AFS - Arab Financial Services provides digital transaction processing and payment solutions, including services such as card processing, digital wallets, and value-added services. They focus on fintech innovation and support various financial transactions for consumers and businesses.

AFS - Arab Financial Services

Lune provides financial data enrichment and analytics services to improve transaction data insights for banking and financial institutions. self-described as a provider of the ultimate banking experience using financial data.

Lune

ACI Worldwide, Inc., a software company, develops, markets, installs, and supports a range of software products and solutions for facilitating digital payments to banks, merchants, and billers worldwide. The company offers ACI Acquiring, a merchant management system to deliver digital innovation, improve fraud prevention, and reduce interchange fees; ACI Issuing, a digital payments issuing solution; and ACI Enterprise Payments Platform that provides payment processing and orchestration capabilities for digital payments. It also provides ACI Low Value Real-Time Payments, a platform for processing real-time payments; and ACI High Value Real-Time Payments, a payments engine that offers multi-bank, multi-currency, 24x7 payment processing, and SWIFT messaging. In addition, the company offers ACI Omni Commerce, a scalable, omni-channel payment processing platform; ACI Secure eCommerce solution; ACI Fraud Management, a real-time approach to fraud management; ACI Digital Business Banking, a cloud-based digital banking platform; and ACI Speedpay, an integrated suite of digital billing, payment, disbursement, and communication services. The company offers electronic bill presentment and payment services to consumer finance, insurance, healthcare, higher education, utility, government, and mortgage sectors; implementation services, including product installations and configurations, and custom software modifications; and business and technical consultancy, on-site support, product education, and testing services, as well as distributes or acts as a sales agent for software developed by third parties. It markets its products under the ACI Worldwide brand. The company was formerly known as Transaction Systems Architects, Inc. and changed its name to ACI Worldwide, Inc. in July 2007. The company was founded in 1975 and is based in Coral Gables, Florida.

ACI Worldwide, Inc.

Arqaam Capital is a self-described leading financial services firm focusing on emerging and frontier markets.

Metric
Company Name	AFS - Arab Financial Services	Lune	ACI Worldwide, Inc.	Arqaam Capital
Symbol			ACIW
MSH ID	BH:COM:AFS	IO:LUNEDATA	COM:ACIWORLDWIDE	COM:ARQAAMCAPITAL
Market	PRIVATE	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services & Finance	Financial Services & Finance	Technology	Financial Services & Finance
Industry	Payment Processing	Fintech	Software - Infrastructure	Investment Banking and Financial Services
Country	BH	AE	US	AE
Stage	A
Employee Count			3.21K
Website	afs.com.bh	lunedata.io	aciworldwide.com	arqaamcapital.com
LinkedIn
Founders

Metric
Market Cap		4.10B
Enterprise Value
Monthly Web Traffic	86.46K
Web Traffic Growth	0.34
Valuation
Raised Capital	50M

Metric
Revenue			1.45B
Revenue (LTM)
Revenue (NTM)
Gross Profit			611.00M
EBITDA			357.00M
Operating Income			223.01M
Net Income			121.51M
EPS			1.12
Diluted EPS			1.12
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			0.49
Operating Profit Margin			0.19
EBITDA Margin			0.25
Net Profit Margin			0.12
Return on Equity			0.15
Return on Assets			0.05
Return on Capital Employed			0.13

COM

BH:COM:AFS

AFS - Arab Financial Services

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			35.31
P/B Ratio			2.60
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			3.63
EV Multiple			10.85

Metric
Days Sales Outstanding			94.78
Days Payables Outstanding			20.87
Days Inventory Outstanding			16.51
Operating Cycle			295.35
Cash Conversion Cycle			272.92
Asset Turnover			0.45

Metric
Operating Cash Flow			168.52M
Free Cash Flow			130.74M
Cash Flow to Debt			0.28
Operating Cash Flow/Sales			0.19
Free Cash Flow Yield			0.03

Metric
Cash & Equivalents			164.24M
Accounts Receivable			-63.00M
Inventory
Goodwill			1.23B
Debt to Capitalization			0.46
Debt to Assets			0.33
Current Ratio			1.30
Quick Ratio			1.33

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue			0.02
R&D to Revenue			0.10
SG&A to Revenue			0.09