590.34M | 606.31M |
| EV to EBITDA | 5.15 | 7.69 | 2.32 | 5.52 | 5.22 |
| EV to Sales | 1.54 | 1.74 | 0.61 | 2.13 | 2.33 |
| EV to Free Cash Flow | 6.06 | 7.87 | 2.12 | 6.17 | 6.86 |
| EV to Operating Cash Flow | 5.74 | 6.56 | 1.87 | 5.17 | 5.49 |
| Tangible Book Value Per Share | 21.77 | 19.59 | 18.32 | 16.20 | 19.59 |
| Shareholders’ Equity Per Share | 22.09 | 19.90 | 18.64 | 16.53 | 19.93 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.21 | 0.24 | 0.25 | 0.24 |
| Revenue Per Share | 13.51 | 12.58 | 11.83 | 10.11 | 9.28 |
| Net Income Per Share | 2.89 | 1.97 | 2.17 | 2.70 | 2.85 |
| Tax Burden | 0.79 | 0.79 | 0.76 | 0.75 | 0.76 |
| Interest Burden | 0.98 | 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 | 0.28 | 0.29 | 0.28 | 0.35 | 0.37 |
| Stock-Based Compensation to Revenue | 0.01 | 0.01 | 0.01 | 0.01 | 0.01 |
| Income Quality | 1.26 | 1.69 | 1.79 | 1.54 | 1.38 |
Currency in USD
