| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| GWREGuidewire Software, Inc. | 14.12B | 166.09 | 205.05 | 22.64% | 7.23% | 6% | 2.09% | 0.49 |
| DAVEDave Inc. | 2.34B | 192.06 | 45.84 | 33.96% | 29.87% | 50.37% | 5.33% | 0.41 |
| INTUIntuit Inc. | 154.33B | 554.58 | 40.57 | 15.63% | 21.19% | 21.31% | 3.94% | 0.34 |
| CCBCoastal Financial Corporation | 1.72B | 113.69 | 34.98 | 30.92% | 7.84% | 10.04% | 14.54% | 0.12 |
| SPNSSapiens International Corporation N.V. | 2.43B | 43.45 | 33.68 | 5.4% | 11.4% | 12.2% | 2.97% | 0.13 |
| SSNCSS&C Technologies Holdings, Inc. | 21B | 86.05 | 28.68 | 6.89% | 13.86% | 12.2% | 6.32% | 1.09 |
| TBBKThe Bancorp, Inc. | 3.09B | 70.39 | 16.41 | 16.11% | 30.63% | 29.28% | 7.2% | 0.16 |
| CWANClearwater Analytics Holdings, Inc. | 6.98B | 24.19 | 14.40 | 22.72% | 61.25% | 19.6% | 0.99% | 0.07 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Sales/Revenue | 272.4M | 321.5M | 374.67M | 425.55M | 491.62M | 572.39M | 666.78M |
| Revenue Growth % | - | 0.18% | 0.17% | 0.14% | 0.16% | 0.16% | 0.16% |
| Cost of Goods Sold | 95.7M | 110.38M | 165.39M | 161.89M | 193.13M | 223.81M | 240.65M |
| COGS % of Revenue | 0.35% | 0.34% | 0.44% | 0.38% | 0.39% | 0.39% | 0.36% |
| Gross Profit | 176.71M | 211.12M | 209.28M | 263.66M | 298.49M | 348.58M | 426.13M |
| Gross Margin % | 0.65% | 0.66% | 0.56% | 0.62% | 0.61% | 0.61% | 0.64% |
| Gross Profit Growth % | - | 0.19% | -0.01% | 0.26% | 0.13% | 0.17% | 0.22% |
| Operating Expenses | 146.85M | 179.27M | 314.04M | 266.6M | 306.57M | 366.09M | 428.35M |
| OpEx % of Revenue | 0.54% | 0.56% | 0.84% | 0.63% | 0.62% | 0.64% | 0.64% |
| Selling, General & Admin | 115.84M | 139.14M | 248.47M | 206.01M | 246.99M | 286.17M | 323.41M |
| SG&A % of Revenue | 0.43% | 0.43% | 0.66% | 0.48% | 0.5% | 0.5% | 0.49% |
| Research & Development | 23.75M | 30.56M | 54.34M | 44.02M | 41.88M | 58.21M | 66.67M |
| R&D % of Revenue | 0.09% | 0.1% | 0.15% | 0.1% | 0.09% | 0.1% | 0.1% |
| Other Operating Expenses | 7.25M | 9.57M | 11.22M | 16.57M | 17.71M | 21.7M | 38.28M |
| Operating Income | -2.83M | 31.86M | -104.76M | -2.94M | -8.08M | -17.51M | -2.23M |
| Operating Margin % | -0.01% | 0.1% | -0.28% | -0.01% | -0.02% | -0.03% | -0% |
| Operating Income Growth % | - | 12.24% | -4.29% | 0.97% | -1.75% | -1.17% | 0.87% |
| EBITDA | 22.07M | 57.05M | -72.54M | 41.84M | 53.07M | 56.95M | 84.51M |
| EBITDA Margin % | 0.08% | 0.18% | -0.19% | 0.1% | 0.11% | 0.1% | 0.13% |
| EBITDA Growth % | - | 1.58% | -2.27% | 1.58% | 0.27% | 0.07% | 0.48% |
| D&A (Non-Cash Add-back) | 24.9M | 25.19M | 32.22M | 44.78M | 61.15M | 74.46M | 86.74M |
| EBIT | -2.83M | 31.86M | -104.76M | -2.94M | -8.08M | -17.51M | 15.27M |
| Net Interest Income | -1.59M | -953K | -3.11M | -984K | -2.05M | -4.16M | 4.14M |
| Interest Income | 526K | 1.08M | 0 | 0 | 0 | 0 | 4.14M |
| Interest Expense | 2.12M | 2.04M | 3.11M | 984K | 2.05M | 4.16M | 0 |
| Other Income/Expense | -34.41M | -953K | -3.11M | -984K | -2.05M | -4.16M | 4.14M |
| Pretax Income | -4.43M | 30.9M | -107.87M | -3.93M | -10.13M | -21.67M | 1.91M |
