International Bancshares (IB4) Ratios
International Bancshares Ratios
DE:IB4's free cash flow for Q2 2026 was $88.56M. For the 2026 fiscal year, DE:IB4's free cash flow was decreased by $-5.67M and operating cash flow was $94.22M. See a summary of the company’s cash flow.
| Ratios | Dec 25 | Dec 24 | Dec 23 | Dec 22 | Dec 21 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 1.04 | 0.43 | 0.45 | 0.50 | 0.57 |
| Quick Ratio | 1.04 | 0.43 | 0.45 | 0.50 | 0.57 |
| Cash Ratio | 0.92 | 0.03 | 0.05 | 0.16 | 0.25 |
| Solvency Ratio | 0.03 | 0.03 | 0.03 | 0.02 | 0.02 |
| Operating Cash Flow Ratio | 0.84 | 0.04 | 0.04 | 0.03 | 0.02 |
| Short-Term Operating Cash Flow Coverage | 0.84 | 0.89 | 0.89 | 0.90 | 0.66 |
| Net Current Asset Value | $ -12.82B | $ -7.53B | $ -7.08B | $ -6.91B | $ -6.28B |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.04 | 0.04 | 0.04 | 0.04 | 0.06 |
| Debt-to-Equity Ratio | 0.22 | 0.23 | 0.27 | 0.28 | 0.44 |
| Debt-to-Capital Ratio | 0.18 | 0.19 | 0.21 | 0.22 | 0.30 |
| Long-Term Debt-to-Capital Ratio | 0.04 | 0.04 | 0.05 | 0.07 | 0.20 |
| Financial Leverage Ratio | 5.13 | 5.63 | 6.16 | 7.58 | 6.95 |
| Debt Service Coverage Ratio | 0.54 | 0.58 | 0.65 | 0.69 | 0.60 |
| Interest Coverage Ratio | 2.43 | 2.43 | 3.83 | 10.03 | 12.01 |
| Debt to Market Cap | 0.17 | 0.17 | 0.19 | 0.20 | 0.38 |
| Interest Debt Per Share | 14.75 | 13.90 | 12.67 | 9.81 | 16.37 |
| Net Debt to EBITDA | 0.31 | 0.57 | -0.00 | -3.74 | -6.33 |
| Profitability Margins | |||||
| Gross Profit Margin | 78.27% | 76.89% | 82.35% | 91.61% | 94.39% |
| EBIT Margin | 49.39% | 48.78% | 53.96% | 53.67% | 51.95% |
| EBITDA Margin | 51.60% | 50.94% | 56.23% | 56.73% | 55.99% |
| Operating Profit Margin | 49.39% | 48.78% | 53.96% | 53.67% | 51.95% |
| Pretax Profit Margin | 49.39% | 48.78% | 53.96% | 53.67% | 51.95% |
| Net Profit Margin | 39.13% | 39.23% | 42.45% | 42.11% | 40.93% |
| Continuous Operations Profit Margin | 39.13% | 39.23% | 42.45% | 42.11% | 40.93% |
| Net Income Per EBT | 79.23% | 80.43% | 78.65% | 78.46% | 78.78% |
| EBT Per EBIT | 100.00% | 100.00% | 100.00% | 100.00% | 100.00% |
| Return on Assets (ROA) | 2.47% | 2.60% | 2.73% | 1.94% | 1.58% |
| Return on Equity (ROE) | 12.68% | 14.63% | 16.82% | 14.68% | 11.00% |
| Return on Capital Employed (ROCE) | 3.23% | 16.45% | 19.31% | 15.88% | 10.78% |
| Return on Invested Capital (ROIC) | 2.47% | 11.28% | 12.70% | 10.57% | 7.41% |
| Return on Tangible Assets | 2.51% | 2.65% | 2.79% | 1.97% | 1.61% |
| Earnings Yield | 9.97% | 10.42% | 12.21% | 10.47% | 9.46% |
| Efficiency Ratios | |||||
| Receivables Turnover | 14.55 | 14.45 | 14.86 | 15.57 | 20.28 |
| 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 | 2.49 | 2.44 | 2.22 | 1.65 | 1.39 |
| Asset Turnover | 0.06 | 0.07 | 0.06 | 0.05 | 0.04 |
| Working Capital Turnover Ratio | -0.29 | -0.15 | -0.15 | -0.12 | -0.11 |
| Cash Conversion Cycle | 25.09 | 25.26 | 24.57 | 23.44 | 18.00 |
| Days of Sales Outstanding | 25.09 | 25.26 | 24.57 | 23.44 | 18.00 |
| 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 | 25.09 | 25.26 | 24.57 | 23.44 | 18.00 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 7.89 | 7.62 | 7.64 | 6.19 | 4.60 |
| Free Cash Flow Per Share | 7.60 | 7.39 | 7.20 | 5.88 | 4.44 |
| Dividend Paid and CapEx Coverage Ratio | 4.67 | 4.93 | 4.49 | 4.10 | 3.50 |
| Capital Expenditure Coverage Ratio | 27.10 | 33.50 | 17.25 | 20.19 | 28.07 |
| Operating Cash Flow Coverage Ratio | 0.70 | 0.72 | 0.73 | 0.67 | 0.29 |
| Operating Cash Flow to Sales Ratio | 0.47 | 0.45 | 0.49 | 0.54 | 0.47 |
| Free Cash Flow Yield | 11.43% | 11.71% | 13.25% | 12.86% | 10.47% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 10.04 | 9.60 | 8.19 | 9.55 | 10.58 |
| Price-to-Sales (P/S) Ratio | 3.93 | 3.77 | 3.48 | 4.02 | 4.33 |
| Price-to-Book (P/B) Ratio | 1.27 | 1.40 | 1.38 | 1.40 | 1.16 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 8.75 | 8.54 | 7.55 | 7.78 | 9.55 |
| Price-to-Operating Cash Flow Ratio | 8.42 | 8.29 | 7.11 | 7.39 | 9.21 |
| Price-to-Earnings Growth (PEG) Ratio | 16.51 | -12.73 | 0.21 | 0.49 | 0.20 |
| Enterprise Value Multiple | 7.92 | 7.96 | 6.18 | 3.35 | 1.40 |
| Enterprise Value | 4.30B | 4.23B | 3.37B | 1.36B | 486.74M |
| EV to EBITDA | 7.92 | 7.96 | 6.18 | 3.35 | 1.40 |
| EV to Sales | 4.09 | 4.06 | 3.48 | 1.90 | 0.78 |
| EV to Free Cash Flow | 9.10 | 9.20 | 7.54 | 3.68 | 1.73 |
| EV to Operating Cash Flow | 8.77 | 8.92 | 7.11 | 3.50 | 1.67 |
| Tangible Book Value Per Share | 47.69 | 40.43 | 34.88 | 28.12 | 31.98 |
| Shareholders’ Equity Per Share | 52.23 | 44.98 | 39.43 | 32.63 | 36.44 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.21 | 0.20 | 0.21 | 0.22 | 0.21 |
| Revenue Per Share | 16.92 | 16.77 | 15.63 | 11.38 | 9.79 |
| Net Income Per Share | 6.62 | 6.58 | 6.63 | 4.79 | 4.01 |
| Tax Burden | 0.79 | 0.80 | 0.79 | 0.78 | 0.79 |
| 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 | 0.18 | 0.15 | 0.15 | 0.19 | 0.21 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 1.19 | 1.16 | 1.15 | 1.29 | 1.15 |
Currency in USD
