Combined Ratio (Quarterly)

Combined Ratio: A measure of profitability used by an insurance company to indicate how well it is performing in its daily operations. The combined ratio is calculated by taking the sum of incurred losses and expenses and then dividing them by earned premium. Calculated as: Total Operating Expenses / Net Premiums Earned

Natural Grocers by Vitamin Cottage, Inc. (NGVC) Combined Ratio data is not available.

Quarterly Annual

Figures for fiscal quarter ending 2025-03-31

Income Statement Financials
Revenue	$335.77M
Net Income	$13.10M
Cost of Goods Sold	$234.02M
Gross Profit	$101.75M
Operating Expenses	$318.22M
Operating Income	$17.55M
Non-Operating Income/Expense	$-0.75M
Pre-Tax Income	$16.80M
Normalized Pre-Tax Income	$16.80M
Income after Taxes	$13.10M
Income from Continuous Operations	$13.10M
Consolidated Net Income/Loss	$13.10M
Normalized Income after Taxes	$13.10M
EBIT	$17.55M
EBITDA	$25.44M
Weighted-Average Shares Outstanding (Basic)	22.94M
Weighted-Average Shares Outstanding (Diluted)	23.27M
Earnings per Share (EPS) (Basic)	$0.57
Earnings per Share (EPS) (Diluted)	$0.56
Balance Sheet Financials
Current Assets	$163.25M
Property, Plant, and Equipment	$180.85M
Long-Term Assets	$501.34M
Total Assets	$664.59M
Current Liabilities	$167.72M
Long-Term Debt	$41.16M
Long-Term Liabilities	$303.89M
Total Liabilities	$471.62M
Common Equity	$192.97M
Tangible Shareholders Equity	$180.33M
Shareholders Equity	$192.97M
Common Shares Outstanding	22.95M
Cash Flow Statement Financials
Cash Flow from Operating Activities	$36.74M
Cash Flow from Investing Activities	$-15.88M
Cash Flow from Financial Activities	$-8.53M
Beginning Cash	$8.87M
End Cash	$21.21M
Increase/Decrease in Cash	$12.34M
Stock-Based Compensation	$2.26M
Common Stock Dividends Paid	$-5.50M
Preferred Stock Dividends Paid	--
Fundamental Metrics & Ratios
Current Ratio	0.97
Non-Performing Assets / Total Loans	--
Loan Loss Reserves / Non-Performing Loans	--
Debt to Capital Ratio	0.18
Debt to Equity Ratio	0.23
Gross Margin	30.30%
Operating Margin	5.23%
EBIT Margin	5.23%
EBITDA Margin	--
Pre-Tax Profit Margin	5.00%
Profit Margin	3.90%
Free Cash Flow	$20.75M
Loss Ratio	--
Expense Ratio	--
Combined Ratio	--
Asset Turnover	0.51
Inventory Turnover	1.88
Receiveable Turnover	26.97
Days Sales in Receivables	3.34
Return on Equity	6.79%
Return on Tangible Equity	7.27%
Return on Assets	1.97%
Return on Investments	5.60%
Book Value Per Share	$8.41
Free Cash Flow per Share	$0.89
Operating Cash Flow per Share	$1.58

Data from Zacks Investment Research, Inc.