| Pretax Margin % | -0.02% | 0.1% | -0.29% | -0.01% | -0.02% | -0.04% | 0% |
| Income Tax | 1.68M | -155K | -32.79M | -2.45M | 2.17M | -8.58M | 54.64M |
| Effective Tax Rate % | 1.38% | 1.01% | 0.7% | 0.38% | 1.21% | 0.6% | -27.62% |
| Net Income | -6.11M | 31.06M | -75.08M | -1.48M | -12.3M | -13.09M | -52.73M |
| Net Margin % | -0.02% | 0.1% | -0.2% | -0% | -0.03% | -0.02% | -0.08% |
| Net Income Growth % | - | 6.09% | -3.42% | 0.98% | -7.32% | -0.06% | -3.03% |
| Net Income (Continuing) | -6.11M | 31.06M | -75.08M | -1.48M | -12.3M | -13.09M | -52.73M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -0.05 | 0.21 | -0.60 | -0.01 | -0.08 | -0.09 | -0.34 |
| EPS Growth % | - | 5.46% | -3.86% | 0.98% | -7% | -0.13% | -2.78% |
| EPS (Basic) | -0.05 | 0.21 | -0.60 | -0.01 | -0.08 | -0.09 | -0.34 |
| Diluted Shares Outstanding | 129.63M | 146.17M | 131.51M | 147.78M | 149.65M | 151.86M | 155.09M |
| Basic Shares Outstanding | 124.33M | 146.17M | 131.51M | 147.78M | 149.65M | 151.86M | 155.09M |
| Dividend Payout Ratio | - | 0.92% | - | - | - | - | - |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Total Current Assets | 132.32M | 165.56M | 402.69M | 195.67M | 243.15M | 266.62M | 536.33M |
| Cash & Short-Term Investments | 55.84M | 75.9M | 303.05M | 73.33M | 102.98M | 77.72M | 305.21M |
| Cash Only | 55.84M | 75.9M | 303.05M | 73.33M | 91.8M | 68.17M | 296.05M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 11.17M | 9.54M | 9.16M |
| Accounts Receivable | 62.23M | 70.37M | 77.16M | 76.93M | 102.89M | 141.75M | 164.43M |
| Days Sales Outstanding | 83.39 | 79.89 | 75.17 | 65.98 | 76.39 | 90.39 | 90.01 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - | - |
| Other Current Assets | 14.25M | 7.59M | 9.22M | 24.87M | 14.95M | 24.97M | 34.1M |
| Total Non-Current Assets | 82.75M | 99.07M | 156.09M | 474.54M | 476.05M | 493.31M | 630.46M |
| Property, Plant & Equipment | 49.48M | 54.73M | 56.56M | 118.64M | 118.28M | 115.34M | 189.51M |
| Fixed Asset Turnover | 5.51x | 5.87x | 6.62x | 3.59x | 4.16x | 4.96x | 3.52x |
| Goodwill | 0 | 0 | 16.33M | 270.04M | 251.84M | 257.84M | 357.82M |
| Intangible Assets | 23.07M | 32.08M | 34.37M | 36.1M | 44.19M | 41.17M | 41.55M |
| Long-Term Investments | 8.83M | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 10.2M | 12.04M | 15.01M | 14.46M | 30.8M | 37.25M | 41.55M |
| Total Assets | 215.07M | 264.62M | 558.78M | 670.21M | 719.19M | 759.93M | 1.17B |
| Asset Turnover | 1.27x | 1.21x | 0.67x | 0.63x | 0.68x | 0.75x | 0.57x |
| Asset Growth % | - | 0.23% | 1.11% | 0.2% | 0.07% | 0.06% | 0.54% |
| Total Current Liabilities | 238.75M | 334.53M | 291.97M | 369.13M | 403.21M | 440.78M | 537.38M |
| Accounts Payable | 6.86M | 10.73M | 8.88M | 13M | 14.33M | 23.6M | 36.22M |
| Days Payables Outstanding | 26.16 | 35.48 | 19.59 | 29.31 | 27.08 | 38.48 | 54.93 |
| Short-Term Debt | 4.91M | 50.8M | 0 | 0 | 2.19M | 2.5M | 0 |
| Deferred Revenue (Current) | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Current Liabilities | 25.5M | 39.56M | 35.45M | 74.4M | 64.63M | 63.74M | 108.01M |
