Central Pacific Financial Corp New (CPF) Key Ratios
$37.97
As on 03-Sep-2026 15:43EDT
Market cap
$966 Mln
Revenue (TTM)
$315 Mln
P/E Ratio
11.9
P/B Ratio
1.6
Div. Yield
3.1 %
Key Ratios and Highlights
| Growth Score (%) | Quarterly | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | QoQ | YoY | 1-Year | 3-Years | 5-Years |
| Revenue | -51.98 | -53.26 | -9.13 | 1.23 | 4.47 |
| EBIT | -102.67 | -103.01 | 4.62 | -3.57 | 1.94 |
| Net Profit | 0.47 | 13.96 | 36.77 | 7.10 | 8.20 |
| EPS | 1.06 | 17.78 | 39.55 | 7.92 | 9.59 |
| Book Value | -- | -- | 11.57 | 10.02 | 2.63 |
| Key Ratios (%) | Average | Annual (TTM) | |||
|---|---|---|---|---|---|
| Particulars | 3-Years | 5-Years | TTM | Dec-25 | Dec-24 |
| EBIT-Margin
| 23.93 | 29.62 | 25.55 | 27.79 | 19.98 |
| Net Margin
| -- | -- | 26.36 | -- | -- |
| Return on equity
| 12.07 | 13.06 | 13.96 | 13.70 | 10.25 |
| Return on Capital
| 9.18 | 10.02 | -- | 10.90 | 7.54 |
| Return on Assets
| 0.84 | 0.93 | 0.98 | 1.04 | 0.71 |
| Debt to Equity (x)
| -- | -- | 0.13 | 0.17 | 0.35 |
Profitability
ROCE
--
--
Earning before interest and taxes / (Average net worth + Average total Debt) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
--
|
10.90
|
7.54
|
9.09
|
11.34
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
ROE
13.96
Higher than Peers by 4.09
Profit after tax / Average Net worth * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
13.96
|
13.70
|
10.25
|
12.27
|
14.62
|
|
Peer Median
|
9.87
|
--
|
--
|
--
|
--
|
ROA
0.98
Higher than Peers by 0.01
Profit after tax / Average Total assets * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
0.98
|
1.04
|
0.71
|
0.78
|
1.00
|
|
Peer Median
|
0.96
|
--
|
--
|
--
|
--
|
EBIT Margin
25.55
Higher than Peers by 4.76
Operating profit (EBIT) / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
25.55
|
27.79
|
19.98
|
24.03
|
35.65
|
|
Peer Median
|
20.79
|
--
|
--
|
--
|
--
|
Net Margin
26.36
Higher than Peers by 6.33
Net profit / Total Income (Net sales plus other income) * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
26.36
|
21.38
|
15.69
|
18.36
|
26.68
|
|
Peer Median
|
20.03
|
--
|
--
|
--
|
--
|
Cash Profit Margin
0.00
Higher than Peers by 0.00
(Net profit + Depreciation) / Gross Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
0.00
|
--
|
--
|
--
|
--
|
|
Peer Median
|
0.00
|
--
|
--
|
--
|
--
|
Revenue Growth
-9.13
Lower than Peers by 20.23
Year on year growth in net sales
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
-9.13
|
0.06
|
0.07
|
0.15
|
0.07
|
|
Peer Median
|
11.10
|
--
|
--
|
--
|
--
|
EBIT Growth
4.62
Higher than Peers by 16.11
Year on year growth in operating profit (EBIT)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
4.62
|
47.97
|
-11.43
|
-22.22
|
-6.51
|
|
Peer Median
|
-11.50
|
--
|
--
|
--
|
--
|
Net Profit Growth
36.77
Higher than Peers by 29.50
Year on year growth in profit after tax
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
36.77
|
45.06
|
-8.96
|
-20.64
|
-7.47
|
|
Peer Median
|
7.27
|
--
|
--
|
--
|
--
|
EPS Growth
39.55
Higher than Peers by 33.76
Year on year growth in earnings per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
39.55
|
0.47
|
-0.09
|
-0.20
|
-0.05
|
|
Peer Median
|
5.78
|
--
|
--
|
--
|
--
|
Book Value Growth
8.33
Lower than Peers by 0.44
Year on year growth in book value per share
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
8.33
|
--
|
--
|
--
|
--
|
|
Peer Median
|
8.77
|
--
|
--
|
--
|
--
|
Solvency
Debt to Equity
0.13
Lower than Peers by 0.08
Total debt / Net worth
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
0.13
|
0.17
