| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| GWREGuidewire Software, Inc. | 12.28B | 145.32 | 179.41 | 22.64% | 7.23% | 6% | 2.4% | 0.49 |
| QTWOQ2 Holdings, Inc. | 3.01B | 48.12 | 60.15 | 14.12% | 4.12% | 5.09% | 6.47% | 0.52 |
| FICOFair Isaac Corporation | 33.49B | 1409.36 | 53.10 | 15.91% | 31.89% | 2.3% | ||
| SPNSSapiens International Corporation N.V. | 2.43B | 43.45 | 33.68 | 5.4% | 11.4% | 12.2% | 2.97% | 0.13 |
| INTUIntuit Inc. | 114.17B | 409.03 | 29.92 | 15.63% | 21.57% | 22.78% | 5.33% | 0.34 |
| OPFIOppFi Inc. | 589.26M | 9.18 | 25.50 | 3.34% | 0.68% | 1.4% | 52.74% | 1.42 |
| BLBlackLine, Inc. | 2.21B | 35.25 | 24.31 | 10.74% | 3.5% | 6.6% | 8.52% | 1.90 |
| SSNCSS&C Technologies Holdings, Inc. | 18.33B | 75.29 | 23.90 | 6.63% | 13.86% | 12.2% | 9.08% | 0.03 |
Analyze head-to-head performance against top industry competitors across valuation, growth, and profitability metrics.
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Sales/Revenue | 24.05M | 47.76M | 128.06M | 69.38M | 69.82M | 79.33M |
| Revenue Growth % | - | 98.58% | 168.15% | -45.82% | 0.63% | 13.62% |
| Cost of Goods Sold | 0 | 0 | 3.03M | 483K | 431K | 113.67M |
| COGS % of Revenue | - | - | 2.37% | 0.7% | 0.62% | 143.28% |
| Gross Profit | 24.05M | 47.76M | 125.02M | 68.9M | 69.39M | -34.34M |
| Gross Margin % | 100% | 100% | 97.63% | 99.3% | 99.38% | -43.28% |
| Gross Profit Growth % | - | 98.58% | 161.79% | -44.89% | 0.71% | -149.48% |
| Operating Expenses | 38.7M | 55.37M | 134.81M | 203.94M | 160.84M | 47.93M |
| OpEx % of Revenue | 160.9% | 115.95% | 105.28% | 293.93% | 230.36% | 60.42% |
| Selling, General & Admin | 37.85M | 45.06M | 30.14M | 41.63M | 153.88M | 41.27M |
| SG&A % of Revenue | 157.37% | 94.36% | 23.54% | 60% | 220.4% | 52.02% |
| Research & Development | 2.46M | 4.62M | 0 | 0 | 0 | 0 |
| R&D % of Revenue | 10.23% | 9.67% | - | - | - | - |
| Other Operating Expenses | -1.61M | 5.7M | 104.67M | 162.31M | 6.95M | 6.66M |
| Operating Income | -14.65M | -7.62M | -9.79M | -135.04M | -91.45M | -82.26M |
| Operating Margin % | -60.9% | -15.95% | -7.64% | -194.63% | -130.98% | -103.7% |
| Operating Income Growth % | - | 47.99% | -28.52% | -1279.51% | 32.28% | 10.04% |
| EBITDA | -13.04M | -3.57M | -4.6M | -130.81M | -81.34M | -72.95M |
| EBITDA Margin % | -54.24% | -7.48% | -3.59% | -188.54% | -116.5% | -91.96% |
| EBITDA Growth % | - | 72.61% | -28.72% | -2744.4% | 37.82% | 10.32% |
| D&A (Non-Cash Add-back) | 1.6M | 4.04M | 5.19M | 4.23M | 10.11M | 9.31M |
| EBIT | -14.97M | -4.33M | -8.91M | -111.69M | -91.45M | -82.26M |
| Net Interest Income | -170K | -2.4M | -2.31M | 2.68M | 6.42M | 5.67M |
| Interest Income | 0 | 0 | 0 | 2.68M | 6.42M | 5.67M |
| Interest Expense | 170K | 2.4M | 2.31M | 0 | 0 | 0 |
| Other Income/Expense | -492K | -2.9M | -8.32M | 23.46M | 719K | 15.49M |
| Pretax Income | -15.14M | -10.52M | -18.11M | -111.58M | -90.73M | -66.78M |
| Pretax Margin % | -62.95% | -22.02% | -14.14% | -160.81% | -129.95% | -84.18% |
| Income Tax | 100K | -803K | 386K | 327K | 819K | 1.07M |
| Effective Tax Rate % | 100.66% | 92.36% | 102.13% | 100.25% | 99.44% | 99.34% |
| Net Income | -15.24M | -9.71M | -18.5M | -111.86M | -90.22M | -66.33M |
| Net Margin % | -63.36% | -20.34% | -14.45% | -161.22% | -129.22% | -83.62% |
| Net Income Growth % | - | 36.26% | -90.48% | -504.68% | 19.34% | 26.48% |
