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Merchants Bancorp (MBIN)
NASDAQ:MBIN
US Market
MBIN
Merchants Bancorp
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Merchants Bancorp (MBIN) Ratios

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Merchants Bancorp Ratios

MBIN's free cash flow for Q1 2026 was $0.50. For the 2026 fiscal year, MBIN's free cash flow was decreased by $ and operating cash flow was $0.27. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.02 3.17 0.05 0.13 0.06
Quick Ratio
 0.02 3.17 0.05 0.13 0.06
Cash Ratio
 <0.01 <0.01 0.04 0.04 0.02
Solvency Ratio
 0.01 0.01 0.02 0.02 0.02
Operating Cash Flow Ratio
 -0.24 -0.04 -0.07 -0.03 0.10
Short-Term Operating Cash Flow Coverage
 -0.24 -0.04 0.00 0.00 32.53
Net Current Asset Value
$ -17.89B$ -5.25B$ -15.91B$ -13.46B$ -10.55B
Leverage Ratios
Debt-to-Assets Ratio
 0.24 0.20 0.23 0.06 0.07
Debt-to-Equity Ratio
 2.05 1.68 1.93 0.57 0.64
Debt-to-Capital Ratio
 0.67 0.63 0.66 0.36 0.39
Long-Term Debt-to-Capital Ratio
 0.15 0.03 0.66 0.36 0.38
Financial Leverage Ratio
 8.72 8.53 8.38 9.97 8.64
Debt Service Coverage Ratio
 0.05 0.05 0.41 0.45 1.16
Interest Coverage Ratio
 0.41 0.39 0.54 0.55 1.79
Debt to Market Cap
 2.26 2.46 2.65 0.52 0.90
Interest Debt Per Share
 118.63 98.67 114.06 36.87 25.55
Net Debt to EBITDA
 17.46 14.32 9.07 1.08 2.43
Profitability Margins
Gross Profit Margin
42.59%41.29%44.41%43.66%70.17%
EBIT Margin
19.84%19.32%29.21%29.26%48.36%
EBITDA Margin
19.95%19.58%29.42%29.50%48.77%
Operating Profit Margin
19.84%19.32%29.21%29.26%48.36%
Pretax Profit Margin
19.84%19.32%29.21%29.26%48.36%
Net Profit Margin
16.67%16.02%22.14%23.48%36.49%
Continuous Operations Profit Margin
16.67%16.02%22.14%23.48%36.49%
Net Income Per EBT
84.04%82.93%75.81%80.26%75.47%
EBT Per EBIT
100.00%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.12%1.12%1.70%1.65%1.74%
Return on Equity (ROE)
10.12%9.59%14.28%16.42%15.05%
Return on Capital Employed (ROCE)
1.70%1.68%6.14%12.03%11.58%
Return on Invested Capital (ROIC)
1.12%1.82%4.65%9.66%8.64%
Return on Tangible Assets
1.12%1.13%1.72%1.66%1.76%
Earnings Yield
10.80%14.00%19.59%15.17%20.93%
Efficiency Ratios
Receivables Turnover
 17.70 0.12 17.35 13.02 10.70
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
 15.72 18.47 24.69 28.08 16.99
Asset Turnover
 0.07 0.07 0.08 0.07 0.05
Working Capital Turnover Ratio
 0.70 -0.88 -0.12 -0.11 -0.07
Cash Conversion Cycle
 20.62 2.95K 21.04 28.04 34.11
Days of Sales Outstanding
 20.62 2.95K 21.04 28.04 34.11
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
 20.62 2.95K 21.04 28.04 34.11
Cash Flow Ratios
Operating Cash Flow Per Share
 -23.17 -3.26 -18.62 -8.25 22.61
Free Cash Flow Per Share
 -23.79 -3.71 -19.03 -8.42 22.40
CapEx Per Share
 0.61 0.46 0.41 0.17 0.20
Free Cash Flow to Operating Cash Flow
 1.03 1.14 1.02 1.02 0.99
Dividend Paid and CapEx Coverage Ratio
 -12.09 -1.86 -12.01 -6.36 20.81
Capital Expenditure Coverage Ratio
 -37.80 -7.13 -45.42 -47.34 110.66
Operating Cash Flow Coverage Ratio
 -0.22 -0.04 -0.19 -0.37 1.04
Operating Cash Flow to Sales Ratio
 -0.78 -0.11 -0.58 -0.30 1.62
Free Cash Flow Yield
-51.67%-10.90%-52.18%-19.77%92.11%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 9.26 7.14 5.11 6.59 4.78
Price-to-Sales (P/S) Ratio
 1.54 1.14 1.13 1.55 1.74
Price-to-Book (P/B) Ratio
 0.91 0.69 0.73 1.08 0.72
Price-to-Free Cash Flow (P/FCF) Ratio
 -1.94 -9.17 -1.92 -5.06 1.09
Price-to-Operating Cash Flow Ratio
 -1.99 -10.46 -1.96 -5.16 1.08
Price-to-Earnings Growth (PEG) Ratio
 -0.37 -0.18 0.44 0.25 -0.79
Price-to-Fair Value
 0.91 0.69 0.73 1.08 0.72
Enterprise Value Multiple
 25.20 20.16 12.91 6.33 6.01
Enterprise Value
 6.88B 5.39B 5.50B 2.22B 1.76B
EV to EBITDA
 25.20 20.16 12.91 6.33 6.01
EV to Sales
 5.03 3.95 3.80 1.87 2.93
EV to Free Cash Flow
 -6.30 -31.64 -6.44 -6.10 1.82
EV to Operating Cash Flow
 -6.47 -36.08 -6.58 -6.23 1.81
Tangible Book Value Per Share
 50.56 49.54 45.60 35.31 30.04
Shareholders’ Equity Per Share
 50.74 49.72 50.01 39.36 33.82
Tax and Other Ratios
Effective Tax Rate
 0.16 0.17 0.24 0.20 0.25
Revenue Per Share
 29.81 29.76 32.26 27.51 13.95
Net Income Per Share
 4.97 4.77 7.14 6.46 5.09
Tax Burden
 0.84 0.83 0.76 0.80 0.75
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
 0.08 0.13 0.11 0.10 0.15
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 -4.66 -0.68 -2.61 -1.28 4.44
Currency in USD