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We are a leading provider of cloud-based bill payment technology and solutions. We deliver our next-generation product suite through a modern technology stack to a broad and diverse base of business and financial institution clients.
$26.64
$1.21 (-4.34%)
Price from 26 days ago
Operating margin is thin at 6.31%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue grew 37.3%, still solid.
At 47x earnings, the current multiple leaves limited room for execution misses or growth deceleration.
46.7x earnings, 24.3x 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)
$1.28B
▲ +37.3% YoY
Net Income (TTM)
$74M
▲ +51.5% YoY
Op. Margin
6.75%
▲ +1.2pp YoY
ROIC
11.47%
▲ +3.3pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
$142M
▲ +156.1% YoY
Op. Cash Flow (TTM)
$142M
▲ +154.8% YoY
Net Debt
-$332M
Net Cash Position
Cash & Equiv.
$339M
5Y CAGR: +31.7%
5Y CAGR: +35.7%
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