| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| GWREGuidewire Software, Inc. | 14.53B | 170.85 | 210.93 | 22.64% | 7.23% | 6% | 2.03% | 0.49 |
| DAVEDave Inc. | 2.26B | 185.46 | 44.26 | 33.96% | 29.87% | 50.37% | 5.52% | 0.41 |
| INTUIntuit Inc. | 157.67B | 566.60 | 41.45 | 15.63% | 21.19% | 21.31% | 3.86% | 0.34 |
| CCBCoastal Financial Corporation | 1.71B | 113.33 | 34.87 | 30.92% | 7.84% | 10.04% | 14.58% | 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 | 86.04 | 28.68 | 6.89% | 13.86% | 12.2% | 6.32% | 1.09 |
| TBBKThe Bancorp, Inc. | 3.06B | 69.76 | 16.26 | 16.11% | 30.63% | 29.28% | 7.27% | 0.16 |
| CWANClearwater Analytics Holdings, Inc. | 6.97B | 24.14 | 14.37 | 22.72% | 61.25% | 19.6% | 0.99% | 0.07 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Sales/Revenue | 168M | 203.22M | 252.02M | 303.43M | 368.17M | 451.8M |
| Revenue Growth % | - | 0.21% | 0.24% | 0.2% | 0.21% | 0.23% |
| Cost of Goods Sold | 47.15M | 53.26M | 67.86M | 87.78M | 107.13M | 122.99M |
| COGS % of Revenue | 0.28% | 0.26% | 0.27% | 0.29% | 0.29% | 0.27% |
| Gross Profit | 120.86M | 149.96M | 184.16M | 215.64M | 261.04M | 328.82M |
| Gross Margin % | 0.72% | 0.74% | 0.73% | 0.71% | 0.71% | 0.73% |
| Gross Profit Growth % | - | 0.24% | 0.23% | 0.17% | 0.21% | 0.26% |
| Operating Expenses | 95.16M | 170.38M | 155.7M | 210.53M | 277.79M | 316.58M |
| OpEx % of Revenue | 0.57% | 0.84% | 0.62% | 0.69% | 0.75% | 0.7% |
| Selling, General & Admin | 55.88M | 66.12M | 83.01M | 116.41M | 153.86M | 166.02M |
| SG&A % of Revenue | 0.33% | 0.33% | 0.33% | 0.38% | 0.42% | 0.37% |
| Research & Development | 39.27M | 55.26M | 72.69M | 94.12M | 123.92M | 150.56M |
| R&D % of Revenue | 0.23% | 0.27% | 0.29% | 0.31% | 0.34% | 0.33% |
| Other Operating Expenses | 0 | 49M | 0 | 0 | 0 | 0 |
| Operating Income | 25.7M | -20.42M | 28.46M | 5.12M | -16.75M | 12.23M |
| Operating Margin % | 0.15% | -0.1% | 0.11% | 0.02% | -0.05% | 0.03% |
| Operating Income Growth % | - | -1.79% | 2.39% | -0.82% | -4.27% | 1.73% |
| EBITDA | 27.72M | -18.15M | 31.95M | 10.26M | -6.82M | 24.41M |
| EBITDA Margin % | 0.16% | -0.09% | 0.13% | 0.03% | -0.02% | 0.05% |
| EBITDA Growth % | - | -1.65% | 2.76% | -0.68% | -1.66% | 4.58% |
| D&A (Non-Cash Add-back) | 2.02M | 2.27M | 3.49M | 5.14M | 9.93M | 12.18M |
| EBIT | 25.61M | -20.42M | 28.46M | 5.12M | -16.75M | 12.23M |
| Net Interest Income | -17.81M | -22.91M | -25.68M | 1.14M | 6.4M | 8.62M |
| Interest Income | 0 | 0 | 0 | 1.14M | 6.4M | 8.62M |
| Interest Expense | 17.81M | 22.91M | 25.68M | 0 | 0 | 0 |
| Other Income/Expense | -17.89M | -22.91M | -36.07M | -10.45M | -6.12M | -42.3M |
| Pretax Income | 7.8M | -43.33M | -7.61M | -5.33M | -22.87M | -30.06M |
| Pretax Margin % | 0.05% | -0.21% | -0.03% | -0.02% | -0.06% | -0.07% |
