Angel Oak Financial Strategies Income Term Trust (FINS) Key Metrics
FINS valuation today
Trailing 12 months · as of October 18, 2026- Market cap
- $398.7M
- Enterprise value
- $611.0M
- P/E (TTM)
- 11.7 10-yr median 15.0
- Forward P/E
- —
- PEG ratio
- —
- Price / sales
- 9.9 10-yr median 10.9
- Price / book
- 0.9 10-yr median 0.9
- EV / EBITDA
- — 10-yr median 21.0
- Dividend yield
- 11.57% $1.38 a year
- Beta
- 0.19
FINS key metrics, FY2020–FY2026
Fiscal year ended January 31, 2026 · U.S. dollarsFINS valuation Price multiples at each fiscal year-end price.
FINS returns How much profit the business earns on the capital it uses.
FINS per-share figures Results divided by the shares outstanding at year-end.
FINS financial health Debt, liquidity and how easily interest is covered.
FINS efficiency & capital use Working capital cycle and where the cash goes.
FINS valuation history
FINS returns on capital
Net income (ROE, ROA) or after-tax operating income (ROIC) divided by the average of the opening and closing balance.
FINS debt vs cash
Debt includes short- and long-term borrowings and, where reported, lease liabilities.
FINS cash returned to shareholders
FINS price vs earnings per share
FINS key metrics
FY2020–FY2026| FY2026 | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | |
|---|---|---|---|---|---|---|---|
| Valuation | |||||||
| Market capitalization | $372.2M | $335.0M | $309.0M | $309.3M | $251.3M | $263.2M | $243.8M |
| Enterprise value | $497.6M | $466.7M | $448.3M | $462.6M | $483.3M | $379.5M | $325.3M |
| P/E ratio | 7.9 | 8.5 | 40.8 | — | 15.0 | — | 15.8 |
| Price / sales | 7.2 | 8.3 | 36.2 | 10.5 | 11.3 | — | 16.0 |
| Price / book | 0.8 | 0.9 | 0.9 | 0.8 | 0.7 | 0.9 | 1.0 |
| Price / free cash flow | — | 8.3 | 7.0 | 6.7 | — | — | — |
| Price / operating cash flow | — | 8.3 | 7.0 | 6.7 | — | — | — |
| EV / sales | 9.6 | 11.6 | 52.5 | 15.7 | 21.7 | — | 21.3 |
| EV / EBITDA | 10.6 | 11.8 | 59.1 | 6.0 | 31.3 | 29.5 | 21.0 |
| EV / free cash flow | — | 11.5 | 10.1 | 10.0 | — | — | — |
| Earnings yield | 12.6% | 11.8% | 2.5% | −12.3% | 6.7% | −1.0% | 6.3% |
| Free cash flow yield | −15.7% | 12.1% | 14.3% | 15.0% | −31.4% | −32.5% | −124.0% |
| Dividend yield | 11.1% | 9.8% | 9.8% | 9.0% | 8.5% | 6.6% | 3.8% |
| Shareholder yield (dividends + buybacks) | 11.1% | 9.8% | 9.8% | 9.0% | 8.5% | 11.4% | 3.8% |
| Share price at fiscal year-end | $13.25 | $13.26 | $12.23 | $13.36 | $16.54 | $17.29 | $21.30 |
| Per share | |||||||
| Revenue per share | $1.85 | $1.60 | $0.34 | $1.27 | $1.47 | $0.00 | $1.33 |
| Earnings per share | $1.67 | $1.56 | $0.30 | −$1.64 | $1.10 | −$0.17 | $1.35 |
| Operating cash flow per share | −$2.08 | $1.60 | $1.75 | $2.00 | −$5.19 | −$5.62 | −$26.42 |
| Free cash flow per share | −$2.08 | $1.60 | $1.75 | $2.00 | −$5.19 | −$5.62 | −$26.42 |
| Cash per share | — | — | — | $0.00 | −$6.15 | $0.01 | $0.01 |
| Book value per share | $16.56 | $13.99 | $13.73 | $15.96 | $23.56 | $18.69 | $20.66 |
| Tangible book value per share | $16.56 | $13.99 | $13.73 | $15.96 | $23.56 | $18.69 | $20.66 |
| Dividends per share | $1.47 | $1.30 | $1.20 | $1.20 | $1.41 | $1.14 | $0.82 |
| Capex per share | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 |
