BOK Financial Corporation operates as the financial holding company for BOKF, NA that provides various financial products and services in Oklahoma, Texas, New Mexico, Northwest Arkansas, Colorado, Arizona, and Kansas/Missouri. It operates through three segments: Commercial Banking, Consumer Banking, and Wealth Management. The Commercial Banking segment offers lending, treasury, cash management, and customer commodity risk management products for small businesses, middle market, and larger commercial customers, as well as operates TransFund electronic funds transfer network. The Consumer Banking segment provides lending and deposit services to small business customers through consumer branch network; and engages in the mortgage loan origination and servicing activities. The Wealth Management segment offers fiduciary, private bank, insurance, and investment advisory services; and brokerage and trading services primarily related to providing liquidity to the mortgage markets through trading of U.S. government agency mortgage-backed securities and related derivative contracts, as well as underwrites state and municipal securities. The company also provides commercial loans, such as loans for working capital, facilities acquisition or expansion, purchases of equipment, and other needs of commercial customers; and service, healthcare, manufacturing, wholesale/retail, energy, and other sector loans. In addition, it offers commercial real estate loans for the construction of buildings or other enhancements to real estate and property held by borrowers for investment purposes; and residential mortgage and personal loans. Further, the company provides automated teller machine (ATM), call center, and Internet and mobile banking services. As of December 31, 2021, it operated 2,593 TransFund ATM locations. The company was founded in 1910 and is headquartered in Tulsa, Oklahoma.

BOK Financial Corporation

Ramco Systems Limited operates as an enterprise software company in the Americas, Europe, the Asia-Pacific, the Middle East, and Africa. The company offers Ramco Aviation Software, an enterprise-wide maintenance and engineering/maintenance repair and overhaul (MRO) software to address the needs of airlines, heli operators, defense, MROs, and eVTOL, and drones/UAS. It also provides Ramco ERP on Cloud, a suite of products that covers enterprise functions, such as manufacturing; financing, supply chain, human capital, customer relationship, enterprise asset, and project management; process control; analytics; advanced planning and optimization; and connectors. In addition, the company offers Ramco Enterprise Asset Management software allows to maintain, acquire, and manage their assets; Ramco Human Capital Management, a HR and payroll software; and Ramco Logistics Software, a cloud-based software that covers the needs of third-party logistics, freight forwarders, parcel/courier service providers, and network service providers. Further, it provides computer programming, consultancy, hosting, and related services. Ramco Systems Limited was founded in 1992 and is headquartered in Chennai, India.

Ramco Systems Limited

BOK Financial Corporation provides financial services including banking, investment, and wealth management services. Self-described as a corporation that encompasses various financial solutions.

Metric
Company Name	BOK Financial Corporation	Ramco Systems Limited
Symbol	BOKF	RAMCOSYS
MSH ID	COM:BOKF	COM:RAMCO
Market	STOCKS	STOCKS
Sector	Financial Services	Technology
Industry	Banks - Regional	Software - Application
Country	US	IN
Stage		Post-IPO Equity
Employee Count	4.94K	2.14K
Website	investor.bokf.com	ramco.com
LinkedIn
Founders

Metric
Market Cap	5.86B	145.99M
Enterprise Value
Monthly Web Traffic		36.35K
Web Traffic Growth		-0.58
Valuation
Raised Capital		52M

Metric
Revenue	1.97B	62.08M
Revenue (LTM)
Revenue (NTM)
Gross Profit	1.05B	15.18M
EBITDA	1.36B	-16.79M
Operating Income	1.36B	-27.09M
Net Income	530.75M	-28.56M
EPS	8.02	-0.81
Diluted EPS	8.02	-0.81
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	0.75	0.37
Operating Profit Margin	0.68	-0.39
EBITDA Margin	0.69	-0.27
Net Profit Margin	0.27	-0.41
Return on Equity	0.11	-0.55
Return on Assets	0.01
Return on Capital Employed	0.07

COM:BOKF

BOK Financial Corporation

Last Close

115.65

22/11 21:00

Market Cap

5.86B

Beta: -

Volume Today

170.03K

Avg: -

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	8.81	-4.18
P/B Ratio	1.13	3.37
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	3.02	3.08
EV Multiple	1.66	-5.15

Metric
Days Sales Outstanding	49.84
Days Payables Outstanding	111.55	68.00
Days Inventory Outstanding	293.50	0.00
Operating Cycle	340.80	66.49
Cash Conversion Cycle	339.13
Asset Turnover	0.05	0.79

Metric
Operating Cash Flow	66.18M	12.32M
Free Cash Flow	-1.28B	1.85M
Cash Flow to Debt	0.14	8.55
Operating Cash Flow/Sales	0.39	0.22
Free Cash Flow Yield	-0.51	0.03

Metric
Cash & Equivalents	1.35B	3.35M
Accounts Receivable		12.18M
Inventory	-7.96B	0.01
Goodwill	1.04B
Debt to Capitalization	0.63	0.17
Debt to Assets	0.13	0.11
Current Ratio	28.29	0.87
Quick Ratio	24.19	0.75

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01	0.07
R&D to Revenue
SG&A to Revenue	0.38