Future FinTech Group Inc. is a financial service and financial technology company that provides online shopping platforms, supply chain financing services, and blockchain-based technology applications.

Future FinTech Group Inc.

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

Fiserv, Inc., together with its subsidiaries, provides payment and financial services technology worldwide. The company operates through Acceptance, Fintech, and Payments segments. The Acceptance segment provides point-of-sale merchant acquiring and digital commerce services; mobile payment services; security and fraud protection products; Carat, an omnichannel commerce solution; Clover, a cloud-based point-of-sale and business management platform; and Clover Connect, an independent software vendors platform. This segment distributes through various channels, including direct sales teams, strategic partnerships with agent sales forces, independent software vendors, financial institutions, and other strategic partners. The Fintech segment offers customer deposit and loan accounts, as well as manages an institution's general ledger and central information files. This segment also provides digital banking, financial and risk management, professional services and consulting, item processing and source capture, and other products and services. The Payments segment offers card transactions, such as debit, credit, and prepaid card processing and services; security and fraud protection products; card production; print services; and various network services, as well as non-card digital payment software and services, including bill payment, account-to-account transfers, person-to-person payments, electronic billing, and security and fraud protection products. It serves business, banks, credit unions, other financial institutions, merchants, and corporate clients. Fiserv, Inc. was incorporated in 1984 and is headquartered in Brookfield, Wisconsin.

Curry Pelot

Dale Jensen

Steve Cotton

Fiserv, Inc.

Funding Circle Holdings plc, together with its subsidiaries, provides online lending platforms in the United Kingdom, the United States, and internationally. The company offers small business loans, recovery loan schemes, and business finance solutions to small and medium enterprises. It also provides flexipay and flexipay card solutions. The company acts as a special purpose bankruptcy remote entity that issues loan payment dependent debt securities to accredited investors. Funding Circle Holdings plc was incorporated in 2010 and is based in London, the United Kingdom.

Metric
Company Name	Future FinTech Group Inc.	Afterpay Limited	Fiserv, Inc.	Funding Circle Holdings plc
Symbol		AFTPY	FI	FCH
MSH ID	COM:FTFT	COM:AFTERPAY	COM:FISERV	COM:FUNDINGCIRCLE
Market	PRIVATE	STOCKS	STOCKS	STOCKS
Sector	Financial Services & Finance	Technology	Technology	Financial Services
Industry	Financial Technology	Software - Infrastructure	Information Technology Services	Financial - Credit Services
Country	US	AU	US	GB
Stage
Employee Count		1.30K	42K	1.10K
Website	ftft.com	afterpay.com	fiserv.com	fundingcircle.com
LinkedIn				funding-circle-usa
Founders

Metric
Market Cap	87.12B	4.12M
Enterprise Value
Monthly Web Traffic	432.21K	195.63K
Web Traffic Growth	0.04	-0.29
Valuation
Raised Capital		323.50M

Metric
Revenue	19.09B	207.70M
Revenue (LTM)
Revenue (NTM)
Gross Profit	11.43B	182.21M
EBITDA	7.78B	-7.52M
Operating Income	4.85B	-28.80M
Net Income	3.07B	-48.80M
EPS	5.02	-0.14
Diluted EPS	4.98	-0.14
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	0.67	0.81
Operating Profit Margin	0.28	-0.01
EBITDA Margin	0.41	-0.04
Net Profit Margin	0.17	2.69
Return on Equity	0.12	2.60
Return on Assets	0.04	1.78
Return on Capital Employed	0.10	-0.01

COM:FTFT

Future FinTech Group Inc.

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	29.54	-14.91
P/B Ratio	2.98	0.36
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	5.74	2.17
EV Multiple	10.66	-19.25

Metric
Days Sales Outstanding	67.17
Days Payables Outstanding	167.82	194.15
Days Inventory Outstanding	27.92
Operating Cycle	95.06	21.81
Cash Conversion Cycle	67.30	21.81
Asset Turnover	0.21	0.82

Metric
Operating Cash Flow	5.30B	-32.49M
Free Cash Flow	3.91B	-48.04M
Cash Flow to Debt	0.23	-0.60
Operating Cash Flow/Sales	0.27	-0.15
Free Cash Flow Yield	0.04	-0.23

Metric
Cash & Equivalents	1.20B	282.11M
Accounts Receivable	23M	-17.20M
Inventory
Goodwill	37.20B
Debt to Capitalization	0.48	0.24
Debt to Assets	0.28	0.17
Current Ratio	1.07	4.38
Quick Ratio	1.06	4.83

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.02	0.03
R&D to Revenue
SG&A to Revenue