| 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 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Sales/Revenue | 50.67M | 96.03M | 234.5M | 235.2M | 156.85M | 162.02M |
| Revenue Growth % | - | 0.9% | 1.44% | 0% | -0.33% | 0.03% |
| Cost of Goods Sold | 19.55M | 34.29M | 118.51M | 145.55M | 75.71M | 71.47M |
| COGS % of Revenue | 0.39% | 0.36% | 0.51% | 0.62% | 0.48% | 0.44% |
| Gross Profit | 31.12M | 61.74M | 115.99M | 89.65M | 81.14M | 90.54M |
| Gross Margin % | 0.61% | 0.64% | 0.49% | 0.38% | 0.52% | 0.56% |
| Gross Profit Growth % | - | 0.98% | 0.88% | -0.23% | -0.09% | 0.12% |
| Operating Expenses | 112.85M | 137.03M | 313.23M | 835.83M | 237.36M | 140.16M |
| OpEx % of Revenue | 2.23% | 1.43% | 1.34% | 3.55% | 1.51% | 0.87% |
| Selling, General & Admin | 64.25M | 81.53M | 212.88M | 224.37M | 130.82M | 86.61M |
| SG&A % of Revenue | 1.27% | 0.85% | 0.91% | 0.95% | 0.83% | 0.53% |
| Research & Development | 48.6M | 55.5M | 92.22M | 138.09M | 81.59M | 46.09M |
| R&D % of Revenue | 0.96% | 0.58% | 0.39% | 0.59% | 0.52% | 0.28% |
| Other Operating Expenses | 0 | 0 | 8.14M | 473.37M | 24.95M | 7.47M |
| Operating Income | -81.72M | -75.29M | -197.24M | -746.18M | -156.22M | -49.62M |
| Operating Margin % | -1.61% | -0.78% | -0.84% | -3.17% | -1% | -0.31% |
| Operating Income Growth % | - | 0.08% | -1.62% | -2.78% | 0.79% | 0.68% |
| EBITDA | -76.96M | -68.94M | -183.43M | -731.76M | -150.46M | -44.8M |
| EBITDA Margin % | -1.52% | -0.72% | -0.78% | -3.11% | -0.96% | -0.28% |
| EBITDA Growth % | - | 0.1% | -1.66% | -2.99% | 0.79% | 0.7% |
| D&A (Non-Cash Add-back) | 4.76M | 6.35M | 13.81M | 14.42M | 5.76M | 4.82M |
| EBIT | -81.44M | -74.59M | -196.75M | -741.26M | -148.97M | -36.56M |
| Net Interest Income | 0 | 1M | -11.28M | -24.79M | -30.81M | -6.75M |
| Interest Income | 0 | 1M | 0 | 0 | 0 | 0 |
| Interest Expense | 0 | 0 | 11.28M | 24.79M | 30.81M | 6.75M |
| Other Income/Expense | 283K | 700K | -10.79M | -19.87M | -23.56M | 6.31M |
| Pretax Income | -81.44M | -74.59M | -208.03M | -766.05M | -179.78M | -43.31M |
| Pretax Margin % | -1.61% | -0.78% | -0.89% | -3.26% | -1.15% | -0.27% |
| Income Tax | 13K | 26K | -38.89M | -2.24M | 94K | 109K |
| Effective Tax Rate % | 1% | 1% | 0.82% | 1% | 1.03% | 1.15% |
| Net Income | -81.45M | -74.62M | -171.34M | -768.61M | -185.32M | -49.6M |
| Net Margin % | -1.61% | -0.78% | -0.73% | -3.27% | -1.18% | -0.31% |
| Net Income Growth % | - | 0.08% | -1.3% | -3.49% | 0.76% | 0.73% |
| Net Income (Continuing) | -81.45M | -74.62M | -169.14M | -763.81M | -179.88M | -43.42M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 35.95M | 40.75M | 46.19M | 52.38M |
| EPS (Diluted) | -0.37 | -0.34 | -0.74 | -3.28 | -0.76 | -0.24 |
| EPS Growth % | - | 0.08% | -1.18% | -3.43% | 0.77% | 0.68% |
| EPS (Basic) | -0.37 | -0.34 | -0.74 | -3.28 | -0.76 | -0.24 |
| Diluted Shares Outstanding | 219.59M | 219.59M | 230.32M | 234.16M | 245.21M | 253.92M |
| Basic Shares Outstanding | 219.59M | 219.59M | 230.32M | 234.16M | 245.21M | 253.92M |
| Dividend Payout Ratio | - | - | - | - | - | - |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Total Current Assets | 144.85M | 186.15M | 613.02M | 396.1M | 169.84M | 135.17M |
| Cash & Short-Term Investments | 127.27M | 151.72M | 547.23M | 354.15M | 136.92M | 98.48M |
| Cash Only | 22.65M | 41.09M | 213.08M | 124.2M | 30.96M | 42.24M |
| Short-Term Investments | 104.62M | 110.63M | 334.15M | 229.95M | 105.96M | 56.23M |
