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FinWise Bancorp

NAS:FINWFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$10.50−1.69%At closeAt close · Tue 20 Oct · ≈ AED 38.56 · Market cap $145.77M · Next earnings Wed 28 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	84.1%	88.5%	83.4%	75.0%	72.3%	61.0%	—	—
Operating margin	34.5%	52.1%	39.9%	27.5%	17.4%	14.4%	14.4%	+0.0 pts
Net margin	25.5%	38.9%	27.8%	20.2%	13.1%	10.7%	10.7%	+0.0 pts
EBITDA margin	36.9%	53.4%	42.3%	31.9%	22.9%	17.6%	—	—
Return on equity	24.4%	27.4%	17.9%	11.3%	7.3%	8.3%	8.3%	+0.0 pts
Return on assets	3.5%	8.3%	6.3%	3.0%	1.7%	1.6%	1.6%	+0.0 pts
Return on capital employed	10.0%	33.0%	22.8%	13.3%	8.5%	9.9%	—	—
Debt / equity	2.2×	0.0×	0.1×	0.0×	0.0×	0.0×	0.0×	+0.0%
Debt / assets	31.8%	0.3%	1.8%	1.1%	0.7%	0.5%	—	—
Interest coverage	8.6×	33.4×	25.1×	2.4×	1.1×	1.1×	—	—
Current ratio	0.3×	0.3×	0.5×	0.4×	0.3×	0.2×	0.2×	+0.0%
Quick ratio	0.3×	0.3×	0.5×	0.4×	0.3×	0.2×	—	—
Cash ratio	0.3×	0.3×	0.4×	0.3×	0.2×	0.2×	0.2×	+0.0%
Asset turnover	0.1×	0.2×	0.2×	0.1×	0.1×	0.2×	—	—
Receivables turnover	26.9×	52.4×	8.1×	2.0×	1.2×	40.7×	—	—
Dividend payout	0.0%	0.0%	0.0%	0.0%	0.0%	0.0%	—	—