Financhill
Buy
74

INBK Quote, Financials, Valuation and Earnings

Last price:
$27.66
Seasonality move :
2.92%
Day range:
$26.93 - $27.87
52-week range:
$19.54 - $43.26
Dividend yield:
0.87%
P/E ratio:
11.51x
P/S ratio:
1.80x
P/B ratio:
0.62x
Volume:
186.2K
Avg. volume:
48.6K
1-year change:
-20.35%
Market cap:
$241.3M
Revenue:
$128.9M
EPS (TTM):
$2.41
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Revenue $98.8M $114.8M $113.9M $95.3M $128.9M
Revenue Growth (YoY) 25.73% 16.11% -0.74% -16.33% 35.25%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $37.7M $42.7M $46.3M $51.8M $59.3M
Other Inc / (Exp) $139K -- -- $42K $139K
Operating Expenses $35.6M $45.2M $46.3M $51.8M $59.3M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $33.9M $56.6M $40.1M $4.9M $27.5M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $4.4M $8.5M $4.6M -$3.5M $2.3M
Net Income to Company $29.5M $48.1M $35.5M $8.4M $25.3M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $29.5M $48.1M $35.5M $8.4M $25.3M
 
Basic EPS (Cont. Ops) $2.99 $4.85 $3.73 $0.95 $2.91
Diluted EPS (Cont. Ops) $2.99 $4.82 $3.70 $0.95 $2.88
Weighted Average Basic Share $9.8M $9.9M $9.5M $8.8M $8.7M
Weighted Average Diluted Share $9.8M $10M $9.6M $8.9M $8.8M
 
EBITDA -- -- -- -- --
EBIT $106.2M $103.9M $99.9M $169.5M $232.1M
 
Revenue (Reported) $98.8M $114.8M $113.9M $95.3M $128.9M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $106.2M $103.9M $99.9M $169.5M $232.1M
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Revenue $28.4M $31M $23M $27.7M $34M
Revenue Growth (YoY) 37.5% 9.24% -25.64% 20.2% 22.8%
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $11.1M $10.9M $13.2M $13.7M $15.2M
Other Inc / (Exp) -- -- -- $62K $20K
Operating Expenses $11.1M $10.9M $13.2M $13.7M $15.2M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $12.3M $13M -$5.3M $5.6M $34K
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $1.9M $1.8M -$2.3M $429K -$909K
Net Income to Company $10.5M $11.2M -$3M $5.2M $943K
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $10.5M $11.2M -$3M $5.2M $943K
 
Basic EPS (Cont. Ops) $1.06 $1.14 -$0.33 $0.60 $0.11
Diluted EPS (Cont. Ops) $1.05 $1.14 -$0.33 $0.59 $0.11
Weighted Average Basic Share $9.9M $9.8M $9M $8.7M $8.7M
Weighted Average Diluted Share $10M $9.9M $9M $8.8M $8.8M
 
EBITDA -- -- -- -- --
EBIT $25.1M $23.3M $27.1M $53M $51.8M
 
Revenue (Reported) $28.4M $31M $23M $27.7M $34M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $25.1M $23.3M $27.1M $53M $51.8M
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Revenue $106.6M $117.4M $106M $100M $135.2M
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $39.7M $42.6M $47.6M $52.3M $60.8M
Other Inc / (Exp) $98K -- -- $104K $97K
Operating Expenses $37.7M $45.1M $47.6M $52.3M $60.8M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $39.9M $57.3M $21.8M $15.9M $22M
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $6M $8.4M $437K -$716K $928K
Net Income to Company $33.9M $48.9M $21.3M $16.6M $21M
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $33.9M $48.9M $21.3M $16.6M $21M
 
Basic EPS (Cont. Ops) $3.44 $4.94 $2.23 $1.91 $2.42
Diluted EPS (Cont. Ops) $3.43 $4.91 $2.23 $1.90 $2.41
Weighted Average Basic Share
Weighted Average Diluted Share
 
