| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| KLARKlarna Group plc | 5.12B | 13.56 | 2023.88 | 21.17% | -9.29% | -10.65% | 10.6% | 0.35 |
| AFRMAffirm Holdings, Inc. | 15.27B | 46.98 | 313.20 | 38.8% | 9.66% | 7.96% | 3.94% | 2.56 |
| RELYRemitly Global, Inc. | 3.5B | 16.70 | 53.87 | 29.37% | 1.36% | 2.63% | 8.46% | 0.22 |
| TOSTToast, Inc. | 14.28B | 27.31 | 48.77 | 24.05% | 5.56% | 16.1% | 4.26% | 0.02 |
| DLODLocal Limited | 2.03B | 12.24 | 31.38 | 14.7% | 17.8% | 33.87% | 0.11 | |
| XYZBlock, Inc. | 38.35B | 63.70 | 30.33 | 0.3% | 5.39% | 5.88% | 6.32% | 0.33 |
| CSGSCSG Systems International, Inc. | 2.31B | 79.90 | 26.37 | 2.39% | 7.17% | 30.93% | 4.91% | 2.03 |
| CPAYCorpay, Inc. | 22.81B | 325.10 | 23.27 | 5.77% | 24.37% | 25.52% | 7.74% | 2.54 |
Analyze head-to-head performance against top industry competitors across valuation, growth, and profitability metrics.
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 1.15B | 1.25B | 1.35B | 126.57M | 256.96M | 458.61M | 653.56M | 944.28M | 1.26B | 1.64B |
| Revenue Growth % | 2624.63% | 9.09% | 7.74% | -90.6% | 103.02% | 78.48% | 42.51% | 44.48% | 33.85% | 29.37% |
| Cost of Goods Sold | 1.07B | 1.18B | 1.29B | 73.3M | 135.84M | 237.13M | 326.93M | 411.63M | 515.52M | 0 |
| COGS % of Revenue | 93.46% | 94.66% | 95.61% | 57.92% | 52.87% | 51.71% | 50.02% | 43.59% | 40.79% | - |
| Gross Profit | 74.9M | 66.7M | 59.1M | 53.26M | 121.11M | 221.47M | 326.63M | 532.65M | 748.44M | 0 |
| Gross Margin % | 6.54% | 5.34% | 4.39% | 42.08% | 47.13% | 48.29% | 49.98% | 56.41% | 59.21% | - |
| Gross Profit Growth % | 358.24% | -10.95% | -11.39% | -9.87% | 127.38% | 82.86% | 47.48% | 63.08% | 40.51% | -100% |
| Operating Expenses | 58M | 63.4M | 54.7M | 103.87M | 150.3M | 261.2M | 447.66M | 646.85M | 787.53M | 881.94M |
| OpEx % of Revenue | 5.06% | 5.07% | 4.06% | 82.06% | 58.49% | 56.95% | 68.5% | 68.5% | 62.31% | 53.94% |
| Selling, General & Admin | 56M | 61M | 52.3M | 69.2M | 105.46M | 191.85M | 302.22M | 413.79M | 499.66M | 568.03M |
| SG&A % of Revenue | 4.89% | 4.88% | 3.88% | 54.67% | 41.04% | 41.83% | 46.24% | 43.82% | 39.53% | 34.74% |
| Research & Development | 0 | 0 | 0 | 32.01M | 40.78M | 64.09M | 138.72M | 219.94M | 269.82M | 313.91M |
| R&D % of Revenue | - | - | - | 25.29% | 15.87% | 13.98% | 21.23% | 23.29% | 21.35% | 19.2% |
| Other Operating Expenses | 2M | 2.4M | 2.4M | 2.66M | 4.06M | 5.26M | 6.72M | 13.12M | 18.05M | 0 |
| Operating Income | 17.4M | -68.8M | -129.3M | -50.6M | -29.18M | -39.72M | -121.04M | -114.19M | -39.09M | 77.47M |
| Operating Margin % | 1.52% | -5.51% | -9.6% | -39.98% | -11.36% | -8.66% | -18.52% | -12.09% | -3.09% | 4.74% |
| Operating Income Growth % | 906.94% | -495.4% | -87.94% | 60.86% | 42.33% | -36.11% | -204.71% | 5.65% | 65.77% | 298.2% |
| EBITDA | 63.4M | -14M | -76.6M | -47.94M | -25.12M | -34.47M | -114.31M | -101.08M | -21.03M | 102.5M |
