G
Genpact Limited
G
(3.0)44,79 USD
18.72% ROA
29.14% ROE
10.79x PER
6.934.687.760,00 USD
72.27% DER
1.53% Yield
14.12% NPM
Genpact Limited Stock Analysis
Genpact Limited Fundamental Analysis
Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.
# | Analysis | Rating |
---|---|---|
1 |
ROE
The stock's ROE exceeds expectations (22%), revealing strong profitability and efficient use of shareholders' equity, making it an attractive investment opportunity. |
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2 |
ROA
The stock's ability to make a lot of money from its assets shows that it is very profitable, making it a good choice for people who want to invest and make a lot of money. |
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3 |
Revenue Growth
With a track record of consistent revenue growth in the past five years, this company presents a compelling opportunity. |
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4 |
Dividend Growth
The company's dividend growth has consistently increased every year in the last five years, indicating a strong track record of positive returns for investors. |
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5 |
Dividend
With a solid track record of dividend payments over the past five years, the company has established itself as a dependable choice for investors seeking consistent income. |
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6 |
DER
The stock maintains a fair debt to equity ratio (83%), indicating a reasonable balance between the money it owes and the ownership it possesses. |
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7 |
Buffet Intrinsic Value
Based on Warren Buffett's formula, the company's stock appears undervalued (418), presenting an attractive investment chance with its intrinsic value surpassing the current market price. |
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8 |
PBV
The stock's high Price-to-Book Value (P/BV) ratio (3.22x) suggests it's overvalued, potentially making it an expensive investment. |
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9 |
Net Profit Growth
The net profit of this company has shown no signs of growth over the last five years, suggesting limited profitability and making it a less attractive investment opportunity. |
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10 |
Assets Growth
Company's revenue has stayed stagnant, showing no signs of improvement and making it a less favorable choice. |
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11 |
Graham Number
The company's Graham number suggests that its stock price is overestimated, implying that it may not be a promising investment opportunity. |
Genpact Limited Technical Analysis
Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.
# | Analysis | Recommendation |
---|---|---|
1 | Awesome Oscillator | Hold |
2 | MACD | Buy |
3 | RSI | Hold |
4 | Stoch RSI | Sell |
Genpact Limited Price Chart
Financial Statements
Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.
Income Statements
An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.
Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.
Year | Revenue | Growth |
---|---|---|
2002 | 295.000.000 | |
2005 | 491.894.000 | 40.03% |
2006 | 613.047.000 | 19.76% |
2007 | 822.684.000 | 25.48% |
2008 | 1.040.847.000 | 20.96% |
2009 | 1.120.071.000 | 7.07% |
2010 | 1.258.963.000 | 11.03% |
2011 | 1.600.436.000 | 21.34% |
2012 | 1.901.971.000 | 15.85% |
2013 | 2.131.997.000 | 10.79% |
2014 | 2.279.438.000 | 6.47% |
2015 | 2.461.044.000 | 7.38% |
2016 | 2.570.756.000 | 4.27% |
2017 | 2.736.929.000 | 6.07% |
2018 | 3.000.790.000 | 8.79% |
2019 | 3.520.543.000 | 14.76% |
2020 | 3.709.377.000 | 5.09% |
2021 | 4.022.211.000 | 7.78% |
2022 | 4.371.172.000 | 7.98% |
2023 | 4.543.168.000 | 3.79% |
2023 | 4.476.888.000 | -1.48% |
2024 | 4.702.764.000 | 4.8% |
Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.
Year | Research and Development Expenses | Growth |
---|---|---|
2002 | 0 | |
2005 | 0 | 0% |
2006 | 0 | 0% |
2007 | 0 | 0% |
2008 | 0 | 0% |
2009 | 0 | 0% |
2010 | 0 | 0% |
2011 | 0 | 0% |
2012 | 0 | 0% |
2013 | 0 | 0% |
2014 | 0 | 0% |
2015 | 0 | 0% |
2016 | 0 | 0% |
2017 | 0 | 0% |
2018 | 3.070.000 | 100% |
2019 | 3.511.000 | 12.56% |
2020 | 5.253.000 | 33.16% |
2021 | 205.000 | -2462.44% |
2022 | 25.317.000 | 99.19% |
2023 | 0 | 0% |
2023 | 0 | 0% |
2024 | 0 | 0% |
General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.