EBITDA -- -- -- -- --
EBIT $103.8M $102.1M $103.7M $195.4M $230.8M
 
Revenue (Reported) $106.6M $117.4M $106M $100M $135.2M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $103.8M $102.1M $103.7M $195.4M $230.8M
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Revenue $28.4M $31M $23M $27.7M $34M
Revenue Growth (YoY) -- -- -- -- --
 
Cost of Revenues -- -- -- -- --
Gross Profit -- -- -- -- --
Gross Profit Margin -- -- -- -- --
 
R&D Expenses -- -- -- -- --
Selling, General & Admin $11.1M $10.9M $13.2M $13.7M $15.2M
Other Inc / (Exp) -- -- -- $62K $20K
Operating Expenses $11.1M $10.9M $13.2M $13.7M $15.2M
Operating Income -- -- -- -- --
 
Net Interest Expenses -- -- -- -- --
EBT. Incl. Unusual Items $12.3M $13M -$5.3M $5.6M $34K
Earnings of Discontinued Ops. -- -- -- -- --
Income Tax Expense $1.9M $1.8M -$2.3M $429K -$909K
Net Income to Company $10.5M $11.2M -$3M $5.2M $943K
 
Minority Interest in Earnings -- -- -- -- --
Net Income to Common Excl Extra Items $10.5M $11.2M -$3M $5.2M $943K
 
Basic EPS (Cont. Ops) $1.06 $1.14 -$0.33 $0.60 $0.11
Diluted EPS (Cont. Ops) $1.05 $1.14 -$0.33 $0.59 $0.11
Weighted Average Basic Share $9.9M $9.8M $9M $8.7M $8.7M
Weighted Average Diluted Share $10M $9.9M $9M $8.8M $8.8M
 
EBITDA -- -- -- -- --
EBIT $25.1M $23.3M $27.1M $53M $51.8M
 
Revenue (Reported) $28.4M $31M $23M $27.7M $34M
Operating Income (Reported) -- -- -- -- --
Operating Income (Adjusted) $25.1M $23.3M $27.1M $53M $51.8M
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Cash and Equivalents $419.8M $443M $256.6M $405.9M $466.4M
Short Term Investments $497.6M $603M $390.4M $474.9M $413.3M
Accounts Receivable, Net $17.4M $16M $21.1M $26.7M $28.2M
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $1.9B $1.9B $1.6B $1.8B $1.9B
 
Property Plant And Equipment $37.6M $59.8M $72.7M $73.5M $71.5M
Long-Term Investments $565.9M $662.6M $579.6M $702M $837.2M
Goodwill $4.7M $4.7M $4.7M $4.7M $4.7M
Other Intangibles -- -- -- -- --
Other Long-Term Assets -- -- -- -- --
Total Assets $4.2B $4.2B $4.5B $5.2B $5.7B
 
Accounts Payable $1.4M $2M $2.9M $3.8M $2.5M
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $1.4M $2M $2.9M $3.8M $2.5M
 
Long-Term Debt $594.5M $619.2M $719.5M $719.8M $400.2M
Capital Leases -- -- -- -- --
Total Liabilities $3.9B $3.8B $4.2B $4.8B $5.4B
 
Common Stock $221.4M $218.9M $192.9M $184.7M $186.1M
Other Common Equity Adj -$17.2M -$11M -$33.6M -$29.4M -$32.7M
Common Equity $330.9M $380.3M $365M $362.8M $384.1M
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $330.9M $380.3M $365M $362.8M $384.1M
 
Total Liabilities and Equity $4.2B $4.2B $4.5B $5.2B $5.7B
Cash and Short Terms $917.4M $1B $646.9M $880.8M $879.7M
Total Debt $594.5M $619.2M $719.5M $719.8M $400.2M
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Cash and Equivalents $416.2M $517.5M $304M $481.3M $394.5M
Short Term Investments $462.4M $465.3M $395.8M $482.4M $510.3M
Accounts Receivable, Net $16.4M $15.3M $22.3M $26.8M $29M
Inventory -- -- -- -- --
Prepaid Expenses -- -- -- -- --
Other Current Assets -- -- -- -- --
Total Current Assets $1.8B $1.9B $1.7B $1.9B $1.9B
 
