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First Internet Bancorp (DE:45H)
FRANKFURT:45H
Germany Market
45H
First Internet Bancorp
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First Internet Bancorp (45H) Ratios

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First Internet Bancorp Ratios

DE:45H's free cash flow for Q2 2026 was $0.32. For the 2026 fiscal year, DE:45H's free cash flow was decreased by $ and operating cash flow was $0.02. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 <0.01 110.02 0.38 0.45 0.46
Quick Ratio
 <0.01 110.02 0.38 0.45 0.46
Cash Ratio
 <0.01 45.68 0.09 0.10 0.07
Solvency Ratio
 >-0.01 >-0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.03 0.34 <0.01 <0.01 0.02
Short-Term Operating Cash Flow Coverage
 0.00 0.00 0.00 0.00 0.00
Net Current Asset Value
$ -5.16B$ -4.11B$ -3.50B$ -2.97B$ -2.58B
Leverage Ratios
Debt-to-Assets Ratio
 0.06 0.06 0.07 0.14 0.16
Debt-to-Equity Ratio
 0.95 0.99 1.04 1.98 1.97
Debt-to-Capital Ratio
 0.49 0.50 0.51 0.66 0.66
Long-Term Debt-to-Capital Ratio
 0.49 0.50 0.51 0.66 0.66
Financial Leverage Ratio
 15.28 15.49 14.94 14.24 12.45
Debt Service Coverage Ratio
 -0.12 -0.14 0.16 0.09 0.74
Interest Coverage Ratio
 -0.24 -0.25 0.13 0.03 0.67
Debt to Market Cap
 1.43 1.95 1.28 3.37 3.11
Interest Debt Per Share
 61.33 64.30 69.58 100.06 81.76
Net Debt to EBITDA
 -8.92 2.28 -1.84 29.37 9.48
Profitability Margins
Gross Profit Margin
16.66%13.68%33.50%30.26%62.71%
EBIT Margin
-14.27%-15.76%8.26%1.90%23.08%
EBITDA Margin
-11.79%-13.84%10.80%4.11%28.11%
Operating Profit Margin
-14.27%-15.76%8.26%1.90%23.08%
Pretax Profit Margin
-14.27%-15.76%8.26%1.90%23.08%
Net Profit Margin
-9.82%-10.89%7.58%3.24%20.46%
Continuous Operations Profit Margin
-9.82%-10.89%7.58%3.24%20.46%
Net Income Per EBT
68.82%69.13%91.77%170.38%88.63%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
-0.57%-0.63%0.44%0.16%0.78%
Return on Equity (ROE)
-8.75%-9.78%6.58%2.32%9.74%
Return on Capital Employed (ROCE)
-6.31%-0.91%3.43%0.45%3.70%
Return on Invested Capital (ROIC)
-4.21%-0.63%3.15%0.45%3.28%
Return on Tangible Assets
-0.57%-0.63%0.44%0.16%0.78%
Earnings Yield
-13.03%-19.30%8.08%3.94%15.36%
Efficiency Ratios
Receivables Turnover
 10.98 11.57 0.34 0.27 0.18
Payables Turnover
 167.30 159.81 88.87 47.10 22.24
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 4.87 4.75 4.67 3.54 2.39
Asset Turnover
 0.06 0.06 0.06 0.05 0.04
Working Capital Turnover Ratio
 -0.08 -0.32 -0.13 -0.13 -0.11
Cash Conversion Cycle
 31.05 29.27 1.06K 1.33K 1.98K
Days of Sales Outstanding
 33.24 31.55 1.07K 1.34K 2.00K
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 2.18 2.28 4.11 7.75 16.41
Operating Cycle
 33.24 31.55 1.07K 1.34K 2.00K
Cash Flow Ratios
Operating Cash Flow Per Share
 18.40 0.40 1.50 1.32 8.68
Free Cash Flow Per Share
 18.36 0.25 1.20 0.71 6.84
CapEx Per Share
 0.08 0.14 0.30 0.61 1.84
Free Cash Flow to Operating Cash Flow
 1.00 0.64 0.80 0.54 0.79
Dividend Paid and CapEx Coverage Ratio
 57.55 1.04 2.78 1.55 4.17
Capital Expenditure Coverage Ratio
 224.96 2.81 5.01 2.18 4.72
Operating Cash Flow Coverage Ratio
 0.47 <0.01 0.03 0.02 0.11
Operating Cash Flow to Sales Ratio
 0.50 0.01 0.04 0.04 0.48
Free Cash Flow Yield
66.50%1.22%3.33%2.95%28.18%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 -7.70 -5.18 12.37 25.40 6.51
Price-to-Sales (P/S) Ratio
 0.75 0.56 0.94 0.82 1.33
Price-to-Book (P/B) Ratio
 0.66 0.51 0.81 0.59 0.63
Price-to-Free Cash Flow (P/FCF) Ratio
 1.50 82.03 30.07 33.86 3.55
Price-to-Operating Cash Flow Ratio
 1.50 52.83 24.07 18.30 2.80
Price-to-Earnings Growth (PEG) Ratio
 0.02 0.02 0.06 -0.34 -0.28
Price-to-Fair Value
 0.66 0.51 0.81 0.59 0.63
Enterprise Value Multiple
 -15.30 -1.80 6.85 49.37 14.22
Enterprise Value
 577.36M 80.38M 246.49M 527.65M 694.32M
EV to EBITDA
 -15.30 -1.80 6.85 49.37 14.22
EV to Sales
 1.80 0.25 0.74 2.03 4.00
EV to Free Cash Flow
 3.60 36.19 23.70 83.58 10.65
EV to Operating Cash Flow
 3.59 23.31 18.97 45.18 8.39
Tangible Book Value Per Share
 38.46 40.67 43.66 40.52 37.80
Shareholders’ Equity Per Share
 41.65 41.21 44.20 41.05 38.29
Tax and Other Ratios
Effective Tax Rate
 0.31 0.31 0.08 -0.70 0.11
Revenue Per Share
 36.66 36.98 38.37 29.40 18.23
Net Income Per Share
 -3.60 -4.03 2.91 0.95 3.73
Tax Burden
 0.69 0.69 0.92 1.70 0.89
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
 0.11 0.20 0.02 0.19 0.25
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 <0.01 0.01
Income Quality
 -5.11 -0.10 0.51 1.39 2.33
Currency in USD