Coya provides digital insurance solutions, allowing users to take out, adjust, and report claims on their insurance seamlessly through an app. self-described as flexible and affordable.

Coya

Erie Indemnity Company operates as a managing attorney-in-fact for the subscribers at the Erie Insurance Exchange in the United States. The company provides sales, underwriting, policy issuance, and renewal services for the policyholders on behalf of the Erie Insurance Exchange. It also offers sales related services, including agent compensation, and sales and advertising support services; and underwriting services comprise underwriting and policy processing; and other services consist of customer services and administrative support services, as well as information technology services. Erie Indemnity Company was incorporated in 1925 and is based in Erie, Pennsylvania.

H.O. Hirt

O.G. Crawford

Erie Indemnity Company

FINEOS Corporation Holdings plc engages in the development and sale of enterprise claims and policy management software for the life, accident, and health insurance industry worldwide. The company offers FINEOS Platform, a software-as-a-service core insurance platform. Its FINEOS Platform comprises FINEOS AdminSuite, a comprehensive core insurance suite; FINEOS Engage, makes connection across customers and partners to create frictionless engagement and agile business relationships; and FINEOS Insight that offers real-time analytics to influence business decisions and drive better outcomes. It also offers professional and customer support services, as well as employee benefit and insurance underwriting solutions. The company was founded in 1993 and is headquartered in Dublin, Ireland.

FINEOS Corporation Holdings plc

Guidewire Software, Inc. provides software products for property and casualty insurers worldwide. The company offers Guidewire InsuranceSuite comprising Guidewire PolicyCenter, BillingCenter, and ClaimCenter applications. It also provides Guidewire InsuranceNow, a cloud-based platform that offers policy, billing, and claims management functionality to insurers; and Guidewire InsuranceSuite for Self-Managed. In addition, the company offers Guidewire Rating Management to manage the pricing of insurance products; Guidewire Reinsurance Management to use rules-based logic to execute reinsurance strategy through underwriting and claims processes; Guidewire Client Data Management to capitalize on customer information; and Guidewire Product Content Management that offers software tools and standards-based line-of-business templates to introduce and modify products. Further, it provides Guidewire Underwriting Management, a cloud-based integrated business application; Guidewire AppReader, a submission intake management solution; Guidewire ClaimCenter Package for the London market supports the claims workflow used by London Market insurers and brokers; Guidewire Digital Engagement Applications, which enable insurers to provide digital experiences to customers, agents, vendors, and field personnel through their device of choice; and Guidewire for Salesforce to provide customer information regarding policies and claims. Additionally, the company offers Guidewire Predictive Analytics, a set of cloud-native applications; Guidewire Risk Insights that allows insurers to assess new and evolving risks; Guidewire Business Intelligence that allows insurers to measure business performance; Guidewire DataHub, an operational data store; and Guidewire InfoCenter, a business intelligence warehouse, as well as implementation and integration, and professional services. The company was founded in 2001 and is headquartered in San Mateo, California.

Metric
Company Name	Coya	Erie Indemnity Company	FINEOS Corporation Holdings plc	Guidewire Software, Inc.
Symbol		ERIE	FCL	GWRE
MSH ID	COM:COYA	COM:ERIEINSURANCE	COM:FINEOS	COM:GUIDEWIRE
Market	PRIVATE	STOCKS	STOCKS	STOCKS
Sector	Financial Services & Finance	Financial Services	Technology	Technology
Industry	Insurance	Insurance - Brokers	Software - Application	Software - Application
Country	DE	US	IE	US
Stage
Employee Count		6.48K	879	3.40K
Website	coya.com	erieinsurance.com	fineos.com	guidewire.com
LinkedIn				guidewire-software
Founders

Metric
Market Cap	16.53B	384.79M	11.40B
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue	3.26B	129.11M	980.50M
Revenue (LTM)
Revenue (NTM)
Gross Profit	511.22M	92.36M	583.36M
EBITDA	568.01M	-13.57M	-30.26M
Operating Income	514.42M	-16.59M	-52.57M
Net Income	446.06M	-14.56M	-6.10M
EPS	9.58	-0.04	-0.07
Diluted EPS	8.47	-0.04	-0.07
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	0.17	0.71	0.59
Operating Profit Margin	0.17	-0.14	-0.05
EBITDA Margin	0.17	-0.11	-0.03
Net Profit Margin	0.15	-0.11	-0.01
Return on Equity	0.31	-0.07	-0.00
Return on Assets	0.20	-0.05	-0.00
Return on Capital Employed	0.32	-0.08	-0.04

COM:COYA

Coya

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	39.67	-10.87	-131.48
P/B Ratio	9.86	2.50	7.59
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	7.07	3.30	16.21
EV Multiple	54.17	-19.07	-148.54

Metric
Days Sales Outstanding	71.71	39.01	80.49
Days Payables Outstanding		21.24	16.73
Days Inventory Outstanding		0.00	0.00
Operating Cycle	73.96	48.83	87.50
Cash Conversion Cycle	73.96	-4.47	69.55
Asset Turnover	1.33	0.64	0.47

Metric
Operating Cash Flow	381.20M	-15.74M	203.14M
Free Cash Flow	288.56M	-15.99M	184.61M
Cash Flow to Debt		1.86	0.47
Operating Cash Flow/Sales	0.12	0.06	0.21
Free Cash Flow Yield	0.00	0.05	0.00

Metric
Cash & Equivalents	144.06M	29.72M	547.99M
Accounts Receivable	-101.56M	18.55M	20.31M
Inventory		5.56M
Goodwill		33.41M	372.21M
Debt to Capitalization		0.02	0.40
Debt to Assets	-0.10	0.02	0.25
Current Ratio	1.28	1.11	3.72
Quick Ratio	4.90	1.75	3.25

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	-0.00	0.02	0.16
R&D to Revenue		0.34	0.28
SG&A to Revenue	0.02	0.15	0.23