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First International Bank of Israel (IL:FIBI)
:FIBI
Israel Market

Fibi Bank (FIBI) Ratios

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Fibi Bank Ratios

IL:FIBI's free cash flow for Q2 2025 was 0.52. For the 2025 fiscal year, IL:FIBI's free cash flow was decreased by and operating cash flow was 0.30. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 23Dec 22Dec 21
Liquidity Ratios
Current Ratio
0.35 -157.03 25.85 26.66 14.41
Quick Ratio
0.35 -157.03 25.85 26.66 14.41
Cash Ratio
0.35 -156.51 25.76 26.56 14.38
Solvency Ratio
0.01 0.01 <0.01 <0.01 <0.01
Operating Cash Flow Ratio
<0.01 -3.02 1.55 -0.51 0.16
Short-Term Operating Cash Flow Coverage
0.48 0.00 0.00 0.00 0.00
Net Current Asset Value
-168.40B -139.85B -127.59B -112.44B -100.30B
Leverage Ratios
Debt-to-Assets Ratio
0.02 0.02 0.03 0.02 0.03
Debt-to-Equity Ratio
0.32 0.43 0.49 0.37 0.52
Debt-to-Capital Ratio
0.24 0.30 0.33 0.27 0.34
Long-Term Debt-to-Capital Ratio
0.24 0.00 0.31 0.25 0.34
Financial Leverage Ratio
18.41 18.36 18.56 18.04 18.35
Debt Service Coverage Ratio
0.24 -0.22 -0.65 -2.04 -1.53
Interest Coverage Ratio
0.59 0.81 2.88 5.99 4.64
Debt to Market Cap
0.35 0.00 0.34 0.26 0.56
Interest Debt Per Share
111.47 99.85 64.64 40.66 50.07
Net Debt to EBITDA
-18.14 0.00 0.00 0.00 0.00
Profitability Margins
Gross Profit Margin
66.13%105.58%100.00%100.00%100.00%
EBIT Margin
37.72%-3.04%-3.39%-3.89%-4.17%
EBITDA Margin
39.72%0.00%0.00%0.00%0.00%
Operating Profit Margin
37.72%64.80%74.40%48.55%27.92%
Pretax Profit Margin
38.41%54.81%48.27%48.12%28.14%
Net Profit Margin
22.79%35.51%31.73%31.98%18.73%
Continuous Operations Profit Margin
23.83%36.98%32.85%33.12%19.68%
Net Income Per EBT
59.33%64.80%65.73%66.46%66.55%
EBT Per EBIT
101.84%84.58%64.88%99.11%100.81%
Return on Assets (ROA)
0.90%0.98%0.85%0.78%0.45%
Return on Equity (ROE)
17.31%17.99%15.79%14.05%8.20%
Return on Capital Employed (ROCE)
11.41%1.78%2.02%1.20%0.68%
Return on Invested Capital (ROIC)
6.31%1.20%3.34%1.87%1.05%
Return on Tangible Assets
0.90%0.98%0.85%0.78%0.45%
Earnings Yield
9.52%14.44%11.95%10.81%8.77%
Efficiency Ratios
Receivables Turnover
0.00 26.94 26.81 20.06 27.62
Payables Turnover
0.00 -0.17 0.00 0.00 0.00
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
12.11 4.93 4.11 3.39 2.96
Asset Turnover
0.04 0.03 0.03 0.02 0.02
Working Capital Turnover Ratio
-0.07 0.10 0.10 0.08 0.09
Cash Conversion Cycle
0.00 2.11K 13.62 18.20 13.21
Days of Sales Outstanding
0.00 13.55 13.62 18.20 13.21
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
0.00 -2.10K 0.00 0.00 0.00
Operating Cycle
0.00 13.55 13.62 18.20 13.21
Cash Flow Ratios
Operating Cash Flow Per Share
19.95 13.27 34.19 -10.97 6.23
Free Cash Flow Per Share
17.79 11.42 32.48 -12.69 4.63
CapEx Per Share
2.15 1.84 1.70 1.71 1.59
Free Cash Flow to Operating Cash Flow
0.89 0.86 0.95 1.16 0.74
Dividend Paid and CapEx Coverage Ratio
1.74 1.35 3.07 -1.54 2.19
Capital Expenditure Coverage Ratio
9.26 7.19 20.06 -6.40 3.91
Operating Cash Flow Coverage Ratio
0.44 0.26 0.67 -0.30 0.13
Operating Cash Flow to Sales Ratio
0.19 0.22 0.65 -0.25 0.16
Free Cash Flow Yield
7.20%7.62%23.37%-9.80%5.44%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
10.51 6.92 8.37 9.25 11.40
Price-to-Sales (P/S) Ratio
2.39 2.46 2.65 2.96 2.13
Price-to-Book (P/B) Ratio
1.74 1.25 1.32 1.30 0.94
Price-to-Free Cash Flow (P/FCF) Ratio
13.89 13.12 4.28 -10.21 18.39
Price-to-Operating Cash Flow Ratio
12.39 11.30 4.07 -11.80 13.68
Price-to-Earnings Growth (PEG) Ratio
8.72 0.23 0.45 0.11 -0.86
Price-to-Fair Value
1.74 1.25 1.32 1.30 0.94
Enterprise Value Multiple
-12.11 0.00 0.00 0.00 0.00
Enterprise Value
-49.82B -48.69B -38.06B -40.65B -44.47B
EV to EBITDA
-12.11 0.00 0.00 0.00 0.00
EV to Sales
-4.81 -7.96 -7.24 -9.25 -11.10
EV to Free Cash Flow
-27.91 -42.49 -11.68 31.94 -95.63
EV to Operating Cash Flow
-24.90 -36.58 -11.10 36.92 -71.15
Tangible Book Value Per Share
145.69 122.77 106.83 101.04 92.33
Shareholders’ Equity Per Share
142.13 120.31 105.24 99.70 91.11
Tax and Other Ratios
Effective Tax Rate
0.38 0.33 0.35 0.34 0.33
Revenue Per Share
103.23 60.96 52.37 43.79 39.92
Net Income Per Share
23.53 21.65 16.62 14.00 7.48
Tax Burden
0.59 0.65 0.66 0.66 0.67
Interest Burden
1.02 -18.02 -14.25 -12.36 -6.75
Research & Development to Revenue
0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
0.05 0.34 0.05 0.06 0.06
Stock-Based Compensation to Revenue
0.00 0.00 0.00 0.00 0.00
Income Quality
0.81 0.59 1.99 -0.76 0.79
Currency in ILS