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Financial Institutions Financial Ratios 2025-2001 | FISI
Brief overview of Financial Institutions's valuation and returns
This overview follows the five latest available observations from 2020 through 2025.
Key multiples at the end of the period are P/E 8.25x (median 6.51x), P/B 0.98x (median 0.88x), P/CF 32.85x (median 6.93x). Multiples are on average 26.7% above their own medians. A substantial share of positive expectations may already be priced in.
Earnings yield calculated as 1/P/E is about 12.1%, showing current profit per unit of share price.
Returns on assets and capital are represented by ROE 11.9%, ROA 1.2%. Capital returns look adequate and support overall financial resilience.
On PEG (0.51x), valuation is restrained relative to growth, but one ratio cannot replace cash-flow and risk analysis.
Financial-company multiples cannot be compared directly with industrial businesses; P/B and sustainable capital returns remain central.
What the ratios show
Financial Institutions's profitability supports higher multiples, although much of the quality is already reflected in price.
Annual Financial Ratios Financial Institutions
| 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 | 2014 | 2013 | 2012 | 2011 | 2010 | 2009 | 2008 | 2001 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
P/E |
8.2 | -11.6 | 5.7 | 6.3 | 6.5 | 11.1 | 9.9 | 10.9 | 14.1 | 14.9 | 13.6 | 10.4 | 11.7 | 11.4 | 9.7 | 9.4 | 10.1 | - | - |
P/S |
- | - | - | - | - | - | 2.9 | 2.7 | 3.2 | 3.4 | 3.1 | 2.5 | 2.6 | 2.4 | 2.1 | - | - | - | - |
EPS |
3.6 | -2.8 | 3.2 | 3.6 | 4.8 | 2.3 | 3.0 | 2.4 | 2.1 | 2.1 | 1.9 | 2.0 | 1.8 | 1.6 | 1.5 | 1.6 | 1.0 | - | - |
EV (Enterprise Value) |
6.15 B | 5.94 B | 5.87 B | 5.75 B | 5.52 B | 4.87 B | 4.43 B | 4.35 B | 4.2 B | 3.87 B | 3.47 B | 3.06 B | 2.91 B | 2.72 B | 2.26 B | 2.16 B | 103 M | -55.2 M | - |
EBITDA per Share |
0.39 | 0.49 | 0.53 | 0.53 | 0.51 | 0.49 | - | - | - | - | - | - | - | - | - | 0.33 | 0.38 | - | - |
EV/EBITDA |
780.8 | 774.3 | 725.3 | 708.7 | 684.1 | 7.5 | - | - | - | - | - | - | - | - | - | 611.4 | 25.3 | - | - |
PEG |
-2.07 | - | - | - | - | -0.5 | 0.51 | 0.95 | 2.51 | 1.42 | -2.74 | 1.28 | 1.37 | 0.81 | -1.31 | - | - | - | - |
P/B |
1.0 | 0.8 | 0.6 | 0.9 | 1.0 | 0.9 | 1.1 | 1.1 | 1.2 | 1.5 | 1.3 | 1.1 | 1.2 | 1.1 | 0.9 | 0.9 | - | - | - |
P/CF |
32.8 | 6.2 | 26.3 | 2.7 | 6.9 | 9.8 | 9.0 | 6.9 | 12.3 | 12.2 | 10.9 | 10.2 | 8.9 | 8.1 | 7.8 | 5.6 | 6.5 | - | - |
ROE % |
11.91 | -7.32 | 11.05 | 13.95 | 15.38 | 8.18 | 11.13 | 9.97 | 8.80 | 9.98 | 9.64 | 10.50 | 10.02 | 9.24 | 9.61 | 10.03 | 7.28 | - | - |
ROA % |
1.19 | -0.68 | 0.82 | 0.98 | 1.41 | 0.78 | 1.11 | 0.92 | 0.82 | 0.86 | 0.84 | 0.95 | 0.87 | 0.85 | 0.98 | 0.96 | - | - | - |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 0.1 | 0.1 | 0.2 | 0.2 | 0.2 | 0.2 | - | - | 0.0 | 1.1 | - | - | - |
All numbers in USD currency
Quarterly Financial Ratios Financial Institutions
| 2026-Q2 | 2026-Q1 | 2025-Q3 | 2025-Q2 | 2025-Q1 | 2024-Q3 | 2024-Q2 | 2024-Q1 | 2023-Q3 | 2023-Q2 | 2023-Q1 | 2022-Q4 | 2022-Q3 | 2022-Q2 | 2022-Q1 | 2021-Q4 | 2021-Q3 | 2021-Q2 | 2021-Q1 | 2020-Q4 | 2020-Q3 | 2020-Q2 | 2020-Q1 | 2019-Q4 | 2019-Q3 | 2019-Q2 | 2019-Q1 | 2018-Q4 | 2018-Q3 | 2018-Q2 | 2018-Q1 | 2017-Q4 | 2017-Q3 | 2017-Q2 | 2017-Q1 | 2016-Q4 | 2016-Q3 | 2016-Q2 | 2016-Q1 | 2015-Q4 | 2015-Q3 | 2015-Q2 | 2015-Q1 | 2014-Q4 | 2014-Q3 | 2014-Q2 | 2014-Q1 | 2013-Q4 | 2013-Q3 | 2013-Q2 | 2013-Q1 | 2012-Q4 | 2012-Q3 | 2012-Q2 | 2012-Q1 | 2011-Q4 | 2011-Q3 | 2011-Q2 | 2011-Q1 | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
