AMAL - Amalgamated Financial Corp.
Price:
--
--
|
CONSENSUS:
Buy
DETAILS
|
PRICE TARGET:
$44.00
DETAILS
HIGH:
$44.00
LOW:
$44.00
MEDIAN:
$44.00
CONSENSUS:
$44.00
UPSIDE:
6.56%
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | ||||||||||||
| Revenue | 455.0 | 435.3 | 382.5 | 285.2 | 208.8 | 223.7 | 215.2 | 192.3 | 167.3 | 158.5 | 124.4 | 109.5 |
| Cost of Revenue | 135.2 | 129.2 | 111.4 | 33.7 | 5.9 | 35.3 | 23.2 | 14.0 | 24.4 | 23.3 | 24.1 | 29.5 |
| Gross Profit | 319.8 | 306.2 | 271.0 | 251.5 | 202.8 | 188.4 | 192.0 | 178.1 | 142.8 | 135.2 | 100.3 | 80 |
| Operating Expenses | ||||||||||||
| R&D Expenses | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| SG&A Expenses | 122.2 | 101.2 | 94.0 | 81.7 | 75.6 | 76.1 | 84.1 | 86.0 | 76.5 | 105.5 | 118.2 | 128.9 |
| Other Expenses | 57.5 | 59.4 | 52.3 | 61.7 | 56.5 | 50.4 | 43.8 | 42.0 | 46.6 | (32.1) | 24.1 | 29.5 |
| Operating Expenses | 179.6 | 160.6 | 146.3 | 143.3 | 132.1 | 126.5 | 127.8 | 128.0 | 123.1 | 105.5 | 142.3 | 158.4 |
| Operating Income | ||||||||||||
| Operating Income | 140.1 | 145.3 | 124.7 | 108.2 | 70.7 | 61.9 | 64.2 | 50.3 | 19.7 | 16.4 | 6.2 | (19.4) |
| Interest Expense | 124.4 | 118.9 | 96.8 | 18.6 | 6.2 | 10.5 | 19.3 | 14.2 | 17.8 | 23.3 | 24.1 | 29.5 |
| Interest Income | 422.2 | 401.3 | 358.1 | 258.5 | 180.5 | 190.5 | 186.0 | 164.0 | 139.1 | 0 | 0 | 0 |
| Profitability | ||||||||||||
| EBITDA | 145.0 | 151.0 | 131.1 | 118.5 | 75.6 | 69.5 | 70.2 | 55.5 | 24.7 | 15.0 | 30.4 | 10.1 |
| EBIT | 140.2 | 145.6 | 124.7 | 108.2 | 70.7 | 61.9 | 64.2 | 50.3 | 19.7 | 10.7 | 6.2 | (19.4) |
| Income Before Tax | 140.2 | 145.6 | 124.7 | 108.2 | 70.7 | 61.9 | 64.2 | 50.3 | 19.7 | 10.7 | 6.2 | (19.4) |
| Income Tax Expense | 35.7 | 39.2 | 36.8 | 26.7 | 17.8 | 15.8 | 17.0 | 5.7 | 13.6 | 0.1 | (13.3) | (7.6) |
| Net Income | 104.4 | 106.4 | 88.0 | 81.5 | 52.9 | 46.2 | 47.2 | 44.7 | 6.1 | 10.6 | 19.5 | (11.8) |
| Per Share Data | ||||||||||||
| EPS (Basic) | 3.45 | 3.48 | 2.88 | 2.64 | 1.70 | 1.48 | 1.49 | 1.47 | 0.19 | 0.35 | 0.61 | -0.37 |
| EPS (Diluted) | 3.41 | 3.44 | 2.86 | 2.61 | 1.68 | 1.48 | 1.47 | 1.46 | 0.19 | 0.35 | 0.61 | -0.37 |
| Shares Outstanding | 29.9 | 30.6 | 30.6 | 30.8 | 31.1 | 31.1 | 31.7 | 30.4 | 31.8 | 30.1 | 31.8 | 31.8 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Current Assets | ||||||||||
| Cash & Cash Equivalents | 4.5 | 60.7 | 90.2 | 63.5 | 330.5 | 38.8 | 122.5 | 80.8 | 116.5 | 140.6 |
| Short-Term Investments | 48.7 | 1,629.1 | 1,483.0 | 1,812.5 | 2,113.4 | 1,539.9 | 1,224.8 | 1,175.2 | 943.4 | 0 |
| Net Receivables | 65.1 | 61.2 | 55.5 | 41.4 | 28.8 | 24.0 | 19.1 | 14.4 | 11.2 | 0 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 159.5 |
| Total Current Assets | 118.3 | 1,751.0 | 1,629.1 | 1,917.5 | 2,472.7 | 1,602.6 | 1,366.4 | 1,270.4 | 1,071.0 | 159.5 |
| Non-Current Assets | ||||||||||
| Property, Plant & Equipment | 14.3 | 20.6 | 28.9 | 38.1 | 44.9 | 49.1 | 65.1 | 21.7 | 22.4 | 25.5 |
| Goodwill | 12.9 | 12.9 | 12.9 | 12.9 | 12.9 | 12.9 | 12.9 | 12.9 | 0 | 0 |