| Debt per share | $4.46 | $5.21 | $5.51 | $6.62 | $9.12 | $7.64 | $7.12 |
| Shares outstanding | 28.1M | 25.3M | 25.3M | 23.2M | 15.2M | 15.2M | 11.4M |
| Change in shares outstanding | +11.2% | 0.0% | +9.1% | +52.5% | −0.2% | +33.0% | — |
| Returns & profitability | |||||||
| Return on equity (ROE) | 11.5% | 11.2% | 2.1% | −10.4% | 5.2% | −1.0% | 6.5% |
| Return on invested capital (ROIC) | 6.9% | 6.4% | 0.8% | 3.1% | 3.1% | 3.0% | 2.4% |
| Return on assets (ROA) | 8.7% | 8.1% | 1.5% | −7.4% | 3.7% | −0.7% | 4.9% |
| Return on tangible assets | 7.9% | 8.1% | 1.6% | −7.2% | 3.4% | −0.6% | 4.9% |
| Free cash flow margin | −112.7% | 100.1% | 519.0% | 157.6% | −353.6% | — | — |
| Income quality (OCF / net income) | −1.25 | 1.03 | 5.84 | — | −4.72 | — | −19.57 |
| Financial health | |||||||
| Total debt | $125.4M | $131.6M | $139.3M | $153.3M | $138.6M | $116.4M | $81.5M |
| Cash & short-term investments | — | — | — | $2,510 | −$93.5M | $100,000 | $100,000 |
| Net debt | $125.4M | $131.6M | $139.3M | $153.3M | $232.1M | $116.3M | $81.4M |
| Debt / equity | 0.27 | 0.37 | 0.40 | 0.41 | 0.39 | 0.41 | 0.34 |
| Debt / assets | 0.21 | 0.27 | 0.29 | 0.29 | 0.28 | 0.29 | 0.26 |
| Net debt / EBITDA | 2.67 | 3.34 | 18.38 | 1.97 | 15.04 | 9.03 | 5.27 |
| Current ratio | 0.01 | — | 0.10 | 0.08 | 0.17 | 46.78 | 20.56 |
| Quick ratio | 0.01 | — | 0.10 | 0.08 | −1.52 | 46.78 | 20.62 |
| Interest coverage | 9.9 | 6.3 | 1.2 | 4.4 | 4.8 | 4.8 | 20.7 |
| Working capital | −$1.8M | $9.5M | −$51.0M | −$64.6M | −$45.8M | $8.5M | $3.1M |
| Invested capital | $590.6M | $485.2M | $486.3M | $523.0M | $589.9M | $400.8M | $317.9M |
| Tangible asset value | $465.2M | $353.6M | $347.0M | $369.7M | $357.9M | $284.6M | $236.5M |
| Net current asset value | −$127.4M | −$122.9M | −$134.6M | −$148.8M | −$130.1M | −$108.4M | −$78.7M |
| Graham number | $24.94 | $22.15 | $9.63 | — | $24.15 | — | $25.05 |
| Graham net-net per share | −$4.53 | −$4.96 | −$5.38 | −$6.49 | −$11.80 | −$7.27 | −$6.94 |
| Capital allocation | |||||||
| Dividends paid | $41.3M | $32.8M | $30.3M | $27.9M | $21.5M | $17.4M | $9.4M |
| Share buybacks (net) | — | — | — | — | — | $12.5M | $0 |
| Dividend payout ratio | 88.0% | 83.2% | 400.1% | — | 128.5% | — | 60.6% |
| Dividends + buybacks / free cash flow | — | 81.1% | 68.5% | 60.1% | — | — | — |
| Capex / revenue | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | — | 0.0% |
| Capex / operating cash flow | — | 0.0% | 0.0% | 0.0% | — | — | — |
| SG&A / revenue | 3.3% | 2.9% | 11.0% | 2.9% | 3.8% | — | 3.7% |
| Efficiency | |||||||
| Days sales outstanding | — | 68.7 | 239.6 | 93.2 | 147.3 | — | 75.4 |
| Days of inventory on hand | — | — | — | — | 5,340.5 | — | — |
| Days payables outstanding | 39.1 | — | — | -1.6 | 22.3 | -2.9 | — |
| Cash conversion cycle (days) | — | — | — | 94.8 | 5,465.4 | — | — |
| Receivables turnover | — | 5.32 | 1.52 | 3.92 | 2.48 | 0.00 | 4.84 |
| Payables turnover | 9.34 | 0.00 | 0.00 | −226.58 | 16.39 | −124.31 | 0.00 |
| Inventory turnover | — | — | — | — | 0.07 | — | — |
| Asset turnover | 0.10 | 0.08 | 0.02 | 0.06 | 0.05 | 0.00 | 0.05 |
| Average receivables | — | $7.6M | $5.6M | $7.5M | $9.0M | $5.8M | $3.2M |
| Average payables | $505,758 | $7,753 | $195,058 | $291,952 | $194,858 | $172,042 | $158,280 |
