Emerald Creek Capital provides short-term loans secured by real estate nationwide. Self-described as an alternative to conventional financing.

Emerald Creek Capital

LightStream offers fixed rate, simple interest fully amortizing installment loans without fees or prepayment penalties. They serve customers with good-to-excellent credit profiles.

LightStream

The PNC Financial Services Group, Inc. operates as a diversified financial services company in the United States. The company's Retail Banking segment offers checking, savings, and money market accounts, as well as certificates of deposit; residential mortgages, home equity loans and lines of credit, auto loans, credit cards, education loans, and personal and small business loans and lines of credit; and brokerage, insurance, and investment and cash management services. This segment serves consumer and small business customers through a network of branches, ATMs, call centers, and online and mobile banking channels. Its Corporate & Institutional Banking segment provides secured and unsecured loans, letters of credit, and equipment leases; cash and investment management services, receivables and disbursement management services, funds transfer services, international payment services, and access to online/mobile information management and reporting; foreign exchange, derivatives, fixed income, securities underwriting, loan syndications, and mergers and acquisitions and equity capital markets advisory related services; and commercial loan servicing and technology solutions. It serves mid-sized and large corporations, and government and not-for-profit entities. The company's Asset Management Group segment offers investment and retirement planning, customized investment management, credit and cash management solutions, and trust management and administration services for high net worth and ultra high net worth individuals, and their families; and multi-generational family planning services for ultra high net worth individuals and their families. It also provides outsourced chief investment officer, custody, private real estate, cash and fixed income client solutions, and fiduciary retirement advisory services for institutional clients. The company has 2,591 branches and 9,502 ATMs. The company was founded in 1852 and is headquartered in Pittsburgh, Pennsylvania.

The PNC Financial Services Group, Inc.

Sofigate is involved in business technology transformation and utilizes generative AI to enhance business capabilities. They provide services to build business automation on enterprise SaaS platforms.

Metric
Company Name	Emerald Creek Capital	LightStream	The PNC Financial Services Group, Inc.	Sofigate
Symbol			PNC
MSH ID	COM:EMERALDCREEKCAPITAL	COM:LIGHTSTREAM	COM:PNC	COM:SOFIGATE
Market	PRIVATE	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services & Finance	Financial Services & Finance	Financial Services	Commercial & Professional Services
Industry	Real Estate Financing	Consumer Services	Banks - Regional	Information Technology
Country	US	US	US	FI
Stage
Employee Count			54.44K
Website	emeraldcreekcapital.com	lightstream.com	pnc.com	sofigate.com
LinkedIn
Founders

Metric
Market Cap		65.38B
Enterprise Value
Monthly Web Traffic	647.39K
Web Traffic Growth	-0.10
Valuation
Raised Capital

Metric
Revenue			21.51B
Revenue (LTM)
Revenue (NTM)
Gross Profit			19.12B
EBITDA			18.75B
Operating Income			18.75B
Net Income			5.58B
EPS			12.80
Diluted EPS			12.79
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			0.93
Operating Profit Margin			0.87
EBITDA Margin			0.87
Net Profit Margin			0.26
Return on Equity			0.11
Return on Assets			552.95
Return on Capital Employed			135

COM:EMERALDCREEKCAPITAL

Emerald Creek Capital

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			9.34
P/B Ratio			1.18
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio			2.89
EV Multiple			9.20

Metric
Days Sales Outstanding			106.35
Days Payables Outstanding
Days Inventory Outstanding			4.97K
Operating Cycle			5.06K
Cash Conversion Cycle			5.06K
Asset Turnover			3.10K

Metric
Operating Cash Flow			10.11B
Free Cash Flow			10.11B
Cash Flow to Debt			0.13
Operating Cash Flow/Sales			0.47
Free Cash Flow Yield			0.20

Metric
Cash & Equivalents			50.73B
Accounts Receivable
Inventory			-57.19B
Goodwill			10.93B
Debt to Capitalization			0.66
Debt to Assets			0.12
Current Ratio
Quick Ratio			0.67

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue			0.01
R&D to Revenue
SG&A to Revenue			0.34