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US Bancorp (USB)
NYSE:USB
US Market
USB
US Bancorp
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US Bancorp (USB) Ratios

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US Bancorp Ratios

USB's free cash flow for Q4 2025 was $0.67. For the 2025 fiscal year, USB's free cash flow was decreased by $ and operating cash flow was $0.23. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.40 0.26 0.28 0.26 0.24
Quick Ratio
 0.40 0.26 0.28 0.26 0.24
Cash Ratio
 0.09 0.09 0.11 0.12 0.10
Solvency Ratio
 0.01 0.01 0.01 0.01 0.01
Operating Cash Flow Ratio
 0.02 0.01 0.02 0.02 0.04
Short-Term Operating Cash Flow Coverage
 0.54 0.46 0.73 0.55 0.68
Net Current Asset Value
$ -414.50B$ -488.96B$ -468.14B$ -468.82B$ -487.90B
Leverage Ratios
Debt-to-Assets Ratio
 0.11 0.11 0.11 0.10 0.11
Debt-to-Equity Ratio
 1.20 1.20 1.26 1.21 1.40
Debt-to-Capital Ratio
 0.55 0.54 0.56 0.55 0.58
Long-Term Debt-to-Capital Ratio
 0.48 0.48 0.50 0.48 0.44
Financial Leverage Ratio
 10.66 10.62 11.58 12.00 13.29
Debt Service Coverage Ratio
 0.26 0.27 0.24 0.23 0.19
Interest Coverage Ratio
 0.69 0.66 0.51 0.54 2.27
Debt to Market Cap
 0.92 0.94 0.99 1.00 1.09
Interest Debt Per Share
 60.29 59.32 56.99 51.44 49.87
Net Debt to EBITDA
 2.98 3.02 1.92 0.71 2.23
Profitability Margins
Gross Profit Margin
62.81%62.83%58.76%63.36%81.04%
EBIT Margin
22.56%22.20%18.52%16.90%26.65%
EBITDA Margin
23.85%24.01%20.72%19.40%28.69%
Operating Profit Margin
23.18%22.20%18.52%16.90%26.65%
Pretax Profit Margin
22.56%22.20%18.52%16.90%26.65%
Net Profit Margin
18.02%17.68%14.75%13.36%21.26%
Continuous Operations Profit Margin
18.06%17.72%14.82%13.44%21.31%
Net Income Per EBT
79.90%79.60%79.64%79.08%79.78%
EBT Per EBIT
97.30%100.00%100.00%100.00%100.00%
Return on Assets (ROA)
1.11%1.09%0.93%0.82%0.86%
Return on Equity (ROE)
12.22%11.62%10.75%9.82%11.47%
Return on Capital Employed (ROCE)
6.48%6.22%5.47%5.05%6.16%
Return on Invested Capital (ROIC)
4.66%4.46%3.96%3.61%3.90%
Return on Tangible Assets
1.14%1.12%0.95%0.84%0.89%
Earnings Yield
9.04%9.13%8.44%8.13%8.97%
Efficiency Ratios
Receivables Turnover
 0.00 0.00 5.16 4.87 2.72
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
 11.35 11.38 11.98 11.21 7.10
Asset Turnover
 0.06 0.06 0.06 0.06 0.04
Working Capital Turnover Ratio
 -0.12 -0.11 -0.11 -0.10 -0.08
Cash Conversion Cycle
 0.00 0.00 70.67 74.93 134.29
Days of Sales Outstanding
 0.00 0.00 70.67 74.93 134.29
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
 0.00 0.00 70.67 74.93 134.29
Cash Flow Ratios
Operating Cash Flow Per Share
 6.17 5.13 7.23 5.47 14.18
Free Cash Flow Per Share
 6.17 5.13 7.23 5.47 14.18
CapEx Per Share
 0.00 0.00 0.00 0.00 0.00
Free Cash Flow to Operating Cash Flow
 1.00 1.00 1.00 1.00 1.00
Dividend Paid and CapEx Coverage Ratio
 2.72 2.28 3.27 2.55 6.87
Capital Expenditure Coverage Ratio
 0.00 0.00 0.00 0.00 0.00
Operating Cash Flow Coverage Ratio
 0.12 0.10 0.15 0.13 0.30
Operating Cash Flow to Sales Ratio
 0.22 0.19 0.26 0.21 0.77
Free Cash Flow Yield
11.10%9.61%15.11%12.65%32.52%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 11.06 10.95 11.85 12.30 11.15
Price-to-Sales (P/S) Ratio
 1.99 1.94 1.75 1.64 2.37
Price-to-Book (P/B) Ratio
 1.31 1.27 1.27 1.21 1.28
Price-to-Free Cash Flow (P/FCF) Ratio
 9.01 10.41 6.62 7.91 3.07
Price-to-Operating Cash Flow Ratio
 9.00 10.41 6.62 7.91 3.07
Price-to-Earnings Growth (PEG) Ratio
 0.61 0.50 0.74 -1.08 -0.40
Price-to-Fair Value
 1.31 1.27 1.27 1.21 1.28
Enterprise Value Multiple
 11.34 11.08 10.36 9.18 10.49
Enterprise Value
 117.26B 114.01B 91.63B 72.35B 82.44B
EV to EBITDA
 11.34 11.08 10.36 9.18 10.49
EV to Sales
 2.71 2.66 2.15 1.78 3.01
EV to Free Cash Flow
 12.22 14.30 8.13 8.56 3.90
EV to Operating Cash Flow
 12.22 14.30 8.13 8.56 3.90
Tangible Book Value Per Share
 31.42 30.94 26.25 24.11 21.29
Shareholders’ Equity Per Share
 42.33 41.92 37.55 35.84 34.09
Tax and Other Ratios
Effective Tax Rate
 0.20 0.20 0.20 0.20 0.20
Revenue Per Share
 27.89 27.56 27.38 26.33 18.40
Net Income Per Share
 5.03 4.87 4.04 3.52 3.91
Tax Burden
 0.80 0.80 0.80 0.79 0.80
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
 0.30 0.29 0.26 0.26 0.33
Stock-Based Compensation to Revenue
 0.00 0.00 0.00 0.00 0.00
Income Quality
 1.23 1.05 1.79 1.56 3.63
Currency in USD