Year | General and Administrative Expenses | Growth |
---|---|---|
2002 | 0 | |
2005 | 0 | 0% |
2006 | 0 | 0% |
2007 | 221.150.000 | 100% |
2008 | 243.341.000 | 9.12% |
2009 | 265.392.000 | 8.31% |
2010 | 282.102.000 | 5.92% |
2011 | 349.383.000 | 19.26% |
2012 | 447.760.000 | 21.97% |
2013 | 476.366.000 | 6.01% |
2014 | 577.054.000 | 17.45% |
2015 | 599.130.000 | 3.68% |
2016 | 644.016.000 | 6.97% |
2017 | 680.018.000 | 5.29% |
2018 | 685.334.000 | 0.78% |
2019 | 784.934.000 | 12.69% |
2020 | 0 | 0% |
2021 | 0 | 0% |
2022 | 0 | 0% |
2023 | 0 | 0% |
2023 | 0 | 0% |
2024 | 0 | 0% |
EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.
Year | EBITDA | Growth |
---|---|---|
2002 | 62.500.000 | |
2005 | 101.642.000 | 38.51% |
2006 | 129.810.000 | 21.7% |
2007 | 135.156.000 | 3.96% |
2008 | 218.430.000 | 38.12% |
2009 | 225.703.000 | 3.22% |
2010 | 245.637.000 | 8.12% |
2011 | 319.116.000 | 23.03% |
2012 | 330.593.000 | 3.47% |
2013 | 365.224.000 | 9.48% |
2014 | 386.001.000 | 5.38% |
2015 | 411.722.000 | 6.25% |
2016 | 419.883.000 | 1.94% |
2017 | 421.546.000 | 0.39% |
2018 | 436.631.000 | 3.45% |
2019 | 550.360.000 | 20.66% |
2020 | 591.077.000 | 6.89% |
2021 | 663.902.000 | 10.97% |
2022 | 616.275.000 | -7.73% |
2023 | 680.860.000 | 9.49% |
2023 | 630.857.000 | -7.93% |
2024 | 753.132.000 | 16.24% |
Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.
Year | Gross Profit | Growth |
---|---|---|
2002 | 102.900.000 | |
2005 | 187.931.000 | 45.25% |
2006 | 252.166.000 | 25.47% |
2007 | 307.221.000 | 17.92% |
2008 | 421.616.000 | 27.13% |
2009 | 447.447.000 | 5.77% |
2010 | 470.441.000 | 4.89% |
2011 | 595.537.000 | 21.01% |
2012 | 744.205.000 | 19.98% |
2013 | 812.426.000 | 8.4% |
2014 | 901.350.000 | 9.87% |
2015 | 967.497.000 | 6.84% |
2016 | 1.016.049.000 | 4.78% |
2017 | 1.053.225.000 | 3.53% |
2018 | 1.079.022.000 | 2.39% |
2019 | 1.225.855.000 | 11.98% |
2020 | 1.291.240.000 | 5.06% |
2021 | 1.431.959.000 | 9.83% |
2022 | 1.536.398.000 | 6.8% |
2023 | 1.611.320.000 | 4.65% |
2023 | 1.570.665.000 | -2.59% |
2024 | 1.627.984.000 | 3.52% |
Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.
Year | Net Profit | Growth |
---|---|---|
2002 | 61.000.000 | |
2005 | 17.104.000 | -256.64% |
2006 | 39.772.000 | 56.99% |
2007 | 56.423.000 | 29.51% |
2008 | 125.141.000 | 54.91% |
2009 | 127.301.000 | 1.7% |
2010 | 142.181.000 | 10.47% |
2011 | 184.294.000 | 22.85% |
2012 | 184.590.000 | 0.16% |
2013 | 235.051.000 | 21.47% |
2014 | 192.171.000 | -22.31% |
2015 | 239.817.000 | 19.87% |
2016 | 267.547.000 | 10.36% |
2017 | 260.841.000 | -2.57% |
2018 | 281.258.000 | 7.26% |
2019 | 304.881.000 | 7.75% |
2020 | 308.276.000 | 1.1% |
2021 | 369.448.000 | 16.56% |
2022 | 353.404.000 | -4.54% |
2023 | 470.372.000 | 24.87% |
2023 | 631.255.000 | 25.49% |
2024 | 487.960.000 | -29.37% |
EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.
