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FinWise

NMQ:FINW · US31813A1097
BanksX-Small

360

76
Profit price32
Cash yield1
Price/Sales100
EV / Gross Profit91
Price/Book76
Returns on capital51
Profit margins—
Cash Conversion10
Accruals5
Owner Earnings Margin18
Sales growth100
Profit Growth1
Owner Earnings Growth82
Reinvestment67
Price momentum10
Debt load84
Debt serviceability20
Liquidity72
Analyst ratings78
Opinion Changes50
Price Target Upside97
Market mood63
Value Creation13/20creating some value
  • Creates more value than its capital costs
  • Owner earnings growing
  • Owner earnings per share growing
  • Reinvests at strong returns
  • Solid earnings base

What this means

FinWise clears its cost of capital, but the record is mixed across the five tests. Real value creation, just not yet consistent.

Based on 3/5 components.

Profile

CountryUSA
IndustryBanks
SizeX-Small
TypePublic Company
ExchangeNASDAQGM
Founded2002
Websiteinvestors.finwisebancorp.com/about-us
ISINUS31813A1097
Last UpdateApr 2, 2026
Indices
NASDAQ (USA)
Themes
BankingFinancial Services

Description

FinWise Bancorp operates as the bank holding company for FinWise Bank that provides various banking services. The company’s business is conducted through three reportable segments: traditional banking, banking as a service (‘BaaS’) and treasury & ad…

Analysis

Quality compounder

FinWise Bancorp is a quality compounder: a well-run business trading at a price that reflects what it is worth.

The price is attractive. You pay 12.5× its owner earnings: the cash an owner could take out each year, which is in the historically attractive zone.

The trajectory is moderate and the balance sheet is stretched. The company scores 13/20 on our value-creation score: creating some value. Analysts lean positive.

Nothing is flagged here: no red or amber gates, no divergence between profits and cash. That is itself information: the numbers are straightforward. As always: this describes the company's numbers; it is not a recommendation.

360° rank · history

1007550250
42
2023202420252026

All-time high

100

Jan 2024

All-time low

18

Jan 2025

Average rank

60

across all years

Detailed & Historical Ranks

Deep dive into 15 detailed ranks and 3 years of history.

Current202520242023
Price/Sales
100
73
85
34
Price/Earnings
25
13
55
94
Price/Book
76
21
38
1
Dividend Yield
1
1
1
1
Value (overall)
53
13
39
19

Cells are coloured by rank band (red weak → green strong). Sentiment & 360° history begins 2023.

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Make Sense of the Ranks

Every rank runs 1–100 against true peers. Higher is always better.

360° View
1 · Watch OutGood· 100
Value
1 · ExpensiveGood Value· 100
Quality
1 · Weak FundamentalsHigh Quality· 100
Growth
1 · Tough TimesHigh Growth· 100
Safety
1 · High LeverageWell-Financed· 100
Sentiment
1 · SkepticismPositive· 100
Learn More →