Openbank provides online banking services, focusing on high yield savings accounts with competitive rates and no fees. The service is associated with Santander Bank, leveraging its banking experience.

Openbank

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

Oracle Corporation offers products and services that address enterprise information technology environments worldwide. Its Oracle cloud software as a service offering include various cloud software applications, including Oracle Fusion cloud enterprise resource planning (ERP), Oracle Fusion cloud enterprise performance management, Oracle Fusion cloud supply chain and manufacturing management, Oracle Fusion cloud human capital management, Oracle Advertising, and NetSuite applications suite, as well as Oracle Fusion Sales, Service, and Marketing. The company also offers cloud-based industry solutions for various industries; Oracle application licenses; and Oracle license support services. In addition, it provides cloud and license business' infrastructure technologies, such as the Oracle Database, an enterprise database; Java, a software development language; and middleware, including development tools and others. The company's cloud and license business' infrastructure technologies also comprise cloud-based compute, storage, and networking capabilities; and Oracle autonomous database, MySQL HeatWave, Internet-of-Things, digital assistant, and blockchain. Further, it provides hardware products and other hardware-related software offerings, including Oracle engineered systems, enterprise servers, storage solutions, industry-specific hardware, virtualization software, operating systems, management software, and related hardware services; and consulting and customer services. The company markets and sells its cloud, license, hardware, support, and services offerings directly to businesses in various industries, government agencies, and educational institutions, as well as through indirect channels. Oracle Corporation was founded in 1977 and is headquartered in Austin, Texas.

Ed Oates

Bob Miner

Brian Cassidy

Larry Ellison

Arnold Silverman

Oracle Corporation

BCN Fintech is a not-for-profit organization dedicated to growing the fintech ecosystem in Barcelona, Spain. Self-described as the official voice of fintech in Barcelona.

Metric
Company Name	Openbank	Capital One Financial Corporation	Oracle Corporation	BCN Fintech
Symbol		COF	ORCL
MSH ID	US:OPENBANK	COM:CAPITALONE	COM:ORACLE	ORG:BCNFINTECH
Market	PRIVATE	STOCKS	STOCKS	PRIVATE
Sector	Financial Services & Finance	Financial Services	Technology	Commercial & Professional Services
Industry	Banking	Financial - Credit Services	Software - Infrastructure	Financial Services
Country	US	US	US	ES
Stage				Equity Crowdfunding
Employee Count		51.30K	159K
Website	openbank.us	capitalone.com	oracle.com	bcnfintech.org
LinkedIn			oracle	bcn-fintech
Founders

Metric
Market Cap		52.17B	391.53B
Enterprise Value
Monthly Web Traffic	2.37M		32.15M	55
Web Traffic Growth	-0.05		-0.04
Valuation
Raised Capital				749.90K

Metric
Revenue	49.48B	52.96B
Revenue (LTM)
Revenue (NTM)
Gross Profit	25.77B	34.81B
EBITDA	-4M	22.21B
Operating Income	-4M	16.07B
Net Income	4.89B	10.47B
EPS	11.98	3.81
Diluted EPS	11.95	3.71
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	0.76
Operating Profit Margin	0.27	0.30
EBITDA Margin	-0.00	0.42
Net Profit Margin	0.12	0.20
Return on Equity	0.09	2.96
Return on Assets	0.01	0.08
Return on Capital Employed	0.02	0.14

OPEN

US:OPENBANK

Openbank

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	31.57
P/B Ratio	0.96	73.09
Revenue Multiple (LTM)
Revenue Multiple (NTM)
EBITDA Multiple (LTM)
EBITDA Multiple (NTM)
Price to Sales Ratio	1.34	9.16
EV Multiple	28.19	18.54

Metric
Days Sales Outstanding	24.81	48.10
Days Payables Outstanding		27.83
Days Inventory Outstanding		7.67
Operating Cycle		74.31
Cash Conversion Cycle		13.44
Asset Turnover	0.10	0.38

Metric
Operating Cash Flow	20.57B	18.67B
Free Cash Flow	19.61B	11.81B
Cash Flow to Debt	0.49	0.23
Operating Cash Flow/Sales	0.51	0.36
Free Cash Flow Yield	0.40	0.03

Metric
Cash & Equivalents	43.30B	10.45B
Accounts Receivable	-359M	-965M
Inventory	-45.77B
Goodwill	15.06B	62.23B
Debt to Capitalization	0.47	0.94
Debt to Assets	0.10	0.66
Current Ratio	178.36	0.79
Quick Ratio	3.72	0.72

Metric
Rule of 40 (LTM)
Rule of 40 (NTM)
Stock Comp to Revenue	0.01	0.07
R&D to Revenue		0.18
SG&A to Revenue	0.26	0.03