Property Plant And Equipment $42.4M $68.6M $74.2M $73.2M $70.5M
Long-Term Investments $530.6M $628.7M $606.6M $718.2M $958.3M
Goodwill $4.7M $4.7M $4.7M $4.7M $4.7M
Other Intangibles -- -- -- -- --
Other Long-Term Assets -- -- -- -- --
Total Assets $4.2B $4.2B $4.7B $5.3B $5.9B
 
Accounts Payable $1.4M $1.5M $2.6M $3.4M $1.6M
Accrued Expenses -- -- -- -- --
Current Portion Of Long-Term Debt -- -- -- -- --
Current Portion Of Capital Lease Obligations -- -- -- -- --
Other Current Liabilities -- -- -- -- --
Total Current Liabilities $1.4M $1.5M $2.6M $3.4M $1.6M
 
Long-Term Debt $584.7M $619.2M $719.5M $679.9M $500.2M
Capital Leases -- -- -- -- --
Total Liabilities $3.8B $3.9B $4.4B $5B $5.5B
 
Common Stock $221.9M $214.5M $189.2M $184.7M $185.9M
Other Common Equity Adj -$13.9M -$22.9M -$31.3M -$30.1M -$29.2M
Common Equity -- -- -- -- --
Total Preferred Equity -- -- -- -- --
Minority Interest, Total -- -- -- -- --
Total Equity $344.6M $374.7M $355.6M $366.7M $387.7M
 
Total Liabilities and Equity $4.2B $4.2B $4.7B $5.3B $5.9B
Cash and Short Terms $878.6M $982.8M $699.8M $963.7M $904.8M
Total Debt $584.7M $619.2M $719.5M $679.9M $500.2M
Period Ending 2020-12-31 2021-12-31 2022-12-31 2023-12-31 2024-12-31
Net Income to Stockholders $29.5M $48.1M $35.5M $8.4M $25.3M
Depreciation & Amoritzation $7.8M $8.8M $8.7M $5.7M $8.5M
Stock-Based Compensation $2.1M $2.4M $2M $1.3M $1.8M
Change in Accounts Receivable -- -- -- -- --
Change in Inventories -- -- -- -- --
Cash From Operations $13.1M $54.8M $82.7M $11.7M $13M
 
Capital Expenditures $25.6M $29.9M $17.5M $5.4M $2.6M
Cash Acquisitions -- -- -- -- --
Cash From Investing -$44.8M $43.9M -$601M -$474.5M -$496.2M
 
Dividends Paid (Ex Special Dividend) -$2.3M -$2.4M -$2.3M -$2.2M -$2.1M
Special Dividend Paid
Long-Term Debt Issued $449.8M $498.7M $615M $475M $430M
Long-Term Debt Repaid -$440M -$475M -$515M -$475M -$750M
Repurchase of Common Stock -- -$4.4M -$27.8M -$9.3M -$283K
Other Financing Activities -$152K -$441K -$287K -$153K -$182K
Cash From Financing $124.2M -$75.6M $331.9M $612.2M $543.7M
 
Beginning Cash (CF) $327.4M $419.8M $443M $256.6M $405.9M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $92.4M $23.2M -$186.4M $149.3M $60.5M
Ending Cash (CF) $419.8M $443M $256.6M $405.9M $466.4M
 
Levered Free Cash Flow -$12.5M $24.9M $65.2M $6.3M $10.4M
Period Ending 2021-06-30 2022-06-30 2023-06-30 2024-06-30 2025-06-30
Net Income to Stockholders $13.1M $9.5M $3.9M $5.8M --
Depreciation & Amoritzation $3.8M $2.3M $1.9M $2M --
Stock-Based Compensation $570K $894K $115K $458K --
Change in Accounts Receivable -$9.1M $2.3M -$2.5M $1.5M --
Change in Inventories -- -- -- -- --
Cash From Operations $10.4M $21.1M -$10.7M $16M --
 
Capital Expenditures $8M $2.8M $428K $556K --
Cash Acquisitions -- -- -- -- --
Cash From Investing -$85.7M -$203M -$56.5M -$100.1M --
 
