NYSE
BBT
Last Price
US $32.07
Valuation
Financial
Performance
Financial risk - Cash flow debt coverage.
Beacon Financial Corp. cash flow to debt ratio of 0.00% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.
Financial risk - Healthy cash flow growth.
Beacon Financial Corp.'s free cash flow has decreased -100.00% from $99.97M last year to $0.00, signaling decreasing performance
Financial stability - Healthy debt to equity ratio.
Beacon Financial Corp.'s debt to equity ratio is 0.39, which means that the company's assets are healthy financed, signaling financial stability. READ MORE: A ratio under 0.60 means the company finances its assets with own equity, signaling financial stability and good management.
Financial stability - Healthy debt to equity ratio development.
Beacon Financial Corp.'s debt has decreased relative to shareholder equity from 1.28 last year to 0.39 today, signaling strengthened financials
Financial stability - Net debt/EBITDA.
Beacon Financial Corp. has a net debt to EBITDA ratio of 0.00x, which is below the 3.00x threshold, indicating healthy leverage and financial stability
Financial stability - ICR.
Beacon Financial Corp. earns at least as much interest as it pays. Interest obligations are fully covered.
Financial stability - Profit margin growth.
Beacon Financial Corp.'s profit margin has increased (4.51%) in the last year from 9.48% to 9.91%, signaling increasing performance
Financial risk - Short term assets vs short term liabilities.
Beacon Financial Corp.'s short-term liabilities of $20.06G exceed its short-term assets of $3.73G, signaling financial risk
Decreasing performance - ROA.
Beacon Financial Corp.'s return on assets of 0.51% is lower than the 5.00% threshold, indicating inefficient asset utilization
Decreasing performance - Absolute return on equity.
Beacon Financial Corp.'s return on equity of 4.57%, is lower than 15.00%, indicating bad performance
Decreasing performance - Earnings quality.
Beacon Financial Corp.'s operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation
Increasing performance - Earnings stability.
Beacon Financial Corp. had positive net income in 5.00 out of 5 years, indicating stable and consistent earnings
Increasing performance - Free cash flow.
Beacon Financial Corp. has positive free cash flow, indicating the company generates cash after capital expenditures
Decreasing performance - FCF yield.
Beacon Financial Corp. has a free cash flow yield of 0.00%, which is below the 2.00% threshold, indicating limited cash return relative to market value
Increasing performance - Healthy earnings growth.
Beacon Financial Corp.'s yearly earnings has increased 47.98% since last year from $61.00M to $90.27M, signaling increasing performance
Increasing performance - Healthy revenue growth.
Beacon Financial Corp.'s yearly revenue has increased 34.65% since last year from $654.50M to $881.26M, signaling increasing performance
Decreasing performance - ROIC.
ROIC 0.51% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.
Increasing performance - 3-year revenue CAGR.
Beacon Financial Corp.'s 3-year revenue CAGR of 20.10% is positive, indicating growing revenue over the past 3 years
Increasing performance - Revenue consistency.
Beacon Financial Corp. had revenue growth in 4.00 out of 5 years, indicating consistent revenue performance
Increasing performance - ROE consistency.
Beacon Financial Corp. had positive ROE in 5.00 out of 5 years, indicating consistent and reliable returns on equity
Overvalued - DCF valuation.
Beacon Financial Corp. has insufficient data to evaluate this check.
Undervalued - Earnings yield.
Beacon Financial Corp. has an earnings yield of 4.23%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings
Overvalued - EBITDA valuation.
Beacon Financial Corp. is overvalued relative to its fair value price of 0.00 based on EBITDA multiple model
Undervalued - EV/EBITDA.
Beacon Financial Corp. has an EV/EBITDA ratio of 11.66x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings
Overvalued - PEG ratio value.
Beacon Financial Corp. has a PEG-ratio over 1 which is considered overvalued
Undervalued - P/B ratio.
Beacon Financial Corp. has a price-to-book ratio of 1.06x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value
Undervalued - P/S ratio.
Beacon Financial Corp. has a price-to-sales ratio of 2.34x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue
Profit margin
Current Ratio
Capital Returns
4.57%
Return on equity
ROIC: 0.51%
Valuation History
23.9X
Price to Earnings
EV/EBITDA: 19.7X
Cash flow
Profit margin
-
(FY vs FY)
Cash flow Y/Y
0.00%
(FY vs FY)
Fair Value
Market $32.07
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