Personal Credit Institutions: average industry financial ratios for U.S. listed companies

Industry: 6141 - Personal Credit Institutions     Measure of center:

Financial ratio Year
2020 2019 2018 2017 2016 2015
Solvency Ratios
Debt ratio 0.79 0.81 0.77 0.77 0.76 0.82
Debt-to-equity ratio 4.40 4.27 3.07 3.38 3.15 4.52
Interest coverage ratio 2.25 2.13 2.07 2.48 2.03 3.04
Liquidity Ratios
Current Ratio 0.61 0.30 0.16 0.11 0.17 0.58
Quick Ratio - - - - 6398.30 39.15
Cash Ratio 0.57 0.26 0.14 0.11 0.17 0.58
Profitability Ratios
Profit margin 14.2% 20.8% 10.2% 11% 9% 10.2%
ROE (Return on equity), after tax 14% 10.1% 7.1% 11.6% 7.6% 11.6%
ROA (Return on assets) 2.1% 2.5% 2.1% 2.5% 1.1% 1.6%
Gross margin 64.3% 69.5% 69.6% 60.6% 63.3% 67%
Operating margin (Return on sales) 29.9% 50.2% 35.1% 27.6% 25.4% 28.8%
Activity Ratios
Asset turnover (days) 1766 1902 1578 1854 1874 2229
Receivables turnover (days) - - 1 3 584 334
Inventory turnover (days) - - - - - -
Price Ratios
Dividend Payout Ratio 0.16 0.23 0.18 0.05 0.08 0.40

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