Amalgamated Financial Corp. cash flow to debt ratio of 144.36% indicates that the company generates enough cash to cover a substantial portion of its debt. This level indicates very strong financial health.

Amalgamated Financial Corp.'s free cash flow has increased 9.91% from $122.29M last year to $134.40M, signaling increasing performance

Amalgamated Financial Corp.'s debt to equity ratio is 0.09, which means that the company's assets are healthy financed, signaling financial stability.

Amalgamated Financial Corp.'s debt has decreased relative to shareholder equity from 0.47 last year to 0.09 today, signaling strengthened financials

Amalgamated Financial Corp. has a net debt to EBITDA ratio of 0.28x, which is below the 3.00x threshold, indicating healthy leverage and financial stability

Amalgamated Financial Corp. earns at least as much interest as it pays. Interest obligations are fully covered.

Amalgamated Financial Corp.'s profit margin has decreased (4.43%) in the last year from 24.45% to 23.36%, signaling decreasing performance

Amalgamated Financial Corp.'s short-term assets of $118.29M exceed its short-term liabilities of $9.26M

Amalgamated Financial Corp.'s return on assets of 1.21% is lower than the 5.00% threshold, indicating inefficient asset utilization

Amalgamated Financial Corp.'s return on equity of 14.12%, is lower than 15.00%, indicating bad performance

Amalgamated Financial Corp.'s operating cash flow exceeds its net income, indicating high-quality earnings backed by actual cash generation

Amalgamated Financial Corp. had positive net income in 5 out of 5 years, indicating stable and consistent earnings

Amalgamated Financial Corp. has positive free cash flow, indicating the company generates cash after capital expenditures

Amalgamated Financial Corp. has a free cash flow yield of 9.10%, which is above the 2.00% threshold, indicating strong cash generation relative to market value

Amalgamated Financial Corp.'s yearly earnings has decreased 1.87% since last year from $106.43M to $104.45M, signaling decreasing performance

Amalgamated Financial Corp.'s yearly revenue has increased 4.52% since last year from $435.34M to $455.03M, signaling increasing performance

ROIC 1.21% (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.

Amalgamated Financial Corp.'s 3-year revenue CAGR of 16.86% is positive, indicating growing revenue over the past 3 years

Amalgamated Financial Corp. had revenue growth in 4 out of 5 years, indicating consistent revenue performance

Amalgamated Financial Corp. had positive ROE in 5 out of 5 years, indicating consistent and reliable returns on equity

Amalgamated Financial Corp. is undervalued relative to its fair value price of 76.93 based on Discounted Cash Flow model

Amalgamated Financial Corp. has an earnings yield of 7.69%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

Amalgamated Financial Corp. is overvalued relative to its fair value price of 31.00 based on EBITDA multiple model

Amalgamated Financial Corp. has an EV/EBITDA ratio of 10.47x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

Amalgamated Financial Corp. is undervalued relative to its fair value price of 91.60 based on Earnings Fair Value model

Amalgamated Financial Corp. has a PEG-ratio under 1 which is considered undervalued

Amalgamated Financial Corp. has a price-to-book ratio of 1.77x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

Amalgamated Financial Corp. has a price-to-sales ratio of 3.04x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue