xpate provides financial solutions for online businesses, including payment processing and business accounts. Self-described as an efficient platform for managing payments and cash flow.

xpate

Peppermint Innovation Limited engages in the development and commercialization of mobile banking, payment, and remittance platform primarily in the Philippines. It operates Peppermint Platform, a white label mobile app banking platform and mobile app micro enterprise platform that offers payments, remittance, delivery and logistics, ecommerce, and financial services. The company was incorporated in 2007 and is headquartered in Perth, Australia.

Peppermint Innovation Limited

Ingenico is a French merchant services technology company that facilitates secure electronic transactions. It has expanded from manufacturing point of sale (POS) payment terminals to include complete merchant payment SaaS and related services.

Metric
Company Name	xpate	Peppermint Innovation Limited	Ingenico
Symbol		PIL
MSH ID	COM:XPATE	AU:COM:PEPLTD	COM:INGENICO
Market	PRIVATE	STOCKS	PRIVATE
Sector	Financial Services & Finance	Technology	Financial Services & Finance
Industry	Fintech	Software - Infrastructure	Financial services
Country	GB	AU
Stage
Employee Count			5.00K
Website	xpate.com	pepltd.com.au	ingenico.com
LinkedIn
Founders

Metric
Market Cap		18.98M
Enterprise Value
Monthly Web Traffic
Web Traffic Growth
Valuation
Raised Capital

Metric
Revenue		557.29K
Revenue (LTM)
Revenue (NTM)
Gross Profit		-128.35K
EBITDA		-2.62M
Operating Income		-2.63M
Net Income		-2.48M
EPS		-0.00
Diluted EPS		-0.00
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		0.54
Operating Profit Margin		-4.72
EBITDA Margin		-4.69
Net Profit Margin		-4.44
Return on Equity		-1.50
Return on Assets		-1.27
Return on Capital Employed		-2.64

COM:XPATE

xpate

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		-13.39
P/B Ratio		11.36
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio		123.03
EV Multiple		-3.47

Metric
Days Sales Outstanding		278.30
Days Payables Outstanding		462.49
Days Inventory Outstanding		0.00
Operating Cycle		339.22
Cash Conversion Cycle		-503.05
Asset Turnover		0.55

Metric
Operating Cash Flow		-1.98M
Free Cash Flow		-1.98M
Cash Flow to Debt
Operating Cash Flow/Sales		-3.55
Free Cash Flow Yield		-0.09

Metric
Cash & Equivalents		783.27K
Accounts Receivable		47.33K
Inventory
Goodwill
Debt to Capitalization
Debt to Assets
Current Ratio		5.99
Quick Ratio		1.94

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue		-0.27
R&D to Revenue
SG&A to Revenue		6.40