| EBITDA Margin % | 5.53% | -1.12% | -5.69% | -37.88% | -9.78% | -7.52% | -17.49% | -10.7% | -1.66% | 6.27% |
| EBITDA Growth % | 1986.9% | -122.08% | -447.14% | 37.41% | 47.6% | -37.19% | -231.67% | 11.58% | 79.19% | 587.36% |
| D&A (Non-Cash Add-back) | 46M | 54.8M | 52.7M | 2.66M | 4.06M | 5.26M | 6.72M | 13.12M | 18.05M | 25.03M |
| EBIT | -7.4M | -69.1M | -128.4M | -49.52M | -30.21M | -36.46M | -111.67M | -109.59M | -27.01M | 0 |
| Net Interest Income | 0 | 0 | 0 | -497K | -916K | -1.12M | 2.85M | 5.09M | 4.84M | 0 |
| Interest Income | 0 | 0 | 0 | 1.11M | 273K | 140K | 4.15M | 7.45M | 8.08M | 7.7M |
| Interest Expense | 33.4M | 34.7M | 200K | 1.61M | 1.19M | 1.26M | 1.3M | 2.35M | 3.24M | -7.61M |
| Other Income/Expense | -58.2M | -35M | 700K | -531K | -2.22M | 2.01M | 8.06M | 2.26M | 8.84M | -5.84M |
| Pretax Income | -40.8M | -103.8M | -128.6M | -51.13M | -31.4M | -37.71M | -112.98M | -111.94M | -30.25M | 71.63M |
| Pretax Margin % | -3.56% | -8.31% | -9.55% | -40.4% | -12.22% | -8.22% | -17.29% | -11.85% | -2.39% | 4.38% |
| Income Tax | -9.1M | -600K | -7.8M | 259K | 1.16M | 1.04M | 1.04M | 5.9M | 6.73M | 3.69M |
| Effective Tax Rate % | 77.7% | 99.42% | 93.93% | 100.51% | 103.7% | 102.77% | 100.92% | 105.27% | 122.24% | 94.84% |
| Net Income | -31.7M | -103.2M | -120.8M | -51.39M | -32.56M | -38.76M | -114.02M | -117.84M | -36.98M | 67.93M |
| Net Margin % | -2.77% | -8.26% | -8.97% | -40.6% | -12.67% | -8.45% | -17.45% | -12.48% | -2.93% | 4.15% |
| Net Income Growth % | -1106.67% | -225.55% | -17.05% | 57.46% | 36.64% | -19.01% | -194.2% | -3.35% | 68.62% | 283.71% |
| Net Income (Continuing) | -31.7M | -103.2M | -120.8M | -51.39M | -32.56M | -38.76M | -114.02M | -117.84M | -36.98M | 67.93M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -1.09 | -3.57 | -4.17 | -0.42 | -0.20 | -0.64 | -0.68 | -0.65 | -0.19 | 0.31 |
| EPS Growth % | -2594.28% | -227.52% | -16.81% | 89.93% | 52.38% | -220% | -6.25% | 4.41% | 70.77% | 263.16% |
| EPS (Basic) | -1.09 | -3.57 | -4.17 | -0.42 | -0.21 | -0.64 | -0.68 | -0.65 | -0.19 | 0.33 |
| Diluted Shares Outstanding | 29.2M | 28.95M | 28.97M | 21.29M | 152.03M | 60.73M | 167.77M | 180.82M | 194.65M | 217.57M |
| Basic Shares Outstanding | 29.2M | 28.95M | 28.97M | 17.22M | 162.65M | 60.73M | 167.77M | 180.82M | 194.65M | 205.83M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - | - |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 271.8M | 286.8M | 305.1M | 248.53M | 345.33M | 607.55M | 669.42M | 932.12M | 897.51M | 1.32B |
| Cash & Short-Term Investments | 35.7M | 27.8M | 31.9M | 182.35M | 186.69M | 403.26M | 300.63M | 323.71M | 368.1M | 828.88M |
| Cash Only | 35.7M | 27.2M | 24.9M | 182.35M | 186.69M | 403.26M | 300.63M | 323.71M | 368.1M | 542.43M |
| Short-Term Investments | 0 | 600K | 7M | 0 | 0 | 0 | 0 | 0 | 0 | 286.45M |