| Net Income (Continuing) | -15.24M | -9.71M | -18.5M | -111.91M | -91.55M | -67.84M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 6.07M | 4.91M | 3.16M |
| EPS (Diluted) | -4.42 | -3.42 | -5.11 | -11.98 | -7.80 | -5.43 |
| EPS Growth % | - | 22.62% | -49.42% | -134.34% | 34.83% | 30.42% |
| EPS (Basic) | -4.42 | -3.42 | -5.11 | -11.66 | -7.80 | -5.43 |
| Diluted Shares Outstanding | 3.45M | 3.45M | 3.62M | 9.67M | 11.56M | 12.21M |
| Basic Shares Outstanding | 3.45M | 3.45M | 3.62M | 9.59M | 11.56M | 12.21M |
| Dividend Payout Ratio | - | - | - | - | - | - |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Total Current Assets | 32.93M | 91.35M | 88.08M | 206.89M | 163.1M | 119.17M |
| Cash & Short-Term Investments | 28.07M | 40.58M | 74.78M | 193.14M | 152.42M | 106.21M |
| Cash Only | 27.94M | 40.58M | 74.78M | 193.14M | 144.72M | 105.14M |
| Short-Term Investments | 125K | 0 | 0 | 0 | 7.69M | 1.07M |
| Accounts Receivable | 1.76M | 5.74M | 6.53M | 3.54M | 4.07M | 7.78M |
| Days Sales Outstanding | 26.79 | 43.88 | 18.62 | 18.64 | 21.26 | 35.78 |
| Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | - | - | - | - | - | - |
| Other Current Assets | 1.36M | 42.33M | 3.61M | 4.01M | 3.25M | 1.7M |
| Total Non-Current Assets | 85.34M | 167.15M | 169.81M | 156.84M | 147.63M | 144.34M |
| Property, Plant & Equipment | 6.56M | 9.88M | 8.38M | 6.07M | 9.5M | 8.03M |
| Fixed Asset Turnover | 3.66x | 4.83x | 15.28x | 11.44x | 7.35x | 9.88x |
| Goodwill | 43.87M | 121M | 120.95M | 133.89M | 120.95M | 120.95M |
| Intangible Assets | 8.96M | 20.99M | 19.52M | 7.64M | 8.97M | 5.51M |
| Long-Term Investments | 0 | 0 | 0 | 7.37M | 0 | 0 |
| Other Non-Current Assets | 25.95M | 15.28M | 20.97M | 9.25M | 8.21M | 9.86M |
| Total Assets | 118.27M | 258.5M | 257.89M | 363.73M | 310.73M | 263.51M |
| Asset Turnover | 0.20x | 0.18x | 0.50x | 0.19x | 0.22x | 0.30x |
| Asset Growth % | - | 118.57% | -0.23% | 41.04% | -14.57% | -15.2% |
| Total Current Liabilities | 28.53M | 68.38M | 38.02M | 26.39M | 24.21M | 25.14M |
| Accounts Payable | 3.03M | 2.61M | 1.92M | 2.8M | 1.83M | 1.94M |
| Days Payables Outstanding | - | - | 230.98 | 2.11K | 1.55K | 6.23 |
| Short-Term Debt | 8.34M | 2.5M | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 8.8M | 45.92M | 25.23M | 5.12M | 15.22M | 3.67M |
| Current Ratio | 1.15x | 1.34x | 2.32x | 7.84x | 6.74x | 4.74x |
| Quick Ratio | 1.15x | 1.34x | 2.32x | 7.84x | 6.74x | 4.74x |
| Cash Conversion Cycle | - | - | - | - | - | - |
| Total Non-Current Liabilities | 52.31M | 40.77M | 26.46M | 11.88M | 18.1M | 11.62M |
| Long-Term Debt | 21.65M | 16.43M | 13.45M | 0 | 5.59M | 7.41M |
| Capital Lease Obligations | 4.88M | 8.82M | 5.16M | 3.54M | 2.71M | 3.69M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 25.77M | 15.52M | 7.84M | 8.34M | 9.8M | 514K |
| Total Liabilities | 80.83M | 109.15M | 64.48M | 38.27M | 42.31M | 36.76M |
| Total Debt | 36.36M | 31.29M | 23.98M | 7.44M | 10.82M | 14.57M |
| Net Debt | 8.42M | -9.29M | -50.8M | -185.7M | -133.91M | -90.57M |
| Debt / Equity | 0.97x | 0.21x | 0.12x | 0.02x | 0.04x | 0.06x |
| Debt / EBITDA | - | - | - | - | - | - |
| Net Debt / EBITDA | - | - | - | - | - | - |
| Interest Coverage | -86.15x | -3.17x | -4.24x | - | - | - |
| Total Equity | 37.44M | 149.35M | 193.42M | 325.46M | 268.42M | 226.74M |
