BSY vs. TWLO: Bentley Systems vs. Twilio Stock Comparison
How do Bentley Systems (BSY) and Twilio (TWLO) stack up? This page sets them side by side across company profile, performance and risk, profitability, growth, financial strength, dividends, and valuation, with selected fundamentals also measured against each stock's industry-group peers.
Company Profile
Bentley Systems (BSY) and Twilio (TWLO) both fall under the Software & Services industry group, but BSY is classified in Software while TWLO is classified in IT Services.
| Profile Item | BSY | TWLO |
|---|---|---|
| Name | Bentley Systems, Incorporated Class B Common Stock | Twilio Inc. Class A Common Stock |
| Country/Region | United States | United States |
| GICS Sector | Information Technology | Information Technology |
| GICS Industry Group | Software & Services | Software & Services |
| GICS Industry | Software | IT Services |
| GICS Sub-Industry | Application Software | Internet Services & Infrastructure |
| Market Capitalization | 13.50 billion USD | 31.26 billion USD |
| Currency | USD | USD |
| Exchange | Nasdaq | NYSE |
| Listing Date | September 23, 2020 | June 23, 2016 |
| Security Type | Common Stock | Common Stock |
Price Performance
Cumulative Growth
Trailing Returns
Calendar-Year Returns
Performance Metrics
| Metric | BSY | TWLO |
|---|---|---|
| Total Return (1Y) | -2.57% | 61.15% |
| Total Return (3Y, Annualized) | -3.01% | 54.31% |
| Total Return (5Y, Annualized) | -5.13% | -7.91% |
Risk Profile
Drawdown History
Return Distribution
Risk Metrics
| Metric | BSY | TWLO |
|---|---|---|
| Volatility (1Y, Annualized) | 41.49% | 63.75% |
| Beta (5Y) | 0.92 | 1.48 |
| Max Drawdown (5Y) | -53.94% | -86.25% |
| Avg. Volume (3M) | 2.67M | 3.05M |
Risk-Adjusted Performance
Risk-Return Positioning
Risk-Adjusted Metrics
| Metric | BSY | TWLO |
|---|---|---|
| Sharpe Ratio (1Y) | -0.17 | 0.89 |
| Sortino Ratio (1Y) | -0.25 | 1.49 |
Profitability
ROE (TTM)
Bentley Systems (BSY) at 26.03% sits in the top ROE quartile, while Twilio (TWLO) at 14.92% is closer to the peer norm — stronger capital efficiency for BSY.
BSY
Software & Services industry group
26.03%
- Max
- 53.85%
- BSY
- 26.03%
- Q3
- 17.90%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
TWLO
Software & Services industry group
14.92%
- Max
- 53.85%
- Q3
- 17.90%
- TWLO
- 14.92%
- Median
- 6.59%
- Q1
- -9.59%
- Min
- -50.52%
Net Margin (TTM)
For every dollar of sales, both Bentley Systems (BSY) at 19.57% and Twilio (TWLO) at 21.82% retain more as net profit than most peers, landing in the top net margin quartile of their industries.
BSY
Software & Services industry group
19.57%
- Max
- 41.17%
- BSY
- 19.57%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
TWLO
Software & Services industry group
21.82%
- Max
- 41.17%
- TWLO
- 21.82%
- Q3
- 15.28%
- Median
- 4.63%
- Q1
- -5.42%
- Min
- -33.17%
Operating Margin (TTM)
Bentley Systems (BSY) at 29.81% operates in the top operating margin quartile, ahead of Twilio (TWLO) at 9.53%, which runs around its industry’s norm.
BSY
Software & Services industry group
29.81%
- Max
- 46.89%
- BSY
- 29.81%
- Q3
- 17.64%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
TWLO
Software & Services industry group
9.53%
- Max
- 46.89%
- Q3
- 17.64%
- TWLO
- 9.53%
- Median
- 8.73%
- Q1
- -2.13%
- Min
- -30.45%
Profitability Metrics
| Metric | BSY | TWLO |
|---|---|---|
| ROE (TTM) | 26.03% | 14.92% |
| ROA (TTM) | 7.73% | 2.69% |
| Net Margin (TTM) | 19.57% | 21.82% |
| Operating Margin (TTM) | 29.81% | 9.53% |
| Gross Margin (TTM) | 82.37% | 48.61% |
Growth
Revenue Growth
Both Bentley Systems (BSY) at 10.99% and Twilio (TWLO) at 13.66% land near their industries' usual revenue growth ranges, so top-line momentum looks broadly in line with peers on both sides.
EPS Growth
Only one side can be read here: Bentley Systems (BSY) reports EPS growth of 18.06%, ranked against its industry; Twilio (TWLO) has no EPS growth figure this period.
