| Company Name: | Delta Financial Corporation | | Ticker Symbol: | DFC | | | WWW Address: | www.deltafinancial.com | | CEO: | Hugh Miller | | No. of Employees: | 1,395 | | Common Issue Type: | CS | | Business Description: | The Company is a specialty consumer finance company that originates, securitizes and sells non-conforming mortgage loans.
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| | | Industry Information: | REAL ESTATE - Mortgage Investment [more like this] |
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| Price | Day Change | Bid | Ask | Open | High | Low | Volume | | 30.06 |  0.0 | - | - | 0 | 0.06 | 0.03 | - |
| Market Cap (mil) | Shares Outstanding (mil) | Beta | EPS | DPS | P/E | Yield | 52-Wks-Range |
| 709.4 | 23.6 | 3.85 | 1.28 | 0.20 | 0.0 | 500.0 | 13.60 - 0.03 |
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| KEY FIGURES (Latest Twelve Months - LTM) | | Yesterday's Close | 0.04 | $ | | PE Ratio - LTM | 0.0 | |
| Market Capitalisation | 0.9 | mil |
| Latest Shares Outstanding | 23.6 | mil |
| Earnings pS (EPS) | 1.28 | $ |
| Dividend pS (DPS) | 0.20 | ¢ |
| Dividend Yield | 500.0 | % |
| Dividend Payout Ratio | 16 | % |
| Revenue per Employee | 367,098 | $ |
| Effective Tax Rate | 38.9 | % |
| Float | 16.5 | mil |
| Float as % of Shares Outstanding | 70.0 | % |
| Foreign Sales | - | |
| Domestic Sales | - | |
| Selling, General & Adm/tive (SG&A) as % of Revenue | - | |
| Research & Devlopment (R&D) as % of Revenue | - | |
| Gross Profit Margin | - | |
| EBITDA Margin | 67.8 | % |
| Pre-Tax Profit Margin | -7.5 | % |
| Assets Turnover | 0.1 | % |
| Return on Assets (ROA) | -0.4 | % |
| Return on Equity (ROE) | 0.0 | % |
| Return on Capital Invested (ROCI) | -0.4 | % |
| Current Ratio | - | |
| Leverage Ratio (Assets/Equity) | 62.7 | |
| Interest Cover | 0.9 | |
| Total Debt/Equity (Gearing Ratio) | 60.64 | |
| LT Debt/Total Capital | 98.0 | % |
| Working Capital pS | - | |
| Cash pS | - | |
| Book-Value pS | 4.88 | $ |
| Tangible Book-Value pS | 4.88 | $ |
| Cash Flow pS | -1.10 | $ |
| Free Cash Flow pS | 1.60 | $ |
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| KEY FIGURES (LTM): Price info |
| Price/Book Ratio | 0.01 | |
| Price/Tangible Book Ratio | 0.01 | |
| Price/Cash Flow | 0.0 | |
| Price/Free Cash Flow | 0.0 | |
| P/E as % of Industry Group | 0.0 | % |
| P/E as % of Sector Segment | 0.0 | % |
| | | Balance Sheet (at a glance) in Millions |
| | | | | | DIVIDEND INFO | | Type of Payment | Cash Payment |
| Dividend Rate | 0.20 |
| Current Dividend Yield | 500.0 |
| 5-Y Average Dividend Yield | 1.1 |
| Payout Ratio | 16.0 |
| 5-Y Average Payout Ratio | 0.0 |
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|  | | Share price performance previous 3 years |
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 | | | Share price performance intraday |
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| PRICE/VOLUME | High | Low | Close | % Price Chg | % Price Chg vs. Mkt. | Avg. Daily Vol | Total Vol |
| 1 Week | - | - | - | -42.9 | 57 | 15,038 | 49,351 |
| 4 Weeks | 1.85 | 0.03 | 1.84 | -97.8 | 2 | 20,841 | 375,130 |
| 13 Weeks | 5.54 | 0.03 | 4.91 | -99.2 | 1 | 7,907 | 490,241 |
| 26 Weeks | 12.45 | 0.03 | 12.27 | -99.7 | 0 | 6,162 | 770,281 |
| 52 Weeks | 13.60 | 0.03 | 10.13 | -99.6 | 0 | 4,179 | 1,040,518 |
| YTD | 13.60 | 0.03 | - | -99.6 | 0 | 4,179 | 1,040,518 |
| Moving Average | 5-Days | 10-Days | 10-Weeks | 30-Weeks | 200-Days | Beta (60-Mnth) | Beta (36-Mnth) |
| 0.06 | 0.07 | 2.56 | 6.44 | 7.19 | 3.85 | 3.28 |
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| GROWTH RATES | 5-Year
Growh | R² of 5-Year Growth | 3-Year
Growth |
| Revenue | 50.76 | 90.3 | 70.56 |
| Income | 0.00 | 0.0 | 0.00 |
| Dividend | 0.00 | 0.0 | 33.13 |
| Capital Spending | 0.00 | NA | 33.99 |
| R&D | 0.00 | NA | 0.00 |
| Normalized Inc. | 0.00 | NA | 0.00 |
| | | CHANGES | YTD vs.