Year | Earning per Share (EPS) | Growth |
---|---|---|
2002 | 1 | |
2005 | 0 | 0% |
2006 | -27 | 100% |
2007 | 0 | 0% |
2008 | 1 | 0% |
2009 | 1 | 0% |
2010 | 1 | 0% |
2011 | 1 | 0% |
2012 | 1 | 0% |
2013 | 1 | 100% |
2014 | 1 | 0% |
2015 | 1 | 100% |
2016 | 1 | 0% |
2017 | 1 | 0% |
2018 | 1 | 0% |
2019 | 2 | 0% |
2020 | 2 | 0% |
2021 | 2 | 0% |
2022 | 2 | 0% |
2023 | 3 | 50% |
2023 | 3 | 33.33% |
2024 | 3 | -50% |
Cashflow Statements
Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.
Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.
Year | Free Cashflow | Growth |
---|---|---|
2005 | 68.319.000 | |
2006 | -42.649.000 | 260.19% |
2007 | 84.091.000 | 150.72% |
2008 | 141.799.000 | 40.7% |
2009 | 105.629.000 | -34.24% |
2010 | 107.927.000 | 2.13% |
2011 | 230.836.000 | 53.25% |
2012 | 227.323.000 | -1.55% |
2013 | 262.725.000 | 13.47% |
2014 | 209.261.000 | -25.55% |
2015 | 265.268.000 | 21.11% |
2016 | 257.000.000 | -3.22% |
2017 | 285.406.000 | 9.95% |
2018 | 179.094.000 | -59.36% |
2019 | 319.127.000 | 43.88% |
2020 | 503.937.000 | 36.67% |
2021 | 637.033.000 | 20.89% |
2022 | 389.281.000 | -63.64% |
2023 | 147.363.000 | -164.16% |
2023 | 432.035.000 | 65.89% |
2024 | 189.410.000 | -128.1% |
Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.
Year | Operating Cashflow | Growth |
---|---|---|
2005 | 106.734.000 | |
2006 | 36.568.000 | -191.88% |
2007 | 149.987.000 | 75.62% |
2008 | 211.235.000 | 29% |
2009 | 158.169.000 | -33.55% |
2010 | 163.098.000 | 3.02% |
2011 | 266.612.000 | 38.83% |
2012 | 310.660.000 | 14.18% |
2013 | 311.604.000 | 0.3% |
2014 | 271.838.000 | -14.63% |
2015 | 327.441.000 | 16.98% |
2016 | 345.772.000 | 5.3% |
2017 | 359.078.000 | 3.71% |
2018 | 339.511.000 | -5.76% |
2019 | 427.888.000 | 20.65% |
2020 | 584.308.000 | 26.77% |
2021 | 694.281.000 | 15.84% |
2022 | 443.670.000 | -56.49% |
2023 | 161.524.000 | -174.68% |
2023 | 490.812.000 | 67.09% |
2024 | 209.274.000 | -134.53% |
Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.
Year | Capital Expenditure | Growth |
---|---|---|
2005 | 38.415.000 | |
2006 | 79.217.000 | 51.51% |
2007 | 65.896.000 | -20.22% |
2008 | 69.436.000 | 5.1% |
2009 | 52.540.000 | -32.16% |
2010 | 55.171.000 | 4.77% |
2011 | 35.776.000 | -54.21% |
2012 | 83.337.000 | 57.07% |
2013 | 48.879.000 | -70.5% |
2014 | 62.577.000 | 21.89% |
2015 | 62.173.000 | -0.65% |
2016 | 88.772.000 | 29.96% |
2017 | 73.672.000 | -20.5% |
2018 | 160.417.000 | 54.07% |
2019 | 108.761.000 | -47.49% |
2020 | 80.371.000 | -35.32% |
2021 | 57.248.000 | -40.39% |
2022 | 54.389.000 | -5.26% |
2023 | 14.161.000 | -284.08% |
2023 | 58.777.000 | 75.91% |
2024 | 19.864.000 | -195.9% |
Balance Sheet
Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.
Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.
Year | Equity | Growth |
---|---|---|
2002 | 192.900.000 | |
2005 | 591.971.000 | 67.41% |
2006 | 624.695.000 | 5.24% |
2007 | 1.253.795.000 | 50.18% |
2008 | 844.366.000 | -48.49% |
2009 | 1.199.747.000 | 29.62% |
2010 | 1.481.242.000 | 19% |
2011 | 1.435.683.000 | -3.17% |
2012 | 1.171.781.000 | -22.52% |
2013 | 1.324.068.000 | 11.5% |
2014 | 1.285.136.000 | -3.03% |
2015 | 1.304.356.000 | 1.47% |
2016 | 1.291.168.000 | -1.02% |
2017 | 1.428.794.000 | 9.63% |
2018 | 4.933.627.000 | 71.04% |
2019 | 1.689.171.000 | -192.07% |
2020 | 1.834.229.000 | 7.91% |
2021 | 1.897.133.000 | 3.32% |
2022 | 1.826.158.000 | -3.89% |
2023 | 2.248.392.000 | 18.78% |
2023 | 2.009.453.000 | -11.89% |
2024 | 2.337.759.000 | 14.04% |
Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.
