Fit for Banking focuses on providing distance learning and training resources in banking and finance skills, offering a variety of courses, videos, and personalized tutoring to enhance professional development.

Fit for Banking

Bank of America Corporation, through its subsidiaries, provides banking and financial products and services for individual consumers, small and middle-market businesses, institutional investors, large corporations, and governments worldwide. Its Consumer Banking segment offers traditional and money market savings accounts, certificates of deposit and IRAs, noninterest-and interest-bearing checking accounts, and investment accounts and products; and credit and debit cards, residential mortgages, and home equity loans, as well as direct and indirect loans, such as automotive, recreational vehicle, and consumer personal loans. The company's Global Wealth & Investment Management segment offers investment management, brokerage, banking, and trust and retirement products and services; and wealth management solutions, as well as customized solutions, including specialty asset management services. Its Global Banking segment provides lending products and services, including commercial loans, leases, commitment facilities, trade finance, and commercial real estate and asset-based lending; treasury solutions, such as treasury management, foreign exchange, and short-term investing options and merchant services; working capital management solutions; and debt and equity underwriting and distribution, and merger-related and other advisory services. The company's Global Markets segment offers market-making, financing, securities clearing, settlement, and custody services, as well as risk management products using interest rate, equity, credit, currency and commodity derivatives, foreign exchange, fixed-income, and mortgage-related products. As of December 31, 2021, it served approximately 67 million consumer and small business clients with approximately 4,200 retail financial centers; approximately 16,000 ATMs; and digital banking platforms with approximately 41 million active users. The company was founded in 1784 and is based in Charlotte, North Carolina.

Bank of America Corporation

Panera Bread is an American chain store of bakery-café fast food restaurants with over 2,000 locations in the United States and Canada. It offers bakery items, pasta, salads, sandwiches, soups, and specialty drinks. The company operates as Saint Louis Bread Company in the Greater St. Louis area. Panera Bread is owned by JAB Holding Company, which is owned by the Reimann family of Germany.

Panera Bread

Uber Eats is an online food ordering and delivery platform launched by the company Uber in 2014. It operates in over 6,000 cities across 45 countries, providing food delivery services using various transportation methods such as cars, scooters, bikes, and foot delivery.

Chanyu Xu

Travis Kalanick

Uber Eats

FITFORBANKING | Powered by Present Value Training | 500 followers on LinkedIn. Helping People to learn the technical skills needed in Financial Services - 280 deep-dive Courses and 120 short videos | Present Value, Frankfurt | Toronto | Singapore is a leading eLearning company with a 20-year track record. Our eLearning product is called FITFORBANKING.

FITFORBANKING includes a variety of learning materials to add value: Deep-dive modules provide in-depth training on specific topics which can help learners understand and retain the material better.

Technical Skills For Financial Services

Sara Barker

Founding Partner | Providing technical skills for Financial Services

Heike Duerrenberger

Frontend Developer Specializing in React.js and Next.js | 2+ Years of Experience Crafting Web Applications | Skilled in JavaScript, TypeScript…

Oluwakemi Oluwadahunsi

Quantitative Financial Analyst | Master in Quantitative Finance

Fernando Oktavianes

FITFORBANKING | Powered by Present Value Training

The European Sustainability Reporting Standards (ESRS) are a set of regulations established by the EU to standardize sustainability reporting for companies. They came into effect on January 1, 2024, with reporting expected to commence in 2025 🌟 . A broad range of employees in financial services as well as investors need to be aware of the scope and range of their responsibility ✔ . 📢 Don't miss this brand-new training opportunity that introduces you to the key aspects of the ESRS such as comprehensive information about companies‘ ESG impacts, risks, and opportunities as well as the standardized metrics 📢. Request a free trial today to the learning experience with 280+ in-depth modules and 120+ high-end, presenter-led videos that is fun and immersive. #ESRS #CSRD #Sustainability #FinancialServices #FinanceCourses

Generative AI is a groundbreaking form of artificial intelligence that synthesizes realistic images, audio, text, and other data modalities. This innovative technique holds immense potential to revolutionize various industries. This brand-new module delves into the fundamentals of Generative AI, showcasing its applications in the banking sector while addressing its limitations. Understanding the mechanisms behind Generative AI empowers you to harness the creative potential and to innovation. A module nobody should miss. Request a free trial on www.fitforbanking.com , the learning experience with 280+ in-depth modules and 120+ high-end, presenter-led videos that is fun and immersive. #aifinance #aibanking #financialservices #learnfinance #elearningcourses

What's the best way to fulfil your new year's resolutions? Choose a partner with a comprehensive and innovative approach to learning to actively keep pace with the latest changes in the financial services industry. Driven by AI-powered technology, we adapt the various learning opportunities to meet each learners' needs immediately. Learning is personalised, effective, and efficient. Short videos focus on important information, preventing cognitive overload. The modules go in-depth into the specific topics. After completing a course, we hold your fraud-proof credentials unlike any other. Your badges are stored in our database, instantly verifiable against our database via QR code and undeniably your badge! Request a free trial on www.fitforbanking.com ! #FinancialServices #FinanceCourses #LearnFinance

Metric
Company Name	Fit for Banking	Bank of America Corporation	Panera Bread	Uber Eats
Symbol		BAC
MSH ID	COM:FITFORBANKING	COM:BANKOFAMERICA	COM:PANERABREAD	COM:UBEREATS
Market	PRIVATE	STOCKS	PRIVATE	PRIVATE
Sector	Commercial & Professional Services	Financial Services	Consumer Discretionary	Consumer Services
Industry	Education & Training	Banks - Diversified	Restaurant	Food Delivery
Country	DE	US	US
Stage			Post-IPO Debt
Employee Count		212K	35.60K	101
Website	fitforbanking.com	bankofamerica.com	panerabread.com/en-us	ubereats.com
LinkedIn	fitforbanking	bank-of-america	panera-bread
Founders

Metric
Market Cap	326.42B
Enterprise Value
Monthly Web Traffic		7.34M
Web Traffic Growth		0.07
Valuation
Raised Capital		100M

Metric
Revenue		94.19B
Revenue (LTM)
Revenue (NTM)
Gross Profit		94.19B
EBITDA		30.37B
Operating Income		28.34B
Net Income		26.52B
EPS		3.08
Diluted EPS		3.08
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		0.78
Operating Profit Margin		0.52
EBITDA Margin		0.32
Net Profit Margin		0.28
Return on Equity		0.09
Return on Assets		0.01
Return on Capital Employed		0.03

FITF

COM:FITFORBANKING

Fit for Banking

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		8.67
P/B Ratio		0.92
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio		3.49
EV Multiple		17.84

Metric
Days Sales Outstanding		318.28
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover		0.04

Metric
Operating Cash Flow		44.98B
Free Cash Flow		44.98B
Cash Flow to Debt		0.13
Operating Cash Flow/Sales		0.48
Free Cash Flow Yield		0.17

Metric
Cash & Equivalents		341.42B
Accounts Receivable
Inventory		-68.81B
Goodwill		69.02B
Debt to Capitalization		0.71
Debt to Assets		0.10
Current Ratio		15.26
Quick Ratio		1.41

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue		0.03
R&D to Revenue
SG&A to Revenue		0.42