Saco and Biddeford Savings offers a range of banking services including checking and savings accounts, credit and debit cards, loans, and digital banking services. It serves both individual and business clients.

Saco and Biddeford Savings

Brex Inc. is an American financial service and technology company that offers business credit cards and cash management accounts to technology companies. The company also provides a financial software platform, Brex Empower, to help people comply with their employers' expense policies.

Pedro Franceschi

Henrique Dubugras

Brex Inc.

PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.

Elon Musk

Ken Howery

Luke Nosek

Max Levchin

Peter Thiel

PayPal Holdings, Inc.

Ramp Network provides infrastructure for buying and selling cryptocurrency, allowing users to connect fiat to crypto and vice versa.

Metric
Company Name	Saco and Biddeford Savings	Brex Inc.	PayPal Holdings, Inc.	Ramp Network
Symbol			PYPL
MSH ID	BANK:SBSAVINGS	COM:BREX	COM:PAYPAL	NETWORK:RAMP
Market	PRIVATE	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services & Finance	Financial Services & Finance	Financial Services	Financial Services & Finance
Industry	Banking	Fintech	Financial - Credit Services	Cryptocurrency
Country	US	US	US	US
Stage		Series D		Series B
Employee Count		1.40K	27.20K
Website	sbsavings.bank	brex.com	paypal.com	ramp.network
LinkedIn		brexhq	paypal
Founders

Metric
Market Cap		61.61B
Enterprise Value
Monthly Web Traffic	995.28K		1.02M
Web Traffic Growth	-0.08		0.11
Valuation
Raised Capital			70M

Metric
Revenue			29.77B
Revenue (LTM)
Revenue (NTM)
Gross Profit			13.70B
EBITDA			6.54B
Operating Income			5.03B
Net Income			4.25B
EPS			3.85
Diluted EPS			3.84
Revenue 2022
Revenue 2023
Revenue 2024
Revenue 2025
Revenue 2026

Metric
Revenue Growth (LTM)
Revenue Growth (NTM)
Gross Profit Growth (LTM)
EBITDA Growth (LTM)
Net Income Growth (LTM)
14-Day Growth Score
28-Day Growth Score
90-Day Growth Score
365-Day Growth Score

Metric
Gross Profit Margin			0.46
Operating Profit Margin			0.18
EBITDA Margin			0.22
Net Profit Margin			0.14
Return on Equity			0.22
Return on Assets			26.95
Return on Capital Employed			25.30

SBSA

BANK:SBSAVINGS

Saco and Biddeford Savings

Company Overview

Market Metrics

Financial Performance

Growth Metrics

Profitability Ratios

Valuation Multiples

Operational Metrics

Cash Flow Metrics

Balance Sheet Metrics

Efficiency Metrics

Metric
P/E Ratio			17.92
P/B Ratio			3.42
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			2.68
EV Multiple			11.51

Metric
Days Sales Outstanding			509.94
Days Payables Outstanding			917.46
Days Inventory Outstanding			0.07
Operating Cycle			564.04
Cash Conversion Cycle			442.42
Asset Turnover			189.01

Metric
Operating Cash Flow			4.84B
Free Cash Flow			4.22B
Cash Flow to Debt			0.75
Operating Cash Flow/Sales			0.24
Free Cash Flow Yield			0.04

Metric
Cash & Equivalents			9.08B
Accounts Receivable			-114M
Inventory			3M
Goodwill			11.03B
Debt to Capitalization			0.37
Debt to Assets			0.14
Current Ratio			1.30
Quick Ratio			1.37

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue			0.05
R&D to Revenue			0.10
SG&A to Revenue			0.07