Peoples Fin Stock Debt To Equity

PFIS Stock

USD 56.49 1.64 2.99%

Peoples Fin fundamentals help investors to digest information that contributes to Peoples Fin's financial success or failures. It also enables traders to predict the movement of Peoples Stock. The fundamental analysis module provides a way to measure Peoples Fin's intrinsic value by examining its available economic and financial indicators, including the cash flow records, the balance sheet account changes, the income statement patterns, and various microeconomic indicators and financial ratios related to Peoples Fin stock.

		Last Reported	Projected for Next Year
	Debt To Equity	0.22	0.21

Debt To Equity is likely to drop to 0.21 in 2024.

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Peoples Fin Company Debt To Equity Analysis

Peoples Fin's Debt to Equity is calculated by dividing the Total Debt of a company by its Equity. If the debt exceeds equity of a company, then the creditors have more stakes in a firm than the stockholders. In other words, Debt to Equity ratio provides analysts with insights about composition of both equity and debt, and its influence on the valuation of the company.

D/E

Total Debt

Total Equity

More About Debt To Equity | All Equity Analysis

Current Peoples Fin Debt To Equity

6.31 %

Most of Peoples Fin's fundamental indicators, such as Debt To Equity, are part of a valuation analysis module that helps investors searching for stocks that are currently trading at higher or lower prices than their real value. If the real value is higher than the market price, Peoples Fin is considered to be undervalued, and we provide a buy recommendation. Otherwise, we render a sell signal.

Peoples Debt To Equity Driver Correlations

Understanding the fundamental principles of building solid financial models for Peoples Fin is extremely important. It helps to project a fair market value of Peoples Stock properly, considering its historical fundamentals such as Debt To Equity. Since Peoples Fin's main accounts across its financial reports are all linked and dependent on each other, it is essential to analyze all possible correlations between related accounts. However, instead of reviewing all of Peoples Fin's historical financial statements, investors can examine the correlated drivers to determine its overall health. This can be effectively done using a conventional correlation matrix of Peoples Fin's interrelated accounts and indicators.

