Agora Financial Technologies provides banking and card services through a modular banking platform for banks, credit unions, fintech, and brands. The company offers white-label banking solutions that allow for the rapid development of banking products.

Agora Financial Technologies

BrightFi provides banking technology and services to help financial institutions and brands offer digital banking solutions to their customers.

BrightFi

Green Dot Bioplastics is a bioplastic material science company that develops blends and alloys of commercially available bioplastics, as well as patented thermoplastic starch technology, to improve physical properties and compostability rates.

Green Dot Bioplastics

nCino, Inc., a software-as-a-service company, provides cloud-based software applications to financial institutions in the United States and internationally. Its nCino Bank Operating System, a tenant cloud platform, which digitizes, automates, and streamlines complex processes and workflow; and utilizes data analytics and artificial intelligence and machine learning (AI/ML) to enable banks and credit unions to onboard new clients, make loans and manage the entire loan life cycle, open deposit and other accounts, and manage regulatory compliance. The company's nCino IQ, an application suite that utilizes data analytics and AI/ML to provide its customers with automation and insights into their operations, such as tools for analyzing, measuring, and managing credit risk, as well as to enhance their ability to comply with regulatory requirements. It also offers SimpleNexus, a suite of products that enables loan officers, borrowers, real estate agents, settlement agents, and others to engage in the homeownership process from internet-enabled device. The company serves financial institution customers, including global financial institutions, enterprise banks, regional banks, community banks, credit unions, new market entrants, and independent mortgage banks through sales team comprising business development representatives, account executives, field sales engineers, and customer success managers. nCino, Inc. was founded in 2011 and is headquartered in Wilmington, North Carolina.

Metric
Company Name	Agora Financial Technologies	BrightFi	Green Dot Bioplastics	nCino, Inc.
Symbol				NCNO
MSH ID	COM:AGORAFT	COM:BRIGHTFI	COM:GREENDOTBIOPLASTICS	COM:NCINO
Market	PRIVATE	PRIVATE	PRIVATE	STOCKS
Sector	Financial Services & Finance	Financial Services & Finance	Consumer Goods	Technology
Industry	Banking and Financial Services	Financial Technology (Fintech)	Bioplastics and Sustainable Materials	Software - Application
Country	US	US	US	US
Stage
Employee Count				1.65K
Website	agoraft.com	brightfi.com	greendotbioplastics.com	ncino.com
LinkedIn
Founders

Metric
Market Cap		3.52B
Enterprise Value
Monthly Web Traffic	182
Web Traffic Growth	3.79
Valuation
Raised Capital

Metric
Revenue				476.54M
Revenue (LTM)
Revenue (NTM)
Gross Profit				285.07M
EBITDA				-39.51M
Operating Income				-39.51M
Net Income				-42.35M
EPS				-0.38
Diluted EPS				-0.38
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				0.59
Operating Profit Margin				-0.04
EBITDA Margin				-0.08
Net Profit Margin				-0.06
Return on Equity				-0.03
Return on Assets				-0.02
Return on Capital Employed				-0.02

COM:AGORAFT

Agora Financial Technologies

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				-45.34
P/B Ratio				3.36
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio				8.51
EV Multiple				2.26K

Metric
Days Sales Outstanding				50.93
Days Payables Outstanding				25.35
Days Inventory Outstanding				19.66
Operating Cycle				89.85
Cash Conversion Cycle				66.87
Asset Turnover				0.36

Metric
Operating Cash Flow				57.28M
Free Cash Flow				53.41M
Cash Flow to Debt				4.26
Operating Cash Flow/Sales				0.16
Free Cash Flow Yield				0.00

Metric
Cash & Equivalents				112.08M
Accounts Receivable				-14.32M
Inventory				1
Goodwill				838.87M
Debt to Capitalization				0.07
Debt to Assets				0.05
Current Ratio				1.10
Quick Ratio				1.08

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue				0.12
R&D to Revenue				0.27
SG&A to Revenue				0.18