| Accounts Receivable | 77.2M | 88.4M | 122.5M | 29.52M | 50.73M | 67.22M | 191.4M | 397.83M | 213.02M | 0 |
| Days Sales Outstanding | 24.6 | 25.82 | 33.21 | 85.14 | 72.06 | 53.5 | 106.89 | 153.78 | 61.51 | - |
| Inventory | 101.2M | 118.2M | 107.3M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Days Inventory Outstanding | 34.5 | 36.47 | 30.42 | - | - | - | - | - | - | - |
| Other Current Assets | 57.7M | 52.4M | 43.4M | 4.82M | 6.35M | 17.45M | 19.33M | 4.31M | 5.08M | 487.07M |
| Total Non-Current Assets | 429.1M | 358.7M | 287M | 17.53M | 17.66M | 18.11M | 26.53M | 104.19M | 115.36M | 142.76M |
| Property, Plant & Equipment | 301.5M | 289.2M | 247.5M | 15.81M | 15.28M | 14.55M | 20.22M | 25.54M | 44.57M | 73.97M |
| Fixed Asset Turnover | 3.80x | 4.32x | 5.44x | 8.00x | 16.82x | 31.52x | 32.32x | 36.98x | 28.36x | 22.10x |
| Goodwill | 104.3M | 42.2M | 9.8M | 0 | 0 | 0 | 0 | 54.94M | 54.94M | 54.94M |
| Intangible Assets | 15.1M | 12.5M | 0 | 0 | 0 | 0 | 0 | 16.64M | 10.46M | 2.13M |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Assets | 2.4M | 1.3M | 20.7M | 1.72M | 2.38M | 3.56M | 6.31M | 7.07M | 5.39M | 11.72M |
| Total Assets | 700.9M | 645.5M | 592.1M | 266.06M | 362.99M | 625.66M | 695.95M | 1.04B | 1.01B | 1.46B |
| Asset Turnover | 1.63x | 1.94x | 2.27x | 0.48x | 0.71x | 0.73x | 0.94x | 0.91x | 1.25x | 1.12x |
| Asset Growth % | 474.87% | -7.9% | -8.27% | -55.07% | 36.43% | 72.36% | 11.23% | 48.9% | -2.26% | 44.02% |
| Total Current Liabilities | 155.1M | 164.5M | 232M | 144.57M | 181.78M | 141.62M | 209.14M | 366.84M | 329.01M | 399.05M |
| Accounts Payable | 100.9M | 115.8M | 96.4M | 202K | 4.26M | 1.21M | 6.79M | 35.05M | 16.16M | 28.45M |
| Days Payables Outstanding | 34.4 | 35.73 | 27.33 | 1.01 | 11.44 | 1.86 | 7.59 | 31.08 | 11.44 | - |
| Short-Term Debt | 2.3M | 2.3M | 3.6M | 45M | 80M | 0 | 0 | 2.48M | 2.47M | 8.99M |
| Deferred Revenue (Current) | 6M | 2M | 9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 45.9M | 44.4M | 123M | 84.08M | 74.77M | 94.09M | 143.03M | 256.34M | 230.56M | 390.06M |
| Current Ratio | 1.75x | 1.74x | 1.32x | 1.72x | 1.90x | 4.29x | 3.20x | 2.54x | 2.73x | 3.30x |
| Quick Ratio | 1.10x | 1.02x | 0.85x | 1.72x | 1.90x | 4.29x | 3.20x | 2.54x | 2.73x | 3.30x |
| Cash Conversion Cycle | 24.7 | 26.56 | 36.3 | - | - | - | - | - | - | - |
| Total Non-Current Liabilities | 324.2M | 363.6M | 14.5M | 5.41M | 4.83M | 3.72M | 6.72M | 140.13M | 18.39M | 190.87M |
| Long-Term Debt | 312.1M | 354.2M | 4.4M | 0 | 0 | 0 | 0 | 130M | 0 | 183.13M |
| Capital Lease Obligations | 0 | 0 | 0 | 5.4M | 4.01M | 2.91M | 5.67M | 4.48M | 9.07M | 0 |
| Deferred Tax Liabilities | 6.7M | 2.5M | 2.7M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Current Liabilities | 215M | 243.5M | -94.5M | 15K | 827K | 813K | 1.05M | 5.65M | 9.32M | 7.74M |
