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**Company Overview**

**Name:** Plus Square, Inc.

**Stock Symbol:** PLUS

**Exchange:** Nasdaq

**Industry:** Technology

**Business Description:**

Plus Square provides cloud-based software and services for the financial services industry. Its platform enables financial institutions to manage their operations, including accounting, compliance, and risk management.

**Financial Performance**

**Revenue:**

* Q4 2022: $31.1 million

* Full-year 2022: $118.3 million

**Earnings:**

* Q4 2022: $0.07 per share

* Full-year 2022: $0.26 per share

**Growth Metrics:**

* Annual revenue growth rate: 25% (2022)

* Customer base: Over 1,000 financial institutions

**Key Metrics:**

* Gross margin: 65%

* Operating margin: 15%

* Net income margin: 10%

**Analyst Estimates:**

* Revenue growth in 2023: 20-25%

* Earnings per share in 2023: $0.30-0.35

**Competitive Landscape:**

Plus Square competes with other cloud-based financial software providers, such as:

* FIS

* Jack Henry & Associates

* Oracle

**Investment Considerations:**

* **Strong growth potential:** The financial services industry is rapidly adopting cloud-based solutions, providing Plus Square with a large market opportunity.

* **Recurring revenue model:** Plus Square's subscription-based revenue model provides stable cash flow.

* **High margins:** The company's high gross and operating margins indicate strong profitability.

* **Risks:** Competition from larger players and regulatory changes in the financial services industry could pose challenges.

**Conclusion:**

Plus Square is a growing technology company with a strong financial performance and a promising market opportunity. Its cloud-based software and services are in high demand in the financial services industry, and the company is well-positioned for continued growth.