XTM Inc is a fintech company. The company provides necessary support systems including mobile and web applications and ancillary banking services. Its product includes Issuing Cards; Pre-Authorized Debit; Direct Deposit Accounts; Digital Banking; Visa Direct/Mastercard Send; ACH/EFT transfers and Reverse ATM. The company serves Hospitality and Salons; Payroll; Government Payouts companies. Its revenues are primarily generated from financial service fees charged to cardholders and merchants accepting the cards for payment. Revenue from financial services is generated from multiple sources including transaction fees, cardholder fees, load fees, and interchange fees.

Financial Strength

2/10

Name	Current	Vs Industry
Cash-To-Debt	0.13
Equity-to-Asset	-0.03
Debt-to-Equity	-1.87
Debt-to-EBITDA	-0.38
Piotroski F-Score	3/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	-0.97	Distress Grey Safe
Beneish M-Score	-0.28	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	40.9
	3-Year EBITDA Growth Rate	-27
	3-Year EPS without NRI Growth Rate	-20.3
	3-Year FCF Growth Rate	-35.7
	3-Year Book Growth Rate	-6.7

Momentum Rank

6/10

	Name	Current	Vs Industry		Vs History
	5-Day RSI	30.26
	9-Day RSI	37.71
	14-Day RSI	41.92
	6-1 Month Momentum %	75
	12-1 Month Momentum %	25

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.84
	Quick Ratio	0.83
	Cash Ratio	0.01
	Days Inventory	36.67
	Days Sales Outstanding	26.51
	Days Payable	243.13

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-24.9
	Shareholder Yield %	-2.81

Profitability Rank

1/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	9.65
	Operating Margin %	-163.38
	Net Margin %	-199
	FCF Margin %	-133.38
	ROE %	-612.5
	ROA %	-15.64
	ROIC %	-13.13
	ROC (Joel Greenblatt) %	-2778.52
	ROCE %	-397.02

GF Value Rank

	Name	Current	Vs Industry		Vs History
	PS Ratio	6.8
	EV-to-EBIT	-3.68
	EV-to-EBITDA	-3.89
	EV-to-Revenue	7.28
	EV-to-FCF	-6.13
	Earnings Yield (Greenblatt) %	-27.16
	FCF Yield %	-20.01

Financials

Annual Quarterly TTM

XCNQ:PAID's 30-Y Financials

AAPL

Income Statement Breakdown

Annual Quarterly

No Enough Data

AAPL

Balance Sheet Breakdown

Annual Quarterly

No Enough Data

AAPL

Cashflow Statement Breakdown

Annual Quarterly

No Enough Data

Historical Operating Revenue by Business Segment

Value % YoY

Historical Operating Revenue by Geographic Region

Value % YoY

See Details

5-Step DuPont Analysis as of

Annual Quarterly

No Enough Data

Guru Trades

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Insider Trades

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Peter Lynch Chart

Y-axis scale:

Log Linear

Interactive Chart

Performance

Dividend

Log

Bar

Annualized Return %

Symbol	1 Week	1 Month	3 Months	6 Months	YTD	1 Year	3 Years	5 Years	10 Years

Total Annual Return %

Symbol	2024	2023	2022	2021	2020	2019	2018	2017	2016	2015

XTM Inc Executives

Details

GF Value: C$0.4

XCNQ:PAID

Valuation Chart

Year:

Warning Signs

Warning! GuruFocus detected 4 Severe warning signs with PAID. Try a 7-Day Free Trial to check it out.

Analyst Estimate

Annual Quarterly

Key Statistics

	Name	Value
	Revenue (TTM) (Mil C$)	4.506
	EPS (TTM) (C$)	-0.05
	Beta	1.01
	Volatility %	100.34
	14-Day RSI	41.92
	14-Day ATR (C$)	0.010359
	20-Day SMA (C$)	0.1645
	12-1 Month Momentum %	25
	52-Week Range (C$)	0.05 - 0.23
	Shares Outstanding (Mil)	200.2

Piotroski F-Score Details

Year:

	Component	Result
	Piotroski F-Score	3
	Positive ROA
	Positive CFROA
	Higher ROA yoy
	CFROA > ROA
	Lower Leverage yoy
	Higher Current Ratio yoy
	Less Shares Outstanding yoy
	Higher Gross Margin yoy
	Higher Asset Turnover yoy

XTM Inc Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

XTM Inc Stock Events

Financials Calendars

	Event	Date	Price(C$)
No Event Data

XTM Inc Frequently Asked Questions

What is XTM Inc(XCNQ:PAID)'s stock price today?

The current price of XCNQ:PAID is C$0.15. The 52 week high of XCNQ:PAID is C$0.23 and 52 week low is C$0.05.

When is next earnings date of XTM Inc(XCNQ:PAID)?

The next earnings date of XTM Inc(XCNQ:PAID) is .

Does XTM Inc(XCNQ:PAID) pay dividends? If so, how much?

XTM Inc(XCNQ:PAID) does not pay dividend.

Press Release

	Subject	Date
No Press Release

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