| Current Ratio | 0.55x | 0.49x | 1.38x | 0.53x | 0.60x | 0.60x | 1.00x |
| Quick Ratio | 0.55x | 0.49x | 1.38x | 0.53x | 0.60x | 0.60x | 1.00x |
| Cash Conversion Cycle | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 88.02M | 42.53M | 37.47M | 70.99M | 86.26M | 66.17M | 450.06M |
| Long-Term Debt | 49.97M | 682K | 0 | 0 | 46.71M | 44.06M | 335.22M |
| Capital Lease Obligations | 0 | 0 | 225K | 24.39M | 20.43M | 16.62M | 12.6M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 9.92M |
| Other Non-Current Liabilities | 23.28M | 27.8M | 22.55M | 34.94M | 8.83M | 2.91M | 87.49M |
| Total Liabilities | 326.77M | 377.06M | 329.44M | 440.12M | 489.47M | 506.95M | 987.44M |
| Total Debt | 54.88M | 51.49M | 1.11M | 28.61M | 73.52M | 66.97M | 351.89M |
| Net Debt | -955K | -24.42M | -301.94M | -44.73M | -18.29M | -1.21M | 55.84M |
| Debt / Equity | - | - | 0.00x | 0.12x | 0.32x | 0.26x | 1.96x |
| Debt / EBITDA | 2.49x | 0.90x | - | 0.68x | 1.39x | 1.18x | 4.16x |
| Net Debt / EBITDA | -0.04x | -0.43x | - | -1.07x | -0.34x | -0.02x | 0.66x |
| Interest Coverage | -1.34x | 15.65x | -33.67x | -2.99x | -3.95x | -4.21x | - |
| Total Equity | -111.7M | -112.43M | 229.34M | 230.08M | 229.72M | 252.98M | 179.35M |
| Equity Growth % | - | -0.01% | 3.04% | 0% | -0% | 0.1% | -0.29% |
| Book Value per Share | -0.86 | -0.77 | 1.74 | 1.56 | 1.54 | 1.67 | 1.16 |
| Total Shareholders' Equity | -111.7M | -112.43M | 229.34M | 230.08M | 229.72M | 252.98M | 179.35M |
| Common Stock | 54K | 54K | 146K | 149K | 150K | 154K | 157K |
| Retained Earnings | -88.04M | -90.7M | 25.78M | 24.81M | 12.51M | -586K | -53.31M |
| Treasury Stock | -37.8M | -38.64M | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | -496K | -491K | -3.13M | -17.5M | -27.75M | -21.74M | -45.88M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2018 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|---|
| Cash from Operations | 80.45M | 92.5M | 59.54M | 90.29M | 63.85M | 74.33M | 164.82M |
| Operating CF Margin % | 0.3% | 0.29% | 0.16% | 0.21% | 0.13% | 0.13% | 0.25% |
| Operating CF Growth % | - | 0.15% | -0.36% | 0.52% | -0.29% | 0.16% | 1.22% |
| Net Income | -6.11M | 31.06M | -75.08M | -1.48M | -12.3M | -13.09M | -52.73M |
| Depreciation & Amortization | 24.9M | 25.19M | 32.22M | 44.78M | 61.15M | 74.46M | 86.74M |
| Stock-Based Compensation | 5.11M | 9.46M | 147.9M | 26.16M | 19.73M | 33.92M | 47.42M |
| Deferred Taxes | 847K | -848K | -33.5M | -3.12M | -1.34M | -11.57M | 51.07M |
| Other Non-Cash Items | 33.25M | 1.54M | -20.76M | 5.01M | 7.83M | 10.27M | 20.51M |
| Working Capital Changes | 22.45M | 26.1M | 8.77M | 18.93M | -11.21M | -19.65M | 11.81M |
| Change in Receivables | -16.96M | -10.12M | -6.76M | 2.96M | -25.66M | -45.22M | -22.08M |
| Change in Inventory | 2.09M | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 3.4M | 3.87M | -1.84M | 3.85M | 1.37M | 9.24M | 11.62M |
| Cash from Investing | -33.31M | -37.56M | -44.38M | -294.78M | -72.05M | -66.17M | -158.15M |
| Capital Expenditures | -33.31M | -20.34M | -20.95M | -31.71M | -45.53M | -49.26M | -65.77M |
| CapEx % of Revenue | 0.12% | 0.06% | 0.06% | 0.07% | 0.09% | 0.09% | 0.1% |
