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First Business Financial Services (DE:45D)
FRANKFURT:45D
Germany Market
45D
First Business Financial
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First Business Financial (45D) Ratios

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First Business Financial Ratios

DE:45D's free cash flow for Q2 2026 was $0.61. For the 2026 fiscal year, DE:45D's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 17.05 0.31 0.17 0.16 0.15
Quick Ratio
 17.05 0.31 0.17 0.16 0.15
Cash Ratio
 0.68 0.24 0.05 0.05 0.05
Solvency Ratio
 0.01 0.01 0.01 0.01 0.02
Operating Cash Flow Ratio
 0.34 0.49 0.02 0.02 0.02
Short-Term Operating Cash Flow Coverage
 0.34 0.49 0.00 0.00 0.00
Net Current Asset Value
$ 106.58M$ -3.67B$ -3.01B$ -2.76B$ -2.39B
Leverage Ratios
Debt-to-Assets Ratio
 0.13 0.06 0.09 0.10 0.16
Debt-to-Equity Ratio
 1.51 0.70 1.00 1.17 1.79
Debt-to-Capital Ratio
 0.60 0.41 0.50 0.54 0.64
Long-Term Debt-to-Capital Ratio
 0.47 0.25 0.49 0.53 0.64
Financial Leverage Ratio
 11.16 10.99 11.73 12.11 11.42
Debt Service Coverage Ratio
 0.17 0.23 0.44 0.49 1.96
Interest Coverage Ratio
 0.59 0.55 0.47 0.57 2.28
Debt to Market Cap
 0.97 0.57 0.85 1.01 1.52
Interest Debt Per Share
 85.93 45.36 53.62 51.93 59.55
Net Debt to EBITDA
 6.29 3.56 3.10 3.95 6.47
Profitability Margins
Gross Profit Margin
58.86%57.29%55.12%59.99%87.35%
EBIT Margin
22.51%21.65%19.49%20.84%34.64%
EBITDA Margin
23.85%23.00%20.92%22.44%37.34%
Operating Profit Margin
22.51%21.65%19.49%20.84%34.64%
Pretax Profit Margin
22.51%21.65%19.49%20.84%34.64%
Net Profit Margin
19.28%18.02%16.86%16.37%27.09%
Continuous Operations Profit Margin
19.28%18.02%16.86%16.37%27.09%
Net Income Per EBT
85.66%83.24%86.50%78.55%78.21%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.26%1.23%1.15%1.06%1.37%
Return on Equity (ROE)
14.75%13.54%13.47%12.79%15.68%
Return on Capital Employed (ROCE)
1.55%1.53%6.86%6.63%6.62%
Return on Invested Capital (ROIC)
1.34%1.23%5.93%5.21%5.18%
Return on Tangible Assets
1.26%1.24%1.15%1.06%1.38%
Earnings Yield
9.29%11.36%11.73%11.36%13.59%
Efficiency Ratios
Receivables Turnover
 22.52 0.08 20.37 17.04 16.04
Payables Turnover
 0.00 0.00 0.00 0.00 0.99
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 31.58 27.96 24.01 17.75 12.54
Asset Turnover
 0.07 0.07 0.07 0.06 0.05
Working Capital Turnover Ratio
 0.68 -0.21 -0.11 -0.11 -0.09
Cash Conversion Cycle
 16.21 4.36K 17.92 21.42 -347.63
Days of Sales Outstanding
 16.21 4.36K 17.92 21.42 22.76
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 0.00 0.00 0.00 0.00 370.39
Operating Cycle
 16.21 4.36K 17.92 21.42 22.76
Cash Flow Ratios
Operating Cash Flow Per Share
 9.92 7.56 7.06 6.43 4.70
Free Cash Flow Per Share
 9.86 7.49 7.03 6.08 4.31
CapEx Per Share
 0.06 0.07 0.03 0.35 0.39
Free Cash Flow to Operating Cash Flow
 0.99 0.99 1.00 0.94 0.92
Dividend Paid and CapEx Coverage Ratio
 6.76 5.53 6.10 4.61 3.65
Capital Expenditure Coverage Ratio
 168.17 103.69 257.81 18.13 11.99
Operating Cash Flow Coverage Ratio
 0.14 0.24 0.18 0.15 0.08
Operating Cash Flow to Sales Ratio
 0.28 0.22 0.22 0.23 0.26
Free Cash Flow Yield
13.30%13.79%15.18%15.15%11.78%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 10.97 8.96 8.90 8.81 7.36
Price-to-Sales (P/S) Ratio
 2.11 1.59 1.44 1.44 1.99
Price-to-Book (P/B) Ratio
 1.51 1.19 1.15 1.13 1.15
Price-to-Free Cash Flow (P/FCF) Ratio
 7.52 7.25 6.59 6.60 8.49
Price-to-Operating Cash Flow Ratio
 7.34 7.18 6.56 6.24 7.78
Price-to-Earnings Growth (PEG) Ratio
 0.61 0.54 0.44 -1.00 0.53
Price-to-Fair Value
 1.51 1.19 1.15 1.13 1.15
Enterprise Value Multiple
 15.15 10.46 9.97 10.37 11.81
Enterprise Value
 1.04B 671.63M 547.44M 526.41M 665.00M
EV to EBITDA
 15.15 10.46 9.97 10.37 11.81
EV to Sales
 3.61 2.41 2.09 2.33 4.41
EV to Free Cash Flow
 12.86 10.99 9.56 10.65 18.77
EV to Operating Cash Flow
 12.78 10.89 9.52 10.07 17.21
Tangible Book Value Per Share
 45.25 44.08 38.86 34.14 30.20
Shareholders’ Equity Per Share
 48.16 45.55 40.33 35.62 31.68
Tax and Other Ratios
Effective Tax Rate
 0.14 0.17 0.13 0.21 0.22
Revenue Per Share
 35.07 34.23 32.20 27.82 18.33
Net Income Per Share
 6.76 6.17 5.43 4.55 4.97
Tax Burden
 0.86 0.83 0.87 0.79 0.78
Interest Burden
 1.00 1.00 1.00 1.00 1.00
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.28 0.27 0.28 0.28 0.39
Stock-Based Compensation to Revenue
 <0.01 0.01 0.01 0.01 0.02
Income Quality
 1.47 1.23 1.30 1.41 0.95
Currency in USD