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As employees at financial institutions ( FIs ) do their daily work and serve their clients, they often face inefficiencies from disparate systems, broken workflows, manual processes, and the inability to utilize their data effectively. This negatively impacts risk management, decision making, and the experiences of bankers and their clients.
$15.88
$0.75 (-4.51%)
Price from 2 days ago
Operating margin is thin at 0.63%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue up 10.0% YoY with margins expanding 4.0pp.
At 132x earnings, the current multiple leaves limited room for execution misses or growth deceleration.
132.3x earnings, 15.7x FCF. The market is pricing in years of above-average growth. If that thesis breaks, downside from multiple compression alone could be 30%+. This is a stock where you're paying for the future, not the present.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
$610M
▲ +10.0% YoY
Net Income (TTM)
$13M
▲ +113.7% YoY
Op. Margin
4.32%
▲ +4.0pp YoY
ROIC
1.79%
▲ +1.5pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$111M
▲ +54.7% YoY
Op. Cash Flow (TTM)
$117M
▲ +63.2% YoY
Net Debt
$224M
Cash & Equiv.
$103M
5Y CAGR: +23.8%
5Y CAGR: +76.0%
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