|
0.35
|
0.37
|
0.32
|
|
Peer Median
|
0.21
|
--
|
--
|
--
|
--
|
Short term debt to equity ratio
0.04
--
(Short term borrowings / Net worth)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
0.04
|
0.04
|
--
|
0.01
|
0.01
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Current Ratio
0.27
Lower than Peers by 0.04
Current Assets / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
0.27
|
0.14
|
0.14
|
0.17
|
0.12
|
|
Peer Median
|
0.31
|
--
|
--
|
--
|
--
|
Quick Ratio
0.27
Lower than Peers by 0.09
(Current Assets - Inventory) / Current Liabilities and Provisions
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
0.27
|
--
|
--
|
0.29
|
0.14
|
|
Peer Median
|
0.36
|
--
|
--
|
--
|
--
|
Interest Coverage
2.58
Higher than Peers by 0.83
Earning before interest and taxes (EBIT) / Interest Expenses
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
2.58
|
1.37
|
0.72
|
1.06
|
5.78
|
|
Peer Median
|
1.75
|
--
|
--
|
--
|
--
|
Operating Efficiency
Debtors to sales
7.44
Higher than Peers by 0.54
Debtors outstanding / Net Sales * 100
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
7.44
|
6.50
|
6.87
|
6.73
|
7.34
|
|
Peer Median
|
6.90
|
--
|
--
|
--
|
--
|
Asset Turnover
0.04
Lower than Peers by 0.01
Sales / Average Total Assets
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
0.04
|
0.05
|
0.05
|
0.04
|
0.04
|
|
Peer Median
|
0.05
|
--
|
--
|
--
|
--
|
Receivable days
--
--
Average Debtors / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
--
|
23.66
|
24.08
|
23.92
|
24.43
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Inventory Days
--
--
Average Inventory / Sales * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
--
|
--
|
-2,756.46
|
-1,905.46
|
-5,617.12
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Payable days
--
--
Average Creditors / Cost of goods sold * 365
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
--
|
36.13
|
50.92
|
49.20
|
78,073.59
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Cash Conversion Cycle
--
--
Receivable Days + Inventory Days - Payable Days
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
--
|
--
|
-2,783.30
|
-1,930.75
|
-83,666.29
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Valuation
Price / Earnings
11.94
Lower than Peers by 0.85
Current share price divided by earning per share in the last twelve months
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
11.94
|
10.79
|
14.79
|
9.09
|
7.49
|
|
Peer Median
|
12.79
|
--
|
--
|
--
|
--
|
Price / Book Value
1.60
Higher than Peers by 0.28
Current share price divided by book value per share in the latest financial year
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
1.60
|
1.41
|
1.47
|
1.06
|
1.22
|
|
Peer Median
|
1.32
|
--
|
--
|
--
|
--
|
Dividend Yield
3.05
Higher than Peers by 0.57
Dividend per share in the past twelve months divided by current share price
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
3.05
|
--
|
--
|
--
|
--
|
|
Peer Median
|
2.48
|
--
|
--
|
--
|
--
|
EV/EBITDA
--
--
Enterprise Value (Current Market Capitalisation + Total Debt - Cash & Equivalents) / Earnings before interest, taxes, depreciation and taxes (EBITDA)
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
--
|
0.25
|
0.69
|
-5.32
|
-0.78
|
|
Peer Median
|
--
|
--
|
--
|
--
|
--
|
Market Cap
966
Higher than Peers by 652
Current Share price multiplied by latest total number of shares outstanding
|
Company Name
|
TTM
|
Dec-25
|
Dec-24
|
Dec-23
|
Dec-22
|
|---|---|---|---|---|---|
|
Central Pacific Financial Corp New (CPF)
|
966
|
--
|
--
|
--
|
--
|
|
Peer Median
|
314
|
--
|
--
|
--
|
--
|