Borrowmoney Com Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Borrowmoney Com Inc (BWMY) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Borrowmoney Com Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Borrowmoney com Inc | - | - | - | No |
| Competitors combined (4) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
BWMY Stock Performance relative to its Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Enova International Inc | 282.9% | Outperformed |
| 2 | Sofi Technologies Inc | 282.9% | Outperformed |
| 3 | Upstart Holdings Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Borrowmoney Com Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Publicly Traded Peers of Borrowmoney com Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Borrowmoney com Inc | 0.01 | - |
| Sofi Technologies Inc | 21,253.28 | 4,305.70 |
| Enova International Inc | 4,390.65 | 3,446.14 |
| Upstart Holdings Inc | 2,522.48 | 1,246.12 |
| Lendingclub Corporation | 2,296.22 | 381.44 |
| SUBTOTAL | 30,462.64 | 9,379.39 |
Sources: Borrowmoney com Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Borrowmoney com Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Borrowmoney Com Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Borrowmoney com Inc | 0 | - | - |
| Sofi Technologies Inc | 21,253 | 705,852 | 104,306 |
| Enova International Inc | 4,391 | 1,876,981 | 193,601 |
| Upstart Holdings Inc | 2,522 | 886,916 | 92,743 |
| Lendingclub Corporation | 2,296 | 354,827 | 163,357 |
| PEERS TOTAL | 30,463 | 900,479 | 124,580 |
Borrowmoney Com Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Enova International Inc | US 97.28 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Borrowmoney Com Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 155 companies in Borrowmoney Com Inc's industry classification, broader than the peer set above. Market cap in millions of $.Borrowmoney Com Inc ranks #0 of 155 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 1,015, indicating a unconcentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Visa Inc | 688,476 | 22.45 % |
| 2 | Mastercard Incorporated | 486,948 | 15.88 % |
| 3 | Repay Holdings Corporation | 301,493 | 9.83 % |
| 4 | Alibaba Group Holding Limited | 249,600 | 8.14 % |
| 5 | Uber Technologies Inc | 1,234 | 5.2% |
| 6 | Accenture Plc | 1,234 | 5.2% |
| 7 | Pdd Holdings inc | 1,234 | 5.2% |
| 8 | Mercadolibre Inc | 1,234 | 5.2% |
| 9 | Orix Corporation | 1,234 | 5.2% |
| 10 | Uxin Limited | 1,234 | 5.2% |
| 0 | Borrowmoney com Inc | 0 | 0.00 % |
Market cap and industry share for the rest of Borrowmoney Com Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-06-22.
Borrowmoney Com Inc's Valuation vs Competitive Position
Valuation multiples vs the Professional Services industry average (233 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Professional Services industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 25.6x | - |
| EV / EBITDA | - | 15.4x | - |
| P/B | -2.6x | 3.7x | -6.4x |
| Return on Equity | 11.70 % | industry aggregate | -2.63 % |
| Return on Invested Capital | 3.28 % | 5.21 % (avg) | -1.93 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Borrowmoney Com Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2021 | 2022 | 2023 |
|---|---|---|---|
| Revenue Growth | - | - | - |
| Operating Margin | - | - | - |
| Return on Invested Capital | - | 8.27 % | 3.28 % |
| P/E | - | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Borrowmoney Com Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | High | Industry HHI of 1,015 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Borrowmoney Com Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Borrowmoney Com Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Borrowmoney Com Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
No rule matched.
Weaknesses
- Underperforming the U.S.A. 500 over the trailing 12 months.
Opportunities
- A meaningful share of tracked competitors (50.00 %) show financial-distress signals, a possible opening to gain share.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-36.8% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Borrowmoney Com Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Borrowmoney com Inc | 0.02 | 0.02 | - |
| Sofi Technologies Inc | 0.13 | 0.16 | 0.23 |
| Enova International Inc | 0.26 | 1.30 | 3.34 |
| Upstart Holdings Inc | 3.87 | 14.28 | 2.48 |
| Lendingclub Corporation | - | 0.90 | - |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Borrowmoney Com Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Borrowmoney com Inc | Q4 2023 | - | - |
| Sofi Technologies Inc | Q2 2026 | +42.5 % | +61.0 % |
| Enova International Inc | Q2 2026 | +21.6 % | +38.0 % |
| Upstart Holdings Inc | Q2 2026 | +41.7 % | +199.1 % |
| Lendingclub Corporation | Q1 2026 | +12.2 % | +342.1 % |
| PEERS TOTAL | +33.1 % | +76.7 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Borrowmoney Com Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Borrowmoney com Inc | Q4 2023 | - | - |
| Sofi Technologies Inc | Q2 2026 | +33.0 % | +52.2 % |
| Enova International Inc | Q2 2026 | - | +12.4 % |
| Upstart Holdings Inc | Q2 2026 | - | +43.2 % |
| Lendingclub Corporation | Q1 2026 | -77.5 % | +97.3 % |
Borrowmoney Com Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Borrowmoney com Inc | - | - | - |
| Sofi Technologies Inc | 1.21% | 2.61% | 6.18% |
| Enova International Inc | 5.36% | 5.64% | 25.76% |
| Upstart Holdings Inc | 4.34% | 4.46% | 16.96% |
| Lendingclub Corporation | 1.55% | 10.32% | 11.92% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Borrowmoney Com Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Borrowmoney com Inc | - | - |
| Sofi Technologies Inc | 32.08 | 4.94 |
| Enova International Inc | 12.43 | 1.27 |
| Upstart Holdings Inc | 41.05 | 2.02 |
| Lendingclub Corporation | 13.13 | 6.02 |
| PEERS AVERAGE | 23.48 | 3.25 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.