Paybyrd provides customizable payment solutions tailored for enterprises. The platform allows integration with existing systems and offers real-time visibility into transactions.

Paybyrd

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.

The Crop Project is a next-generation ingredient supplier that partners with growers along the Atlantic Coast to transform kelp into useful ingredients for making food, supplement, and skincare products. They focus on providing U.S. Grown Atlantic Kelp, a regenerative crop that captures carbon dioxide, restores ecosystems, and bolsters coastal economies.

The Crop Project

Wipro Limited operates as information technology (IT), consulting, and business process services company worldwide. It operates through three segments: IT Services, IT Products, and India State Run Enterprise Services (ISRE). The IT Services segment offers IT and IT-enabled services, including digital strategy advisory, customer-centric design, technology and IT consulting, custom application design, development, re-engineering and maintenance, systems integration, package implementation, cloud and infrastructure, business process, cloud, mobility and analytics, research and development, and hardware and software design services to enterprises. It serves customers in various industry sectors, such as healthcare and medical devices, consumer goods and life sciences, retail, transportation and services, communications, media and information services, technology products and platforms, banking, financial services and insurance, manufacturing, hi-tech, energy, and utilities. The IT Products segment provides a range of third-party IT products comprising enterprise platforms, networking solutions, software and data storage products, contact center infrastructure, enterprise security, IT optimization technologies, video solutions, and end-user computing solutions. It serves enterprises in various industries primarily in the India market, which comprise the government, defense, IT and IT-enabled services, telecommunications, manufacturing, utilities, education, and financial services sectors. The ISRE segment offers IT services to entities and departments owned or controlled by the Government of India and/or various Indian State Governments. The company was incorporated in 1945 and is based in Bengaluru, India.

Metric
Company Name	Paybyrd	Fiserv, Inc.	The Crop Project	Wipro Limited
Symbol		FI		WIPRO
MSH ID	COM:PAYBYRD	COM:FISERV	COM:THECROPPROJECT	COM:WIPRO
Market	PRIVATE	STOCKS	PRIVATE	STOCKS
Sector	Financial Services & Finance	Technology	Consumer Goods	Technology
Industry	Fintech	Information Technology Services	Food and Ingredient Manufacturing	Information Technology Services
Country	BE	US	US	IN
Stage
Employee Count		42K	5	234K
Website	paybyrd.com	fiserv.com	thecropproject.com	wipro.com
LinkedIn			the-crop-project
Founders

Metric
Market Cap		87.12B	32.94B
Enterprise Value
Monthly Web Traffic	78.31K	432.21K
Web Traffic Growth	1.51	0.04
Valuation
Raised Capital

Metric
Revenue	19.09B	10.60B
Revenue (LTM)
Revenue (NTM)
Gross Profit	11.43B	3.14B
EBITDA	7.78B	1.59B
Operating Income	4.85B	1.60B
Net Income	3.07B	1.30B
EPS	5.02	0.25
Diluted EPS	4.98	0.25
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	0.30
Operating Profit Margin	0.28	0.16
EBITDA Margin	0.41	0.15
Net Profit Margin	0.17	0.13
Return on Equity	0.12	0.16
Return on Assets	0.04	0.10
Return on Capital Employed	0.10	0.16

COM:PAYBYRD

Paybyrd

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	22.30
P/B Ratio	2.98	3.66
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	5.74	3.31
EV Multiple	10.66	17.64

Metric
Days Sales Outstanding	67.17	84.23
Days Payables Outstanding	167.82	46.74
Days Inventory Outstanding	27.92	2.41
Operating Cycle	95.06	86.86
Cash Conversion Cycle	67.30	72.99
Asset Turnover	0.21	0.81

Metric
Operating Cash Flow	5.30B	2.08B
Free Cash Flow	3.91B	1.96B
Cash Flow to Debt	0.23	1.23
Operating Cash Flow/Sales	0.27	0.21
Free Cash Flow Yield	0.04	0.06

Metric
Cash & Equivalents	1.20B	1.14B
Accounts Receivable	23M	169.81M
Inventory		10.71M
Goodwill	37.20B	3.73B
Debt to Capitalization	0.48	0.19
Debt to Assets	0.28	0.15
Current Ratio	1.07	2.43
Quick Ratio	1.06	2.69

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.02	0.00
R&D to Revenue
SG&A to Revenue		0.05