| 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 2023 | Dec 2024 | |
|---|---|---|
| Sales/Revenue | 84.87M | 119.3M |
| Revenue Growth % | - | 40.57% |
| Cost of Goods Sold | 30.36M | 40.07M |
| COGS % of Revenue | 35.77% | 33.59% |
| Gross Profit | 54.51M | 79.23M |
| Gross Margin % | 64.23% | 66.41% |
| Gross Profit Growth % | - | 45.35% |
| Operating Expenses | 9.08M | 10.78M |
| OpEx % of Revenue | 10.7% | 9.04% |
| Selling, General & Admin | 6.9M | 7.76M |
| SG&A % of Revenue | 8.13% | 6.5% |
| Research & Development | 0 | 0 |
| R&D % of Revenue | - | - |
| Other Operating Expenses | 2.18M | 3.03M |
| Operating Income | 45.43M | 68.45M |
| Operating Margin % | 53.53% | 57.37% |
| Operating Income Growth % | - | 50.66% |
| EBITDA | 47.61M | 71.47M |
| EBITDA Margin % | 56.1% | 59.91% |
| EBITDA Growth % | - | 50.11% |
| D&A (Non-Cash Add-back) | 2.18M | 3.03M |
| EBIT | 45.18M | 63.9M |
| Net Interest Income | -21.02M | -16.64M |
| Interest Income | 308K | 880K |
| Interest Expense | 21.33M | 17.52M |
| Other Income/Expense | -21.57M | -22.07M |
| Pretax Income | 23.86M | 46.38M |
| Pretax Margin % | 28.11% | 38.88% |
| Income Tax | 5.97M | 11.79M |
| Effective Tax Rate % | 74.97% | 74.58% |
| Net Income | 17.89M | 34.59M |
| Net Margin % | 21.07% | 29% |
| Net Income Growth % | - | 93.4% |
| Net Income (Continuing) | 17.89M | 34.59M |
| Discontinued Operations | 0 | 0 |
| Minority Interest | 0 | 0 |
| EPS (Diluted) | 1.04 | 1.58 |
| EPS Growth % | - | 51.92% |
| EPS (Basic) | 1.04 | 1.58 |
| Diluted Shares Outstanding | 9.35M | 9.34M |
| Basic Shares Outstanding | 9.35M | 9.34M |
| Dividend Payout Ratio | 1895.47% | - |
| Dec 2023 | Dec 2024 | |
|---|---|---|
| Total Current Assets | 29.86M | 35.23M |
| Cash & Short-Term Investments | 8.13M | 7.09M |
| Cash Only | 8.13M | 7.09M |
| Short-Term Investments | 0 | 0 |
| Accounts Receivable | 4.88M | 6.71M |
| Days Sales Outstanding | 20.97 | 20.52 |
| Inventory | 0 | 0 |
| Days Inventory Outstanding | - | - |
| Other Current Assets | 16.85M | 21.42M |
| Total Non-Current Assets | 11.81M | 12.93M |
| Property, Plant & Equipment | 0 | 0 |
| Fixed Asset Turnover | - | - |
| Goodwill | 3.79M | 3.79M |
| Intangible Assets | 5.54M | 6.23M |
| Long-Term Investments | 0 | 0 |
| Other Non-Current Assets | 279K | 99K |
| Total Assets | 41.67M | 48.15M |
| Asset Turnover | 2.04x | 2.48x |
| Asset Growth % | - | 15.56% |
| Total Current Liabilities | 29.11M | 48.57M |
| Accounts Payable | 7.4M | 9.69M |
| Days Payables Outstanding | 88.91 | 88.3 |
| Short-Term Debt | 1.9M | 8.55M |
| Deferred Revenue (Current) | 0 | 0 |
| Other Current Liabilities | 8.4M | 11.81M |
| Current Ratio | 1.03x | 0.73x |
| Quick Ratio | 1.03x | 0.73x |
| Cash Conversion Cycle | - | - |
| Total Non-Current Liabilities | 400.16M | 365.57M |
| Long-Term Debt | 172.96M | 125.1M |
| Capital Lease Obligations | 0 | 0 |
| Deferred Tax Liabilities | 0 | 0 |
| Other Non-Current Liabilities | 227.2M | 240.47M |
| Total Liabilities | 429.27M | 414.14M |
| Total Debt | 174.86M | 133.65M |
| Net Debt | 166.73M | 126.56M |
| Debt / Equity | - | - |
| Debt / EBITDA | 3.67x | 1.87x |
| Net Debt / EBITDA | 3.50x | 1.77x |
| Interest Coverage | 2.13x | 3.91x |
| Total Equity | -387.6M | -365.99M |
| Equity Growth % | - | 5.58% |
| Book Value per Share | -41.44 | -39.21 |
| Total Shareholders' Equity | -387.6M | -365.99M |
| Common Stock | 0 | 0 |
| Retained Earnings | -387.64M | -366.32M |
| Treasury Stock | 0 | 0 |
| Accumulated OCI | 0 | 0 |
| Minority Interest | 0 | 0 |
| Dec 2023 | Dec 2024 | |
|---|---|---|
| Cash from Operations | 18.65M | 49.93M |
| Operating CF Margin % | 21.97% | 41.85% |
| Operating CF Growth % | - | 167.74% |
| Net Income | 17.89M | 34.59M |
| Depreciation & Amortization | 2.18M | 3.03M |
| Stock-Based Compensation | 41K | 296K |
| Deferred Taxes | -2.19M | -612K |
| Other Non-Cash Items | 1.78M | 6.33M |
| Working Capital Changes | -1.05M | 6.29M |
| Change in Receivables | -903K | -1.21M |
| Change in Inventory | 0 | 0 |
| Change in Payables | 2.07M | 2.3M |
| Cash from Investing | -4.03M | -3.71M |
| Capital Expenditures | -4.03M | -3.71M |
| CapEx % of Revenue | 4.75% | 3.11% |
| Acquisitions | 0 | 0 |
| Investments | - | - |
| Other Investing | 0 | 0 |
| Cash from Financing | -9.87M | -42.47M |
| Debt Issued (Net) | 108.65M | -43.52M |
| Equity Issued (Net) | 1000K | 0 |
| Dividends Paid | -339.02M | 0 |
| Share Repurchases | -10M | 0 |
| Other Financing | 1.44M | 1.06M |
| Net Change in Cash | 4.75M | 3.75M |
| Free Cash Flow | 14.62M | 46.21M |
| FCF Margin % | 17.22% | 38.74% |
| FCF Growth % | - | 216.16% |
| FCF per Share | 1.56 | 4.95 |
| FCF Conversion (FCF/Net Income) | 1.04x | 1.44x |
| Interest Paid | 20.1M | 17.07M |
| Taxes Paid | 8.6M | 7.31M |
| Metric | 2023 | 2024 |
|---|---|---|
| Gross Margin | 64.23% | 66.41% |
| Net Margin | 21.07% | 29% |
| Interest Coverage | 2.13x | 3.91x |
| FCF Conversion | 1.04x | 1.44x |
| Revenue Growth | - | 40.57% |
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