| Intangible Assets | 0.9 | 1.5 | 2.2 | 3.1 | 4.2 | 5.4 | 6.7 | 8.1 | 0 | 0 |
| Long-Term Investments | 8,537.0 | 6,245.1 | 6,057.3 | 5,618.5 | 4,130.1 | 3,964.7 | 3,733.8 | 3,214.7 | 2,789.5 | 163.6 |
| Other Non-Current Assets | 155.6 | 183.3 | 185.3 | 190.5 | 386.4 | 307.9 | 109.0 | 118.0 | 118.9 | 90.5 |
| Total Non-Current Assets | 8,751.5 | 6,505.9 | 6,343.2 | 5,925.7 | 4,605.2 | 4,376.0 | 3,958.9 | 3,415.1 | 2,970.2 | 3,883.0 |
| Total Assets | 8,869.8 | 8,256.9 | 7,972.3 | 7,843.1 | 7,077.9 | 5,978.6 | 5,325.3 | 4,685.5 | 4,041.2 | 4,042.5 |
| Current Liabilities | ||||||||||
| Account Payables | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.9 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 9.3 | 7,180.6 | 7,012.0 | 6,595.0 | 6,356.3 | 5,338.7 | 4,641.0 | 4,105.3 | 3,233.1 | 2,227.3 |
| Total Current Liabilities | 9.3 | 7,180.6 | 7,012.0 | 6,595.0 | 6,356.3 | 5,338.7 | 4,641.0 | 4,105.3 | 3,233.1 | 2,230.3 |
| Non-Current Liabilities | ||||||||||
| Long-Term Debt | 81.8 | 314.4 | 304.9 | 657.7 | 83.8 | 0 | 75 | 92.9 | 402.6 | 430.6 |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 7,993.6 | 34.5 | 39.4 | 40.6 | 25.8 | 50.9 | 56.4 | 47.9 | 61.4 | 0 |
| Total Non-Current Liabilities | 8,075.4 | 368.6 | 375.0 | 739.1 | 157.7 | 104.1 | 193.8 | 140.8 | 464.0 | 3,701.4 |
| Total Liabilities | 8,075.4 | 7,549.2 | 7,387.0 | 7,334.2 | 6,514.0 | 5,442.8 | 4,834.8 | 4,246.1 | 3,697.1 | 3,701.4 |
| Stockholders' Equity | ||||||||||
| Common Stock | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 0.3 | 14.0 |
| Retained Earnings | 567.3 | 480.1 | 388.0 | 330.3 | 260.0 | 217.2 | 181.1 | 142.2 | 99.5 | 93.1 |
| Accumulated Other Comprehensive Income | (32.1) | (58.6) | (86.0) | (108.7) | 5.4 | 17.2 | 3.2 | (12.0) | (6.3) | (2.9) |
| Total Stockholders' Equity | 794.5 | 707.7 | 585.2 | 508.8 | 563.7 | 535.7 | 490.4 | 439.2 | 343.9 | 341.0 |
| Total Liabilities & Equity | 8,869.8 | 8,256.9 | 7,972.3 | 7,843.1 | 7,077.9 | 5,978.6 | 5,325.3 | 4,685.5 | 4,041.2 | 4,042.5 |
| Debt Metrics | ||||||||||
| Total Debt | 94.1 | 334.1 | 335.6 | 698.5 | 132.0 | 53.2 | 137.4 | 92.9 | 402.6 | 638.9 |
| Net Debt | 89.6 | 273.4 | 245.0 | 634.9 | (198.5) | 14.4 | 14.9 | 12.0 | 286.1 | 498.2 |
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Operating Activities | ||||||||||
| Net Income | 104.4 | 106.4 | 88.0 | 81.5 | 52.9 | 46.2 | 47.2 | 44.7 | 6.1 | 10.6 |
| Depreciation & Amortization | 6.8 | 5.4 | 6.4 | 10.3 | 4.8 | 7.6 | 6.0 | 5.2 | 5.0 | 4.3 |
| Stock-Based Compensation | 6.9 | 5.5 | 4.7 | 2.7 | 1.8 | 2.4 | 2.4 | 0.9 | 0 | 0 |
| Change in Working Capital | (6.6) | (26.9) | (4.4) | (1.2) | (10.6) | 0.5 | 24.3 | (28.2) | (13.9) | (9.6) |
| Other Non-Cash Items | 22.5 | 28.4 | 18.3 | 39.7 | 14.5 | 9.5 | (1.6) | 3.8 | 13.6 | 5.6 |
| Operating Cash Flow | 135.8 | 124.1 | 117.2 | 147.3 | 70.5 | 65.8 | 83.5 | 31.0 | 23.9 | 8.4 |
| Investing Activities | ||||||||||
