Populus Financial Group offers financial services including deposit accounts and prepaid debit cards, while ensuring compliance with identity verification requirements as mandated by the USA PATRIOT Act.

Populus Financial Group

Capital One Financial Corporation operates as the financial services holding company for the Capital One Bank (USA), National Association; and Capital One, National Association, which provides various financial products and services in the United States, Canada, and the United Kingdom. It operates through three segments: Credit Card, Consumer Banking, and Commercial Banking. The company accepts checking accounts, money market deposits, negotiable order of withdrawals, savings deposits, and time deposits. Its loan products include credit card loans; auto and retail banking loans; and commercial and multifamily real estate, and commercial and industrial loans. The company also offers credit and debit card products; online direct banking services; and treasury management and depository services. It serves consumers, small businesses, and commercial clients through digital channels, branches, cafés, and other distribution channels located in New York, Louisiana, Texas, Maryland, Virginia, New Jersey, and California. Capital One Financial Corporation was founded in 1988 and is headquartered in McLean, Virginia.

Phil Kim

Matt Cooper

Nigel Morris

George Overholser

Richard D. Fairbank

Capital One Financial Corporation

Chime is a financial technology company that provides banking services through partnerships with The Bancorp Bank, N.A. and Stride Bank, N.A.

Ryan King

Chris Britt

Chime

Discover Financial Services, through its subsidiaries, provides digital banking products and services, and payment services in the United States. It operates in two segments, Digital Banking and Payment Services. The Digital Banking segment offers Discover-branded credit cards to individuals; private student loans, personal loans, home loans, and other consumer lending; and direct-to-consumer deposit products comprising savings accounts, certificates of deposit, money market accounts, IRA certificates of deposit, IRA savings accounts and checking accounts, and sweep accounts. The Payment Services segment operates the PULSE, an automated teller machine, debit, and electronic funds transfer network; and Diners Club International, a payments network that issues Diners Club branded charge cards and/or provides card acceptance services, as well as offers payment transaction processing and settlement services. The company was incorporated in 1960 and is based in Riverwoods, Illinois.

Metric
Company Name	Populus Financial Group	Capital One Financial Corporation	Chime	Discover Financial Services
Symbol		COF		DFS
MSH ID	COM:POPULUSFINANCIAL	COM:CAPITALONE	COM:CHIME	COM:DISCOVER
Market	PRIVATE	STOCKS	PRIVATE	STOCKS
Sector	Financial Services & Finance	Financial Services	Financial Services & Finance	Financial Services
Industry	Consumer Finance	Financial - Credit Services	Financial Technology	Financial - Credit Services
Country	US	US	US	US
Stage
Employee Count		51.30K	1.70K	21.10K
Website	populusfinancial.com	capitalone.com	chime.com	discover.com
LinkedIn			chime-card
Founders

Metric
Market Cap		52.17B		32.38B
Enterprise Value
Monthly Web Traffic	472		16.45M
Web Traffic Growth	-0.99		-0.19
Valuation
Raised Capital

Metric
Revenue	49.48B	20.61B
Revenue (LTM)
Revenue (NTM)
Gross Profit	25.77B	20.61B
EBITDA	-4M	168M
Operating Income	-4M	17.11B
Net Income	4.89B	2.94B
EPS	11.98	11.26
Diluted EPS	11.95	11.26
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	1.00	1
Operating Profit Margin	0.27	0.50
EBITDA Margin	-0.00	0.01
Net Profit Margin	0.12	0.17
Return on Equity	0.09	0.21
Return on Assets	0.01	0.02
Return on Capital Employed	0.02	0.07

POPU

COM:POPULUSFINANCIAL

Populus Financial Group

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	9.55	7.44
P/B Ratio	0.96	1.88
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	1.34	1.84
EV Multiple	28.19	31.09

Metric
Days Sales Outstanding	24.81	2.70K
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover	0.10	0.14

Metric
Operating Cash Flow	20.57B	8.56B
Free Cash Flow	19.61B	8.26B
Cash Flow to Debt	0.49	0.51
Operating Cash Flow/Sales	0.51	0.50
Free Cash Flow Yield	0.40	0.28

Metric
Cash & Equivalents	43.30B	11.69B
Accounts Receivable	-359M
Inventory	-45.77B
Goodwill	15.06B	255M
Debt to Capitalization	0.47	0.59
Debt to Assets	0.10	0.14
Current Ratio	178.36
Quick Ratio	3.72	28.78

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01	0.20
R&D to Revenue
SG&A to Revenue	0.26	0.15