| Average inventory | — | — | — | — | $46.7M | −$4,567 | −$9,134 |
| Intangibles / total assets | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
Computed from FINS's annual financial statements (latest annual report filed January 31, 2026) and the closing share price on each fiscal year-end, adjusted for stock splits. Figures in U.S. dollars; data from EODHD. Averages use the opening and closing balance of each year.
FINS valuation and financial ratios
At the end of fiscal 2026 (January 31, 2026), Angel Oak Financial Strategies Income Term traded at 7.9 times earnings, against a 7-year median of 15.0. Based on the latest twelve months, the trailing P/E is 11.7. Angel Oak Financial Strategies Income Term earned a return on equity of 11.5% and a return on invested capital of 6.9% in fiscal 2026. It ended the year with $125.4 million of debt and no reported cash in cash and short-term investments, net debt of $125.4 million. It returned $41.3 million to shareholders: $41.3 million in dividends and $0 in share buybacks. The share count rose 145.4% from 11.4M to 28.1M over 6 years.
See the FINS income statement, the FINS chart for price history, or the FINS stock overview for the latest quote and news.
FINS key metrics FAQ
What is Angel Oak Financial Strategies Income Term's P/E ratio?
Angel Oak Financial Strategies Income Term's trailing P/E ratio is 11.7 based on the last twelve months of earnings (as of October 18, 2026). At the end of fiscal 2026 it was 7.9, compared with a 7-year median of 15.0.
What is Angel Oak Financial Strategies Income Term's EV/EBITDA?
Angel Oak Financial Strategies Income Term's enterprise value was 10.6 times EBITDA at the end of fiscal 2026 (enterprise value $497.6 million, EBITDA $46.9 million).
What is Angel Oak Financial Strategies Income Term's return on equity?
Angel Oak Financial Strategies Income Term's return on equity (ROE) was 11.5% in fiscal 2026: net income of $46.9 million on average shareholders' equity of $409.4 million.
What is Angel Oak Financial Strategies Income Term's ROIC?
Angel Oak Financial Strategies Income Term's return on invested capital was 6.9% in fiscal 2026, using after-tax operating income divided by average debt plus equity minus cash.
How much debt does Angel Oak Financial Strategies Income Term have?
Angel Oak Financial Strategies Income Term had total debt of $125.4 million at the end of fiscal 2026, a debt-to-equity ratio of 0.27 and $125.4 million of net debt (2.67 times EBITDA).
What is Angel Oak Financial Strategies Income Term's dividend yield?
Angel Oak Financial Strategies Income Term's forward dividend yield is 11.57%. Angel Oak Financial Strategies Income Term paid $41.3 million in dividends in fiscal 2026 ($1.47 per share), a payout ratio of 88.0%.
What is Angel Oak Financial Strategies Income Term's free cash flow yield?
Angel Oak Financial Strategies Income Term generated -$58.5 million of free cash flow in fiscal 2026, a free cash flow yield of −15.7% on its market value at year-end ($372.2 million).
What is Angel Oak Financial Strategies Income Term's current ratio?
Angel Oak Financial Strategies Income Term's current ratio was 0.01 at the end of fiscal 2026: current assets were 0.01 times current liabilities.