| Capital Expenditure | (1.4) | (1.8) | (1.5) | (1.7) | (2.4) | (1.6) | (0.8) | (1.4) | (1.9) | (12.5) |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 31.7 | 0 | (0.9) |
| Purchases of Investments | (1,122.9) | (916.7) | (381.0) | (1,263.8) | (1,699.1) | (970.8) | (770.9) | (597.3) | (419.9) | (430.4) |
| Sales/Maturities of Investments | 1,033.6 | 909.2 | 562.1 | 714.9 | 739.3 | 426.0 | 459.8 | 382.9 | 652.7 | 358.6 |
| Other Investing Activities | (287.3) | (306.7) | (314.0) | (651.9) | 96.8 | (208.7) | (234.1) | (74.2) | (266.0) | (249.7) |
| Investing Cash Flow | (378.0) | (315.9) | (134.4) | (1,202.5) | (865.4) | (755.1) | (545.9) | (258.3) | (35.1) | (335.0) |
| Financing Activities | ||||||||||
| Net Debt Issuance | (244.9) | 10.4 | (351.7) | 574.4 | 83.8 | (75) | (17.9) | (309.7) | (201.6) | (53.1) |
| Stock Repurchased | (35.2) | (1.3) | (8.3) | (12.5) | (2.9) | (7.0) | (5.8) | (7.0) | 0 | (2.1) |
| Dividends Paid | (17.2) | (14.2) | (12.3) | (11.2) | (10.0) | (10.0) | (8.3) | (1.9) | (0.4) | 0 |
| Other Financing Activities | 768.6 | 167.2 | 416.5 | 237.5 | 1,015.7 | 697.6 | 536.1 | 517.3 | 189.0 | 276.0 |
| Financing Cash Flow | 472.7 | 162.1 | 44.2 | 788.2 | 1,086.6 | 605.6 | 504.1 | 191.7 | (13.0) | 220.8 |
| Cash Position | ||||||||||
| Net Change in Cash | 230.5 | (29.8) | 27.0 | (266.9) | 291.7 | (83.8) | 41.7 | (35.6) | (24.2) | (105.9) |
| Cash at Beginning | 60.7 | 90.6 | 63.5 | 330.5 | 38.8 | 122.5 | 80.8 | 116.5 | 140.6 | 246.5 |
| Cash at End | 291.2 | 60.7 | 90.6 | 63.5 | 330.5 | 38.8 | 122.5 | 80.8 | 116.5 | 140.6 |
| Free Cash Flow | 134.4 | 122.3 | 115.7 | 145.7 | 68.1 | 64.2 | 82.7 | 29.6 | 22.1 | (4.2) |
| Key Metrics | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||||||
| Revenue | 455.0 | 435.3 | 382.5 | 285.2 | 208.8 | 223.7 | 215.2 | 192.3 | 167.3 | 158.5 | 124.4 | 109.5 |
| Gross Profit | 319.8 | 306.2 | 271.0 | 251.5 | 202.8 | 188.4 | 192.0 | 178.1 | 142.8 | 135.2 | 100.3 | 80 |
| Operating Income | 140.1 | 145.3 | 124.7 | 108.2 | 70.7 | 61.9 | 64.2 | 50.3 | 19.7 | 16.4 | 6.2 | (19.4) |
| Net Income | 104.4 | 106.4 | 88.0 | 81.5 | 52.9 | 46.2 | 47.2 | 44.7 | 6.1 | 10.6 | 19.5 | (11.8) |
| EPS (Diluted) | 3.41 | 3.44 | 2.86 | 2.61 | 1.68 | 1.48 | 1.47 | 1.46 | 0.19 | 0.35 | 0.61 | -0.37 |
| Balance Sheet | ||||||||||||
| Cash & Equivalents | 4.5 | 60.7 | 90.2 | 63.5 | 330.5 | 38.8 | 122.5 | 80.8 | 116.5 | 140.6 | ||
| Total Assets | 8,869.8 | 8,256.9 | 7,972.3 | 7,843.1 | 7,077.9 | 5,978.6 | 5,325.3 | 4,685.5 | 4,041.2 | 4,042.5 | ||
| Total Debt | 94.1 | 334.1 | 335.6 | 698.5 | 132.0 | 53.2 | 137.4 | 92.9 | 402.6 | 638.9 | ||
| Stockholders' Equity | 794.5 | 707.7 | 585.2 | 508.8 | 563.7 | 535.7 | 490.4 | 439.2 | 343.9 | 341.0 | ||
| Cash Flow | ||||||||||||
| Operating Cash Flow | 135.8 | 124.1 | 117.2 | 147.3 | 70.5 | 65.8 | 83.5 | 31.0 | 23.9 | 8.4 | ||
| Capital Expenditure | (1.4) | (1.8) | (1.5) | (1.7) | (2.4) | (1.6) | (0.8) | (1.4) | (1.9) | (12.5) | ||
| Free Cash Flow | 134.4 | 122.3 | 115.7 | 145.7 | 68.1 | 64.2 | 82.7 | 29.6 | 22.1 | (4.2) | ||