| Income Tax | 73K | 902K | 487K | 1.36M | 217K | -457.65M |
| Effective Tax Rate % | 0.99% | 1.02% | 1.08% | 1.49% | 0.95% | -14.12% |
| Net Income | 7.73M | -44.23M | -8.21M | -7.97M | -21.63M | 424.38M |
| Net Margin % | 0.05% | -0.22% | -0.03% | -0.03% | -0.06% | 0.94% |
| Net Income Growth % | - | -6.72% | 0.81% | 0.03% | -1.71% | 20.62% |
| Net Income (Continuing) | 7.73M | -44.23M | -8.09M | -6.7M | -23.08M | 427.58M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 65M | 68.86M | 55.33M | 21.98M |
| EPS (Diluted) | 0.03 | -0.19 | -0.05 | -0.04 | -0.11 | 1.68 |
| EPS Growth % | - | -6.79% | 0.76% | 0.21% | -2.05% | 16.27% |
| EPS (Basic) | 0.03 | -0.19 | -0.05 | -0.04 | -0.11 | 1.93 |
| Diluted Shares Outstanding | 235.98M | 235.98M | 178.03M | 185.56M | 199.69M | 254.36M |
| Basic Shares Outstanding | 235.98M | 235.98M | 178.03M | 185.56M | 199.69M | 219.32M |
| Dividend Payout Ratio | - | - | - | - | - | - |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Total Current Assets | 52.81M | 101.52M | 321.34M | 356.35M | 416M | 384.65M |
| Cash & Short-Term Investments | 20.25M | 61.09M | 254.6M | 255.61M | 296.22M | 255.49M |
| Cash Only | 20.25M | 61.09M | 254.6M | 250.72M | 221.76M | 177.35M |
| Short-Term Investments | 0 | 0 | 0 | 4.89M | 74.46M | 78.14M |
| Accounts Receivable | 26.56M | 32.88M | 50.19M | 79.23M | 100.94M | 110.17M |
| Days Sales Outstanding | 57.7 | 59.06 | 72.69 | 95.31 | 100.07 | 89.01 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - |
| Other Current Assets | 2.87M | 3.41M | 4.83M | 6.55M | 5.6M | 6.15M |
| Total Non-Current Assets | 11.15M | 14.04M | 23.02M | 125.6M | 142.75M | 784.93M |
| Property, Plant & Equipment | 7.09M | 8.85M | 10.74M | 39.18M | 37.9M | 39.59M |
| Fixed Asset Turnover | 23.68x | 22.97x | 23.47x | 7.74x | 9.71x | 11.41x |
| Goodwill | 0 | 0 | 0 | 43.79M | 45.34M | 70.97M |
| Intangible Assets | 0 | 0 | 0 | 29.46M | 26.13M | 30.87M |
| Long-Term Investments | 0 | 0 | 0 | 0 | 21.5M | 30.3M |
| Other Non-Current Assets | 4.06M | 5.19M | 11.6M | 11.61M | 10.54M | 10.69M |
| Total Assets | 63.97M | 115.56M | 344.36M | 481.94M | 558.74M | 1.17B |
| Asset Turnover | 2.63x | 1.76x | 0.73x | 0.63x | 0.66x | 0.39x |
| Asset Growth % | - | 0.81% | 1.98% | 0.4% | 0.16% | 1.09% |
| Total Current Liabilities | 20.56M | 38.21M | 31.2M | 66.01M | 80.79M | 77.05M |
| Accounts Payable | 1.14M | 1.34M | 1.42M | 3.09M | 3.06M | 2.93M |
| Days Payables Outstanding | 8.83 | 9.18 | 7.62 | 12.86 | 10.43 | 8.71 |
| Short-Term Debt | 2.8M | 3.08M | 2.75M | 2.75M | 2.75M | 2.75M |
| Deferred Revenue (Current) | 1000K | 0 | 795K | 1000K | 1000K | 1000K |
| Other Current Liabilities | 4.99M | 10.16M | 8.44M | 18.34M | 20.64M | 25.71M |
| Current Ratio | 2.57x | 2.66x | 10.30x | 5.40x | 5.15x | 4.99x |
