| 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 | 272.22M | 364.18M | 549.18M | 512.4M | 448.18M | 408.7M |
| Revenue Growth % | - | 33.78% | 50.8% | -6.7% | -12.53% | -8.81% |
| Cost of Goods Sold | 42.55M | 154.6M | 239.25M | 62.7M | 56.8M | 50.66M |
| COGS % of Revenue | 15.63% | 42.45% | 43.56% | 12.24% | 12.67% | 12.4% |
| Gross Profit | 229.67M | 209.57M | 309.93M | 449.71M | 391.38M | 358.04M |
| Gross Margin % | 84.37% | 57.55% | 56.44% | 87.76% | 87.33% | 87.6% |
| Gross Profit Growth % | - | -8.75% | 47.89% | 45.1% | -12.97% | -8.52% |
| Operating Expenses | 204.1M | 748.26M | 1.28B | 362.42M | 339.57M | 269.05M |
| OpEx % of Revenue | 74.98% | 205.47% | 232.62% | 70.73% | 75.77% | 65.83% |
| Selling, General & Admin | 198.09M | 740.94M | 1.27B | 350.51M | 324.34M | 251.94M |
| SG&A % of Revenue | 72.77% | 203.45% | 230.77% | 68.41% | 72.37% | 61.65% |
| Research & Development | 3.67M | 4.77M | 7.49M | 8.82M | 8.83M | 9.91M |
| R&D % of Revenue | 1.35% | 1.31% | 1.36% | 1.72% | 1.97% | 2.42% |
| Other Operating Expenses | 2.33M | 2.55M | 2.68M | 3.09M | 6.4M | 7.2M |
| Operating Income | 25.57M | -538.69M | -967.59M | 87.28M | 51.8M | 88.99M |
| Operating Margin % | 9.39% | -147.92% | -176.19% | 17.03% | 11.56% | 21.77% |
| Operating Income Growth % | - | -2206.72% | -79.62% | 109.02% | -40.65% | 71.77% |
| EBITDA | 27.9M | -536.14M | -964.92M | 89.86M | 55.63M | 91.74M |
| EBITDA Margin % | 10.25% | -147.22% | -175.7% | 17.54% | 12.41% | 22.45% |
| EBITDA Growth % | - | -2021.36% | -79.98% | 109.31% | -38.1% | 64.92% |
| D&A (Non-Cash Add-back) | 2.33M | 2.55M | 2.68M | 2.58M | 3.82M | 2.75M |
| EBIT | 25.57M | -538.69M | -967.59M | 87.28M | 54.39M | 93.43M |
| Net Interest Income | 1.56M | 477K | -110K | -295K | 4.9M | 5.29M |
| Interest Income | 1.56M | 477K | 0 | 0 | 4.9M | 5.29M |
| Interest Expense | 0 | 0 | 110K | 295K | 0 | 0 |
| Other Income/Expense | 2.42M | -2.4M | 16.07M | 15.38M | 4.29M | 7.37M |
| Pretax Income | 27.99M | -541.09M | -951.52M | 102.66M | 56.1M | 96.36M |
| Pretax Margin % | 10.28% | -148.58% | -173.26% | 20.04% | 12.52% | 23.58% |
| Income Tax | 0 | 0 | 2.36M | 1.49M | 1.8M | 3.25M |
| Effective Tax Rate % | 99.87% | 99.5% | 106.49% | 17.52% | 3.18% | 7.33% |
| Net Income | 27.96M | -538.37M | -1.01B | 17.99M | 1.78M | 7.06M |
| Net Margin % | 10.27% | -147.83% | -184.51% | 3.51% | 0.4% | 1.73% |
| Net Income Growth % | - | -2025.72% | -88.22% | 101.78% | -90.09% | 296.13% |
| Net Income (Continuing) | 27.99M | -541.09M | -953.88M | 101.17M | 54.3M | 93.11M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | -5.77M | -5.87M | -356.72M | -277.19M | -277.86M | -205.39M |
| EPS (Diluted) | 10.80 | -208.07 | -504.69 | 14.54 | 1.00 | 3.57 |
| EPS Growth % | - | -2026.57% | -142.56% | 102.88% | -93.12% | 257% |
| EPS (Basic) | 10.80 | -208.07 | -504.69 | 14.61 | 1.12 | 3.68 |
| Diluted Shares Outstanding | 2.59M | 2.59M | 1.89M | 1.24M | 1.67M | 1.97M |
| Basic Shares Outstanding | 2.59M | 2.59M | 1.89M | 1.23M | 1.59M | 1.92M |
