| 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 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|---|---|---|---|
| Sales/Revenue | 665M | 823M | 1.71B | 2.73B | 3.87B | 4.96B | 6.15B |
| Revenue Growth % | - | 23.76% | 107.17% | 60.18% | 41.52% | 28.33% | 24.05% |
| Cost of Goods Sold | 603M | 683M | 1.39B | 2.22B | 3.03B | 3.77B | 4.56B |
| COGS % of Revenue | 90.68% | 82.99% | 81.58% | 81.29% | 78.42% | 76.01% | 74.11% |
| Gross Profit | 62M | 140M | 314M | 511M | 834M | 1.19B | 1.58B |
| Gross Margin % | 9.32% | 17.01% | 18.42% | 18.71% | 21.58% | 23.99% | 25.76% |
| Gross Profit Growth % | - | 125.81% | 124.29% | 62.74% | 63.21% | 42.69% | 33.19% |
| Operating Expenses | 275M | 360M | 542M | 895M | 1.12B | 1.17B | 1.28B |
| OpEx % of Revenue | 41.35% | 43.74% | 31.79% | 32.77% | 29% | 23.67% | 20.8% |
| Selling, General & Admin | 211M | 251M | 379M | 613M | 763M | 777M | 915M |
| SG&A % of Revenue | 31.73% | 30.5% | 22.23% | 22.45% | 19.74% | 15.67% | 14.87% |
| Research & Development | 64M | 109M | 163M | 282M | 358M | 351M | 371M |
| R&D % of Revenue | 9.62% | 13.24% | 9.56% | 10.33% | 9.26% | 7.08% | 6.03% |
| Other Operating Expenses | 0 | 0 | 0 | 0 | 0 | 46M | -6M |
| Operating Income | -213M | -220M | -228M | -384M | -287M | 16M | 305M |
| Operating Margin % | -32.03% | -26.73% | -13.37% | -14.06% | -7.43% | 0.32% | 4.96% |
| Operating Income Growth % | - | -3.29% | -3.64% | -68.42% | 25.26% | 105.57% | 1806.25% |
| EBITDA | -206M | -193M | -207M | -360M | -255M | 62M | 372M |
| EBITDA Margin % | -30.98% | -23.45% | -12.14% | -13.18% | -6.6% | 1.25% | 6.05% |
| EBITDA Growth % | - | 6.31% | -7.25% | -73.91% | 29.17% | 124.31% | 500% |
| D&A (Non-Cash Add-back) | 7M | 27M | 21M | 24M | 32M | 46M | 67M |
| EBIT | -212M | -236M | -228M | -384M | -287M | 62M | 305M |
| Net Interest Income | 2M | -11.81M | -12M | 11M | 37M | 42M | 51M |
| Interest Income | 2M | 842K | 0 | 11M | 37M | 42M | 51M |
| Interest Expense | 0 | 12.65M | 12M | 0 | 0 | 0 | 0 |
| Other Income/Expense | 1M | -28M | -262M | 107M | 43M | 6M | 41M |
| Pretax Income | -212M | -248M | -490M | -277M | -244M | 22M | 346M |
| Pretax Margin % | -31.88% | -30.13% | -28.74% | -10.14% | -6.31% | 0.44% | 5.62% |
| Income Tax | -3M | 0 | -3M | -2M | 2M | 3M | 4M |
| Effective Tax Rate % | 98.58% | 100% | 99.39% | 99.28% | 100.82% | 86.36% | 98.84% |
| Net Income | -209M | -248M | -487M | -275M | -246M | 19M | 342M |
| Net Margin % | -31.43% | -30.13% | -28.56% | -10.07% | -6.36% | 0.38% | 5.56% |
| Net Income Growth % | - | -18.66% | -96.37% | 43.53% | 10.55% | 107.72% | 1700% |
| Net Income (Continuing) | -209M | -248M | -487M | -275M | -246M | 19M | 342M |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| EPS (Diluted) | -0.45 | -0.54 | -0.97 | -0.72 | -0.47 | 0.03 | 0.56 |
| EPS Growth % | - | -20% | -79.63% | 25.77% | 34.72% | 106.85% | 1639.13% |
| EPS (Basic) | -0.45 | -0.54 | -0.97 | -0.72 | -0.47 | 0.03 | 0.59 |
| Diluted Shares Outstanding | 461.18M | 461.18M | 502.61M | 512.24M | 533M | 591M | 607M |
| Basic Shares Outstanding | 461.18M | 461.18M | 500.05M | 511.75M | 532M | 559M | 582M |
| Dividend Payout Ratio | - | - | - | - | - | - | - |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|---|---|---|---|