| Quick Ratio | 2.57x | 2.66x | 10.30x | 5.40x | 5.15x | 4.99x |
| Cash Conversion Cycle | - | - | - | - | - | - |
| Total Non-Current Liabilities | 244.13M | 421.96M | 51.29M | 77.54M | 68.29M | 62.29M |
| Long-Term Debt | 244.07M | 421.83M | 51.16M | 48.49M | 45.83M | 43.16M |
| Capital Lease Obligations | 0 | 0 | 0 | 19.5M | 16.95M | 17.66M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 5.93M | 5.36M | 1.31M |
| Other Non-Current Liabilities | 59K | 134K | 132K | 3.62M | 162K | 160K |
| Total Liabilities | 264.69M | 460.17M | 82.49M | 143.56M | 149.09M | 139.34M |
| Total Debt | 246.87M | 424.9M | 53.91M | 76.6M | 72.08M | 71.92M |
| Net Debt | 226.62M | 363.82M | -200.69M | -174.13M | -149.69M | -105.43M |
| Debt / Equity | - | - | 0.21x | 0.23x | 0.18x | 0.07x |
| Debt / EBITDA | 8.91x | - | 1.69x | 7.47x | - | 2.95x |
| Net Debt / EBITDA | 8.18x | - | -6.28x | -16.98x | - | -4.32x |
| Interest Coverage | 1.44x | -0.89x | 1.11x | - | - | - |
| Total Equity | -200.72M | -344.61M | 261.87M | 338.39M | 409.66M | 1.03B |
| Equity Growth % | - | -0.72% | 1.76% | 0.29% | 0.21% | 1.51% |
| Book Value per Share | -0.85 | -1.46 | 1.47 | 1.82 | 2.05 | 4.05 |
| Total Shareholders' Equity | -200.72M | -344.61M | 196.87M | 269.52M | 354.33M | 1.01B |
| Common Stock | 0 | -245.81M | 236K | 239K | 244K | 248K |
| Retained Earnings | -201.58M | 0 | -191.93M | -186.65M | -181.33M | 283.95M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | -13K | -98.8M | -34K | 609K | 2.91M | -1.11M |
| Minority Interest | 0 | 0 | 65M | 68.86M | 55.33M | 21.98M |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash from Operations | -230.03M | -6.49M | 3.36M | 58.01M | 84.6M | 74.32M |
| Operating CF Margin % | -1.37% | -0.03% | 0.01% | 0.19% | 0.23% | 0.16% |
| Operating CF Growth % | - | 0.97% | 1.52% | 16.27% | 0.46% | -0.12% |
| Net Income | 7.73M | -44.23M | -8.09M | -6.7M | -23.08M | 427.58M |
| Depreciation & Amortization | 2.02M | 2.27M | 3.49M | 5.14M | 9.93M | 12.18M |
| Stock-Based Compensation | 6.23M | 24.6M | 36.7M | 65.69M | 104.45M | 103.2M |
| Deferred Taxes | 0 | 0 | -648K | -803K | -1.67M | -460.03M |
| Other Non-Cash Items | 3.07M | 4.85M | 15.23M | 10.56M | 11.1M | 12.61M |
| Working Capital Changes | -249.08M | 6.03M | -43.32M | -15.88M | -16.13M | -21.23M |
| Change in Receivables | -5.66M | -6.33M | -17.31M | -19.1M | -19.3M | -13.65M |
| Change in Inventory | -240.52M | 0 | -21.23M | 0 | 0 | 0 |
| Change in Payables | 166K | 67K | 361K | 1.61M | -115K | 269K |
| Cash from Investing | -3.37M | -3.81M | -5.03M | -76.55M | -95.06M | -55.65M |
| Capital Expenditures | -3.37M | -3.81M | -5.03M | -7.76M | -5.62M | -5.26M |
| CapEx % of Revenue | 0.02% | 0.02% | 0.02% | 0.03% | 0.02% | 0.01% |
| Acquisitions | - | - | - | - | - | - |
| Investments | - | - | - | - | - | - |