| Dividend Payout Ratio | 73.22% | - | - | - | 322.33% | 21.33% |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Total Current Assets | 205.7M | 180.64M | 246.39M | 279.18M | 267.84M | 168.83M |
| Cash & Short-Term Investments | 170.52M | 114.42M | 139.08M | 158.57M | 155.17M | 97.88M |
| Cash Only | 170.52M | 114.42M | 139.08M | 158.57M | 155.17M | 97.88M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 7.33M | 13.27M | 8.6M | 5.55M | 9.71M | 2.42M |
| Days Sales Outstanding | 9.83 | 13.3 | 5.72 | 3.95 | 7.91 | 2.16 |
| Inventory | 0 | 0 | 0 | 111.69M | 0 | 0 |
| Days Inventory Outstanding | - | - | - | 650.19 | - | - |
| Other Current Assets | 22.74M | 44.41M | 85.67M | -8.36M | 93.65M | 58.48M |
| Total Non-Current Assets | 70.5M | 104.18M | 175.16M | 163.33M | 128.71M | 90.68M |
| Property, Plant & Equipment | 16.08M | 13.75M | 12.09M | 10.36M | 8.02M | 3.77M |
| Fixed Asset Turnover | 16.93x | 26.48x | 45.43x | 49.46x | 55.88x | 108.29x |
| Goodwill | 18.1M | 18.1M | 23.29M | 31.31M | 31.04M | 30.04M |
| Intangible Assets | 7.18M | 5.28M | 8.61M | 16.05M | 6.25M | 4.67M |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 29.14M | 67.04M | 122.21M | 98.29M | 73.71M | 42.12M |
| Total Assets | 276.2M | 284.81M | 421.55M | 442.51M | 396.56M | 259.51M |
| Asset Turnover | 0.99x | 1.28x | 1.30x | 1.16x | 1.13x | 1.57x |
| Asset Growth % | - | 3.12% | 48.01% | 4.97% | -10.38% | -34.56% |
| Total Current Liabilities | 254.43M | 345.54M | 395.49M | 385.51M | 373.89M | 260.21M |
| Accounts Payable | 4.98M | 11.97M | 4.76M | 686K | 559K | 4.01M |
| Days Payables Outstanding | 42.71 | 28.26 | 7.26 | 3.99 | 3.59 | 28.9 |
| Short-Term Debt | 4.26M | 0 | 0 | 0 | 0 | 0 |
| Deferred Revenue (Current) | 0 | 278.27M | 317.13M | 315.23M | 287.75M | 217.97M |
| Other Current Liabilities | 209.59M | 19.58M | 24.91M | 37.64M | 42.24M | 36.26M |
| Current Ratio | 0.81x | 0.52x | 0.62x | 0.72x | 0.72x | 0.65x |
| Quick Ratio | 0.81x | 0.52x | 0.62x | 0.43x | 0.72x | 0.65x |
| Cash Conversion Cycle | - | - | - | 650.15 | - | - |
| Total Non-Current Liabilities | 289.84M | 859.88M | 431.32M | 355.38M | 311.61M | 217.23M |
| Long-Term Debt | 1.13M | 0 | 0 | 0 | 0 | 0 |
| Capital Lease Obligations | 8.49M | 7.83M | 6.93M | 5.83M | 4.37M | 2.74M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 280.21M | 597.58M | 31.35M | 1.28M | 2.9M | 5.48M |
| Total Liabilities | 544.27M | 1.21B | 826.82M | 740.89M | 685.5M | 477.44M |
| Total Debt | 15.96M | 8.9M | 8.21M | 7.32M | 5.81M | 4.37M |
| Net Debt | -154.56M | -105.52M | -130.87M | -151.26M | -149.36M | -93.51M |
| Debt / Equity | - | - | - | - | - | - |
| Debt / EBITDA | 0.57x | - | - | 0.08x | 0.10x | 0.05x |
| Net Debt / EBITDA | -5.54x | - | - | -1.68x | -2.69x | -1.02x |
| Interest Coverage | - | - | -8796.30x | 295.87x | - | - |
| Total Equity | -268.06M | -920.61M | -405.26M | -298.38M | -288.94M | -217.92M |
| Equity Growth % | - | -243.43% | 55.98% | 26.37% | 3.16% | 24.58% |
| Book Value per Share | -103.60 | -355.79 | -214.42 | -241.15 | -173.48 | -110.60 |
