Envestnet | Yodlee is a market leader in financial data aggregation and analytics. They provide a platform that consolidates information from multiple accounts, enabling insights for financial service providers. They partner with over 1,400 financial services and tech companies, including 17 of the top 20 U.S. banks. Their platform is powered by a massive data network associated with tens of millions of consumers.

Srihari Kumar

Schwark Satyavolu

Sukhinder Singh Cassidy

Envestnet | Yodlee

Bridge Bank offers various banking services, including checking and savings accounts, lending options, and mobile banking capabilities.

Bridge Bank

AdvisorStream provides an omnichannel marketing platform for financial advisors that aims to enhance client communications and drive growth through automation and AI-powered insights.

AdvisorStream

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

Envestnet | Yodlee Developer

Yodlee Small Business Suite

Envestnet is transforming the way financial advice is delivered through an ecosystem of technology, solutions, and intelligence. By establishing the connections between people's daily financial decisions and long-term financial goals, Envestnet empowers them to make better sense of their finances and live an Intelligent Financial Life™. With $5.4 trillion in platform assets—more than 107,000 advisors, 16 of the 20 largest U.S. banks, 48 of the 50 largest wealth management and brokerage firms, more than 500 of the largest RIAs, and thousands of companies, depend on Envestnet technology and services to help drive better outcomes for their businesses and for their clients.
 
Envestnet refers to the family of operating subsidiaries of the public holding company, Envestnet, Inc. (NYSE: ENV). For more information, please visit www.envestnet.com, and follow us on LinkedIn and X (@ENVintel and @Yodlee).

Privacy Notice: https://www.yodlee.com/legal/privacy-notice
Social Media Disclosure:  www.envestnet.com/social-media-disclosure

Sequoia Capital

Accel

Warburg Pincus

Bank of America

Historically, the credit industry has relied on data from traditional credit bureaus for credit decisions — but it doesn’t always show a complete picture of a prospective borrower. 

One solution? Using alternative data to augment traditional underwriting and verification processes while driving more intelligent and inclusive credit decisions. Don’t miss out — join us and learn how alternative data can help deliver a more holistic view of a prospective borrower. https://bit.ly/3vDpsE6

Discover the power of open banking for wealth tech firms. The right open banking infrastructure can help create a competitive advantage with enhanced data-driven functionality, improved customer experiences, and increased customer loyalty.

Uncover innovative use cases to help wealth tech firms successfully navigate challenges and prepare for emerging U.S. open banking regulations and Rule 1033. https://bit.ly/3NW0XZ1

Data-driven strategies like AI, machine learning, and analytics are transforming financial services, allowing for widespread personalization. But, AI data models are only as good as the data used to feed and optimize them. 

“Financial services companies have always had a bonanza of data at their fingertips, but now it’s possible to process it at scale, turning it into structured, tagged, and enriched data that can accelerate innovative product development and enable targeting all the way down to the individual customer.” - Om Deshmukh, Head of Data Science and Innovation, Envestnet | Yodlee https://bit.ly/48DjqS4

✈️ Fall travel saw a boost year-over-year, with nearly 60% of Americans planning a vacation. While the temperatures cooled off, hiking, camping, and leaf peeping heated up.

Historic locales, including Asheville, NC, and Williamsburg, VA, saw the most significant boost in tourism. Before you pack your bags, check out our Envestnet | Yodlee Merchant, Retail, Shopper, and Spend Insights to see what else we found. https://lnkd.in/e8QBwWwW

As open banking evolves in the U.S., significant opportunities exist to deliver more personalized and prescriptive offerings. At the same time, we need to be mindful of challenges around data security, privacy, regulatory compliance, and market competition. 

How does open banking help improve financial analysis and personalization and streamline account verification and onboarding? Join us to find out: 
📅 Tuesday, December 19, 2023
⏰ 1pm ET / 10am PT
💻 Register now: https://bit.ly/3Rw9gvG

As inflationary issues rise, so does the use of microsavings apps. Initially targeting low-income households, they are now being used by consumers across all income levels and ages, as reported by FinMasters. 

As savings becomes even more important, the opportunities for consumers to save however they can continues to grow. For more insights, visit https://bit.ly/3tlGmWX.

Had a fantastic discussion with our partners at Centrix about the latest insights and trends shaping the New Zealand market!

Worry about inflation is still very real. According to Envestnet | Yodlee data, 36% of people have less than $100 in savings, and more than half have less than $1,000 in savings as of September 2023.

When prices hit record highs across many essential goods and services, consumers are forced to dip into their savings to accommodate the rising prices. Which age bracket has the most savings? Check out our Envestnet | Yodlee Merchant, Retail, Shopper, and Spend Insights to find out. https://bit.ly/3tdREfS

We are excited to partner with Effi Technologies (Effi) to enable open banking connectivity under Australia's Consumer Data Right for Effi's new white-label financial tracker apps that help make homeownership more accessible for consumers and support mortgage brokers to be trusted advisors.

Lisa Novier, Head of Governance, Risk & Compliance joined The MoneyPot Podcast at #Money2020 along with Kimberly Bella of Visa and Ryan Fairley of Navy Federal Credit Union and hosted by Don Cardinal of Financial Data Exchange to delve into the booming world of open banking.

Envestnet | Yodlee has invested considerable time and resources in helping our clients prepare to consume data. While not everyone was ready simultaneously, we recognized this as a crucial strategic initiative to better support and educate clients and providers.

Listen in as the panel discusses the potential opportunities and challenges in the open banking landscape, the impact of the Consumer Financial Protection Bureau’s 1033 proposed rule, the acceleration of open banking, and how smaller banks and #fintechs are racing to embrace the integration. It’s a conversation you won’t want to miss! https://bit.ly/3RsFqJF

Metric
Company Name	Envestnet \| Yodlee	Bridge Bank	AdvisorStream	Spare
Symbol
MSH ID	COM:YODLEE	BANK:BRIDGE	COM:ADVISORSTREAM	COM:TRYSPARE
Market	PRIVATE	PRIVATE	PRIVATE	PRIVATE
Sector	Data Aggregation and Analytics	Financial Services & Finance	Commercial & Professional Services	Financial Services & Finance
Industry	Financial Technology	Banking	Marketing Technology	FinTech
Country	US	US	US	BH
Stage			Debt Financing	Seed
Employee Count	438	251
Website	yodlee.com	bridge.bank	advisorstream.com	tryspare.com
LinkedIn	yodlee		advisorstream	tryspare
Founders

Metric
Market Cap
Enterprise Value
Monthly Web Traffic	1.37M	160.44K	142.16K	916
Web Traffic Growth	-0.25	-0.14	-0.19	0.47
Valuation
Raised Capital			1.52M	3M

Metric
Revenue
Revenue (LTM)
Revenue (NTM)
Gross Profit
EBITDA
Operating Income
Net Income
EPS
Diluted EPS
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
Operating Profit Margin
EBITDA Margin
Net Profit Margin
Return on Equity
Return on Assets
Return on Capital Employed

COM:YODLEE

Envestnet | Yodlee

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
P/B Ratio
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio
EV Multiple

Metric
Days Sales Outstanding
Days Payables Outstanding
Days Inventory Outstanding
Operating Cycle
Cash Conversion Cycle
Asset Turnover

Metric
Operating Cash Flow
Free Cash Flow
Cash Flow to Debt
Operating Cash Flow/Sales
Free Cash Flow Yield

Metric
Cash & Equivalents
Accounts Receivable
Inventory
Goodwill
Debt to Capitalization
Debt to Assets
Current Ratio
Quick Ratio

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