AIFIRM is an association that promotes discussion among its members on topics related to risk management. It is involved in education and professional development in the field of risk management, particularly in the financial and credit sectors.

AIFIRM

Zip Co Limited provides digital retail finance and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, Canada, the Czech Republic, Mexico, New Zealand, Poland, Saudi Arabia, Singapore, South Africa, Turkey, the United Arab Emirates, the United Kingdom, and the United States. It operates through five segments: APAC, Americas, EMEA, Zip Business, and Corporate. The company offers unsecured loans and lines of credit to SMEs. In addition, the company offers Buy Now Pay Later services, which offer line of credit and installment products to consumers through online and in-store. The company was formerly known as ZipMoney Limited and changed its name to Zip Co Limited in December 2017. Zip Co Limited was incorporated in 2009 and is headquartered in Sydney, Australia.

Zip Co Limited

Afterpay Limited, together with its subsidiaries, provides payments solutions to customers, merchants, and businesses. Its Afterpay Asia Pacific segment operates the Afterpay platforms in Australia, New Zealand, and Asia. The company's Afterpay North America segment operates the Afterpay platforms in the United States and Canada. Its Clearpay segment operates the Clearpay platforms in the United Kingdom and Europe. The company's Pay Now segment provides mobility, health, and e-services. The company was formerly known as Afterpay Touch Group Limited and changed its name to Afterpay Limited in November 2019. Afterpay Limited was incorporated in 2017 and is based in Melbourne, Australia. As of January 31, 2022, Afterpay Limited operates as a subsidiary of Lanai (AU) 2 Pty Ltd.

Nick Molnar

Anthony Eisen

Afterpay Limited

PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company's payments platform allows consumers to send and receive payments in approximately 200 markets and in approximately 100 currencies, withdraw funds to their bank accounts in 56 currencies, and hold balances in their PayPal accounts in 25 currencies. PayPal Holdings, Inc. was founded in 1998 and is headquartered in San Jose, California.

Metric
Company Name	AIFIRM	Zip Co Limited	Afterpay Limited	PayPal Holdings, Inc.
Symbol		ZIP	AFTPY	PYPL
MSH ID	IT:AIFIRM	CO:ZIP	COM:AFTERPAY	COM:PAYPAL
Market	PRIVATE	STOCKS	STOCKS	STOCKS
Sector	Commercial & Professional Services	Financial Services	Technology	Financial Services
Industry	Professional Services	Financial - Credit Services	Software - Infrastructure	Financial - Credit Services
Country	IT	AU	AU	US
Stage
Employee Count		985	1.30K	27.20K
Website	aifirm.it	zip.co	afterpay.com	paypal.com
LinkedIn				paypal
Founders

Metric
Market Cap	1.28B	61.61B
Enterprise Value
Monthly Web Traffic	2.90M
Web Traffic Growth	0.07
Valuation
Raised Capital

Metric
Revenue	558.47M	29.77B
Revenue (LTM)
Revenue (NTM)
Gross Profit	288.44M	13.70B
EBITDA	-5.75M	6.54B
Operating Income	-46.91M	5.03B
Net Income	7.17M	4.25B
EPS	0.01	3.85
Diluted EPS	0.01	3.84
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	0.53	0.46
Operating Profit Margin	0.07	0.18
EBITDA Margin	-0.01	0.22
Net Profit Margin	2.29	0.14
Return on Equity	8.16	0.22
Return on Assets	0.62	26.95
Return on Capital Employed	0.02	25.30

IT:AIFIRM

AIFIRM

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	-1.49	17.92
P/B Ratio	2.81	3.42
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	4.37	2.68
EV Multiple	51.38	11.51

Metric
Days Sales Outstanding	40.58	509.94
Days Payables Outstanding		917.46
Days Inventory Outstanding	0.00	0.07
Operating Cycle	1.27K	564.04
Cash Conversion Cycle	1.27K	442.42
Asset Turnover	0.27	189.01

Metric
Operating Cash Flow	174.14M	4.84B
Free Cash Flow	162.97M	4.22B
Cash Flow to Debt	0.11	0.75
Operating Cash Flow/Sales	0.31	0.24
Free Cash Flow Yield	-0.30	0.04

Metric
Cash & Equivalents	225.56M	9.08B
Accounts Receivable	98.43M	-114M
Inventory		3M
Goodwill		11.03B
Debt to Capitalization	0.94	0.37
Debt to Assets	0.87	0.14
Current Ratio	1.66	1.30
Quick Ratio	8.93	1.37

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.02	0.05
R&D to Revenue		0.10
SG&A to Revenue	0.06	0.07