Riskified Ltd. (RSKD) vs Upbound Group, Inc. (UPBD)

Riskified Ltd. and Upbound Group, Inc. are both Software Application companies. Riskified Ltd. is the larger, with a market value of $1.1B against $925.2M — 1.1× the size. Riskified Ltd. has negative trailing earnings, so its P/E is not meaningful; Upbound Group, Inc. trades at 10.2×. Riskified Ltd. grew revenue faster over the last twelve months: 9.63% against 5.85%. Upbound Group, Inc. has the higher net margin (1.90% vs −4.23%) and the higher return on invested capital (7.36% vs 0.00%). Across the 20 metrics below, Upbound Group, Inc. leads on 12 and Riskified Ltd. on 8.

Valuation

Metric RSKD UPBD Software Application median
P/E n/m 10.25 24.79
P/S 2.94 0.20 2.67
P/B 5.18 1.28 3.01
Price to free cash flow 23.52 2.63 16.59
EV/EBITDA n/m 1.28 14.40
EV/Sales 2.34 0.48 2.62
Earnings yield (1.41%) 9.76% 0.00%
Free cash flow yield 4.25% 38.04% 1.91%

Profitability

Metric RSKD UPBD Software Application median
Gross margin 51.26% 49.13% 67.03%
Operating margin (4.69%) 5.09% 0.00%
Net margin (4.23%) 1.90% 0.00%
Free cash flow margin 12.52% 7.52% 4.32%
Return on equity (5.69%) 12.73% 0.00%
Return on assets (4.01%) 2.91% 0.00%
Return on invested capital 0.00% 7.36% 0.00%

Growth

Metric RSKD UPBD Software Application median
Revenue growth (TTM) 9.63% 5.85% 12.40%
EPS growth (last fiscal year) 10.00% (43.44%) —
Revenue growth, 5-year CAGR 15.22% 10.78% 13.72%
Net income growth, 5-year CAGR 0.00% (18.85%) 0.00%

Health

Metric RSKD UPBD Software Application median
Debt to equity 0.00 1.94 0.02
Current ratio 3.62 3.22 1.55
Net debt to EBITDA 16.13 0.83 0.06

Dividend

Metric RSKD UPBD Software Application median
Dividend yield — 4.15% 1.25%
Payout ratio 0.00 4.12 0.00

Size

Metric RSKD UPBD Software Application median
Market cap 1.05b 925.21m 396.11m

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