	Total Assets	Total Stockholder Equity	Net Debt	Retained Earnings	Net Receivables	Total Liab	Total Current Assets	Short Term Debt	Common Stock	Accounts Payable	Short Term Investments	Intangible Assets	Net Tangible Assets	Long Term Debt	Good Will	Long Term Debt Total	Capital Surpluse	Long Term Investments	Short Long Term Debt	Property Plant Equipment	Earning Assets	Net Invested Capital	Current Deferred Revenue	Capital Stock
Total Assets		0.94	0.25	0.98	0.97	1.0	0.23	0.14	0.56	0.61	0.79	-0.34	0.9	0.49	0.77	0.09	0.6	-0.11	0.34	0.91	0.64	-0.45	0.82	-0.61
Total Stockholder Equity	0.94		0.33	0.87	0.86	0.93	0.34	0.23	0.79	0.44	0.82	-0.06	0.94	0.6	0.93	0.33	0.79	0.16	0.46	0.89	0.47	-0.35	0.68	-0.44
Net Debt	0.25	0.33		0.21	0.25	0.25	0.25	0.95	0.41	-0.06	0.17	-0.04	0.23	0.24	0.36	0.39	0.2	0.58	0.6	0.36	-0.12	0.4	0.13	0.07
Retained Earnings	0.98	0.87	0.21		0.97	0.98	0.18	0.11	0.43	0.68	0.72	-0.47	0.86	0.43	0.66	0.0	0.53	-0.18	0.28	0.88	0.69	-0.46	0.85	-0.66
Net Receivables	0.97	0.86	0.25	0.97		0.97	0.16	0.11	0.45	0.73	0.68	-0.34	0.79	0.46	0.68	0.02	0.5	-0.17	0.18	0.84	0.63	-0.45	0.77	-0.69
Total Liab	1.0	0.93	0.25	0.98	0.97		0.22	0.14	0.56	0.61	0.79	-0.35	0.9	0.48	0.76	0.09	0.59	-0.11	0.33	0.91	0.64	-0.45	0.82	-0.61
Total Current Assets	0.23	0.34	0.25	0.18	0.16	0.22		0.28	0.42	-0.08	0.27	0.02	0.33	0.05	0.38	0.17	0.33	0.44	0.37	0.29	-0.21	-0.19	-0.05	0.11
Short Term Debt	0.14	0.23	0.95	0.11	0.11	0.14	0.28		0.38	-0.24	0.17	-0.08	0.21	0.07	0.28	0.3	0.19	0.58	0.72	0.32	-0.13	0.56	0.1	0.25
Common Stock	0.56	0.79	0.41	0.43	0.45	0.56	0.42	0.38		-0.03	0.76	0.41	0.73	0.6	0.94	0.6	0.82	0.45	0.55	0.67	0.12	0.07	0.22	0.11
Accounts Payable	0.61	0.44	-0.06	0.68	0.73	0.61	-0.08	-0.24	-0.03		0.13	-0.31	0.39	0.34	0.28	-0.21	0.23	-0.2	-0.3	0.42	0.56	-0.54	0.51	-0.8
Short Term Investments	0.79	0.82	0.17	0.72	0.68	0.79	0.27	0.17	0.76	0.13		-0.08	0.85	0.33	0.78	0.19	0.62	-0.01	0.54	0.84	0.54	-0.1	0.61	-0.11
Intangible Assets	-0.34	-0.06	-0.04	-0.47	-0.34	-0.35	0.02	-0.08	0.41	-0.31	-0.08		-0.22	0.27	0.26	0.56	0.29	0.49	-0.1	-0.32	-0.53	0.24	-0.63	0.35
Net Tangible Assets	0.9	0.94	0.23	0.86	0.79	0.9	0.33	0.21	0.73	0.39	0.85	-0.22		0.57	0.86	0.25	0.78	0.07	0.51	0.95	0.61	-0.26	0.73	-0.29
Long Term Debt	0.49	0.6	0.24	0.43	0.46	0.48	0.05	0.07	0.6	0.34	0.33	0.27	0.57		0.7	0.77	0.68	0.25	0.0	0.49	0.1	-0.2	0.13	-0.18
Good Will	0.77	0.93	0.36	0.66	0.68	0.76	0.38	0.28	0.94	0.28	0.78	0.26	0.86	0.7		0.54	0.88	0.36	0.47	0.79	0.28	-0.16	0.41	-0.2
Long Term Debt Total	0.09	0.33	0.39	0.0	0.02	0.09	0.17	0.3	0.6	-0.21	0.19	0.56	0.25	0.77	0.54		0.58	0.6	0.23	0.14	-0.41	0.11	-0.29	0.19
Capital Surpluse	0.6	0.79	0.2	0.53	0.5	0.59	0.33	0.19	0.82	0.23	0.62	0.29	0.78	0.68	0.88	0.58		0.46	0.45	0.6	0.17	-0.12	0.26	-0.15
Long Term Investments	-0.11	0.16	0.58	-0.18	-0.17	-0.11	0.44	0.58	0.45	-0.2	-0.01	0.49	0.07	0.25	0.36	0.6	0.46		0.51	-0.02	-0.52	0.29	-0.38	0.25
Short Long Term Debt	0.34	0.46	0.6	0.28	0.18	0.33	0.37	0.72	0.55	-0.3	0.54	-0.1	0.51	0.0	0.47	0.23	0.45	0.51		0.51	0.02	0.29	0.28	0.22
Property Plant Equipment	0.91	0.89	0.36	0.88	0.84	0.91	0.29	0.32	0.67	0.42	0.84	-0.32	0.95	0.49	0.79	0.14	0.6	-0.02	0.51		0.69	-0.16	0.79	-0.27
Earning Assets	0.64	0.47	-0.12	0.69	0.63	0.64	-0.21	-0.13	0.12	0.56	0.54	-0.53	0.61	0.1	0.28	-0.41	0.17	-0.52	0.02	0.69		-0.12	0.86	-0.32
Net Invested Capital	-0.45	-0.35	0.4	-0.46	-0.45	-0.45	-0.19	0.56	0.07	-0.54	-0.1	0.24	-0.26	-0.2	-0.16	0.11	-0.12	0.29	0.29	-0.16	-0.12		-0.27	0.73
Current Deferred Revenue	0.82	0.68	0.13	0.85	0.77	0.82	-0.05	0.1	0.22	0.51	0.61	-0.63	0.73	0.13	0.41	-0.29	0.26	-0.38	0.28	0.79	0.86	-0.27		-0.53
Capital Stock	-0.61	-0.44	0.07	-0.66	-0.69	-0.61	0.11	0.25	0.11	-0.8	-0.11	0.35	-0.29	-0.18	-0.2	0.19	-0.15	0.25	0.22	-0.27	-0.32	0.73	-0.53

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Peoples Debt To Equity Historical Pattern

Today, most investors in Peoples Fin Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Peoples Fin's growth ratios. Consistent increases or drops in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's debt to equity growth rates may not be enough to decide which company is a better investment. That's why investors frequently use a static breakdown of Peoples Fin debt to equity as a starting point in their analysis.