Year | Assets | Growth |
---|---|---|
2002 | 330.600.000 | |
2005 | 970.202.000 | 65.92% |
2006 | 1.081.292.000 | 10.27% |
2007 | 1.743.466.000 | 37.98% |
2008 | 1.696.326.000 | -2.78% |
2009 | 1.747.565.000 | 2.93% |
2010 | 1.893.461.000 | 7.71% |
2011 | 2.403.387.000 | 21.22% |
2012 | 2.605.927.000 | 7.77% |
2013 | 2.689.367.000 | 3.1% |
2014 | 2.742.537.000 | 1.94% |
2015 | 2.793.489.000 | 1.82% |
2016 | 2.885.879.000 | 3.2% |
2017 | 3.449.621.000 | 16.34% |
2018 | 3.529.445.000 | 2.26% |
2019 | 4.454.184.000 | 20.76% |
2020 | 4.873.513.000 | 8.6% |
2021 | 4.975.269.000 | 2.05% |
2022 | 4.588.814.000 | -8.42% |
2023 | 4.805.713.000 | 4.51% |
2023 | 4.598.773.000 | -4.5% |
2024 | 5.178.265.000 | 11.19% |
Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.
Year | Liabilities | Growth |
---|---|---|
2002 | 137.700.000 | |
2005 | 378.231.000 | 63.59% |
2006 | 456.597.000 | 17.16% |
2007 | 489.671.000 | 6.75% |
2008 | 851.960.000 | 42.52% |
2009 | 547.818.000 | -55.52% |
2010 | 412.219.000 | -32.89% |
2011 | 967.704.000 | 57.4% |
2012 | 1.434.146.000 | 32.52% |
2013 | 1.365.299.000 | -5.04% |
2014 | 1.457.401.000 | 6.32% |
2015 | 1.489.133.000 | 2.13% |
2016 | 1.599.231.000 | 6.88% |
2017 | 2.025.577.000 | 21.05% |
2018 | 2.125.263.000 | 4.69% |
2019 | 2.765.013.000 | 23.14% |
2020 | 3.039.284.000 | 9.02% |
2021 | 3.078.136.000 | 1.26% |
2022 | 2.762.656.000 | -11.42% |
2023 | 2.557.321.000 | -8.03% |
2023 | 2.589.320.000 | 1.24% |
2024 | 2.840.506.000 | 8.84% |
Genpact Limited Financial Ratio (TTM)
Valuation Metrics
- Revenue per Share
- 25.54
- Net Income per Share
- 3.61
- Price to Earning Ratio
- 10.79x
- Price To Sales Ratio
- 1.51x
- POCF Ratio
- 13.02
- PFCF Ratio
- 15.09
- Price to Book Ratio
- 2.99
- EV to Sales
- 1.72
- EV Over EBITDA
- 11.37
- EV to Operating CashFlow
- 14.7
- EV to FreeCashFlow
- 17.18
- Earnings Yield
- 0.09
- FreeCashFlow Yield
- 0.07
- Market Cap
- 6,93 Bil.
- Enterprise Value
- 7,89 Bil.