| Total Current Assets | 228.47M | 656.27M | 1.46B | 1.36B | 1.51B | 1.9B | 2.67B |
| Cash & Short-Term Investments | 150.37M | 581.82M | 1.27B | 1.02B | 1.12B | 1.42B | 1.99B |
| Cash Only | 150.37M | 581.82M | 809M | 547M | 605M | 903M | 1.35B |
| Short-Term Investments | 0 | 0 | 457M | 474M | 519M | 514M | 638M |
| Accounts Receivable | 44.63M | 33.8M | 55M | 77M | 127M | 115M | 127M |
| Days Sales Outstanding | 24.49 | 14.99 | 11.77 | 10.29 | 11.99 | 8.46 | 7.53 |
| Inventory | 15.39M | 19.33M | 63M | 130M | 124M | 118M | 114M |
| Days Inventory Outstanding | 9.31 | 10.33 | 16.53 | 21.37 | 14.93 | 11.42 | 9.13 |
| Other Current Assets | 6.71M | 10.64M | 41M | 108M | 111M | 251M | 437M |
| Total Non-Current Assets | 77.28M | 119.69M | 280M | 398M | 448M | 562M | 476M |
| Property, Plant & Equipment | 19.96M | 34.06M | 120M | 138M | 111M | 123M | 132M |
| Fixed Asset Turnover | 33.32x | 24.17x | 14.21x | 19.79x | 34.82x | 40.33x | 46.61x |
| Goodwill | 35.89M | 35.89M | 74M | 0 | 113M | 113M | 113M |
| Intangible Assets | 16.66M | 16.89M | 16M | 136M | 26M | 20M | 14M |
| Long-Term Investments | 2.31M | 1.21M | 8M | 28M | 55M | 59M | 71M |
| Other Non-Current Assets | 2.46M | 31.64M | 62M | 96M | 143M | 192M | 146M |
| Total Assets | 305.74M | 775.96M | 1.74B | 1.76B | 1.96B | 2.46B | 3.15B |
| Asset Turnover | 2.18x | 1.06x | 0.98x | 1.55x | 1.97x | 2.01x | 1.96x |
| Asset Growth % | - | 153.79% | 123.6% | 1.5% | 11.19% | 25.79% | 27.69% |
| Total Current Liabilities | 139.7M | 136.41M | 352M | 496M | 663M | 811M | 969M |
| Accounts Payable | 31.52M | 30.55M | 40M | 30M | 32M | 37M | 47M |
| Days Payables Outstanding | 19.08 | 16.33 | 10.5 | 4.93 | 3.85 | 3.58 | 3.76 |
| Short-Term Debt | 9.22M | 0 | 22M | 14M | 11M | 10M | 0 |
| Deferred Revenue (Current) | 39.51M | 43.97M | 44M | 39M | 39M | 59M | 68M |
| Other Current Liabilities | 42.62M | 42.2M | 203M | 339M | 478M | 579M | 854M |
| Current Ratio | 1.64x | 4.81x | 4.13x | 2.75x | 2.28x | 2.34x | 2.75x |
| Quick Ratio | 1.53x | 4.67x | 3.95x | 2.49x | 2.09x | 2.20x | 2.64x |
| Cash Conversion Cycle | 14.73 | 8.99 | 17.81 | 26.73 | 23.07 | 16.3 | 12.9 |
| Total Non-Current Liabilities | 496.47M | 1.11B | 292M | 167M | 101M | 107M | 52M |
| Long-Term Debt | 446.56M | 1.02B | 0 | 0 | 0 | 0 | 20M |
| Capital Lease Obligations | 0 | 0 | 77M | 80M | 33M | 24M | 20M |
| Deferred Tax Liabilities | 0 | 0 | 0 | 0 | 0 | 55M | 0 |
| Other Non-Current Liabilities | 4.02M | 55.85M | 203M | 80M | 68M | 28M | 12M |
| Total Liabilities | 636.17M | 1.25B | 644M | 663M | 764M | 918M | 1.02B |
| Total Debt | 455.78M | 1.02B | 99M | 94M | 44M | 34M | 40M |
| Net Debt | 305.41M | 438.78M | -710M | -453M | -561M | -869M | -1.31B |
| Debt / Equity | - | - | 0.09x | 0.09x | 0.04x | 0.02x | 0.02x |
| Debt / EBITDA | - | - | - | - | - | 0.55x | 0.11x |
| Net Debt / EBITDA | - | - | - | - | - | -14.02x | -3.53x |
| Interest Coverage | - | -17.39x | -19.00x | - | - | - | - |
| Total Equity | -330.43M | -470.98M | 1.09B | 1.1B | 1.19B | 1.54B | 2.12B |
| Equity Growth % | - | -42.54% | 331.65% | 0.64% | 8.74% | 29.4% | 37.48% |
| Book Value per Share | -0.72 | -1.02 | 2.17 | 2.14 | 2.24 | 2.61 | 3.50 |
| Total Shareholders' Equity | -330.43M | -470.98M | 1.09B | 1.1B | 1.19B | 1.54B | 2.12B |
