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Isabella Bank Corp

NAS:ISBAFinancial ServicesCBOEFTSE:MRUTNASDAQ:BANK

$36.27−1.20%At closeAt close · Tue 20 Oct · ≈ AED 133.20 · Market cap $276.7M · Next earnings Mon 19 Oct

Ratio	FY2020	FY2021	FY2022	FY2023	FY2024	FY2025	Current · undated	YoY
Gross margin	79.6%	90.3%	92.4%	75.4%	64.6%	70.6%	—	—
Operating margin	15.7%	32.8%	35.1%	24.1%	16.1%	19.8%	19.8%	+0.0 pts
Net margin	14.4%	27.4%	29.0%	20.0%	13.7%	16.9%	16.9%	+0.0 pts
EBITDA margin	19.9%	36.9%	37.8%	26.2%	18.2%	19.9%	—	—
Return on equity	5.0%	9.2%	11.9%	9.0%	6.6%	8.2%	8.2%	+0.0 pts
Return on assets	0.6%	1.0%	1.1%	0.9%	0.7%	0.9%	0.9%	+0.0 pts
Return on capital employed	3.8%	9.0%	12.5%	7.6%	5.7%	6.9%	—	—
Debt / equity	0.7×	0.5×	0.5×	0.6×	0.5×	0.6×	0.6×	+0.0%
Debt / assets	8.1%	4.9%	4.3%	5.6%	5.4%	6.5%	—	—
Interest coverage	0.9×	3.1×	5.0×	1.0×	0.5×	0.7×	—	—
Current ratio	0.4×	0.3×	0.4×	0.3×	0.1×	0.1×	0.1×	+0.0%
Quick ratio	0.4×	0.3×	0.4×	0.3×	0.1×	0.1×	—	—
Cash ratio	0.1×	0.1×	0.0×	0.0×	0.0×	0.0×	0.0×	+0.0%
Asset turnover	0.0×	0.0×	0.0×	0.0×	0.0×	0.1×	—	—
Receivables turnover	3.6×	3.6×	2.3×	2.6×	—	—	—	—
Dividend payout	78.3%	42.9%	36.3%	45.2%	58.7%	42.8%	—	—