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Crystal Valley Financial Corporation (CYVF)
OTHER OTC:CYVF
US Market
CYVF
Crystal Valley Financial
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Crystal Valley Financial (CYVF) Ratios

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Crystal Valley Financial Ratios

CYVF's free cash flow for Q1 2026 was $0.73. For the 2026 fiscal year, CYVF's free cash flow was decreased by $ and operating cash flow was $0.31. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 3.93 1.39 0.02 0.02 0.03
Quick Ratio
 3.93 1.39 0.02 0.02 0.03
Cash Ratio
 3.06 0.98 0.02 0.02 0.02
Solvency Ratio
 0.02 0.01 0.02 0.02 0.02
Operating Cash Flow Ratio
 0.00 1.62 0.02 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.00 1.62 0.00 0.00 0.00
Net Current Asset Value
$ -724.80M$ -705.62M$ -691.09M$ -690.48M$ -649.55M
Leverage Ratios
Debt-to-Assets Ratio
 0.09 0.07 0.08 0.10 0.04
Debt-to-Equity Ratio
 0.79 0.60 0.77 1.06 0.39
Debt-to-Capital Ratio
 0.44 0.37 0.43 0.51 0.28
Long-Term Debt-to-Capital Ratio
 0.43 0.33 0.43 0.51 0.28
Financial Leverage Ratio
 8.58 8.73 9.74 10.45 11.00
Debt Service Coverage Ratio
 0.67 0.45 0.82 1.14 4.11
Interest Coverage Ratio
 1.02 0.91 0.93 1.30 4.60
Debt to Market Cap
 0.76 0.58 0.75 0.97 0.32
Interest Debt Per Share
 71.36 54.38 59.01 65.57 20.53
Net Debt to EBITDA
 4.84 3.72 3.68 5.42 0.81
Profitability Margins
Gross Profit Margin
67.90%66.70%69.87%77.19%91.95%
EBIT Margin
26.35%24.75%27.96%29.76%37.08%
EBITDA Margin
26.35%24.75%29.03%30.85%38.36%
Operating Profit Margin
26.35%24.75%27.89%29.76%37.08%
Pretax Profit Margin
26.35%24.75%27.96%29.76%37.08%
Net Profit Margin
22.05%20.83%23.53%24.84%31.80%
Continuous Operations Profit Margin
22.05%20.83%23.53%24.84%31.80%
Net Income Per EBT
83.68%84.15%84.16%83.48%85.76%
EBT Per EBIT
100.00%100.00%100.25%100.00%100.00%
Return on Assets (ROA)
1.35%1.29%1.41%1.30%1.50%
Return on Equity (ROE)
12.06%11.23%13.74%13.62%16.49%
Return on Capital Employed (ROCE)
1.62%1.55%8.03%6.93%11.67%
Return on Invested Capital (ROIC)
1.35%1.28%6.76%5.78%10.00%
Return on Tangible Assets
1.35%1.29%1.41%1.30%1.50%
Earnings Yield
11.24%10.99%13.43%12.51%13.48%
Efficiency Ratios
Receivables Turnover
 16.43 15.81 15.58 13.55 12.33
Payables Turnover
 25.16 22.79 20.25 12.83 10.23
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 6.00 5.65 9.23 7.59 6.55
Asset Turnover
 0.06 0.06 0.06 0.05 0.05
Working Capital Turnover Ratio
 5.06 -0.17 -0.08 -0.07 -0.06
Cash Conversion Cycle
 7.71 7.06 5.39 -1.50 -6.08
Days of Sales Outstanding
 22.21 23.08 23.42 26.95 29.60
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 14.51 16.02 18.03 28.45 35.68
Operating Cycle
 22.21 23.08 23.42 26.95 29.60
Cash Flow Ratios
Operating Cash Flow Per Share
 0.00 12.15 9.54 8.64 7.33
Free Cash Flow Per Share
 0.00 9.24 9.35 8.24 7.33
CapEx Per Share
 0.00 2.91 0.19 0.40 <0.01
Free Cash Flow to Operating Cash Flow
 0.00 0.76 0.98 0.95 1.00
Dividend Paid and CapEx Coverage Ratio
 0.00 2.39 4.87 4.08 4.43
Capital Expenditure Coverage Ratio
 0.00 4.17 50.56 21.44 2.56M
Operating Cash Flow Coverage Ratio
 0.00 0.28 0.20 0.15 0.40
Operating Cash Flow to Sales Ratio
 0.00 0.31 0.26 0.28 0.30
Free Cash Flow Yield
0.00%12.36%14.62%13.62%12.53%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 8.91 9.09 7.45 8.00 7.42
Price-to-Sales (P/S) Ratio
 1.97 1.90 1.75 1.99 2.36
Price-to-Book (P/B) Ratio
 1.03 1.02 1.02 1.09 1.22
Price-to-Free Cash Flow (P/FCF) Ratio
 0.00 8.09 6.84 7.34 7.98
Price-to-Operating Cash Flow Ratio
 0.00 6.15 6.71 7.00 7.98
Price-to-Earnings Growth (PEG) Ratio
 6.58 -2.06 0.55 -2.03 -3.15
Price-to-Fair Value
 1.03 1.02 1.02 1.09 1.22
Enterprise Value Multiple
 12.32 11.38 9.72 11.86 6.97
Enterprise Value
 166.71M 141.31M 133.12M 149.38M 92.49M
EV to EBITDA
 12.32 11.38 9.72 11.86 6.97
EV to Sales
 3.25 2.82 2.82 3.66 2.67
EV to Free Cash Flow
 0.00 12.02 11.02 13.52 9.03
EV to Operating Cash Flow
 0.00 9.14 10.80 12.89 9.03
Tangible Book Value Per Share
 77.49 73.13 62.52 55.54 47.81
Shareholders’ Equity Per Share
 77.49 73.13 62.52 55.54 47.81
Tax and Other Ratios
Effective Tax Rate
 0.16 0.16 0.16 0.17 0.14
Revenue Per Share
 40.80 39.44 36.52 30.46 24.79
Net Income Per Share
 9.00 8.22 8.59 7.57 7.88
Tax Burden
 0.84 0.84 0.84 0.83 0.86
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
 0.17 0.02 0.03 <0.01 <0.01
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 0.00 1.48 1.11 1.14 0.93
Currency in USD