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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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128 Followers

Merchants Bancorp Ratios

MBIN's free cash flow for Q4 2025 was $0.44. For the 2025 fiscal year, MBIN's free cash flow was decreased by $ and operating cash flow was $0.21. See a summary of the company’s cash flow.

Ratios	TTM	Dec 25	Dec 24	Dec 23	Dec 22
Liquidity Ratios
Current Ratio	3.17	3.17	0.05	0.13	0.06
Quick Ratio	3.17	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	-0.04	-0.09	-0.07	-0.03	0.10
Short-Term Operating Cash Flow Coverage	-0.04	-0.09	0.00	0.00	32.53
Net Current Asset Value	$ -5.25B	$ -5.25B	$ -15.91B	$ -13.46B	$ -10.55B
Leverage Ratios
Debt-to-Assets Ratio	0.20	0.20	0.23	0.06	0.07
Debt-to-Equity Ratio	1.68	1.68	1.93	0.57	0.64
Debt-to-Capital Ratio	0.63	0.63	0.66	0.36	0.39
Long-Term Debt-to-Capital Ratio	0.03	0.03	0.66	0.36	0.38
Financial Leverage Ratio	8.53	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	0.39	0.39	0.54	0.55	1.79
Debt to Market Cap	2.00	2.46	2.65	0.52	0.90
Interest Debt Per Share	98.63	98.67	114.06	36.87	25.55
Net Debt to EBITDA	14.38	14.32	9.07	1.08	2.43
Profitability Margins
Gross Profit Margin	41.15%	41.29%	44.41%	43.66%	70.17%
EBIT Margin	19.37%	19.32%	29.21%	29.26%	48.36%
EBITDA Margin	19.54%	19.58%	29.42%	29.50%	48.77%
Operating Profit Margin	19.37%	19.32%	29.21%	29.26%	48.36%
Pretax Profit Margin	19.37%	19.32%	29.21%	29.26%	48.36%
Net Profit Margin	16.06%	16.02%	22.14%	23.48%	36.49%
Continuous Operations Profit Margin	16.06%	16.02%	22.14%	23.48%	36.49%
Net Income Per EBT	82.93%	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)	9.89%	9.59%	14.28%	16.42%	15.05%
Return on Capital Employed (ROCE)	1.68%	1.68%	6.14%	12.03%	11.58%
Return on Invested Capital (ROIC)	1.82%	1.82%	4.65%	9.66%	8.64%
Return on Tangible Assets	1.13%	1.13%	1.72%	1.66%	1.76%
Earnings Yield	11.46%	14.00%	19.59%	15.17%	20.93%
Efficiency Ratios
Receivables Turnover	0.12	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	18.42	18.47	24.69	28.08	16.99
Asset Turnover	0.07	0.07	0.08	0.07	0.05
Working Capital Turnover Ratio	-0.61	-0.88	-0.12	-0.11	-0.07
Cash Conversion Cycle	2.96K	2.95K	21.04	28.04	34.11
Days of Sales Outstanding	2.96K	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	2.96K	2.95K	21.04	28.04	34.11
Cash Flow Ratios
Operating Cash Flow Per Share	-2.96	-7.44	-18.62	-8.25	22.61
Free Cash Flow Per Share	-3.70	-8.21	-19.03	-8.42	22.40
CapEx Per Share	0.74	0.77	0.41	0.17	0.20
Free Cash Flow to Operating Cash Flow	1.25	1.10	1.02	1.02	0.99
Dividend Paid and CapEx Coverage Ratio	-1.46	-3.60	-12.01	-6.36	20.81
Capital Expenditure Coverage Ratio	-4.01	-9.63	-45.42	-47.34	110.66
Operating Cash Flow Coverage Ratio	-0.04	-0.09	-0.19	-0.37	1.04
Operating Cash Flow to Sales Ratio	-0.10	-0.25	-0.58	-0.30	1.62
Free Cash Flow Yield	-8.88%	-24.11%	-52.18%	-19.77%	92.11%
Valuation Ratios
Price-to-Earnings (P/E) Ratio	8.76	7.14	5.11	6.59	4.78
Price-to-Sales (P/S) Ratio	1.41	1.14	1.13	1.55	1.74
Price-to-Book (P/B) Ratio	0.84	0.69	0.73	1.08	0.72
Price-to-Free Cash Flow (P/FCF) Ratio	-11.30	-4.15	-1.92	-5.06	1.09
Price-to-Operating Cash Flow Ratio	-14.10	-4.58	-1.96	-5.16	1.08
Price-to-Earnings Growth (PEG) Ratio	-0.66	-0.18	0.44	0.25	-0.79
Price-to-Fair Value	0.84	0.69	0.73	1.08	0.72
Enterprise Value Multiple	21.59	20.16	12.91	6.33	6.01
Enterprise Value	5.74B	5.39B	5.50B	2.22B	1.76B
EV to EBITDA	21.56	20.16	12.91	6.33	6.01
EV to Sales	4.21	3.95	3.80	1.87	2.93
EV to Free Cash Flow	-33.79	-14.31	-6.44	-6.10	1.82
EV to Operating Cash Flow	-42.21	-15.79	-6.58	-6.23	1.81
Tangible Book Value Per Share	49.52	49.54	45.60	35.31	30.04
Shareholders’ Equity Per Share	49.70	49.72	50.01	39.36	33.82
Tax and Other Ratios
Effective Tax Rate	0.17	0.17	0.24	0.20	0.25
Revenue Per Share	29.68	29.76	32.26	27.51	13.95
Net Income Per Share	4.77	4.77	7.14	6.46	5.09
Tax Burden	0.83	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	0.11	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	-0.62	-1.56	-2.61	-1.28	4.44

Currency in USD