Growth Metrics
| Metric | BSY | TWLO |
|---|---|---|
| Revenue Growth (YoY) | 10.99% | 13.66% |
| Revenue Growth (3Y CAGR) | 10.97% | 9.82% |
| EPS Growth (YoY) | 18.06% | -- |
| EPS Growth (3Y CAGR) | 15.62% | -- |
Financial Strength
Current Ratio (MRQ)
Twilio (TWLO) at 4.47 carries current ratio above its industry’s typical mid-range, while Bentley Systems (BSY) at 0.65 runs in the tighter-liquidity quartile — different working-capital profiles, both worth examining.
BSY
Software & Services industry group
0.65
- Max
- 5.11
- Q3
- 2.77
- Median
- 1.67
- Q1
- 1.01
- BSY
- 0.65
- Min
- 0.03
TWLO
Software & Services industry group
4.47
- Max
- 5.11
- TWLO
- 4.47
- Q3
- 2.77
- Median
- 1.67
- Q1
- 1.01
- Min
- 0.03
Debt / Equity (MRQ)
Both Bentley Systems (BSY) at 0.94 and Twilio (TWLO) at 0.12 fund their balance sheets with roughly industry-typical debt-to-equity mixes.
BSY
Software & Services industry group
0.94
- Max
- 2.52
- Q3
- 1.13
- BSY
- 0.94
- Median
- 0.40
- Q1
- 0.07
- Min
- 0.00
TWLO
Software & Services industry group
0.12
- Max
- 2.52
- Q3
- 1.13
- Median
- 0.40
- TWLO
- 0.12
- Q1
- 0.07
- Min
- 0.00
Financial Strength Metrics
| Metric | BSY | TWLO |
|---|---|---|
| Current Ratio (MRQ) | 0.65 | 4.47 |
| Debt / Equity (MRQ) | 0.94 | 0.12 |
| Net Debt / EBITDA | 2.12 | -3.13 |
Dividends
Dividend Yield (TTM)
Twilio (TWLO) pays no dividend (yield 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bentley Systems (BSY) reports a yield of 0.62%, ranking against industry peers normally.
BSY
Software & Services industry group
0.62%
- BSY
- 0.62%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
TWLO
Software & Services industry group
0.00%
- TWLO
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Payout Ratio (TTM)
Twilio (TWLO) pays no dividend (payout 0.00%) — it may be reinvesting, using buybacks, or simply not returning cash through dividends. Meanwhile Bentley Systems (BSY) reports a payout of 27.72%, ranking against industry peers normally.
BSY
Software & Services industry group
27.72%
- BSY
- 27.72%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
TWLO
Software & Services industry group
0.00%
- TWLO
- 0.00%
- Max
- 0.00%
- Q3
- 0.00%
- Median
- 0.00%
- Q1
- 0.00%
- Min
- 0.00%
Dividend Metrics
| Metric | BSY | TWLO |
|---|---|---|
| Dividend Yield (TTM) | 0.62% | 0.00% |
| Dividend Payout Ratio (TTM) | 27.72% | 0.00% |
Valuation
P/E Ratio (TTM)
Both Bentley Systems (BSY) at 44.21 and Twilio (TWLO) at 25.38 land around their industries’ usual P/E ratio levels — neither is getting a clear earnings-multiple discount or premium versus peers.
BSY
Software & Services industry group
44.21
- Max
- 112.94
- Q3
- 60.32
- BSY
- 44.21
- Median
- 32.91
- Q1
- 18.77
- Min
- 6.69
TWLO
Software & Services industry group
25.38
- Max
- 112.94
- Q3
- 60.32
- Median
- 32.91
- TWLO
- 25.38
- Q1
- 18.77
- Min
- 6.69
P/S Ratio (TTM)
On P/S ratio, both Bentley Systems (BSY) at 8.19 and Twilio (TWLO) at 5.36 are priced roughly in line with their industries — neither looks cheap nor rich on a sales basis.
BSY
Software & Services industry group
8.19
- Max
- 17.91
- Q3
- 8.78
- BSY
- 8.19
- Median
- 4.25
- Q1
- 2.23
- Min
- 0.02
TWLO
Software & Services industry group
5.36
- Max
- 17.91
- Q3
- 8.78
- TWLO
- 5.36
- Median
- 4.25
- Q1
- 2.23
- Min
- 0.02
P/B Ratio (MRQ)
Twilio (TWLO) at 3.41 is valued about in line with its industry on P/B ratio, while Bentley Systems (BSY) at 10.79 carries an above-peer premium to book — BSY is pricier on assets.
BSY
Software & Services industry group
10.79
- Max
- 16.63
- BSY
- 10.79
- Q3
- 8.50
- Median
- 4.30
- Q1
- 1.92
- Min
- -3.90
TWLO
Software & Services industry group
3.41
- Max
- 16.63
- Q3
- 8.50
- Median
- 4.30
- TWLO
- 3.41
- Q1
- 1.92
- Min
- -3.90
Valuation Metrics
| Metric | BSY | TWLO |
|---|---|---|
| P/E Ratio (TTM) | 44.21 | 25.38 |
| P/S Ratio (TTM) | 8.19 | 5.36 |
| P/B Ratio (MRQ) | 10.79 | 3.41 |
| Free Cash Flow Yield (TTM) | 2.74% | 3.45% |