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Alerus Financial Corporation (DE:5QD)
FRANKFURT:5QD
Germany Market
5QD
Alerus Financial
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Alerus Financial (5QD) Ratios

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Alerus Financial Ratios

DE:5QD's free cash flow for Q2 2026 was $0.77. For the 2026 fiscal year, DE:5QD's free cash flow was decreased by $ and operating cash flow was $0.25. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.37 0.29 0.16 0.20 0.25
Quick Ratio
 0.37 0.29 0.16 0.20 0.25
Cash Ratio
 0.32 0.22 0.01 0.04 0.02
Solvency Ratio
 <0.01 <0.01 <0.01 <0.01 0.01
Operating Cash Flow Ratio
 0.28 0.22 <0.01 <0.01 0.03
Short-Term Operating Cash Flow Coverage
 0.28 0.22 0.12 0.09 0.27
Net Current Asset Value
$ -4.58B$ -4.58B$ -4.05B$ -2.86B$ -2.59B
Leverage Ratios
Debt-to-Assets Ratio
 0.08 0.08 0.06 0.10 0.12
Debt-to-Equity Ratio
 0.77 0.78 0.64 1.03 1.24
Debt-to-Capital Ratio
 0.43 0.44 0.39 0.51 0.55
Long-Term Debt-to-Capital Ratio
 0.09 0.14 0.11 0.14 0.14
Financial Leverage Ratio
 9.07 9.26 10.62 10.59 10.59
Debt Service Coverage Ratio
 0.09 0.08 0.09 0.05 0.12
Interest Coverage Ratio
 0.35 0.21 0.20 0.21 3.29
Debt to Market Cap
 0.48 0.71 0.74 0.84 1.00
Interest Debt Per Share
 21.45 21.58 20.50 22.89 24.61
Net Debt to EBITDA
 6.76 9.36 6.72 10.22 6.37
Profitability Margins
Gross Profit Margin
72.05%67.15%60.78%67.47%92.96%
EBIT Margin
10.36%6.89%6.85%6.52%23.23%
EBITDA Margin
15.02%12.16%11.24%10.02%26.90%
Operating Profit Margin
10.36%6.89%6.85%6.52%23.23%
Pretax Profit Margin
10.88%6.89%6.85%6.52%23.23%
Net Profit Margin
8.33%5.32%5.26%4.81%17.81%
Continuous Operations Profit Margin
8.33%5.32%5.26%4.81%17.81%
Net Income Per EBT
76.53%77.19%76.77%73.77%76.66%
EBT Per EBIT
104.98%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
0.52%0.33%0.34%0.30%1.06%
Return on Equity (ROE)
4.88%3.09%3.59%3.17%11.21%
Return on Capital Employed (ROCE)
0.70%0.46%3.59%3.18%12.38%
Return on Invested Capital (ROIC)
6.92%5.14%2.01%1.44%5.00%
Return on Tangible Assets
0.54%0.34%0.35%0.30%1.08%
Earnings Yield
3.28%3.05%4.39%2.62%9.19%
Efficiency Ratios
Receivables Turnover
 16.46 15.08 6.01 4.24 4.67
Payables Turnover
 0.00 0.00 0.00 0.00 0.00
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 2.80 4.55 6.36 10.40 9.89
Asset Turnover
 0.06 0.06 0.06 0.06 0.06
Working Capital Turnover Ratio
 -2.50 -0.16 -0.10 -0.09 -0.10
Cash Conversion Cycle
 22.17 24.21 60.76 85.99 78.09
Days of Sales Outstanding
 22.17 24.21 60.76 85.99 78.09
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 0.00
Operating Cycle
 22.17 24.21 60.76 85.99 78.09
Cash Flow Ratios
Operating Cash Flow Per Share
 3.76 2.66 1.38 1.45 5.52
Free Cash Flow Per Share
 3.92 2.32 0.79 1.29 5.43
CapEx Per Share
 0.16 0.34 0.59 0.16 0.10
Free Cash Flow to Operating Cash Flow
 1.04 0.87 0.57 0.89 0.98
Dividend Paid and CapEx Coverage Ratio
 3.79 2.29 1.04 1.61 7.06
Capital Expenditure Coverage Ratio
 23.09 7.76 2.34 9.13 57.56
Operating Cash Flow Coverage Ratio
 0.21 0.15 0.09 0.08 0.23
Operating Cash Flow to Sales Ratio
 0.29 0.21 0.09 0.12 0.46
Free Cash Flow Yield
11.92%10.29%4.10%5.76%23.25%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 30.25 32.64 22.90 38.14 10.88
Price-to-Sales (P/S) Ratio
 2.51 1.74 1.20 1.83 1.94
Price-to-Book (P/B) Ratio
 1.45 1.01 0.82 1.21 1.22
Price-to-Free Cash Flow (P/FCF) Ratio
 8.39 9.72 24.41 17.35 4.30
Price-to-Operating Cash Flow Ratio
 8.84 8.46 13.98 15.39 4.23
Price-to-Earnings Growth (PEG) Ratio
 -1.01 -1.83 0.54 -0.53 -0.37
Price-to-Fair Value
 1.45 1.01 0.82 1.21 1.22
Enterprise Value Multiple
 23.50 23.69 17.37 28.53 13.57
Enterprise Value
 1.17B 944.91M 660.73M 695.04M 819.83M
EV to EBITDA
 23.50 23.69 17.37 28.53 13.57
EV to Sales
 3.53 2.88 1.95 2.86 3.65
EV to Free Cash Flow
 11.78 16.06 39.83 27.03 8.10
EV to Operating Cash Flow
 12.29 13.99 22.82 23.98 7.96
Tangible Book Value Per Share
 18.43 17.57 17.01 15.22 15.27
Shareholders’ Equity Per Share
 22.96 22.26 23.54 18.53 19.15
Tax and Other Ratios
Effective Tax Rate
 0.23 0.23 0.23 0.26 0.23
Revenue Per Share
 13.10 12.92 16.07 12.21 12.05
Net Income Per Share
 1.09 0.69 0.84 0.59 2.15
Tax Burden
 0.77 0.77 0.77 0.74 0.77
Interest Burden
 1.05 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
 0.40 0.31 0.27 0.31 0.36
Stock-Based Compensation to Revenue
 <0.01 <0.01 <0.01 >-0.01 <0.01
Income Quality
 3.45 3.87 1.63 2.48 2.57
Currency in USD