Aureus
COkay

U.S. Bancorp(USB)

C

Financial data as of Dec 31, 2025Declining · Financials

FCF Margin27.9%Free Cash Flow / Revenue
Cash Conversion105.3%Operating CF / Net Income
Free Cash Flow$8.0B
Revenue$28.5B
Net Cash-$21.5BNet debt position
Debt / FCF8.6xElevated debt burden
Current Ratio0.00Tight short-term liquidity
YoY FCF Growth-40.5%4 of 5 quarters positive

How This Grade Was Calculated

Base grade from FCF margin, adjusted by financial health factors

BaseA
→
-1High debt-to-FCF ratio (8.6x)
→
+0.5Healthy FCF margin with manageable debt (27.9%, 8.6x)
→
-1Current ratio below 1.0 (0.00)
→
-1Significant YoY FCF decline (-40.5%)
→
FinalC

Analysis Summary

Strengths

  • Exceptional FCF margin (27.9%)
  • Excellent cash conversion (105%)

Concerns

  • Heavy debt position ($21.5B net debt, 8.6x FCF)
  • High debt-to-FCF ratio (8.6x)
  • Current ratio below 1.0 — tight short-term liquidity
  • Significant YoY FCF decline (-40.5%)

Financial Breakdown

Key financials compared side by side

Margin Composition

FCF Margin27.9%
Net Margin26.5%
Operating CF Margin27.9%
CapEx Ratio0.0%

Balance Sheet Health

Debt, liquidity, and leverage snapshot

Net Cash-$21.5BNet debt position
Debt / FCF8.6xElevated debt burden
Current Ratio0.00Tight liquidity
Debt / Equity1.17Moderate leverage

Quarterly FCF Trend

-40.5% YoYDeclining (-40.5%)

Free cash flow per quarter

Sector Comparison — Financials

FCF Margin ranked against sector peers

View all →

Detailed Metrics

Company NameU.S. Bancorp
SectorFinancials
Free Cash Flow$8.0B
Revenue$28.5B
Net Income$7.6B
Operating Cash Flow$8.0B
Capital Expenditure$0
FCF Margin27.9%
Cash Conversion Rate105.3%
Net Margin26.5%
Total Debt$68.4B
Total Cash$46.9B
Net Cash-$21.5B
Current Ratio0.00
Debt / Equity1.17
Debt / FCF8.6x
YoY FCF Growth-40.5%
Positive Quarters4 of 5
Trend DirectionDeclining
Report DateDec 31, 2025
GradeC
Data SourceYahoo Finance