Peoples Fin Debt To Equity

Timeline

High Debt to Equity ratio typically indicates that a firm has been borrowing aggressively to finance its growth and as a result may experience a burden of additional interest expense. This may reduce earnings or future growth. On the other hand a small D/E ratio may indicate that a company is not taking enough advantage from financial leverage. Debt to Equity ratio measures how the company is leveraging borrowing against the capital invested by the owners.

Competition

Predict Peoples Fin

Debt To Equity Over Time

Peoples Total Stockholder Equity

Total Stockholder Equity

357.44 Million

At this time, Peoples Fin's Total Stockholder Equity is comparatively stable compared to the past year.

According to the company disclosure, Peoples Fin has a Debt To Equity of 6.31%. This is 80.79% lower than that of the Banks sector and significantly higher than that of the Financials industry. The debt to equity for all United States stocks is 87.04% higher than that of the company.

Peoples Debt To Equity Peer Comparison

Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses Peoples Fin's direct or indirect competition against its Debt To Equity to detect undervalued stocks with similar characteristics or determine the stocks which would be a good addition to a portfolio. Peer analysis of Peoples Fin could also be used in its relative valuation, which is a method of valuing Peoples Fin by comparing valuation metrics of similar companies.

Peoples Fin is currently under evaluation in debt to equity category among its peers.

Peoples Fin Current Valuation Drivers

We derive many important indicators used in calculating different scores of Peoples Fin from analyzing Peoples Fin's financial statements. These drivers represent accounts that assess Peoples Fin's ability to generate profits relative to its revenue, operating costs, and shareholders' equity. Below are some of Peoples Fin's important valuation drivers and their relationship over time.

	2019	2020	2021	2022	2023	2024 (projected)
Market Cap	372.4M	268.5M	379.2M	371.6M	346.2M	363.5M
Enterprise Value	526.1M	321.1M	377.4M	482.2M	379.1M	193.3M

Peoples Fin ESG Sustainability

Some studies have found that companies with high sustainability scores are getting higher valuations than competitors with lower social-engagement activities. While most ESG disclosures are voluntary and do not directly affect the long term financial condition, Peoples Fin's sustainability indicators can be used to identify proper investment strategies using environmental, social, and governance scores that are crucial to Peoples Fin's managers, analysts, and investors.

Environmental

Governance

Social

Peoples Fundamentals

	Return On Equity	0.0151
	Return On Asset	0.0013
	Profit Margin	0.06 %
	Operating Margin	0.21 %
	Current Valuation	452.59 M
	Shares Outstanding	9.99 M
	Shares Owned By Insiders	7.34 %
	Shares Owned By Institutions	29.52 %
	Number Of Shares Shorted	54.94 K
	Price To Earning	12.45 X
	Price To Book	1.11 X
	Price To Sales	5.70 X
	Revenue	163.61 M
	Gross Profit	108.04 M
	EBITDA	105 K
	Net Income	27.38 M
	Cash And Equivalents	113.01 M
	Cash Per Share	15.78 X
	Total Debt	75.59 M
	Debt To Equity	6.31 %
	Book Value Per Share	47.53 X
	Cash Flow From Operations	33.25 M
	Short Ratio	6.11 X
	Earnings Per Share	0.82 X
	Target Price	57.5
	Number Of Employees	375
	Beta	0.49
	Market Capitalization	548.21 M
	Total Asset	3.75 B
	Retained Earnings	248.55 M
	Annual Yield	0.04 %
	Five Year Return	3.18 %
	Net Asset	3.75 B
	Last Dividend Paid	1.85

About Peoples Fin Fundamental Analysis

The Macroaxis Fundamental Analysis modules help investors analyze Peoples Fin's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of Peoples Fin using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of Peoples Fin based on its fundamental data. In general, a quantitative approach, as applied to this company, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.

Please read more on our fundamental analysis page.

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Additional Tools for Peoples Stock Analysis

When running Peoples Fin's price analysis, check to measure Peoples Fin's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy Peoples Fin is operating at the current time. Most of Peoples Fin's value examination focuses on studying past and present price action to predict the probability of Peoples Fin's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move Peoples Fin's price. Additionally, you may evaluate how the addition of Peoples Fin to your portfolios can decrease your overall portfolio volatility.

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