CUBI (CUBI)

Financial Metrics & Valuation Analysis

Enterprise Valuation (TTM)

Enterprise Value$4.91B
EV / Sales3.22
EV / EBITDA11.48
EV / Operating Cash Flow11.26
EV / Free Cash Flow16.63

Return Metrics (TTM)

Return on Equity (ROE)13.57%
Return on Assets (ROA)1.10%
Return on Invested Capital (ROIC)1.16%
Return on Capital Employed (ROCE)1.51%

Yield Metrics

Earnings Yield10.87%
Free Cash Flow Yield11.09%

Balance Sheet Strength

Net Debt / EBITDA5.25
Current Ratio0.00
Working Capital$188.67M
Tangible Asset Value$2.20B
Net Current Asset Value-$24.13B

Working Capital Efficiency

Days Sales Outstanding24.69
Days Payables Outstanding0.00
Operating Cycle (Days)24.69
Cash Conversion Cycle24.69

Capital Allocation

CapEx / Revenue9.23%
CapEx / Operating Cash Flow32.29%
R&D / Revenue0.00%
SG&A / Revenue17.44%

Fiscal Year 2025 Ratios

Audited annual results as of 2025-12-31

Margins

Gross Profit Margin51.59%
Operating Margin21.97%
Net Profit Margin15.84%

Solvency

Debt / Equity0.81
Quick Ratio0.01
Cash Ratio0.00

Per Share

Revenue / Share$41.37
FCF / Share$9.76
PE Ratio11.43