Spare provides account information and payment initiation APIs to help businesses build financial products. The company is self-described as empowering innovative businesses through open banking.

Spare

Spire Inc., together with its subsidiaries, engages in the purchase, retail distribution, and sale of natural gas to residential, commercial, industrial, and other end-users of natural gas in the United States. The company operates in two segments, Gas Utility and Gas Marketing. It is also involved in the marketing of natural gas. In addition, the company engages in the transportation of propane through its propane pipeline; compression of natural gas; risk management; and other activities. Further, it provides physical natural gas storage services. The company was formerly known as The Laclede Group, Inc. and changed its name to Spire Inc. in April 2016. Spire Inc. was founded in 1857 and is based in St. Louis, Missouri.

Spire Inc.

Stripe, Inc.

Atto provides financial data analysis services to help lenders gain a deeper understanding of their customers' financial profiles.

Atto

Spare provides Account information and Payment initiation APIs to empower businesses through Open Banking. self-described as industry leading technology & security.

Spare | 4,141 followers on LinkedIn. Empowering innovative businesses to build powerful products. Universal APIs to access financial data and make payments | Spare is an open banking fintech company. We provide a seamless, secure, platform that allows businesses to access their customers&#39; financial data,  enabling them to build innovative financial products.  Spare&#39;s platform connects with all banks in the region and offers a single connection to businesses, simplifying the access to data.

Finance Controller at Maid for You Sarl

Richard Kassab

Engineering Manager at Spare || Ex-Microsoft || Co-Founder FunCorp.In || UIUC 2014 || We are hiring

Shubham Agarwal

Software Development Engineer II at Mesh (YC S20)

Gaurav Suman

Sr. Devops Engineer at Spare

hatem ben tayeb

Bright Data/Business Wire reported in 2023 that only 10% of global cross-company founders listed on Crunchbase are #women . This stark statistic is exactly why we need International Women Entrepreneurs Day, a movement to empower more women to create their own companies. Today, we want you to know some of the brilliant #entrepreneurs we’ve recently worked with—top-talented, courageous, and passionate founders: ✨ Cole Nussbaumer Knaflic – storytelling with data ✨ Dalal AlRayes – Spare ✨ Genevieve Bellaire – Realworld ✨ Lara Manteca Gomez – Ki Labs ✨ Gabrielle Bernstein ✨ Anjali Singh Chowhan – 3 Lions Logistics, Inc. Yes, that’s what we will call them: #founders . This way, we focus on their work and the impact they’re making; we honor what truly matters—no labels, just #leadership and #innovation . #InternationalWomenEntrepreneursDay #WomenEmpowerment #WomenInBusiness #WomenLeaders #BreakingLabels #StartupLeaders

فخورون بمشاركتنا في: القمة العالمية للتقنية العقارية The Global PropTech Summit في فندق Mövenpick Hotel & Residences Riyadh حيث قمنا بتدشين تطبيق مداك للإستثمار الجماعي في الكيانات العقارية المدرة للدخل بحضور معالي وزير الشؤون البلدية والقروية والإسكان الأستاذ ماجد بن عبدالله الحقيل، Majed Al Hogail والرئيس التنفيذي للهيئة العامة للعقار المهندس عبدالله بن سعود الحماد. Abdullah Alhammad أطلقنا أول فرصة استثمارية وحققنا تغطية بنسبة 13% في اليوم الأول! كما عقدنا شراكات استراتيجية مع: AYEN | عاين و Spare وحرصاً منا على خدمة المجتمع، خصصنا نسبة من الأرباح عن كل فرصة عقارية يتم إغلاقها لصالح جمعية كبار السن الأهلية نتطلع إلى مستقبل واعد ونفخر بمساهمتنا في تطوير قطاع الاستثمار العقاري وخلق قيمة مستدامة للمجتمع!

MDAK APP - تطبيق مداك

I’ve always admired Spare and its innovative team for their work in becoming a leading Open Finance provider in the Middle East. Today, I’m thrilled to announce our partnership 🚀 .

Hamza Al-Ghatam

We’re excited to announce our partnership with Spare , bringing financial automation and intelligence to businesses in Saudi Arabia! By working together, we're making it easier for businesses to access secure, real-time financial data, helping them streamline their operations and make smarter decisions. This collaboration with Spare is a step forward in empowering businesses in Saudi to thrive with better financial insights. Stay tuned for more updates!🤝 #BusinessGrowth #FinTech #SaudiArabia #MetricXSpare

Metric

كل عام والمملكة العربية السعودية بخير معاً نحلم ونحقق، نتخطى الحدود ونصل إلى آفاق جديدة. Happy Saudi National Day Together, we dream and achieve, breaking boundaries and reaching new heights

وقعت نجم ممثلة بالرئيس التنفيذي الاستاذ MOHAMMAD YAHYA ALSHEHRI مذكرة تفاهم مع شركة Spare لنطلق العنان لعملاءنا ونمكنهم من الحصول على خدمات مالية متكاملة قائمة على التقنية الرقمية المتطورة والتي يتم دمجها بسهولة في حياتهم اليومية، وفي الوقت نفسه تحفز على التقدم الاقتصادي.