| Other Investing | 0 | 0 | 0 | 0 | 0 | -104K |
| Cash from Financing | 237.72M | 51.04M | 195.29M | 16.23M | -19.29M | -61.67M |
| Debt Issued (Net) | - | - | - | - | - | - |
| Equity Issued (Net) | - | - | - | - | - | - |
| Dividends Paid | 0 | -173.18M | 0 | 0 | 0 | 0 |
| Share Repurchases | - | - | - | - | - | - |
| Other Financing | 241.5M | 43.66M | -6.36M | 18.98M | -16.54M | -58.92M |
| Net Change in Cash | - | - | - | - | - | - |
| Free Cash Flow | -233.4M | -10.29M | -1.67M | 50.25M | 78.98M | 69.06M |
| FCF Margin % | -1.39% | -0.05% | -0.01% | 0.17% | 0.21% | 0.15% |
| FCF Growth % | - | 0.96% | 0.84% | 31.14% | 0.57% | -0.13% |
| FCF per Share | -0.99 | -0.04 | -0.01 | 0.27 | 0.40 | 0.27 |
| FCF Conversion (FCF/Net Income) | -29.75x | 0.15x | -0.41x | -7.28x | -3.91x | 0.18x |
| Interest Paid | 0 | 22.18M | 26.11M | 1.4M | 3.45M | 3.46M |
| Taxes Paid | 0 | 429K | 802K | 2.04M | 2.43M | 1.98M |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | - | -3.14% | -2.65% | -5.78% | 58.95% |
| Return on Invested Capital (ROIC) | 74.43% | -67.9% | 53.11% | 3.4% | -5.92% | 1.55% |
| Gross Margin | 71.94% | 73.79% | 73.07% | 71.07% | 70.9% | 72.78% |
| Net Margin | 4.6% | -21.76% | -3.26% | -2.63% | -5.87% | 93.93% |
| Debt / Equity | - | - | 0.21x | 0.23x | 0.18x | 0.07x |
| Interest Coverage | 1.44x | -0.89x | 1.11x | - | - | - |
| FCF Conversion | -29.75x | 0.15x | -0.41x | -7.28x | -3.91x | 0.18x |
| Revenue Growth | - | 20.96% | 24.01% | 20.4% | 21.34% | 22.72% |
| 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|
| License | - | - | 6.6M | 3.8M |
| License Growth | - | - | - | -42.42% |
| 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|
| UNITED STATES | 229.48M | 261.75M | 300.33M | 368.52M |
| UNITED STATES Growth | - | 14.06% | 14.74% | 22.70% |
| Non-US | 22.54M | 41.67M | 67.84M | 83.28M |
| Non-US Growth | - | 84.88% | 62.79% | 22.77% |
Clearwater Analytics Holdings, Inc. (CWAN) has a price-to-earnings (P/E) ratio of 14.4x. This may indicate the stock is undervalued or faces growth challenges.
Clearwater Analytics Holdings, Inc. (CWAN) reported $640.4M in revenue for fiscal year 2024. This represents a 281% increase from $168.0M in 2019.
Clearwater Analytics Holdings, Inc. (CWAN) grew revenue by 22.7% over the past year. This is strong growth.
Yes, Clearwater Analytics Holdings, Inc. (CWAN) is profitable, generating $392.2M in net income for fiscal year 2024 (93.9% net margin).
Clearwater Analytics Holdings, Inc. (CWAN) has a return on equity (ROE) of 58.9%. This is excellent, indicating efficient use of shareholder capital.
Clearwater Analytics Holdings, Inc. (CWAN) generated $82.0M in free cash flow for fiscal year 2024. Positive FCF indicates the company can fund dividends, buybacks, or reinvestment.