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STOCKS

Finwise Bancorp (FINW)

:FINW

FINW

FinWise

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FinWise (FINW) Ratios

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FinWise Ratios

FINW's free cash flow for Q1 2025 was $1.00. For the 2025 fiscal year, FINW's free cash flow was decreased by $ and operating cash flow was $0.00. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	28.56	0.68	28.56	1.82K	251.34
Quick Ratio	25.29	0.68	25.29	3.64K	502.69
Cash Ratio	12.42	0.49	12.42	1.79K	242.99
Solvency Ratio	0.10	0.05	0.10	0.12	0.04
Operating Cash Flow Ratio	7.55	0.05	7.55	-192.33	100.44
Short-Term Operating Cash Flow Coverage	0.00	11.11	0.00	0.00	0.00
Net Current Asset Value	$ -30.53M	$ -270.11M	$ -30.53M	$ -177.47M	$ -222.63M
Leverage Ratios
Debt-to-Assets Ratio	0.02	0.01	0.02	<0.01	0.32
Debt-to-Equity Ratio	0.06	0.04	0.06	<0.01	2.20
Debt-to-Capital Ratio	0.06	0.04	0.06	<0.01	0.69
Long-Term Debt-to-Capital Ratio	<0.01	<0.01	<0.01	<0.01	0.69
Financial Leverage Ratio	2.86	3.78	2.86	3.29	6.92
Debt Service Coverage Ratio	17.87	19.27	17.87	24.87	6.55
Interest Coverage Ratio	24.66	0.00	24.66	33.42	8.62
Debt to Market Cap	<0.01	<0.01	<0.01	<0.01	0.65
Interest Debt Per Share	0.80	0.52	0.80	0.27	8.39
Net Debt to EBITDA	-2.51	-4.00	-2.51	-2.01	3.47
Profitability Margins
Gross Profit Margin	10.51%	101.52%	10.51%	93.06%	100.00%
EBIT Margin	631.24%	37.21%	631.24%	51.51%	35.99%
EBITDA Margin	669.88%	43.16%	669.88%	52.81%	36.70%
Operating Profit Margin	648.29%	37.21%	648.29%	52.96%	35.99%
Pretax Profit Margin	660.63%	37.21%	660.63%	52.96%	35.99%
Net Profit Margin	460.49%	27.28%	460.49%	39.57%	26.62%
Continuous Operations Profit Margin	460.49%	27.28%	460.49%	39.57%	26.62%
Net Income Per EBT	69.70%	73.32%	69.70%	74.71%	73.96%
EBT Per EBIT	101.90%	100.00%	101.90%	100.00%	100.00%
Return on Assets (ROA)	6.24%	2.98%	6.24%	8.31%	3.53%
Return on Equity (ROE)	17.88%	11.26%	17.88%	27.36%	24.41%
Return on Capital Employed (ROCE)	8.97%	6.82%	8.97%	11.12%	4.77%
Return on Invested Capital (ROIC)	10.32%	4.99%	10.32%	29.26%	20.12%
Return on Tangible Assets	6.33%	3.00%	6.33%	8.39%	3.55%
Earnings Yield	21.31%	9.77%	21.31%	26.42%	7.18%
Efficiency Ratios
Receivables Turnover	0.02	1.45	0.02	0.00	0.00
Payables Turnover	90.39	34.92	90.39	115.33	0.00
Inventory Turnover	0.18	0.00	0.18	-0.06	0.00
Fixed Asset Turnover	0.34	3.38	0.34	24.30	33.29
Asset Turnover	0.01	0.11	0.01	0.21	0.13
Working Capital Turnover Ratio	0.04	-0.62	0.04	1.17	1.00
Cash Conversion Cycle	17.10K	240.95	17.10K	-5.76K	0.00
Days of Sales Outstanding	15.13K	251.41	15.13K	0.00	0.00
Days of Inventory Outstanding	1.98K	0.00	1.98K	-5.76K	0.00
Days of Payables Outstanding	4.04	10.45	4.04	3.16	0.00
Operating Cycle	17.11K	251.41	17.11K	-5.76K	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	4.80	0.98	4.80	-1.06	1.60
Free Cash Flow Per Share	4.24	0.38	4.24	-1.33	1.55
CapEx Per Share	0.57	0.60	0.57	0.27	0.05
Free Cash Flow to Operating Cash Flow	0.88	0.39	0.88	1.25	0.97
Dividend Paid and CapEx Coverage Ratio	8.48	1.64	8.48	-3.96	33.08
Capital Expenditure Coverage Ratio	8.48	1.64	8.48	-3.96	33.08
Operating Cash Flow Coverage Ratio	6.98	1.89	6.98	-8.79	0.19
Operating Cash Flow to Sales Ratio	11.21	0.19	11.21	-0.12	0.47
Free Cash Flow Yield	45.76%	2.69%	45.76%	-9.67%	12.18%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	4.69	10.24	4.69	3.79	13.92
Price-to-Sales (P/S) Ratio	21.61	2.79	21.61	1.50	3.71
Price-to-Book (P/B) Ratio	0.84	1.15	0.84	1.04	3.40
Price-to-Free Cash Flow (P/FCF) Ratio	2.19	37.18	2.19	-10.34	8.21
Price-to-Operating Cash Flow Ratio	1.93	14.57	1.93	-12.95	7.96
Price-to-Earnings Growth (PEG) Ratio	-0.11	-0.35	-0.11	0.01	1.83
Price-to-Fair Value	0.84	1.15	0.84	1.04	3.40
Enterprise Value Multiple	0.71	2.47	0.71	0.83	13.57
Enterprise Value	26.07M	68.22M	26.07M	34.85M	209.53M
EV to EBITDA	0.71	2.47	0.71	0.83	13.57
EV to Sales	4.78	1.07	4.78	0.44	4.98
EV to Free Cash Flow	0.48	14.19	0.48	-3.01	11.03
EV to Operating Cash Flow	0.43	5.56	0.43	-3.78	10.70
Tangible Book Value Per Share	10.62	12.08	10.62	12.86	3.55
Shareholders’ Equity Per Share	11.03	12.42	11.03	13.32	3.75
Tax and Other Ratios
Effective Tax Rate	0.30	0.27	0.30	0.25	0.26
Revenue Per Share	0.43	5.12	0.43	9.21	3.44
Net Income Per Share	1.97	1.40	1.97	3.64	0.91
Tax Burden	0.70	0.73	0.70	0.75	0.74
Interest Burden	1.05	1.00	1.05	1.03	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	4.49	0.08	4.49	0.28	0.40
Stock-Based Compensation to Revenue	0.14	0.03	0.14	0.03	0.04
Income Quality	2.43	0.70	2.43	-0.29	1.75

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