Lloyds Digital builds custom software, mobile apps, and eCommerce solutions with a focus on business process automation and user experience.

Lloyds Digital

Concirrus provides AI-powered solutions for processing submissions, pricing, and risk assessment primarily for the insurance industry, self-described as offering advanced solutions for Brokers, Underwriters, and Loss Prevention teams.

Concirrus

Adobe Inc. operates as a diversified software company worldwide. It operates through three segments: Digital Media, Digital Experience, and Publishing and Advertising. The Digital Media segment offers products, services, and solutions that enable individuals, teams, and enterprises to create, publish, and promote content; and Document Cloud, a unified cloud-based document services platform. Its flagship product is Creative Cloud, a subscription service that allows members to access its creative products. This segment serves content creators, workers, marketers, educators, enthusiasts, communicators, and consumers. The Digital Experience segment provides an integrated platform and set of applications and services that enable brands and businesses to create, manage, execute, measure, monetize, and optimize customer experiences from analytics to commerce. This segment serves marketers, advertisers, agencies, publishers, merchandisers, merchants, web analysts, data scientists, developers, and executives across the C-suite. The Publishing and Advertising segment offers products and services, such as e-learning solutions, technical document publishing, web conferencing, document and forms platform, web application development, and high-end printing, as well as Advertising Cloud offerings. The company offers its products and services directly to enterprise customers through its sales force and local field offices, as well as to end users through app stores and through its website at adobe.com. It also distributes products and services through a network of distributors, value-added resellers, systems integrators, software vendors and developers, retailers, and original equipment manufacturers. The company was formerly known as Adobe Systems Incorporated and changed its name to Adobe Inc. in October 2018. Adobe Inc. was founded in 1982 and is headquartered in San Jose, California.

Charles Geschke

Adobe Inc.

BigCommerce Holdings, Inc. operates a software-as-a-service platform for small businesses, mid-markets, and large enterprises in the United States, Europe, the Middle East, Africa, the Asia-Pacific, and internationally. The company's platform provides various services for launching and scaling e-commerce operation, including store design, catalog management, hosting, checkout, order management, reporting, and pre-integrations. As of December 31, 2021, it served approximately 60,000 online stores across industries. BigCommerce Holdings, Inc. was founded in 2009 and is headquartered in Austin, Texas.

Metric
Company Name	Lloyds Digital	Concirrus	Adobe Inc.	BigCommerce Holdings, Inc.
Symbol			ADBE	BIGC
MSH ID	COM:LLOYDS-DIGITAL	AI:CONCIRRUS	COM:ADOBE	COM:BIGCOMMERCE
Market	PRIVATE	PRIVATE	STOCKS	STOCKS
Sector	Technology	Financial Services & Finance	Technology	Technology
Industry	Software Development	Insurance	Software - Infrastructure	Software - Application
Country	HR	GB	US	US
Stage
Employee Count			29.95K	1.32K
Website	lloyds-digital.com	concirrus.ai	adobe.com	bigcommerce.com
LinkedIn			adobe
Founders

Metric
Market Cap	250.32B	565.65M
Enterprise Value
Monthly Web Traffic	402.45M
Web Traffic Growth	-0.08
Valuation
Raised Capital

Metric
Revenue	19.41B	309.39M
Revenue (LTM)
Revenue (NTM)
Gross Profit	17.05B	223.26M
EBITDA	7.77B	-43.28M
Operating Income	6.65B	-55.76M
Net Income	5.43B	-64.67M
EPS	11.93	-0.86
Diluted EPS	11.83	-0.86
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	0.88	0.76
Operating Profit Margin	0.36	-0.14
EBITDA Margin	0.40	-0.14
Net Profit Margin	0.28	-0.13
Return on Equity	0.35	-1.67
Return on Assets	0.18	-0.09
Return on Capital Employed	0.37	-0.12

LLOY

COM:LLOYDS-DIGITAL

Lloyds Digital

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	52.76	-6.39
P/B Ratio	17.34	30.36
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	12.55	2.05
EV Multiple	31.12	-3.98

Metric
Days Sales Outstanding	41.82	63.51
Days Payables Outstanding	48.69	31.01
Days Inventory Outstanding		0.00
Operating Cycle	41.82	50.70
Cash Conversion Cycle	12.11	20.63
Asset Turnover	0.70	0.72

Metric
Operating Cash Flow	7.30B	-24.24M
Free Cash Flow	6.94B	-28.42M
Cash Flow to Debt	14.93	-0.02
Operating Cash Flow/Sales	0.38	-0.02
Free Cash Flow Yield	0.02	-0.07

Metric
Cash & Equivalents	7.14B	72.84M
Accounts Receivable	-159M	-3.88M
Inventory
Goodwill	12.80B	52.09M
Debt to Capitalization	0.29	0.93
Debt to Assets	0.14	0.80
Current Ratio	1.34	5.09
Quick Ratio	1.22	4.93

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.09	0.15
R&D to Revenue	0.18	0.29
SG&A to Revenue	0.07	0.22