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STOCKS

Merchants Bancorp (MBIN)

NASDAQ:MBIN

MBIN

Merchants Bancorp

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Merchants Bancorp (MBIN) Ratios

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129 Followers

Merchants Bancorp Ratios

MBIN's free cash flow for Q3 2025 was $0.41. For the 2025 fiscal year, MBIN's free cash flow was decreased by $ and operating cash flow was $0.19. See a summary of the company’s cash flow.

Ratios	TTM	Dec 24	Dec 23	Dec 22	Dec 21
Liquidity Ratios
Current Ratio	0.10	0.05	0.13	260.95	4.56
Quick Ratio	0.10	0.05	0.13	28.41	10.04
Cash Ratio	0.04	0.04	0.04	7.54	3.44
Solvency Ratio	0.01	0.02	0.02	0.02	0.02
Operating Cash Flow Ratio	<0.01	-0.07	-0.03	32.53	-0.16
Short-Term Operating Cash Flow Coverage	0.00	0.00	0.00	32.53	0.00
Net Current Asset Value	$ -15.80B	$ -15.91B	$ -13.46B	$ -3.33B	$ -8.76B
Leverage Ratios
Debt-to-Assets Ratio	0.15	0.23	0.06	0.08	0.09
Debt-to-Equity Ratio	1.30	1.93	0.57	0.66	0.89
Debt-to-Capital Ratio	0.57	0.66	0.36	0.40	0.47
Long-Term Debt-to-Capital Ratio	0.57	0.66	0.36	0.39	0.47
Financial Leverage Ratio	8.70	8.38	9.97	8.64	9.76
Debt Service Coverage Ratio	0.36	0.41	0.45	1.16	6.77
Interest Coverage Ratio	0.45	0.54	0.55	1.82	9.08
Debt to Market Cap	1.56	2.65	0.52	0.91	0.74
Interest Debt Per Share	78.57	114.06	36.87	26.01	24.73
Net Debt to EBITDA	7.18	9.07	1.08	2.50	<0.01
Profitability Margins
Gross Profit Margin	42.77%	44.41%	43.66%	100.00%	100.00%
EBIT Margin	22.91%	29.21%	29.26%	68.15%	70.86%
EBITDA Margin	23.13%	29.42%	29.50%	68.73%	71.37%
Operating Profit Margin	22.91%	29.21%	29.26%	68.96%	71.49%
Pretax Profit Margin	22.91%	29.21%	29.26%	68.15%	70.86%
Net Profit Margin	17.78%	22.14%	23.48%	51.43%	52.78%
Continuous Operations Profit Margin	17.78%	22.14%	23.48%	51.43%	52.78%
Net Income Per EBT	77.59%	75.81%	80.26%	75.47%	74.48%
EBT Per EBIT	100.00%	100.00%	100.00%	98.82%	99.13%
Return on Assets (ROA)	1.27%	1.70%	1.65%	1.74%	2.01%
Return on Equity (ROE)	11.19%	14.28%	16.42%	15.05%	19.66%
Return on Capital Employed (ROCE)	5.86%	6.14%	12.03%	2.34%	2.80%
Return on Invested Capital (ROIC)	4.55%	4.65%	9.66%	2.82%	10.88%
Return on Tangible Assets	1.29%	1.72%	1.66%	1.76%	2.04%
Earnings Yield	13.29%	19.59%	15.17%	20.93%	16.67%
Efficiency Ratios
Receivables Turnover	16.83	17.35	13.02	0.06	0.00
Payables Turnover	0.00	0.00	0.00	0.00	0.00
Inventory Turnover	0.00	0.00	0.00	0.00	0.00
Fixed Asset Turnover	18.46	24.69	28.08	12.05	13.79
Asset Turnover	0.07	0.08	0.07	0.03	0.04
Working Capital Turnover Ratio	-0.12	-0.12	-0.11	0.10	-4.18
Cash Conversion Cycle	21.69	21.04	28.04	6.39K	0.00
Days of Sales Outstanding	21.69	21.04	28.04	6.39K	0.00
Days of Inventory Outstanding	0.00	0.00	0.00	0.00	0.00
Days of Payables Outstanding	0.00	0.00	0.00	0.00	0.00
Operating Cycle	21.69	21.04	28.04	6.39K	0.00
Cash Flow Ratios
Operating Cash Flow Per Share	1.02	-18.62	-8.25	22.61	-1.14
Free Cash Flow Per Share	0.23	-19.03	-8.42	22.40	-1.22
CapEx Per Share	0.79	0.41	0.17	0.20	0.08
Free Cash Flow to Operating Cash Flow	0.22	1.02	1.02	0.99	1.07
Dividend Paid and CapEx Coverage Ratio	0.49	-12.01	-6.36	20.81	-1.41
Capital Expenditure Coverage Ratio	1.28	-45.42	-47.34	110.66	-13.50
Operating Cash Flow Coverage Ratio	0.02	-0.19	-0.37	1.02	-0.05
Operating Cash Flow to Sales Ratio	0.03	-0.58	-0.30	2.28	-0.11
Free Cash Flow Yield	0.56%	-52.18%	-19.77%	92.11%	-3.88%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	7.52	5.11	6.59	4.78	6.00
Price-to-Sales (P/S) Ratio	1.34	1.13	1.55	2.46	3.17
Price-to-Book (P/B) Ratio	0.83	0.73	1.08	0.72	1.18
Price-to-Free Cash Flow (P/FCF) Ratio	179.61	-1.92	-5.06	1.09	-25.77
Price-to-Operating Cash Flow Ratio	39.74	-1.96	-5.16	1.08	-27.68
Price-to-Earnings Growth (PEG) Ratio	-1.71	0.44	0.25	-0.79	0.25
Price-to-Fair Value	0.83	0.73	1.08	0.72	1.18
Enterprise Value Multiple	12.97	12.91	6.33	6.08	4.44
Enterprise Value	4.16B	5.50B	2.22B	1.78B	1.36B
EV to EBITDA	12.97	12.91	6.33	6.08	4.44
EV to Sales	3.00	3.80	1.87	4.18	3.17
EV to Free Cash Flow	402.67	-6.44	-6.10	1.84	-25.79
EV to Operating Cash Flow	89.14	-6.58	-6.23	1.83	-27.70
Tangible Book Value Per Share	43.70	45.60	35.31	30.04	23.80
Shareholders’ Equity Per Share	48.52	50.01	39.36	33.82	26.76
Tax and Other Ratios
Effective Tax Rate	0.22	0.24	0.20	0.25	0.26
Revenue Per Share	30.24	32.26	27.51	9.90	9.97
Net Income Per Share	5.38	7.14	6.46	5.09	5.26
Tax Burden	0.78	0.76	0.80	0.75	0.74
Interest Burden	1.00	1.00	1.00	1.00	1.00
Research & Development to Revenue	0.00	0.00	0.00	0.00	0.00
SG&A to Revenue	0.10	0.11	0.10	0.03	0.02
Stock-Based Compensation to Revenue	0.00	0.00	0.00	<0.01	<0.01
Income Quality	0.19	-2.61	-1.28	4.44	-0.22

Currency in USD