Comviva provides mobility solutions, including digital payments, digital banking, and communication platforms, designed for various industries, such as banking and telecom.

Comviva

Crédit Agricole Personal Finance & Mobility is a consumer finance and mobility provider, self-described as working every day in the interest of its customers, business partners, and society.

Crédit Agricole Personal Finance & Mobility

Thales S.A. provides various solutions for civilian and military customers in the aeronautics, space, defense, security, ground transportation, and digital security markets worldwide. It operates through Aerospace, Transport, Defence & Security, and Digital Identity & Security segments. The company offers communications, command, and control systems; mission services and support; protection and mission/combat systems; surveillance, detection, and intelligence systems; training and simulation solutions for air, land, naval, and joint forces; and digital identity and security solutions. It also provides air traffic management solutions; flight decks and avionics equipment and functions; in-flight entertainment and connectivity systems and services; electrical systems; aerospace training solutions; navigation solutions; support and services for avionics equipment; and vision systems. In addition, the company designs, operates, and delivers satellite-based systems for telecommunications, navigation, earth observation, environmental management, exploration, and science and orbital infrastructures; signaling, communications and supervision, and fare collection management systems and related services; cybersecurity and railway digitalization systems; and main line rail, and urban and intermodal mobility solutions. Further, it provides solutions for various markets and applications, including radiology, radio frequency, microwave sources, training and simulation solutions, lasers, and microelectronics solutions for science, industry, space, defense, automotive, railways, and energy conversion platforms. Thales S.A. has a strategic agreement with Google LLC. The company was formerly known as Thomson-CSF and changed its name to Thales S.A. in 2000. Thales S.A. was founded in 1893 and is headquartered in Courbevoie, France.

Metric
Company Name	Comviva	Crédit Agricole Personal Finance & Mobility	Thales S.A.
Symbol			HO
MSH ID	COM:COMVIVA	COM:CA-PERSONALFINANCEMOBILITY	COM:THALESGROUP
Market	PRIVATE	PRIVATE	STOCKS
Sector	Technology	Financial Services & Finance	Industrials
Industry	Information Technology	Consumer Finance	Aerospace & Defense
Country	IN	FR	FR
Stage
Employee Count			76.30K
Website	comviva.com	ca-personalfinancemobility.com/en	thalesgroup.com/en
LinkedIn		credit-agricole-personal-finance-mobility	thales
Founders

Metric
Market Cap		33.45B
Enterprise Value
Monthly Web Traffic	106	1.12M
Web Traffic Growth		-0.10
Valuation
Raised Capital

Metric
Revenue			19.46B
Revenue (LTM)
Revenue (NTM)
Gross Profit			5.03B
EBITDA			2.00B
Operating Income			1.75B
Net Income			1.08B
EPS			5.19
Diluted EPS			5.18
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			0.26
Operating Profit Margin			0.09
EBITDA Margin			0.10
Net Profit Margin			0.07
Return on Equity			0.29
Return on Assets			0.05
Return on Capital Employed			0.17

COMV

COM:COMVIVA

Comviva

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			48.64
P/B Ratio			4.02
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			1.75
EV Multiple			12.24

Metric
Days Sales Outstanding
Days Payables Outstanding			374.62
Days Inventory Outstanding			151.77
Operating Cycle			342.33
Cash Conversion Cycle			144.19
Asset Turnover			0.73

Metric
Operating Cash Flow			1.69B
Free Cash Flow			1.12B
Cash Flow to Debt			0.85
Operating Cash Flow/Sales			0.14
Free Cash Flow Yield

Metric
Cash & Equivalents			4.20B
Accounts Receivable			-1.02B
Inventory			4.22B
Goodwill			9.44B
Debt to Capitalization			0.54
Debt to Assets
Current Ratio			1.01
Quick Ratio			0.67

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue
R&D to Revenue			0.06
SG&A to Revenue			0.03