Last YTD | Curr Qtr vs.
Qtr 1-Yr ago | Annual vs.
Last Annual |
| Revenue % | 11.8 | -20.5 | 53.9 |
| Earnings % | -100.0 | -100.0 | 65.8 |
| EPS % | -100.0 | -100.0 | 52.4 |
| EPS $ | -2.41 | -2.03 | 0.44 |
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| SOLVENCY RATIOS | | SHORT-TERM SOLVENCY RATIOS (LIQUIDITY) |
| Free Cash Flow Margin | 1.31 |
| Free Cash Flow Margin 5YEAR AVG | 16.85 |
| Cash-Flow pS | 0.72 |
| Free Cash-Flow pS | 0.29 |
| FINANCIAL STRUCTURE RATIOS |
| Financial Leverage Ratio (Assets/Equity) | 44.05 |
| Debt Ratio | 97.73 |
| Total Debt/Equity (Gearing Ratio) | 42.53 |
| LT Debt/Equity | 42.52 |
| LT Debt/Capital Invested | 97.70 |
| LT Debt/Total Liabilities | 98.76 |
| | | | VALUATION RATIOS | | MULTIPLES |
| PQ Ratio | - |
| Tobin's Q Ratio | 0.00 |
| Current P/E Ratio - LTM | 0.00 |
| Enterprise Value (EV)/EBITDA | -0.00 |
| Enterprise Value (EV)/Free Cash Flow | 3.64 |
| Dividend Yield | 500.0 |
| Price/Tangible Book Ratio - LTM | 0.01 |
| Price/Book Ratio - LTM | 0.01 |
| Price/Cash Flow Ratio | 0.0 |
| Price/Free Cash Flow Ratio - LTM | 0.0 |
| P/E Ratio (1 month ago) - LTM | 0.0 |
| P/E Ratio (26 weeks ago) - LTM | 10.5 |
| P/E Ratio (52 weeks ago) - LTM | 8.4 |
| 5-Y High P/E Ratio | 0.0 |
| 5-Y Low P/E Ratio | 0.0 |
| 5-Y Average P/E Ratio | 0.0 |
| Current P/E Ratio as % of 5-Y Average P/E | 0 |
| P/E as % of Industry Group | 0.0 |
| P/E as % of Sector Segment | 0.0 |
| Current 12 Month Normalized P/E Ratio - LTM | 0.0 |
| PER SHARE FIGURES |
| Tangible Book Value pS - LTM | 4.88 |
| Book Value pS - LTM | 4.88 |
| Capital Invested pS | 275.68 |
| Cash Flow pS - LTM | -1.10 |
| Free Cash Flow pS - LTM | 1.60 |
| Earnings pS (EPS) | 1.28 |
| | | | OPERATING RATIOS | | PROFITABILITY |
| Return on Equity (ROE) | 19.90 |
| Return on Equity (ROE) - 5YEAR AVRG. | 28.0 |
| Return on Capital Invested (ROCI) | 0.46 |
| Return on Capital Invested (ROCI) - 5YEAR AVRG. | 0.9 |
| Return on Assets (ROA) | 0.45 |
| Return on Assets (ROA) - 5YEAR AVRG. | 0.9 |
| EBIT Margin - LTM | 67.8 |
| EBITDA Margin - LTM | 67.8 |
| Pre-Tax Profit Margin | 9.51 |
| Pre-Tax Profit Margin - 5YEAR AVRG. | 12.51 |
| Net Profit Margin | 5.81 |
| Net Profit Margin - 5YEAR AVRG. | 16.99 |
| Effective Tax Rate | 38.88 |
| Effective Tax Rate - 5YEAR AVRG. | 8.47 |
| EFFICIENCY RATIOS |
| Revenue per Employee - LTM | 398,365 |
| Net Income per Employee - LTM | -18,634 |
| Assets/Revenue - LTM | 1,000.00 |
| Assets/Revenue - 5YEAR AVRG. | 1,033.38 |
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