| Accounts Receivable | 10.84M | 24.22M | 39.44M | 23.97M | 19.94M | 19.9M |
| Days Sales Outstanding | 78.07 | 92.05 | 61.38 | 37.2 | 46.4 | 44.84 |
| Inventory | 3.87M | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | 72.32 | - | - | - | - | - |
| Other Current Assets | 0 | 6.08M | 7.85M | 5.82M | 2.89M | 7.9M |
| Total Non-Current Assets | 16.45M | 29.6M | 499.47M | 36.67M | 36.23M | 42.84M |
| Property, Plant & Equipment | 2.96M | 17.28M | 20.87M | 17.41M | 12.51M | 13.79M |
| Fixed Asset Turnover | 17.11x | 5.56x | 11.24x | 13.51x | 12.54x | 11.75x |
| Goodwill | 0 | 0 | 287.23M | 0 | 0 | 0 |
| Intangible Assets | 4.14M | 1.21M | 173.01M | 2.13M | 2.11M | 2.08M |
| Long-Term Investments | 5.2M | 0 | 0 | 0 | 5.38M | 9.8M |
| Other Non-Current Assets | 9.36M | 11.11M | 18.36M | 17.13M | 16.23M | 17.17M |
| Total Assets | 161.3M | 215.75M | 1.11B | 432.76M | 206.06M | 178.01M |
| Asset Turnover | 0.31x | 0.45x | 0.21x | 0.54x | 0.76x | 0.91x |
| Asset Growth % | - | 0.34% | 4.16% | -0.61% | -0.52% | -0.14% |
| Total Current Liabilities | 21.73M | 35.03M | 60.03M | 35.47M | 31.57M | 38.95M |
| Accounts Payable | 3.14M | 3.44M | 6.16M | 1.26M | 2.17M | 2.42M |
| Days Payables Outstanding | 58.71 | 36.59 | 18.97 | 3.16 | 10.46 | 12.34 |
| Short-Term Debt | 0 | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Other Current Liabilities | 2.86M | 9.38M | 18.14M | 10.06M | 5.56M | 4.05M |
| Current Ratio | 6.67x | 5.31x | 10.21x | 11.17x | 5.38x | 3.47x |
| Quick Ratio | 6.49x | 5.31x | 10.21x | 11.17x | 5.38x | 3.47x |
| Cash Conversion Cycle | 91.68 | - | - | - | - | - |
| Total Non-Current Liabilities | 4.6M | 17.38M | 241.87M | 233.37M | 147.54M | 143.04M |
| Long-Term Debt | 0 | 0 | 213.84M | 216.8M | 138.33M | 0 |
| Capital Lease Obligations | 0 | 14M | 14.61M | 11.09M | 6.98M | 801K |
| Deferred Tax Liabilities | 0 | 0 | 2.86M | 0 | 0 | 0 |
| Other Non-Current Liabilities | 4.6M | 3.38M | 10.55M | 5.48M | 2.23M | 142.24M |
| Total Liabilities | 26.33M | 52.41M | 301.89M | 268.84M | 179.12M | 181.99M |
| Total Debt | 0 | 16.58M | 232.31M | 231.98M | 149.69M | 3.83M |
| Net Debt | -22.65M | -24.51M | 19.22M | 107.78M | 118.73M | -38.41M |
| Debt / Equity | - | 0.10x | 0.29x | 1.42x | 5.56x | - |
| Debt / EBITDA | - | - | - | - | - | - |
| Net Debt / EBITDA | - | - | - | - | - | - |
| Interest Coverage | - | - | -17.49x | -30.10x | -5.07x | -7.35x |
| Total Equity | 134.97M | 163.34M | 810.59M | 163.92M | 26.95M | -3.98M |
| Equity Growth % | - | 0.21% | 3.96% | -0.8% | -0.84% | -1.15% |
| Book Value per Share | 0.61 | 0.74 | 3.52 | 0.70 | 0.11 | -0.02 |
| Total Shareholders' Equity | 134.97M | 163.34M | 774.64M | 123.17M | -19.24M | -56.36M |
| Common Stock | 1K | 1K | 2K | 2K | 2K | 2K |
| Retained Earnings | -198.24M | -272.85M | -442.76M | -1.16B | -1.34B | -1.38B |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | 93K | -5K | -808K | -708K | 441K | 602K |
| Minority Interest | 0 | 0 | 35.95M | 40.75M | 46.19M | 52.38M |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash from Operations | -58.94M | -65.01M | -127.5M | -190.42M | -127.62M | -13.04M |
| Operating CF Margin % | -1.16% | -0.68% | -0.54% | -0.81% | -0.81% | -0.08% |
| Operating CF Growth % | - | -0.1% | -0.96% | -0.49% | 0.33% | 0.9% |
| Net Income | -81.45M | -74.62M | -169.14M | -763.81M | -179.88M | -43.42M |
| Depreciation & Amortization | 4.76M | 6.35M | 13.81M | 14.42M | 5.76M | 4.82M |
