Finwise Bancorp (FINW) FCF Margin (2021 - 2026)
Finwise Bancorp's FCF Margin was -47.30% in Q2 2026, up 44.69 percentage points from -92.00% a year earlier but down 93.39 percentage points from the prior quarter.
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Analysis
Finwise Bancorp (FINW) FCF Margin (2021 - 2026) Analysis & Trends
On a trailing twelve-month basis, Finwise Bancorp's FCF Margin was 3.38% through Jun 30, 2026, up 68.20 percentage points year-over-year; for FY2025, it came in at -26.17%, down 1.74 percentage points from FY2024.
- FCF Margin has now declined for three consecutive years, with a four-year change of -11.68 percentage points (FY2021 to FY2025).
- In earlier years, FCF Margin was -24.43% in FY2024 (-30.75 pp), 6.32% in FY2023 (-54.76 pp), 61.08% in FY2022 (+75.57 pp) and -14.49% in FY2021.
- Quarterly FCF Margin has moved between -105.25% (Q1 2025) and 190.76% (Q2 2022) over five years.
- Compared with a year earlier, FCF Margin has increased for four straight quarters, with an average year-over-year change of -0.78 percentage points over the last eight quarters.
- The best year-over-year quarter for FCF Margin over five years was Q2 2022 (a gain of 278.97 percentage points); the worst was Q2 2023 (a drop of 261.98 percentage points).
- Per Business Quant data, FINW's FCF Margin in the three quarters before Q2 2026 was 46.09% (Q1 2026), 17.23% (Q4 2025) and 11.04% (Q3 2025).
Peer Set
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | FCF Margin (Qtr) |
|---|---|---|---|---|---|
| 1 | Jpmorgan Chase | 918.91 Bn | 918.91 Bn | - | 66.09% |
| 2 | Banco Santander Chile | 870.35 Bn | 846.93 Bn | - | - |
| 3 | Bank Of America | 358.55 Bn | -2,017.56 Bn | - | -21.69% |
| 4 | Hsbc Holdings | 315.74 Bn | -668.95 Bn | - | - |
| 5 | Morgan Stanley | 290.88 Bn | -253.14 Bn | - | -230.94% |
| 6 | Royal Bank Of Canada | 287.92 Bn | 137.98 Bn | - | 189.34% |
| 7 | Goldman Sachs | 270.57 Bn | -3,472.88 Bn | - | 19.57% |
| 8 | Wells Fargo & Company | 258.79 Bn | 258.79 Bn | - | 40.54% |
| 9 | Mitsubishi Ufj Financial | 247.94 Bn | 129.81 Bn | - | - |
| 10 | Finwise Bancorp | 189.08 Mn | -270.53 Mn | - | -47.30% |
Historic Data
Download Data
Historic Data
| Date | Value |
|---|---|
| Jun 30, 2026 | -47.30% |
| Mar 31, 2026 | 46.09% |
| Dec 31, 2025 | 17.23% |
| Sep 30, 2025 | 11.04% |
| Jun 30, 2025 | -92.00% |
| Mar 31, 2025 | -105.25% |
| Dec 31, 2024 | 2.80% |
| Sep 30, 2024 | -57.83% |
| Jun 30, 2024 | -45.54% |
| Mar 31, 2024 | 2.89% |
| Dec 31, 2023 | 41.90% |
| Sep 30, 2023 | 34.07% |
| Jun 30, 2023 | -71.22% |
| Mar 31, 2023 | 18.85% |
| Dec 31, 2022 | 106.86% |
| Sep 30, 2022 | -23.59% |
| Jun 30, 2022 | 190.76% |
| Mar 31, 2022 | -23.27% |
| Dec 31, 2021 | 46.54% |
| Sep 30, 2021 | 13.61% |
API Access
Finwise Bancorp FCF Margin API
Pull this series into your own models, spreadsheets and apps with the Business Quant
Historical Metrics API. The request below matches the chart above — change the
frequency, period or values and it follows. Swap YOUR_API_KEY for your own key.
https://data.businessquant.com/historic?slug=fcf-margin&ticker=FINW&period=max&api_key=YOUR_API_KEYimport requests
url = "https://data.businessquant.com/historic"
params = {"slug": "fcf-margin", "ticker": "FINW", "period": "max", "api_key": "YOUR_API_KEY"}
data = requests.get(url, params=params).json()const res = await fetch("https://data.businessquant.com/historic?slug=fcf-margin&ticker=FINW&period=max&api_key=YOUR_API_KEY");
const data = await res.json();