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FinWise Bancorp FINW

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Price alert · FINW

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13.37 USD +0.18 +1.36%

As of Nov 2, 3:38 PM ET

Bid
13.20 × 1
Ask
13.51 × 1
13.08 Day range 13.76
9.58 52-week range 19.86
YTD
-25.47%
1 year
-30.33%
Open
13.08
Prev close
13.19
Mkt cap
183.41M
Vol
85.01K
Avg vol
35.39K
EPS
1.38
P/E
9.67
Div yield
0.00%
More statistics
Low
13.08
High
13.76
Forward P/E
17.05
Beta
0.69
Short ratio
2.15
Inst. own
25.39%
Dividend
0.00
Ex-div date
Earnings
Feb 3, 2025
50-d avg
17.36
200-d avg
12.98
1y target
20.33

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Financial health

Altman Z-Score

0.74 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

3 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 3
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 4
  • P/B 4

Valuation

P/E 14.4×
FY 2019: 16.1×FY 2020: 10.0×FY 2021: 4.0×FY 2022: 4.7×FY 2023: 10.4×FY 2024: 16.3×FY 2025: 14.4×
FY 2019 5y median 10.4× FY 2025
P/S 1.5×
FY 2019: 4.4×FY 2020: 2.4×FY 2021: 1.5×FY 2022: 1.3×FY 2023: 2.1×FY 2024: 2.1×FY 2025: 1.5×
FY 2019 5y median 1.5× FY 2025
P/B 1.2×
FY 2019: 4.7×FY 2020: 2.3×FY 2021: 1.0×FY 2022: 0.8×FY 2023: 1.2×FY 2024: 1.2×FY 2025: 1.2×
FY 2019 5y median 1.2× FY 2025
P/FCF -6.7×
FY 2019: -18.5×FY 2020: 5.5×FY 2021: -10.3×FY 2022: 2.2×FY 2023: 37.2×FY 2024: -10.1×FY 2025: -6.7×
FY 2019 5y median -6.7× FY 2025
EV/EBITDA 2.7×
FY 2019: 9.1×FY 2020: 9.8×FY 2021: 0.8×FY 2022: 0.6×FY 2023: 2.5×FY 2024: 4.5×FY 2025: 2.7×
FY 2019 5y median 2.5× FY 2025
EV/Sales 0.5×
FY 2019: 3.4×FY 2020: 3.6×FY 2021: 0.4×FY 2022: 0.3×FY 2023: 0.8×FY 2024: 1.0×FY 2025: 0.5×
FY 2019 5y median 0.5× FY 2025
FCF Yield -14.9%
FY 2019: -5.4%FY 2020: 18.2%FY 2021: -9.7%FY 2022: 45.8%FY 2023: 2.7%FY 2024: -9.9%FY 2025: -14.9%
FY 2019 5y median -9.7% FY 2025

Profitability

Gross Margin 61.0%
FY 2019: 80.9%FY 2020: 84.1%FY 2021: 88.5%FY 2022: 83.4%FY 2023: 75.0%FY 2024: 72.3%FY 2025: 61.0%
FY 2019 5y median 75.0% FY 2025
Operating Margin 14.4%
FY 2019: 36.4%FY 2020: 34.5%FY 2021: 52.1%FY 2022: 39.9%FY 2023: 27.5%FY 2024: 17.4%FY 2025: 14.4%
FY 2019 5y median 27.5% FY 2025
Net Margin 10.7%
FY 2019: 27.4%FY 2020: 25.5%FY 2021: 38.9%FY 2022: 27.8%FY 2023: 20.2%FY 2024: 13.1%FY 2025: 10.7%
FY 2019 5y median 20.2% FY 2025
ROE 8.3%
FY 2019: 29.2%FY 2020: 24.4%FY 2021: 27.4%FY 2022: 17.9%FY 2023: 11.3%FY 2024: 7.3%FY 2025: 8.3%
FY 2019 5y median 11.3% FY 2025
ROIC 7.3%
FY 2019: 27.7%FY 2020: 7.4%FY 2021: 24.7%FY 2022: 15.9%FY 2023: 9.8%FY 2024: 6.4%FY 2025: 7.3%
FY 2019 5y median 9.8% FY 2025
ROA 1.6%
FY 2019: 5.5%FY 2020: 3.5%FY 2021: 8.3%FY 2022: 6.3%FY 2023: 3.0%FY 2024: 1.7%FY 2025: 1.6%
FY 2019 5y median 3.0% FY 2025

Growth (YoY)

Revenue 54.9%
FY 2019: 0.0%FY 2020: 24.3%FY 2021: 85.0%FY 2022: 11.3%FY 2023: -4.0%FY 2024: 12.6%FY 2025: 54.9%
FY 2019 FY 2025
Operating Income 28.1%
FY 2019: 0.0%FY 2020: 17.9%FY 2021: 179.2%FY 2022: -14.8%FY 2023: -33.9%FY 2024: -28.7%FY 2025: 28.1%
FY 2019 FY 2025
EPS (diluted) 21.5%
FY 2019: 0.0%FY 2020: 53.2%FY 2021: 170.2%FY 2022: -42.8%FY 2023: -28.9%FY 2024: -30.1%FY 2025: 21.5%
FY 2019 FY 2025
Free Cash Flow -71.9%
FY 2019: 0.0%FY 2020: 325.3%FY 2021: -160.9%FY 2022: 566.4%FY 2023: -91.1%FY 2024: -513.7%FY 2025: -71.9%
FY 2019 FY 2025

Financial Health

Current Ratio 0.2×
FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.2×
FY 2019 5y median 0.3× FY 2025
Quick Ratio 0.2×
FY 2019: 0.3×FY 2020: 0.3×FY 2021: 0.3×FY 2022: 0.5×FY 2023: 0.4×FY 2024: 0.3×FY 2025: 0.2×
FY 2019 5y median 0.3× FY 2025
Debt / Equity 0.0×
FY 2019: 0.0×FY 2020: 2.2×FY 2021: 0.0×FY 2022: 0.1×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2019 5y median 0.0× FY 2025
Net Debt / EBITDA -6.0×
FY 2019: -2.6×FY 2020: 3.3×FY 2021: -2.0×FY 2022: -2.4×FY 2023: -4.0×FY 2024: -4.5×FY 2025: -6.0×
FY 2019 5y median -4.0× FY 2025
Interest Coverage 1.1×
FY 2019: 8.8×FY 2020: 8.6×FY 2021: 33.4×FY 2022: 25.1×FY 2023: 2.4×FY 2024: 1.1×FY 2025: 1.1×
FY 2019 5y median 2.4× FY 2025

Dividends

Dividend Yield 0.0%
FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2019 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2019 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31