First National Financial Statistics

Total Valuation

FNLIF has a market cap or net worth of 1.77 billion.

Market Cap	1.77B
Enterprise Value	n/a

Important Dates

The next estimated earnings date is Tuesday, July 29, 2025.

Earnings Date	Jul 29, 2025
Ex-Dividend Date	May 30, 2025

Share Statistics

Current Share Class	59.97M
Shares Outstanding	n/a
Shares Change (YoY)	n/a
Shares Change (QoQ)	n/a
Owned by Insiders (%)	n/a
Owned by Institutions (%)	n/a
Float	17.11M

Valuation Ratios

The trailing PE ratio is 14.61 and the forward PE ratio is 11.61.

PE Ratio	14.61
Forward PE	11.61
PS Ratio	3.91
PB Ratio	3.56
P/TBV Ratio	4.32
P/FCF Ratio	n/a
P/OCF Ratio	n/a
PEG Ratio	n/a

Financial Ratio History

Enterprise Valuation

EV / Earnings	n/a
EV / Sales	n/a
EV / EBITDA	n/a
EV / EBIT	n/a
EV / FCF	n/a

Financial Position

The company has a current ratio of 11.84, with a Debt / Equity ratio of 71.34.

Current Ratio	11.84
Quick Ratio	11.60
Debt / Equity	71.34
Debt / EBITDA	n/a
Debt / FCF	-67.48
Interest Coverage	n/a

Financial Efficiency

Return on equity (ROE) is 24.01%.

Return on Equity (ROE)	24.01%
Return on Assets (ROA)	0.36%
Return on Invested Capital (ROIC)	n/a
Return on Capital Employed (ROCE)	n/a
Revenue Per Employee	255,512
Profits Per Employee	68,384
Employee Count	1,771
Asset Turnover	0.01
Inventory Turnover	n/a

Taxes

In the past 12 months, FNLIF has paid 44.32 million in taxes.

Income Tax	44.32M
Effective Tax Rate	26.35%

Stock Price Statistics

The stock price has increased by +2.75% in the last 52 weeks. The beta is 0.70, so FNLIF's price volatility has been lower than the market average.

Beta (5Y)	0.70
52-Week Price Change	+2.75%
50-Day Moving Average	27.83
200-Day Moving Average	28.78
Relative Strength Index (RSI)	49.07
Average Volume (20 Days)	2,888

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, FNLIF had revenue of 453.02 million and earned 121.25 million in profits. Earnings per share was 2.02.

Revenue	453.02M
Gross Profit	388.24M
Operating Income	168.21M
Pretax Income	168.21M
Net Income	121.25M
EBITDA	n/a
EBIT	n/a
Earnings Per Share (EPS)	2.02

Full Income Statement

Balance Sheet

The company has 1.98 billion in cash and 35.53 billion in debt, giving a net cash position of -33.55 billion.

Cash & Cash Equivalents	1.98B
Total Debt	35.53B
Net Cash	-33.55B
Net Cash Per Share	n/a
Equity (Book Value)	498.04M
Book Value Per Share	7.18
Working Capital	33.17B

Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -524.13 million and capital expenditures -2.37 million, giving a free cash flow of -526.51 million.

Operating Cash Flow	-524.13M
Capital Expenditures	-2.37M
Free Cash Flow	-526.51M
FCF Per Share	n/a

Full Cash Flow Statement

Margins

Gross margin is 85.70%, with operating and profit margins of 37.13% and 27.35%.

Gross Margin	85.70%
Operating Margin	37.13%
Pretax Margin	37.13%
Profit Margin	27.35%
EBITDA Margin	n/a
EBIT Margin	n/a
FCF Margin	n/a

Dividends & Yields

This stock pays an annual dividend of 2.13, which amounts to a dividend yield of 7.70%.

Dividend Per Share	2.13
Dividend Yield	7.70%
Dividend Growth (YoY)	-9.63%
Years of Dividend Growth	n/a
Payout Ratio	102.10%
Buyback Yield	n/a
Shareholder Yield	7.70%
Earnings Yield	6.85%
FCF Yield	-29.73%

Dividend Details

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Altman Z-Score	n/a
Piotroski F-Score	2