| Acquisitions | - | - | - | - | - | - | - |
| Investments | - | - | - | - | - | - | - |
| Other Investing | -12.26M | -17.22M | -11.85M | -11.66M | -14.89M | -18.97M | -21.34M |
| Cash from Financing | -30.7M | -30.63M | 213.63M | -9.1M | 17.09M | -26.48M | 231.26M |
| Debt Issued (Net) | - | - | - | - | - | - | - |
| Equity Issued (Net) | - | - | - | - | - | - | - |
| Dividends Paid | -28.02M | -28.57M | -146.12M | -2.7M | -536K | 0 | 0 |
| Share Repurchases | - | - | - | - | - | - | - |
| Other Financing | 1.89M | 4.34M | -12.03M | -5.43M | -30.08M | -24.19M | -74.33M |
| Net Change in Cash | - | - | - | - | - | - | - |
| Free Cash Flow | 47.13M | 54.94M | 26.74M | 46.92M | 3.43M | 6.1M | 99.05M |
| FCF Margin % | 0.17% | 0.17% | 0.07% | 0.11% | 0.01% | 0.01% | 0.15% |
| FCF Growth % | - | 0.17% | -0.51% | 0.75% | -0.93% | 0.78% | 15.24% |
| FCF per Share | 0.36 | 0.38 | 0.20 | 0.32 | 0.02 | 0.04 | 0.64 |
| FCF Conversion (FCF/Net Income) | -13.18x | 2.98x | -0.79x | -61.05x | -5.19x | -5.68x | -3.13x |
| Interest Paid | 0 | 0 | 2.46M | 223K | 2.22M | 3.73M | 3.29M |
| Taxes Paid | 0 | 0 | 588K | 1.29M | 3.06M | 5.65M | 8.59M |
| Metric | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | - | -128.44% | -0.64% | -5.35% | -5.42% | -24.39% |
| Return on Invested Capital (ROIC) | - | - | - | -3.91% | -3.06% | -5.67% | -0.69% |
| Gross Margin | 64.87% | 65.67% | 55.86% | 61.96% | 60.72% | 60.9% | 63.91% |
| Net Margin | -2.24% | 9.66% | -20.04% | -0.35% | -2.5% | -2.29% | -7.91% |
| Debt / Equity | - | - | 0.00x | 0.12x | 0.32x | 0.26x | 1.96x |
| Interest Coverage | -1.34x | 15.65x | -33.67x | -2.99x | -3.95x | -4.21x | - |
| FCF Conversion | -13.18x | 2.98x | -0.79x | -61.05x | -5.19x | -5.68x | -3.13x |
| Revenue Growth | - | 18.02% | 16.54% | 13.58% | 15.53% | 16.43% | 16.49% |
| 2020 | 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|---|
| Software subscriptions | - | 358.42M | 415.47M | 480.83M | 567.12M |
| Software subscriptions Growth | - | - | 15.92% | 15.73% | 17.95% |
| Software licenses | - | 231.37M | 246.58M | 266.21M | 291.08M |
| Software licenses Growth | - | - | 6.57% | 7.96% | 9.34% |
| Cloud subscriptions | - | 127.04M | 168.9M | 214.62M | 276.04M |
| Cloud subscriptions Growth | - | - | 32.94% | 27.07% | 28.62% |
| Services | - | 67.13M | 76.15M | 91.56M | 99.65M |
| Services Growth | - | - | 13.43% | 20.23% | 8.84% |
| License And Service | 316.76M | - | - | - | - |
| License And Service Growth | - | - | - | - | - |
| Service Other | 57.9M | - | - | - | - |
| Service Other Growth | - | - | - | - | - |
Vertex, Inc. (VERX) reported $732.2M in revenue for fiscal year 2024. This represents a 169% increase from $272.4M in 2018.
Vertex, Inc. (VERX) grew revenue by 16.5% over the past year. This is strong growth.
Vertex, Inc. (VERX) reported a net loss of $53.6M for fiscal year 2024.
Vertex, Inc. (VERX) has a return on equity (ROE) of -24.4%. Negative ROE indicates the company is unprofitable.
Vertex, Inc. (VERX) generated $71.8M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.