| Stock-Based Compensation | 9.89M | 10.12M | 70.84M | 109.7M | 46.02M | 28.08M |
| Deferred Taxes | 0 | 0 | -39.31M | 0 | 0 | 0 |
| Other Non-Cash Items | 3.8M | 4.37M | 9.36M | 453.76M | 4.73M | -4.41M |
| Working Capital Changes | 4.06M | -11.23M | -13.07M | -4.48M | -4.25M | 1.89M |
| Change in Receivables | 301K | -12.17M | -5.84M | 12.29M | 4.27M | 918K |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 2.58M | 293K | 1.56M | -4.9M | 910K | -67K |
| Cash from Investing | -65.51M | -7.92M | -633.91M | 99.43M | 127.31M | 45.4M |
| Capital Expenditures | -580K | -1.32M | -1.89M | -2.07M | -587K | -9.84M |
| CapEx % of Revenue | 0.01% | 0.01% | 0.01% | 0.01% | 0% | 0.06% |
| Acquisitions | - | - | - | - | - | - |
| Investments | - | - | - | - | - | - |
| Other Investing | -40K | 0 | -3M | 0 | -2.5M | -5.28M |
| Cash from Financing | 132.67M | 90.76M | 933.57M | 2.22M | -90.96M | -21.06M |
| Debt Issued (Net) | - | - | - | - | - | - |
| Equity Issued (Net) | - | - | - | - | - | - |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | - | - | - | - | - | - |
| Other Financing | 3.03M | 14.51M | 35.39M | 2.61M | -6.17M | -25.94M |
| Net Change in Cash | - | - | - | - | - | - |
| Free Cash Flow | -59.56M | -66.33M | -129.39M | -192.49M | -128.21M | -22.89M |
| FCF Margin % | -1.18% | -0.69% | -0.55% | -0.82% | -0.82% | -0.14% |
| FCF Growth % | - | -0.11% | -0.95% | -0.49% | 0.33% | 0.82% |
| FCF per Share | -0.27 | -0.30 | -0.56 | -0.82 | -0.52 | -0.09 |
| FCF Conversion (FCF/Net Income) | 0.72x | 0.87x | 0.74x | 0.25x | 0.69x | 0.26x |
| Interest Paid | 0 | 0 | 6.43M | 25.06M | 27.81M | 6.15M |
| Taxes Paid | 8K | 26K | 884K | 276K | 107K | 76K |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -60.35% | -50.03% | -35.19% | -157.74% | -194.19% | -431.98% |
| Return on Invested Capital (ROIC) | -54.57% | -44.97% | -30.54% | -101.61% | -56.14% | -72.06% |
| Gross Margin | 61.42% | 64.29% | 49.46% | 38.12% | 51.73% | 55.88% |
| Net Margin | -160.75% | -77.7% | -73.07% | -326.79% | -118.15% | -30.62% |
| Debt / Equity | - | 0.10x | 0.29x | 1.42x | 5.56x | - |
| Interest Coverage | - | - | -17.49x | -30.10x | -5.07x | -7.35x |
| FCF Conversion | 0.72x | 0.87x | 0.74x | 0.25x | 0.69x | 0.26x |
| Revenue Growth | - | 89.51% | 144.19% | 0.3% | -33.31% | 3.3% |
| 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|
| Software Platform | - | - | 101.2M | 106.91M |
| Software Platform Growth | - | - | - | 5.64% |
| Title Services | - | - | - | 46.26M |
| Title Services Growth | - | - | - | - |
| Professional Services | 4.18M | 4.4M | 8.35M | 8.85M |
| Professional Services Growth | - | 5.22% | 89.83% | 6.03% |
| Mortgage Banking | 108.26M | 83.39M | - | - |
| Mortgage Banking Growth | - | -22.97% | - | - |
| Emerging Business And Service | 23.12M | - | - | - |
| Emerging Business And Service Growth | - | - | - | - |
Blend Labs, Inc. (BLND) reported $132.6M in revenue for fiscal year 2024. This represents a 162% increase from $50.7M in 2019.
Blend Labs, Inc. (BLND) grew revenue by 3.3% over the past year. Growth has been modest.
Blend Labs, Inc. (BLND) reported a net loss of $6.9M for fiscal year 2024.
Blend Labs, Inc. (BLND) has a return on equity (ROE) of -432.0%. Negative ROE indicates the company is unprofitable.
Blend Labs, Inc. (BLND) had negative free cash flow of $7.2M in fiscal year 2024, likely due to heavy capital investments.