| Equity Growth % | - | 298.96% | 29.51% | 68.27% | -17.53% | -15.53% |
| Book Value per Share | 10.85 | 43.29 | 53.43 | 33.67 | 23.22 | 18.57 |
| Total Shareholders' Equity | 37.44M | 149.35M | 193.42M | 319.39M | 263.51M | 223.58M |
| Common Stock | 0 | 0 | 0 | 18K | 18K | 19K |
| Retained Earnings | -50.35M | -60.06M | -78.56M | -190.42M | -280.64M | -346.97M |
| Treasury Stock | 0 | 0 | 0 | 0 | -625K | -625K |
| Accumulated OCI | 0 | 0 | 0 | 693K | 911K | 572K |
| Minority Interest | 0 | 0 | 0 | 6.07M | 4.91M | 3.16M |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash from Operations | 1.79M | -2.53M | 10.9M | -68.81M | -41.46M | -40.53M |
| Operating CF Margin % | 7.43% | -5.29% | 8.51% | -99.17% | -59.37% | -51.09% |
| Operating CF Growth % | - | -241.39% | 531.21% | -731.19% | 39.75% | 2.23% |
| Net Income | -15.24M | -9.71M | -18.5M | -111.91M | -91.55M | -67.84M |
| Depreciation & Amortization | 1.6M | 4.04M | 8.19M | 10.03M | 10.11M | 9.31M |
| Stock-Based Compensation | 7.29M | 4.91M | 12.23M | 57.92M | 34.33M | 30.49M |
| Deferred Taxes | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 1.64M | 1.18M | 6.29M | -10.31M | 9.25M | -8.14M |
| Working Capital Changes | 6.5M | -2.94M | 2.68M | -14.54M | -3.6M | -4.35M |
| Change in Receivables | 1.61M | -3.39M | 382K | 1.4M | -792K | -877K |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 1.52M | -1.68M | -692K | 904K | -1.22M | 284K |
| Cash from Investing | -45.83M | -23.37M | -3.26M | -6.65M | -8.16M | 5.47M |
| Capital Expenditures | -218K | -13K | -3.26M | -220K | -527K | -792K |
| CapEx % of Revenue | 0.91% | 0.03% | 2.54% | 0.32% | 0.75% | 1% |
| Acquisitions | -44.87M | -19.21M | 0 | 0 | 0 | 0 |
| Investments | - | - | - | - | - | - |
| Other Investing | -743K | -4.15M | 0 | -6.43M | 0 | 6.26M |
| Cash from Financing | 40.1M | 39.38M | 26.58M | 192.86M | 57K | -3.89M |
| Debt Issued (Net) | 28.51M | -2.12M | -19.44M | 0 | 0 | 0 |
| Equity Issued (Net) | 1000K | 1000K | 1000K | 1000K | 0 | 528K |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Financing | 71K | -25K | -3.36M | -15.64M | 57K | -4.42M |
| Net Change in Cash | -3.95M | 13.48M | 34.23M | 118.56M | -49.18M | -39.53M |
| Free Cash Flow | 1.13M | -3.69M | 7.64M | -75.46M | -41.98M | -41.33M |
| FCF Margin % | 4.69% | -7.73% | 5.97% | -108.75% | -60.13% | -52.09% |
| FCF Growth % | - | -427.42% | 307.18% | -1087% | 44.36% | 1.57% |
| FCF per Share | 0.33 | -1.07 | 2.11 | -7.81 | -3.63 | -3.38 |
| FCF Conversion (FCF/Net Income) | -0.12x | 0.26x | -0.59x | 0.62x | 0.46x | 0.61x |
| Interest Paid | 160K | 425K | 2.12M | 0 | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 145K | 913K |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -40.71% | -10.4% | -10.79% | -43.12% | -30.38% | -26.79% |
| Return on Invested Capital (ROIC) | -23.95% | -6.15% | -5.19% | -71.73% | -50.01% | -45.59% |
| Gross Margin | 100% | 100% | 97.63% | 99.3% | 99.38% | -43.28% |
| Net Margin | -63.36% | -20.34% | -14.45% | -161.22% | -129.22% | -83.62% |
| Debt / Equity | 0.97x | 0.21x | 0.12x | 0.02x | 0.04x | 0.06x |
| Interest Coverage | -86.15x | -3.17x | -4.24x | - | - | - |
| FCF Conversion | -0.12x | 0.26x | -0.59x | 0.62x | 0.46x | 0.61x |
| Revenue Growth | - | 98.58% | 168.15% | -45.82% | 0.63% | 13.62% |
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