FinWise Bancorp cash flow to debt ratio of -644.83% indicates that the company cannot generate enough cash to cover its debt over time. This level indicates weak financial health.

FinWise Bancorp's free cash flow has decreased 71.94% from $-19.89M last year to $-34.19M, signaling decreasing performance

FinWise Bancorp's debt to equity ratio is 0.00, which means that the company's assets are healthy financed, signaling financial stability.

FinWise Bancorp's debt has decreased relative to shareholder equity from 0.03 last year to 0.00 today, signaling strengthened financials

FinWise Bancorp has a net cash position, so leverage is healthy.

FinWise Bancorp earns at least as much interest as it pays. Interest obligations are fully covered.

FinWise Bancorp's profit margin has decreased (48.23%) in the last year from 13.07% to 6.77%, signaling decreasing performance

FinWise Bancorp's short-term liabilities of $758.03M exceed its short-term assets of $167.11M, signaling financial risk

FinWise Bancorp's return on assets of 1.48% is lower than the 5.00% threshold, indicating inefficient asset utilization

FinWise Bancorp's return on equity of 7.04%, is lower than 15.00%, indicating bad performance

FinWise Bancorp's operating cash flow is lower than its net income, indicating that earnings may not be fully backed by cash generation

FinWise Bancorp has insufficient public price history to evaluate earnings stability.

FinWise Bancorp has negative free cash flow, indicating the company is burning cash rather than generating it

FinWise Bancorp has negative free cash flow, indicating cash burn

FinWise Bancorp's yearly earnings has increased 26.28% since last year from $12.74M to $16.09M, signaling increasing performance

FinWise Bancorp's yearly revenue has decreased 5.11% since last year from $97.46M to $92.48M, signaling decreasing performance

ROIC 1.48% (Source: FMP key-metrics). Below the 5% partial-credit threshold. Score: 0 of 2. The 5% and 10% cutoffs anchor to typical US weighted-average cost of capital. Below 5% indicates the company is not generating returns above its likely cost of capital under this definition of invested capital. Invested capital here includes equity, non-current liabilities (pension obligations, deferred taxes, lease obligations), and short-term debt. Cash is not subtracted. Companies with substantial float, lease portfolios, or cash holdings will score lower under this definition than under narrower operating-capital definitions. See methodology.

FinWise Bancorp's 3-year revenue CAGR of 18.72% is positive, indicating growing revenue over the past 3 years

FinWise Bancorp had revenue growth in 4 out of 5 years, indicating consistent revenue performance

FinWise Bancorp has insufficient public price history to evaluate ROE consistency.

FinWise Bancorp has insufficient data to evaluate this check.

FinWise Bancorp has an earnings yield of 7.61%, which is above the 4.00% threshold, indicating the stock offers reasonable value relative to its earnings

FinWise Bancorp is overvalued relative to its fair value price of 11.70 based on EBITDA multiple model

FinWise Bancorp has an EV/EBITDA ratio of 1.09x, which is below the 20.00x threshold, indicating reasonable valuation relative to its operating earnings

FinWise Bancorp has insufficient data to evaluate this check.

FinWise Bancorp's earnings growth over the measurement period is negative; the PEG ratio is not meaningful and the check fails.

FinWise Bancorp has a price-to-book ratio of 0.90x, which is below the 5.00x threshold, indicating reasonable valuation relative to its book value

FinWise Bancorp has a price-to-sales ratio of 0.89x, which is below the 8.00x threshold, indicating reasonable valuation relative to its revenue