Rounding in Ruby (Rails)

I don't know why this is so difficult, I am clearly using the wrong methods. But I am working with the Stripe API (everything works well) and I am trying to round a subscription amount to two decimal places.

For example, Stripe forces me to use cents as the unit of currency. So if I have a 995 cents subscription, I clearly want it to show up as $9.95. But the method I am using (number_with_precision (995 / 100, :precision => 2) is giving me 9.00 instead of 9.95. Then I tried the "round" method and it too gives me 9.00.

I see a few rounding posts here on StackOverflow but I can't seem to find anything that solves my convert to dollars/cents then round to 2 decimal places issue.

Any help on this would be appreciated. Thanks in advance for your time.