| Total Liabilities | 559.3M | 612.1M | 673.2M | 149.98M | 186.61M | 145.34M | 215.87M | 506.97M | 347.4M | 589.92M |
| Total Debt | 314.4M | 356.5M | 8M | 53.02M | 86.97M | 6.15M | 9.2M | 142.99M | 16.29M | 192.12M |
| Net Debt | 278.7M | 329.3M | -16.9M | -129.34M | -99.73M | -397.12M | -291.44M | -180.72M | -351.81M | -350.3M |
| Debt / Equity | 2.22x | 10.67x | - | 0.46x | 0.49x | 0.01x | 0.02x | 0.27x | 0.02x | 0.22x |
| Debt / EBITDA | 4.96x | - | - | - | - | - | - | - | - | 1.87x |
| Net Debt / EBITDA | 4.40x | - | - | - | - | - | - | - | - | -3.42x |
| Interest Coverage | 0.52x | -1.98x | -646.50x | -31.47x | -24.54x | -31.63x | -92.96x | -48.55x | -12.06x | - |
| Total Equity | 141.6M | 33.4M | -81.1M | 116.08M | 176.38M | 480.33M | 480.09M | 529.34M | 665.47M | 868.79M |
| Equity Growth % | 65.21% | -76.41% | -342.81% | 243.13% | 51.95% | 172.33% | -0.05% | 10.26% | 25.72% | 30.55% |
| Book Value per Share | 4.85 | 1.15 | -2.80 | 5.45 | 1.16 | 7.91 | 2.86 | 2.93 | 3.42 | 3.99 |
| Total Shareholders' Equity | 141.6M | 33.4M | -81.1M | 116.08M | 176.38M | 480.33M | 480.09M | 529.34M | 665.47M | 868.79M |
| Common Stock | 28.89M | 4M | 29.72M | 2K | 2K | 16K | 17K | 19K | 20K | 21K |
| Retained Earnings | -403.3M | -506.2M | -627.9M | -188.12M | -220.69M | -259.44M | -373.46M | -491.3M | -528.28M | -460.35M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | -1M | -7.1M | 4.5M | 34K | 591K | 253K | -743K | 335K | -1.66M | 3.6M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2015 | Dec 2016 | Dec 2017 | Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | 92.5M | 9.3M | -12.9M | 8.44M | -114.21M | -18.39M | -108.66M | -53.59M | 194.49M | 325.08M |
| Operating CF Margin % | 8.07% | 0.74% | -0.96% | 6.66% | -44.45% | -4.01% | -16.63% | -5.68% | 15.39% | 19.88% |
| Operating CF Growth % | 763.94% | -89.95% | -238.71% | 165.39% | -1453.99% | 83.9% | -490.81% | 50.68% | 462.91% | 67.15% |
| Net Income | -6.9M | -102.9M | -121.7M | -51.39M | -32.56M | -38.76M | -114.02M | -117.84M | -36.98M | 67.93M |
| Depreciation & Amortization | 46M | 54.8M | 52.7M | 2.66M | 4.06M | 5.26M | 6.72M | 13.12M | 18.05M | 46.76M |
| Stock-Based Compensation | 0 | 0 | 0 | 3.65M | 5.26M | 17.02M | 95.29M | 136.97M | 152.14M | 155.11M |
| Deferred Taxes | 2.1M | 3.9M | 8.9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Non-Cash Items | 4.23M | 44.3M | 94.3M | 37K | 2K | 7.38M | 50.84M | 5.31M | 3.04M | 55.27M |
| Working Capital Changes | 45.77M | 5.6M | -49.2M | 53.48M | -90.97M | -9.29M | -147.5M | -91.15M | 58.23M | 0 |
| Change in Receivables | 3.7M | -14.1M | -28.2M | -17.41M | -20.03M | -17.28M | -126.94M | -183.42M | 186.36M | 0 |
| Change in Inventory | 44.6M | -9.6M | 15.9M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Change in Payables | -8.2M | 18.3M | -6.6M | -1.49M | 4.04M | -3.04M | 0 | 27.56M | -20.82M | 10.06M |