| Total Shareholders' Equity | -262.3M | -914.75M | -48.55M | -21.2M | -11.08M | -12.54M |
| Common Stock | -262.29M | 0 | 31K | 32K | 33K | 32K |
| Retained Earnings | 0 | 0 | -146.12M | -128.13M | -126.34M | -119.28M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | -3K | -17K | -9K | 44K | 65K | 56K |
| Minority Interest | -5.77M | -5.87M | -356.72M | -277.19M | -277.86M | -205.39M |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash from Operations | 54.2M | 55.88M | 63.63M | 48.37M | 62.43M | -22.15M |
| Operating CF Margin % | 19.91% | 15.34% | 11.59% | 9.44% | 13.93% | -5.42% |
| Operating CF Growth % | - | 3.09% | 13.88% | -23.98% | 29.05% | -135.48% |
| Net Income | 27.99M | -538.37M | -953.88M | 101.17M | 1.78M | 93.11M |
| Depreciation & Amortization | 2.33M | 2.55M | 2.68M | 3.09M | 3.82M | 2.75M |
| Stock-Based Compensation | 8.61M | 553.6M | 210.91M | 9.04M | 23.38M | 12.2M |
| Deferred Taxes | -3.26M | 0 | 2.36M | 1.49M | 1.8M | 2.87M |
| Other Non-Cash Items | 3.1M | 110.37M | 711.81M | -13.55M | 60.62M | 4.96M |
| Working Capital Changes | 15.42M | -72.27M | 89.76M | -52.87M | -28.98M | -138.04M |
| Change in Receivables | -6.51M | -5.07M | 4.59M | 3.77M | -488K | 2.65M |
| Change in Inventory | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash from Investing | 12.39M | -9.65M | -8.31M | -13.24M | -1.9M | -681K |
| Capital Expenditures | -929K | -290K | -1.17M | -171K | -65K | -133K |
| CapEx % of Revenue | 0.34% | 0.08% | 0.21% | 0.03% | 0.01% | 0.03% |
| Acquisitions | 13.32M | -9.16M | -7.14M | -13.07M | -170K | 0 |
| Investments | - | - | - | - | - | - |
| Other Investing | 0 | -195K | 0 | 0 | -1.66M | -548K |
| Cash from Financing | -27.34M | -103.37M | -30.68M | -16.19M | -63.95M | -34.46M |
| Debt Issued (Net) | -1.93M | -5.39M | 0 | 1.16M | 0 | 0 |
| Equity Issued (Net) | 0 | 0 | -1000K | -1000K | 678K | -1000K |
| Dividends Paid | -20.47M | -101.77M | -135.45M | 0 | -5.74M | -1.51M |
| Share Repurchases | 0 | 0 | -3.34M | -13.05M | -5.74M | -10.8M |
| Other Financing | -4.94M | 3.79M | 108.11M | -5.12M | -58.89M | -22.45M |
| Net Change in Cash | 39.21M | -57.16M | 24.65M | 19M | -3.4M | -57.3M |
| Free Cash Flow | 53.27M | 55.59M | 62.46M | 48.2M | 60.7M | -22.83M |
| FCF Margin % | 19.57% | 15.26% | 11.37% | 9.41% | 13.54% | -5.59% |
| FCF Growth % | - | 4.34% | 12.37% | -22.83% | 25.93% | -137.61% |
| FCF per Share | 20.59 | 21.48 | 33.05 | 38.96 | 36.44 | -11.59 |
| FCF Conversion (FCF/Net Income) | 1.94x | -0.10x | -0.06x | 2.69x | 35.03x | -3.14x |
| Interest Paid | 0 | 339K | 0 | 0 | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Gross Margin | 84.37% | 57.55% | 56.44% | 87.76% | 87.33% | 87.6% |
| Net Margin | 10.27% | -147.83% | -184.51% | 3.51% | 0.4% | 1.73% |
| Interest Coverage | - | - | -8796.30x | 295.87x | - | - |
| FCF Conversion | 1.94x | -0.10x | -0.06x | 2.69x | 35.03x | -3.14x |
| Revenue Growth | - | 33.78% | 50.8% | -6.7% | -12.53% | -8.81% |
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