- Graham Number
- 32.49
- Graham NetNet
- -5.79
Income Statement Metrics
- Net Income per Share
- 3.61
- Income Quality
- 0.83
- ROE
- 0.29
- Return On Assets
- 0.13
- Return On Capital Employed
- 0.16
- Net Income per EBT
- 1.02
- EBT Per Ebit
- 0.98
- Ebit per Revenue
- 0.14
- Effective Tax Rate
- -0.02
Margins
- Sales, General, & Administrative to Revenue
- 0
- Research & Developement to Revenue
- 0
- Stock Based Compensation to Revenue
- 0.02
- Gross Profit Margin
- 0.35
- Operating Profit Margin
- 0.14
- Pretax Profit Margin
- 0.14
- Net Profit Margin
- 0.14
Dividends
- Dividend Yield
- 0.02
- Dividend Yield %
- 1.53
- Payout Ratio
- 0.16
- Dividend Per Share
- 0.6
Operating Metrics
- Operating Cashflow per Share
- 2.99
- Free CashFlow per Share
- 2.56
- Capex to Operating CashFlow
- 0.14
- Capex to Revenue
- 0.02
- Capex to Depreciation
- 0.86
- Return on Invested Capital
- 0.16
- Return on Tangible Assets
- 0.19
- Days Sales Outstanding
- 94.04
- Days Payables Outstanding
- 3.48
- Days of Inventory on Hand
- 0
- Receivables Turnover
- 3.88
- Payables Turnover
- 104.95
- Inventory Turnover
- 0
- Capex per Share
- 0.43
Balance Sheet
- Cash per Share
- 5,09
- Book Value per Share
- 13,01
- Tangible Book Value per Share
- 3.45
- Shareholders Equity per Share
- 13.01
- Interest Debt per Share
- 9.63
- Debt to Equity
- 0.72
- Debt to Assets
- 0.33
- Net Debt to EBITDA
- 1.38
- Current Ratio
- 1.89
- Tangible Asset Value
- 0,62 Bil.
- Net Current Asset Value
- -0,57 Bil.
- Invested Capital
- 3180263000
- Working Capital
- 1,07 Bil.
- Intangibles to Total Assets
- 0.33
- Average Receivables
- 1,18 Bil.
- Average Payables
- 0,03 Bil.
- Average Inventory
- 0.5
- Debt to Market Cap
- 0.24
Dividends
Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.
Year | Dividends | Growth |
---|---|---|
2010 | 0 | |
2012 | 2 | 100% |
2017 | 0 | 0% |
2018 | 0 | 0% |
2019 | 0 | 0% |
2020 | 0 | 0% |
2021 | 0 | 0% |
2022 | 1 | 0% |
2023 | 1 | 0% |
2024 | 0 | 0% |
Genpact Limited Profile
About Genpact Limited
Genpact Limited provides business process outsourcing and information technology (IT) services in India, rest of Asia, North and Latin America, and Europe. It operates through three segments: Banking, Capital Markets and Insurance; Consumer Goods, Retail, Life Sciences and Healthcare; and High Tech, Manufacturing and Services. The company offers CFO advisory services; and environmental, social, and governance (ESG) services, such as data management, carbon accounting, human rights assessment, sustainability diligence, and ESG reporting. It also provides finance and accounting services, which include accounts payable, such as document management, invoice processing, approval and resolution management, and travel and expense processing; invoice-to-cash services, including customer master data management, credit and contract management, fulfillment, billing, collections, and dispute management services; record to report services comprising accounting, treasury, tax, product cost accounting, and closing and reporting services; financial planning and analysis consisting of budgeting, forecasting, and business performance reporting; and enterprise risk and compliance services, including operational risks and controls. In addition, the company provides supply chain advisory services, and after-sales services; sourcing and procurement services comprising direct and indirect strategic sourcing, category management, spend analytics, procurement operation, and master data management; and sales and commercial services, including campaign, order, and dispute management, lead generation, pricing, and promotion optimization. Further, it offers IT services, which comprise end-user computing support, infrastructure management, application production support, and database management services; and transformation services that include digital solutions, consulting services, and analytics services and solutions. The company was founded in 1997 and is based in Hamilton, Bermuda.
- CEO
- Mr. Balkrishan Kalra
- Employee
- 135.200
- Address
-
Canon's, Court
Hamilton, HM 12
Genpact Limited Executives & BODs
# | Name | Age |
---|---|---|
1 |
Ms. Heather D. White Senior Vice President, Chief Legal Officer & Corporate Secretary |
70 |
2 |
Mr. Ezra Baylin Head of Corporate Development and Mergers & Acquisitions |
70 |
3 |
Ms. Krista B. Bessinger Head of Investor Relations |
70 |
4 |
Ms. Caitlin Blewett Chief Marketing Officer |
70 |
5 |
Mr. Balkrishan Kalra Chief Executive Officer, President & Director |
70 |
6 |
Mr. Michael Hal Weiner C.F.A. Senior Vice President & Chief Financial Officer |
70 |
7 |
Mr. Piyush Mehta Senior Vice President, Chief HR Officer & Country Manager of India |
70 |
8 |
Mr. Vipin Gairola Global Operating Officer |
70 |
9 |
Donald J. Klunk Chief Accounting Officer |
70 |
10 |
Ms. Vidya Rao Chief Technology and Transformation Officer |
70 |