Agri Fintech Holdings Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Agri Fintech Holdings Inc (IWBB) 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.
Key Findings: Agri Fintech Holdings Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 1,392M vs 36,270M combined for tracked competitors (3.7% combined share).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
Agri Fintech Holdings Inc vs. its Competitors, Q2 2023
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Agri Fintech Holdings Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Agri fintech Holdings inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Agri Fintech Holdings Inc's competitor groups requires a Commercial License.
Agri Fintech Holdings 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 |
|---|---|---|---|---|
| Agri fintech Holdings inc | - | - | - | Yes |
| Competitors combined (6) |
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.
IWBB 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 | Consensus Cloud Solutions Inc | 282.9% | Outperformed |
| 2 | Paypal Holdings Inc | 282.9% | Outperformed |
| 3 | Bill Holdings Inc | 282.9% | Outperformed |
| 4 | Fingermotion Inc | 282.9% | Outperformed |
| 5 | Surgepays Inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Agri Fintech Holdings Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Agri Fintech Holdings Inc's Comment on Competition and Industry Peers
With respect to our payment services, we face competition from financial institutions with payment processing offerings, debit and credit card service providers, other offline payment options and other electronic payment system operators, in each of the markets in which we operate. We expect competition to intensify in the future as existing and new competitors may introduce new services or enhance existing services. New entrants tied to established brands may engender greater user confidence in the safety and efficacy of their services.
We believe that developing and maintaining awareness of our brand is critical to achieving widespread acceptance of the Tingo network and is an important element in attracting new users. Furthermore, we believe that the importance of brand recognition will increase as competition in our market increases. Successful promotion of our brand will depend largely on the effectiveness of our marketing efforts and our ability to ensure that the Tingo network remains reliable, and useful at competitive prices. Brand promotion activities may not yield increased revenue, and even if they do, any increased revenue may not offset the expenses we incur in building our brand. If we fail to successfully promote and maintain our brand or incur substantial expenses in an unsuccessful attempt to promote and maintain our brand, we may fail to attract new organizations to us or to grow or maintain our telecommunications network.
Publicly Traded Peers of Agri fintech Holdings inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Agri fintech Holdings inc | 5,523.82 | 1,391.58 |
| Paypal Holdings Inc | 49,753.60 | 33,734.00 |
| Bill Holdings Inc | 4,133.61 | 1,651.86 |
| Zuora Inc | 1,525.68 | 452.07 |
| Consensus Cloud Solutions Inc | 647.12 | 353.86 |
| Fingermotion Inc | 8.40 | 16.32 |
| SUBTOTAL | 61,595.42 | 37,662.06 |
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Sources: Agri fintech Holdings 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 Agri fintech Holdings inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Agri Fintech Holdings Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Paypal Holdings Inc | Reportable 100.00 % |
| Consensus Cloud Solutions Inc | Reportable 100.00 % |
| Surgepays Inc | Point of Sale and Prepaid Services 80.26 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Agri Fintech Holdings 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 |
|---|---|---|---|
| Agri fintech Holdings inc | 5,524 | - | - |
| Paypal Holdings Inc | 49,754 | 1,417,395 | 468,109 |
| Bill Holdings Inc | 4,134 | 981,498 | -7,248 |
| Zuora Inc | 1,526 | 279,402 | -45,716 |
| Consensus Cloud Solutions Inc | 647 | 680,496 | 182,025 |
| Fingermotion Inc | 8 | 255,056 | -108,457 |
| PEERS TOTAL | 56,072 | 1,304,225 | 399,211 |
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Agri Fintech Holdings 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 |
|---|---|
| Paypal Holdings Inc | UNITED STATES 56.82 % |
| Zuora Inc | United States 62.96 % |
| Consensus Cloud Solutions Inc | United States 78.57 % |
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.
Agri Fintech Holdings 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 | 2019 | 2021 | 2022 |
|---|---|---|---|
| Revenue Growth | - | - | 4.82 % |
| Operating Margin | - | 7.91 % | 7.55 % |
| Return on Invested Capital | -60.75 % | 2.11 % | 1.64 % |
| 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.
Agri Fintech Holdings 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
- Return on equity 50.9 points below the industry aggregate.
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
- A meaningful share of tracked competitors (33.30 %) show financial-distress signals, a possible opening to gain share.
Threats
- Losing revenue share to the broader industry (-1.0 points over the past year).
- Tracked peer group's revenue run-rate is broadly decelerating (-13.7% 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.
Agri Fintech Holdings 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 |
|---|---|---|---|
| Agri fintech Holdings inc | 0.35 | 0.98 | 0.02 |
| Paypal Holdings Inc | 0.17 | 1.30 | 0.52 |
| Bill Holdings Inc | 0.23 | 1.60 | 0.57 |
| Zuora Inc | 0.99 | 2.59 | 2.24 |
| Consensus Cloud Solutions Inc | 1.49 | 1.83 | 30.20 |
| Fingermotion Inc | 0.02 | 1.15 | 0.05 |
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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.
Agri Fintech Holdings 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 |
|---|---|---|---|
| Agri fintech Holdings inc | Q2 2023 | - | - |
| Paypal Holdings Inc | Q1 2026 | +7.2 % | -13.3 % |
| Bill Holdings Inc | Q2 2026 | +13.4 % | - |
| Zuora Inc | Q3 2024 | +6.2 % | - |
| Consensus Cloud Solutions Inc | Q2 2026 | +4.9 % | +31.7 % |
| Fingermotion Inc | Q2 2026 | -92.3 % | - |
| PEERS TOTAL | +4.1 % | -17.0 % |
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Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Agri Fintech Holdings 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 |
|---|---|---|---|
| Agri fintech Holdings inc | Q2 2023 | - | - |
| Paypal Holdings Inc | Q1 2026 | - | +17.9 % |
| Bill Holdings Inc | Q2 2026 | +11.3 % | -5.9 % |
| Zuora Inc | Q3 2024 | +8.6 % | +8.3 % |
| Consensus Cloud Solutions Inc | Q2 2026 | +7.6 % | -1.8 % |
| Fingermotion Inc | Q2 2026 | -88.5 % | - |
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Agri Fintech Holdings Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Agri fintech Holdings inc | - | - | - |
| Paypal Holdings Inc | 13.91% | 14.88% | 55.24% |
| Bill Holdings Inc | - | - | - |
| Zuora Inc | - | - | - |
| Consensus Cloud Solutions Inc | 13.95% | 15.41% | 506.78% |
| Fingermotion Inc | - | - | - |
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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).
Agri Fintech Holdings Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Agri fintech Holdings inc | - | 3.97 |
| Paypal Holdings Inc | 10.24 | 1.47 |
| Bill Holdings Inc | - | 2.50 |
| Zuora Inc | - | 3.37 |
| Consensus Cloud Solutions Inc | 6.84 | 1.83 |
| Fingermotion Inc | 1.14 | 0.51 |
| PEERS AVERAGE | 5.64 | 1.64 |
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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.