EPS |
1.06 | 1.05 | 1 | 0.85 | 0.82 | 0.85 | 1.64 | 0.11 | 0.89 | 0.91 | 0.76 | - | 0.88 | 1 | 0.94 | - | 1.06 | 1.25 | 1.28 | - | 0.74 | 0.67 | 0.05 | - | 0.78 | 0.69 | 0.7 | - | 0.64 | 0.74 | 0.56 | - | 0.52 | 0.4 | 0.52 | - | 0.56 | 0.47 | 0.5 | - | 0.56 | 0.44 | 0.46 | - | 0.49 | 0.48 | 0.5 | - | 0.42 | 0.47 | 0.42 | - | 0.28 | 0.46 | 0.43 | - | 0.38 | 0.39 | 0.33 |
EBITDA per Share |
0.19 | 0.09 | 0.01 | 0.01 | 0.1 | 0.01 | 0.01 | 0.13 | 0.01 | 0.01 | 0.13 | - | 0.02 | 0.02 | 0.12 | - | 0.38 | 0.25 | 0.12 | - | 0.37 | 0.25 | 0.12 | - | 0.39 | 0.26 | 0.13 | - | 0.3 | 0.2 | 0.1 | - | 0.3 | 0.21 | 0.1 | - | 0.31 | 0.21 | 0.1 | - | 0.29 | 0.19 | 0.09 | - | 0.23 | 0.15 | 0.07 | - | 0.23 | 0.15 | 0.08 | - | 0.2 | 0.13 | 0.06 | - | 0.19 | 0.12 | 74.9 |
ROE % |
12.82 | 12.39 | 11.76 | 13.95 | 11.50 | 12.07 | 12.75 | 10.13 | 13.18 | 13.42 | 13.40 | 10.54 | 14.02 | 14.65 | 15.42 | 12.06 | 14.69 | 13.59 | 9.68 | 5.24 | 8.16 | 8.14 | 8.39 | 8.15 | 10.81 | 10.96 | 10.71 | 8.08 | 10.26 | 9.23 | 8.24 | 5.89 | 8.54 | 8.60 | 9.34 | 7.26 | 10.09 | 9.69 | 9.77 | 7.39 | 9.96 | 9.64 | 9.98 | 7.67 | 10.09 | 10.20 | 10.10 | 7.52 | 9.20 | 9.40 | 9.15 | 6.74 | 9.06 | 9.79 | 9.62 | 7.18 | 2.32 | 2.41 | 2.45 |
ROA % |
1.28 | 1.21 | 1.10 | 1.19 | 0.94 | 0.90 | 0.91 | 0.70 | 0.91 | 0.96 | 1.00 | 0.79 | 1.10 | 1.23 | 1.34 | 1.08 | 1.33 | 1.25 | 0.89 | 0.50 | 0.79 | 0.80 | 0.84 | 0.82 | 1.06 | 1.05 | 1.01 | 0.74 | 0.94 | 0.85 | 0.76 | 0.55 | 0.78 | 0.77 | 0.82 | 0.63 | 0.87 | 0.84 | 0.85 | 0.64 | 0.87 | 0.86 | 0.89 | 0.69 | 0.90 | 0.91 | 0.89 | 0.65 | 0.81 | 0.84 | 0.83 | 0.62 | 0.85 | 0.95 | 0.95 | 0.73 | 0.24 | 0.24 | 0.25 |
Current Ratio |
1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 | 1.1 |
All numbers in USD currency
Multiples are an important financial analysis tool for the company Financial Institutions, allowing investors and analysts to quickly assess the company’s value and investment attractiveness based on the ratio of market indicators to the company’s financial performance. Essentially, multiples express how the market values the company relative to its earnings, revenue, equity, or other key metrics.
Advantages of Using Financial Ratios- Simplified Data Analysis
Financial ratios transform large volumes of accounting data into compact and easily interpretable indicators, significantly simplifying the assessment of the company’s condition. - Comparability Between Companies
Multiples standardize financial metrics, enabling objective comparison of companies of different sizes, industries, and market capitalizations. - Identification of Trends and Issues
Regular analysis of ratios helps track the dynamics of financial health, identify strengths and weaknesses of the business, as well as potential risks. - Decision Support
Financial multiples serve as an important tool for investors, creditors, and company management in making investment, credit, and managerial decisions. - Accelerated Assessment of Investment Attractiveness
Ratios allow quick determination of key performance, liquidity, and financial stability indicators, facilitating prompt evaluation of companies’ attractiveness for investments.
Using multiples enables comparison between companies, even if they differ in size or industry, as they standardize financial data into ratios convenient for analysis. This is especially useful for evaluating companies where direct analysis of financial statements may be complex or require in-depth knowledge.
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