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5-day change | 1st Jan Change | ||
10.51 USD | -0.94% | +1.35% | -26.55% |
Apr. 29 | Transcript : FinWise Bancorp, Q1 2024 Earnings Call, Apr 29, 2024 | |
Apr. 29 | Earnings Flash (FINW) FINWISE BANK Reports Q1 EPS $0.25, vs. Street Est of $0.23 | MT |
Valuation
Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|
Capitalization 1 | 176.1 | 119 | 178.8 | 134.5 | - |
Enterprise Value (EV) 1 | 176.1 | 119 | 178.8 | 134.5 | 134.5 |
P/E ratio | 4.22 x | 4.95 x | 10.8 x | 13.1 x | 9.73 x |
Yield | - | - | - | - | - |
Capitalization / Revenue | 2.21 x | 1.35 x | 2.36 x | 1.69 x | 1.47 x |
EV / Revenue | 2.21 x | 1.35 x | 2.36 x | 1.69 x | 1.47 x |
EV / EBITDA | - | - | - | - | - |
EV / FCF | - | - | - | - | - |
FCF Yield | - | - | - | - | - |
Price to Book | 1.53 x | 0.85 x | 1.15 x | 0.76 x | 0.69 x |
Nbr of stocks (in thousands) | 12,772 | 12,850 | 12,494 | 12,794 | - |
Reference price 2 | 13.79 | 9.260 | 14.31 | 10.51 | 10.51 |
Announcement Date | 2/23/22 | 1/25/23 | 1/29/24 | - | - |
Income Statement Evolution (Annual data)
Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|
Net sales 1 | - | 79.82 | 88.31 | 75.64 | 79.76 | 91.66 |
EBITDA | - | - | - | - | - | - |
EBIT 1 | - | 50.31 | 51.28 | 35.45 | 37.17 | 41.91 |
Operating Margin | - | 63.03% | 58.07% | 46.87% | 46.61% | 45.73% |
Earnings before Tax (EBT) 1 | - | 42.27 | 36.03 | 23.81 | 14.32 | 18.06 |
Net income 1 | 11.2 | 31.58 | 25.12 | 17.46 | 10.52 | 13.31 |
Net margin | - | 39.57% | 28.44% | 23.08% | 13.19% | 14.53% |
EPS 2 | 7.700 | 3.270 | 1.870 | 1.330 | 0.8000 | 1.080 |
Free Cash Flow | - | - | - | - | - | - |
FCF margin | - | - | - | - | - | - |
FCF Conversion (EBITDA) | - | - | - | - | - | - |
FCF Conversion (Net income) | - | - | - | - | - | - |
Dividend per Share | - | - | - | - | - | - |
Announcement Date | 7/15/21 | 2/23/22 | 1/25/23 | 1/29/24 | - | - |
Income Statement Evolution (Quarterly data)
Fiscal Period: December | 2021 Q4 | 2022 Q1 | 2022 Q2 | 2022 Q3 | 2022 Q4 | 2023 Q1 | 2023 Q2 | 2023 Q3 | 2023 Q4 | 2024 Q1 | 2024 Q2 | 2024 Q3 | 2024 Q4 | 2025 Q1 |
---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Net sales 1 | 24.4 | 25.76 | 21.2 | 20.04 | 22.42 | 16.63 | 18.96 | 19.64 | 20.4 | 19.47 | 19.5 | 19.98 | 20.68 | 21.53 |
EBITDA | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
EBIT 1 | 16.03 | 16.71 | - | 11.45 | 12.98 | 7.893 | 8.964 | 9.57 | 9.021 | 7.663 | 9.167 | 9.541 | 9.785 | 9.75 |
Operating Margin | 65.69% | 64.88% | - | 57.11% | 57.89% | 47.45% | 47.27% | 48.73% | 44.22% | 39.36% | 47.01% | 47.75% | 47.32% | 45.28% |
Earnings before Tax (EBT) 1 | 13.53 | 13.77 | 7.268 | 7.116 | 8.999 | 5.225 | 6.276 | 6.5 | 5.811 | 4.509 | 2.96 | 3.24 | 3.61 | 4.02 |
Net income 1 | 10.11 | 10.27 | 5.482 | 3.654 | 6.545 | 3.861 | 4.638 | 4.804 | 4.156 | 3.315 | 2.18 | 2.38 | 2.65 | 2.964 |
Net margin | 41.44% | 39.86% | 25.86% | 18.23% | 29.19% | 23.21% | 24.46% | 24.46% | 20.37% | 17.03% | 11.18% | 11.91% | 12.81% | 13.76% |
EPS 2 | 0.9000 | 0.7600 | 0.4100 | 0.2700 | 0.4900 | 0.2900 | 0.3500 | 0.3700 | 0.3200 | 0.2500 | 0.1700 | 0.1800 | 0.2000 | 0.2400 |
Dividend per Share | - | - | - | - | - | - | - | - | - | - | - | - | - | - |
Announcement Date | 2/23/22 | 4/28/22 | 7/27/22 | 10/26/22 | 1/25/23 | 4/27/23 | 7/27/23 | 10/26/23 | 1/29/24 | 4/29/24 | - | - | - | - |
Balance Sheet Analysis
Fiscal Period: December | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
---|---|---|---|---|---|---|
Net Debt | - | - | - | - | - | - |
Net Cash position | - | - | - | - | - | - |
Leverage (Debt/EBITDA) | - | - | - | - | - | - |
Free Cash Flow | - | - | - | - | - | - |
ROE (net income / shareholders' equity) | - | 39.2% | 19.6% | 11.9% | 6.5% | 7.75% |
ROA (Net income/ Total Assets) | - | 9.1% | 6.4% | 3.5% | 1.7% | 1.74% |
Assets 1 | - | 347.1 | 392.4 | 498.9 | 618.8 | 767.4 |
Book Value Per Share 2 | - | 9.040 | 11.00 | 12.40 | 13.90 | 15.20 |
Cash Flow per Share | - | - | - | - | - | - |
Capex | - | - | - | - | - | - |
Capex / Sales | - | - | - | - | - | - |
Announcement Date | 7/15/21 | 2/23/22 | 1/25/23 | 1/29/24 | - | - |
EPS & Dividend
Year-on-year evolution of the PER
Change in Enterprise Value/EBITDA
EPS Revisions
1st Jan change | Capi. | |
---|---|---|
-26.55% | 136M | |
+12.79% | 551B | |
+9.71% | 291B | |
+10.73% | 249B | |
+20.93% | 208B | |
+18.46% | 171B | |
+9.68% | 166B | |
+9.76% | 162B | |
-11.07% | 138B | |
-0.02% | 137B |
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