| Cash from Investing | -477.6M | -17.1M | -24.4M | -7.21M | -4.37M | -4.53M | -7.31M | -50.04M | -17.7M | -69.93M |
| Capital Expenditures | -26M | -30.8M | -23.8M | -5.05M | -2.06M | -1.96M | -3.68M | -2.86M | -6M | -29.43M |
| CapEx % of Revenue | 2.27% | 2.46% | 1.77% | 3.99% | 0.8% | 0.43% | 0.56% | 0.3% | 0.47% | 1.8% |
| Acquisitions | -524.7M | -23M | 0 | 0 | 0 | 0 | -248K | -40.93M | 0 | 0 |
| Investments | - | - | - | - | - | - | - | - | - | - |
| Other Investing | 73.1M | 36.7M | -600K | -2.16M | -2.31M | -2.58M | -3.38M | -6.25M | -11.7M | -40.5M |
| Cash from Financing | 358M | 35M | 36.7M | 117.02M | 122.22M | 238.2M | 14.59M | 126.65M | -127.44M | -89.78M |
| Debt Issued (Net) | 0 | 0 | 0 | 6.23M | 35M | -76.94M | -384K | 112.93M | -130M | 0 |
| Equity Issued (Net) | 0 | 0 | 0 | 1000K | 1000K | 1000K | -99K | 0 | 1000K | 0 |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -35.7M | -27.2M | -24.9M | -20.02M | 0 | 0 | -99K | 0 | 0 | -23.89M |
| Other Financing | 358M | 35M | 36.7M | 1.03M | 2.38M | 6.97M | 15.07M | 13.72M | -15.49M | -89.78M |
| Net Change in Cash | -27.1M | -15.8M | 100K | 118.57M | 4.55M | 215.24M | -102.58M | 24.3M | 44.79M | 174.48M |
| Free Cash Flow | 66.5M | -21.5M | -36.7M | 1.23M | -118.58M | -22.93M | -112.33M | -62.69M | 176.78M | 295.65M |
| FCF Margin % | 5.8% | -1.72% | -2.73% | 0.97% | -46.15% | -5% | -17.19% | -6.64% | 13.99% | 18.08% |
| FCF Growth % | 570.66% | -132.33% | -70.7% | 103.34% | -9772.02% | 80.67% | -390.01% | 44.19% | 381.98% | 67.24% |
| FCF per Share | 2.28 | -0.74 | -1.27 | 0.06 | -0.78 | -0.38 | -0.67 | -0.35 | 0.91 | 1.36 |
| FCF Conversion (FCF/Net Income) | -2.92x | -0.09x | 0.11x | -0.16x | 3.51x | 0.47x | 0.95x | 0.45x | -5.26x | 4.79x |
| Interest Paid | 0 | 0 | 0 | 1.56M | 1.06M | 934K | 906K | 1.65M | 2.55M | 0 |
| Taxes Paid | 0 | 0 | 0 | 186K | 421K | 756K | 0 | 5.3M | 3.16M | 0 |
| Metric | 2015 | 2016 | 2017 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -27.89% | -117.94% | - | -293.86% | -22.27% | -11.8% | -23.74% | -23.35% | -6.19% | 8.86% |
| Return on Invested Capital (ROIC) | 5.71% | -13.18% | -73.27% | - | -69.06% | -37.27% | -66.78% | -31.88% | -8.85% | 13.96% |
| Gross Margin | 6.54% | 5.34% | 4.39% | 42.08% | 47.13% | 48.29% | 49.98% | 56.41% | 59.21% | - |
| Net Margin | -2.77% | -8.26% | -8.97% | -40.6% | -12.67% | -8.45% | -17.45% | -12.48% | -2.93% | 4.15% |
| Debt / Equity | 2.22x | 10.67x | - | 0.46x | 0.49x | 0.01x | 0.02x | 0.27x | 0.02x | 0.22x |
| Interest Coverage | 0.52x | -1.98x | -646.50x | -31.47x | -24.54x | -31.63x | -92.96x | -48.55x | -12.06x | - |
| FCF Conversion | -2.92x | -0.09x | 0.11x | -0.16x | 3.51x | 0.47x | 0.95x | 0.45x | -5.26x | 4.79x |
| Revenue Growth | 2624.63% | 9.09% | 7.74% | -90.6% | 103.02% | 78.48% | 42.51% | 44.48% | 33.85% | 29.37% |
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