Dividends Paid (Ex Special Dividend) -$600K -$572K -$543K -$530K --
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued -- $110M $110M $210M --
Long-Term Debt Repaid -- -$160M -$110M -$210M --
Repurchase of Common Stock -- -$11.1M -$2.8M -- --
Other Financing Activities -- -$179K -- -$3K --
Cash From Financing -$12.1M -$127.8M $228.9M -$379K --
 
Beginning Cash (CF) $416.2M $517.5M $304M $481.3M --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions -$87.4M -$309.6M $161.7M -$84.5M --
Ending Cash (CF) $328.8M $208M $465.6M $396.8M --
 
Levered Free Cash Flow $2.3M $18.3M -$11.2M $15.5M --
Period Ending 2021-03-31 2022-03-31 2023-03-31 2024-03-31 2025-03-31
Net Income to Stockholders $33.9M $48.9M $21.3M $16.6M $21M
Depreciation & Amoritzation $6.5M $10.8M $7.5M $6.6M $7.7M
Stock-Based Compensation $2.2M $2.3M $1.8M $1.3M $1.4M
Change in Accounts Receivable $51.2M $3.2M -$16.3M -$2.4M $4.5M
Change in Inventories -- -- -- -- --
Cash From Operations $70M $54.6M $57.8M $8.6M $43M
 
Capital Expenditures $26.4M $34M $10.4M $3.6M $1.8M
Cash Acquisitions -- -- -- -- --
Cash From Investing -$41.3M $25M -$744M -$435.2M -$619.3M
 
Dividends Paid (Ex Special Dividend) -$2.4M -$2.4M -$2.3M -$2.1M -$2.1M
Special Dividend Paid
Long-Term Debt Issued $449.8M $498.7M $615M $475M $420M
Long-Term Debt Repaid -$450M -$465M -$515M -$515M -$600M
Repurchase of Common Stock -- -$9.6M -$26.7M -$5.6M --
Other Financing Activities -$254K -- -$393K -$198K -$265K
Cash From Financing $36.2M $21.8M $472.7M $603.9M $489.5M
 
Beginning Cash (CF) -- -- -- -- --
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions $64.9M $101.3M -$213.6M $177.3M -$86.8M
Ending Cash (CF) -- -- -- -- --
 
Levered Free Cash Flow $43.6M $20.6M $47.3M $5M $41.2M
Period Ending 2021-06-30 2022-06-30 2023-06-30 2024-06-30 2025-06-30
Net Income to Stockholders $23.5M $20.8M $865K $11M $943K
Depreciation & Amoritzation $4M $4.6M $2.9M $3.8M $1.1M
Stock-Based Compensation $1.3M $1.5M $487K $901K $1K
Change in Accounts Receivable $1.6M $16.2M -$5M -$3.4M -$366K
Change in Inventories -- -- -- -- --
Cash From Operations $41.5M $52M -$4.8M $18.8M $32.8M
 
Capital Expenditures $13.7M $12.6M $3.1M $1.5M $184K
Cash Acquisitions -- -- -- -- --
Cash From Investing -$56.4M -$192.6M -$189.1M -$193.4M -$216.4M
 
Dividends Paid (Ex Special Dividend) -$1.2M -$1.2M -$1.1M -$1M -$520K
Special Dividend Paid -- -- -- -- --
Long-Term Debt Issued $110M $220M $220M $320M $100M
Long-Term Debt Repaid -$120M -$270M -$220M -$360M --
Repurchase of Common Stock -- -$16.2M -$6.8M -$283K --
Other Financing Activities -$195K -$179K -$106K -$154K -$234K
Cash From Financing -$76.1M -$94.4M $403M $165.5M $111.7M
 
Beginning Cash (CF) $836M $960.5M $560.5M $887.2M $466.4M
Foreign Exchange Rate Adjustment -- -- -- -- --
Additions / Reductions -$91M -$235M $209.1M -$9.1M -$72M
Ending Cash (CF) $745M $725.5M $769.6M $878.1M $394.5M
 
Levered Free Cash Flow $27.8M $39.4M -$8M $17.3M $32.6M

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