vvincii we show the working

← BRC Group Holdings

The business behind the dividend

MeasureRILYMedianFormula
Return on equityNet income ÷ shareholders’ equity
Return on capital employedOperating income ÷ (equity + total debt)
Owner earnings$-726.82m$632.00mNet income + depreciation & amortisation − capital expenditure
Free cash flow$255.60m$746.10mOperating cash flow − capital expenditure
Operating margin-50.5%15.0%Operating income ÷ revenue
Net margin-77.5%10.2%Net income ÷ revenue
Debt to equityTotal debt ÷ shareholders’ equity
Interest coverOperating income ÷ interest expense
Current ratioCurrent assets ÷ current liabilities
Long-term debt to working capitalLong-term debt ÷ (current assets − current liabilities)
Cash conversionOperating cash flow ÷ net income

Not computed here: Cash conversion, Current ratio, Debt to equity, Interest cover, Return on capital employed, Return on equity — why a blank is not a zero.

Ten years of it

The same measures, for every year the filings support. One year is a fact; a row is a business.

Measure2025202420232022202120202019201820172016Median
Return on equity-34.3%-35.8%67.3%40.0%22.6%6.3%4.3%14.4%14.4%
Return on capital employed6.0%4.9%1.4%22.7%50.2%41.8%17.5%10.8%17.5%
Operating margin9.6%-50.5%8.6%3.6%43.6%41.5%36.3%11.8%9.0%25.6%9.6%
Net margin39.0%-77.5%-9.0%-19.4%37.7%30.8%17.8%4.2%3.6%11.3%4.2%
Debt to equity5.73x3.86x2.43x0.07x0.11x0.01x0.01x0.11x
Current ratio1.89x1.89x

How it compares in financial services

Among the 25 financial services companies here measured on free cash flow, BRC Group Holdings pays out less than 17 of them. The median for that group is 19.5%, against this company’s 13.2%.

Closest on free cash flow

Same sector and same denominator, so the figures are comparable. All 31 in financial services →