Embedded Finance Review provides insights and analysis on the embedded finance sector, covering product launches and partnerships between financial services and non-financial brands. Self-described analysis includes updates from various players in embedded finance.

Embedded Finance Review

Bond Day Hospital is a state-of-the-art day surgery focused on providing high quality care and a comfortable healing environment. Self-described as a facility that integrates nature and offers a tranquil atmosphere.

Bond Day Hospital

Afterpay Limited, together with its subsidiaries, provides payments solutions to customers, merchants, and businesses. Its Afterpay Asia Pacific segment operates the Afterpay platforms in Australia, New Zealand, and Asia. The company's Afterpay North America segment operates the Afterpay platforms in the United States and Canada. Its Clearpay segment operates the Clearpay platforms in the United Kingdom and Europe. The company's Pay Now segment provides mobility, health, and e-services. The company was formerly known as Afterpay Touch Group Limited and changed its name to Afterpay Limited in November 2019. Afterpay Limited was incorporated in 2017 and is based in Melbourne, Australia. As of January 31, 2022, Afterpay Limited operates as a subsidiary of Lanai (AU) 2 Pty Ltd.

Nick Molnar

Anthony Eisen

Afterpay Limited

Airbnb, Inc., together with its subsidiaries, operates a platform that enables hosts to offer stays and experiences to guests worldwide. The company's marketplace model connects hosts and guests online or through mobile devices to book spaces and experiences. It primarily offers private rooms, primary homes, or vacation homes. The company was formerly known as AirBed & Breakfast, Inc. and changed its name to Airbnb, Inc. in November 2010. Airbnb, Inc. was founded in 2007 and is headquartered in San Francisco, California.

Metric
Company Name	Embedded Finance Review	Bond Day Hospital	Afterpay Limited	Airbnb, Inc.
Symbol			AFTPY	ABNB
MSH ID	COM:EMBEDDEDFINANCEREVIEW	AU:COM:BONDDAYHOSPITAL	COM:AFTERPAY	COM:AIRBNB
Market	PRIVATE	PRIVATE	STOCKS	STOCKS
Sector	Financial Services & Finance	Healthcare & Health Services	Technology	Consumer Cyclical
Industry	Finance	Healthcare	Software - Infrastructure	Travel Services
Country	GB	AU	AU	US
Stage
Employee Count			1.30K	6.91K
Website	embeddedfinancereview.com	bonddayhospital.com.au	afterpay.com	airbnb.com
LinkedIn
Founders

Metric
Market Cap				97.83B
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue				9.92B
Revenue (LTM)
Revenue (NTM)
Gross Profit				7.03B
EBITDA				1.56B
Operating Income				1.52B
Net Income				4.79B
EPS				7.52
Diluted EPS				7.24
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				0.83
Operating Profit Margin				0.17
EBITDA Margin				0.16
Net Profit Margin				0.48
Return on Equity				0.69
Return on Assets				0.23
Return on Capital Employed				0.16

EMBE

COM:EMBEDDEDFINANCEREVIEW

Embedded Finance Review

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				16.96
P/B Ratio				10.15
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio				10.93
EV Multiple				55.16

Metric
Days Sales Outstanding				235.40
Days Payables Outstanding				35.75
Days Inventory Outstanding
Operating Cycle				365.42
Cash Conversion Cycle				341.15
Asset Turnover				0.48

Metric
Operating Cash Flow				3.88B
Free Cash Flow				3.88B
Cash Flow to Debt				2.19
Operating Cash Flow/Sales				0.42
Free Cash Flow Yield				0.05

Metric
Cash & Equivalents				6.90B
Accounts Receivable
Inventory
Goodwill				752M
Debt to Capitalization				0.22
Debt to Assets				0.11
Current Ratio				1.78
Quick Ratio				1.44

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue				0.11
R&D to Revenue				0.18
SG&A to Revenue				0.12