Najm Company for Insurance Services

As the curtains close on 24 Fintech , we are left with a sense of awe and inspiration. What an incredible week it has been in Riyadh! 🇸🇦 Get a glimpse of the energy and enthusiasm that filled the Spare booth. From showcasing our latest open banking solutions to signing exciting new partnerships, we were thrilled to be part of such a vibrant fintech event. A major highlight was SAMA's announcement of the game-changing Open Banking Framework for Payments! This is a huge step forward for the Saudi fintech landscape, and we're excited to be part of this transformation. Thank you to everyone who made 24 Fintech such a success! We're already counting down to next year. #24Fintech #OpenBanking #SaudiFintech #Innovation #Collaboration

📝 At the 24 Fintech event this week, I had the pleasure of meeting with over two hundred startups (‼️) from Saudi Arabia 🇸🇦 and around the world. While I can’t name them all, 3️⃣ companies that really stood out as ones to watch are: Spare (open banking), Lightbox Wealth (wealth management), and Holo (prop-tech). These are just a glimpse of the incredible talent on display, and I’m already excited to see how these and other global and local investors and fintech startups progress in the coming year. Truly exciting times ahead for the ecosystem! Spare Spare is reshaping the finance landscape by securely connecting businesses with their customers' financial data through open banking. Their platform empowers partners to create innovative, customer-centric solutions that drive financial well-being. They are pioneers in transforming banking operations with agility, transparency, and trust. Lightbox Wealth Lightbox is led by Phil Watson, a seasoned wealth expert and investment advisor to the family office community. Focused on delivering smarter and safer investment advice, they are reimagining wealth management for high-net-worth families. A truly innovative approach in the wealth space. Holo Holo is digitizing the home buying process, making it more transparent and efficient from finance onboarding to property acquisition. Their goal is to offer consumers 24/7 access to information, enabling instant decisions in homeownership. They also provide tools to help real estate agencies and developers enhance customer journeys through digitization. 🙋♂️ What fintech firms stood out for you❓ #fintech #proptech #wealthtech #oloughlinio #24fintech #openbanking #SaudiArabia #vision2030 #spotlight #onestowatch #Startup

Michael O'Loughlin ☘️

Open Banking Payments are here: A Game Changer for Businesses in Saudi Arabia The Saudi Arabian Monetary Authority (SAMA), this week, announced the Open Banking Payments (PIS) framework, and it's set to revolutionize the way payments are handled in KSA. Open Banking Payments are: - Faster ⚡ : Near real-time processing using the Sarie network - Cost-effective 💰 : Significant reduction in transaction costs vs. traditional methods - More Secure 🔐 : Bank-grade security and strong customer authentication - Versatile 🌟 : Enables a wide range of use cases, from e-commerce payments and wallet top-ups to subscription payments and loan repayments. At Spare, we are thrilled about the opportunities that Payment Initiation Service(PIS) offers for the businesses in KSA. Interested in learning more and planning your Open Banking journey? The Spare team is here to help! Contact us today at hello@tryspare.com . #OpenBanking #Payments #SaudiArabia #Fintech #Innovation

📢 We're thrilled to announce a strategic partnership between Najm Company for Insurance Services and Spare . ✨ Together, we are set to transform the insurance landscape in KSA through seamless onboarding and unwavering commitment to data security. Get ready for a faster, more convenient, and secure insurance experience. 🚀 يسرنا أن نعلن عن شراكة استراتيجية بين "نجم" و"سبير" معًا، نحن على استعداد لإحداث تحول في مشهد التأمين في المملكة العربية السعودية من خلال انضمام سلس والتزام راسخ بأمن البيانات. استعد لتجربة تأمين أسرع وأكثر ملاءمة وأمانًا. #OpenBanking #KSA #InsuranceInnovation

Metric
Company Name	Spare	Spire Inc.	Stripe, Inc.	Atto
Symbol		SR
MSH ID	COM:TRYSPARE	COM:SPIREENERGY	COM:STRIPE	ID:DIRECT
Market	PRIVATE	STOCKS	PRIVATE	PRIVATE
Sector	Financial Services & Finance	Utilities		Financial Services & Finance
Industry	FinTech	Regulated Gas	Software Development	Financial Technology
Country	BH	US	US	US
Stage	Seed
Employee Count		3.59K
Website	tryspare.com	spireenergy.com	stripe.com	direct.id
LinkedIn	tryspare
Founders

Metric
Market Cap		3.45B
Enterprise Value
Monthly Web Traffic	916
Web Traffic Growth	0.47
Valuation
Raised Capital	3M

Metric
Revenue		2.59B
Revenue (LTM)
Revenue (NTM)
Gross Profit		2.09B
EBITDA		789.10M
Operating Income		488.30M
Net Income		250.90M
EPS		4.47
Diluted EPS		4.46
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		0.42
Operating Profit Margin		0.18
EBITDA Margin		0.30
Net Profit Margin		0.09
Return on Equity		0.08
Return on Assets		0.02
Return on Capital Employed		0.05

TRYS

COM:TRYSPARE

Spare

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		14.70
P/B Ratio		1.02
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio		1.50
EV Multiple		3.63

Metric
Days Sales Outstanding
Days Payables Outstanding		78.98
Days Inventory Outstanding		58.53
Operating Cycle		137.72
Cash Conversion Cycle		77.45
Asset Turnover		0.25

Metric
Operating Cash Flow		440.20M
Free Cash Flow		-222.30M
Cash Flow to Debt		0.76
Operating Cash Flow/Sales		0.33
Free Cash Flow Yield		-0.02

Metric
Cash & Equivalents		4.50M
Accounts Receivable		334.20M
Inventory		263.90M
Goodwill		1.17B
Debt to Capitalization		0.61
Debt to Assets		1.98
Current Ratio
Quick Ratio		0.48

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