showing the working

← Tandy Leather Factory

The business behind the dividend

MeasureTLFMedianFormula
Return on equity17.3%10.6%Net income ÷ shareholders’ equity
Return on capital employedOperating income ÷ (equity + total debt)
Owner earnings$2.46m$120.90mNet income + depreciation & amortisation − capital expenditure
Free cash flow$-8.09m$155.08mOperating cash flow − capital expenditure
Operating margin-1.3%14.3%Operating income ÷ revenue
Net margin11.9%10.1%Net income ÷ revenue
Debt to equityTotal debt ÷ shareholders’ equity
Interest coverOperating income ÷ interest expense
Current ratio5.16x1.55xCurrent assets ÷ current liabilities
Long-term debt to working capitalLong-term debt ÷ (current assets − current liabilities)
Cash conversion-0.06x1.66xOperating cash flow ÷ net income
Accruals11.1%-3.1%(Net income − operating cash flow) ÷ total assets

Not computed here: Debt to equity, Long-term debt to working capital, Interest cover, Return on capital employed — 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 equity17.3%1.4%6.7%2.4%2.6%-9.4%-3.4%7.5%4.4%12.2%2.6%
Return on capital employed2.7%4.4%-12.1%-4.6%8.9%10.1%17.2%4.4%
Operating margin-1.3%0.8%5.8%1.7%2.8%-9.9%-3.5%7.2%7.7%12.4%1.7%
Net margin11.9%1.1%4.9%1.5%1.6%-7.6%-2.5%5.3%3.0%7.7%1.6%
Debt to equity0.00x0.01x0.01x0.00x0.15x0.13x0.14x0.01x
Current ratio5.16x5.11x5.74x5.33x4.13x3.95x4.29x7.41x6.51x6.47x5.16x
Cash conversion-0.06x5.50x1.20x0.94x2.74x1.77x0.99x1.21x1.21x