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Retained Earnings | -385.92M | -615.87M | -1.1B | -1.38B | -1.62B | -1.6B | -1.26B |
| Treasury Stock | -460K | -665K | 0 | 0 | 0 | 0 | 0 |
| Accumulated OCI | -55K | 228K | -1M | -2M | 0 | -1M | 2M |
| Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | Dec 2025 | |
|---|---|---|---|---|---|---|---|
| Cash from Operations | -126M | -125M | 2M | -156M | 135M | 360M | 661M |
| Operating CF Margin % | -18.95% | -15.19% | 0.12% | -5.71% | 3.49% | 7.26% | 10.74% |
| Operating CF Growth % | - | 0.79% | 101.6% | -7900% | 186.54% | 166.67% | 83.61% |
| Net Income | -209M | -248M | -487M | -275M | -246M | 19M | 342M |
| Depreciation & Amortization | 7M | 27M | 21M | 24M | 32M | 46M | 67M |
| Stock-Based Compensation | 34M | 86M | 159M | 238M | 287M | 258M | 242M |
| Deferred Taxes | -3M | 0 | -3M | -5M | 0 | 0 | 0 |
| Other Non-Cash Items | 1M | 38M | 301M | -9M | 121M | 185M | 201M |
| Working Capital Changes | 44M | -28M | 11M | -129M | -59M | -148M | -191M |
| Change in Receivables | -26M | -13M | -23M | -35M | -3M | -72M | -33M |
| Change in Inventory | -7M | -4M | -23M | -68M | -7M | 0 | 4M |
| Change in Payables | 15M | -6M | 15M | -11M | 1M | 5M | 11M |
| Cash from Investing | -47M | -36M | -503M | -98M | -86M | -39M | -172M |
| Capital Expenditures | -9M | -28M | -12M | -16M | -42M | -54M | -53M |
| CapEx % of Revenue | 1.35% | 3.4% | 0.7% | 0.59% | 1.09% | 1.09% | 0.86% |
| Acquisitions | -33M | 0 | -26M | -46M | -9M | 0 | 0 |
| Investments | - | - | - | - | - | - | - |
| Other Investing | -5M | -8M | -6M | -17M | -3M | 0 | 0 |
| Cash from Financing | 256M | 594M | 759M | 38M | 63M | 18M | 7M |
| Debt Issued (Net) | 7M | 186M | -245M | 0 | 0 | 36M | 33M |
| Equity Issued (Net) | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K | -1000K |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | -56M | -107M |
| Other Financing | -2M | 7M | 20M | 23M | 27M | -61M | 0 |
| Net Change in Cash | 83M | 435M | 257M | -216M | 112M | 338M | 450M |
| Free Cash Flow | -141M | -161M | -17M | -189M | 93M | 306M | 608M |
| FCF Margin % | -21.2% | -19.56% | -1% | -6.92% | 2.41% | 6.17% | 9.88% |
| FCF Growth % | - | -14.18% | 89.44% | -1011.76% | 149.21% | 229.03% | 98.69% |
| FCF per Share | -0.31 | -0.35 | -0.03 | -0.37 | 0.17 | 0.52 | 1.00 |
| FCF Conversion (FCF/Net Income) | 0.60x | 0.50x | -0.00x | 0.57x | -0.55x | 18.95x | 1.93x |
| Interest Paid | 0 | 5M | 13M | 0 | 0 | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 1M | 2M | 3M | 0 |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | - | -157.09% | -25.13% | -21.47% | 1.39% | 18.64% |
| Return on Invested Capital (ROIC) | - | - | -98.05% | -56.14% | -33.69% | 1.83% | 30.77% |
| Gross Margin | 9.32% | 17.01% | 18.42% | 18.71% | 21.58% | 23.99% | 25.76% |
| Net Margin | -31.43% | -30.13% | -28.56% | -10.07% | -6.36% | 0.38% | 5.56% |
| Debt / Equity | - | - | 0.09x | 0.09x | 0.04x | 0.02x | 0.02x |
| Interest Coverage | - | -17.39x | -19.00x | - | - | - | - |
| FCF Conversion | 0.60x | 0.50x | -0.00x | 0.57x | -0.55x | 18.95x | 1.93x |
| Revenue Growth | - | 23.76% | 107.17% | 60.18% | 41.52% | 28.33% | 24.05% |
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