Clip Money Inc. (CLIP) AI Stock Analysis

• Market Cap: C$26.35M
• Dividend Yield: N/A
• Average Volume (3M): 34.97K
• Price to Earnings (P/E): ―
• Beta (1Y): 1.54
• Revenue Growth: 245.98%
• EPS Growth: 9.70%
• Country: CA
• Employees: N/A
• Sector: Services
• Sector Strength: N/A
• Industry: Software - Infrastructure
• EPS (TTM): -0.03
• Shares Outstanding: 105,380,860
• 10 Day Avg. Volume: 10,066
• 30 Day Avg. Volume: 34,970
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 41 Neutral
• Price Target: C$0.00 ▼(-100.00% Downside)

The overall stock score is primarily impacted by the company's financial performance, which shows strong revenue growth but significant challenges in profitability and financial stability. Technical analysis indicates a bearish trend with potential oversold conditions, while valuation metrics highlight the company's unprofitability and lack of dividend yield.

Clip Money Inc. Business Overview & Revenue Model

Company Description

Clip Money Inc., a financial technology company, provides deposit network services to businesses and financial institutions in North America. The company offers Clip Drop Platform, an end-to-end system that includes user registration, location services, compliance and know your business (KYB), bar code and RFID tracking of deposit bags, and secure processing of deposits through ACH payment processing. Its platform also enhances the transaction experience while accelerating business cash flows, improving management transparency, and reducing shrinkage. In addition, the company offers cash pickup service, businesses can deposit their cash through its ClipDrop Boxes located in retailers and shopping mall centers. Clip Money Inc. is based in Toronto, Canada.

How the Company Makes Money

Clip Money Inc. generates revenue through multiple streams, primarily by charging transaction fees for its payment processing services. Each time a transaction is processed through its platform, the company earns a percentage of the transaction value. Additionally, Clip Money may offer subscription-based services for businesses that require advanced features or higher transaction limits. The company also monetizes its integrated financial management tools by providing premium features that enhance business analytics and cash flow management. Key partnerships with financial institutions and payment networks further bolster its revenue, as these collaborations can lead to increased transaction volumes and expanded market reach.

Clip Money Inc. Financial Statement Overview

Summary

Clip Money Inc. shows strong revenue growth of 31.7% TTM, but faces significant challenges with negative margins and high leverage. The negative stockholders' equity and operating cash flow highlight financial instability, necessitating strategic improvements.

Income Statement

Clip Money Inc. shows a significant revenue growth rate of 31.7% TTM, indicating strong top-line expansion. However, the company struggles with negative margins across the board, including a gross profit margin of -22.4% and a net profit margin of -303.97% TTM, reflecting substantial operational inefficiencies and high costs relative to revenue.

Balance Sheet

The balance sheet reveals a concerning financial structure with a negative stockholders' equity of -$12.5 million TTM, leading to a negative debt-to-equity ratio of -1.72. This indicates high leverage and potential solvency issues. Return on equity is positive at 132.31% TTM, but this is due to negative equity, which distorts the metric.

Cash Flow

Cash flow analysis shows a negative operating cash flow of -$3.8 million TTM, with a free cash flow to net income ratio of 1.10, suggesting that the company is generating cash relative to its net losses. However, the free cash flow growth rate is negative at -12.38% TTM, indicating declining cash generation capabilities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	4.00M	2.36M	577.92K	27.69K	―	181.00
Gross Profit	-148.96K	-1.09M	-1.94M	-1.24M	―	-731.09K
EBITDA	-4.43M	-5.32M	-6.48M	-9.65M	―	-1.69M
Net Income	-8.91M	-9.34M	-9.32M	-12.14M	―	-2.54M
Balance Sheet
Total Assets	9.00M	13.78M	13.86M	9.86M	7.80M	5.34M
Cash, Cash Equivalents and Short-Term Investments	1.70M	2.00M	6.15M	1.48M	962.49K	3.16M
Total Debt	18.88M	15.68M	11.81M	6.23M	0.00	103.09K
Total Liabilities	21.52M	25.19M	13.01M	7.80M	7.36M	428.00K
Stockholders Equity	-12.52M	-7.94M	848.19K	2.06M	437.66K	4.91M
Cash Flow
Free Cash Flow	-4.22M	-7.49M	-7.35M	-6.54M	―	-113.25K
Operating Cash Flow	-3.79M	-7.32M	-6.68M	-4.87M	―	-82.51K
Investing Cash Flow	-414.17K	-699.27K	-898.42K	-1.68M	―	-1.57M
Financing Cash Flow	3.60M	1.73M	12.10M	7.05M	1.64M	2.75M

Clip Money Inc. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.21
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:CLIP, the sentiment is Negative. The current price of 0.21 is below the 20-day moving average (MA) of 0.24, below the 50-day MA of 0.26, and below the 200-day MA of 0.22, indicating a bearish trend. The MACD of -0.01 indicates Positive momentum. The RSI at 36.66 is Neutral, neither overbought nor oversold. The STOCH value of >-0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:CLIP.

Clip Money Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	$13.29B	17.42	10.03%	0.93%	7.13%	-12.93%
MOGO	―	$52.69M	13.23	5.07%	―	2.79%	―
CLIP	―	C$26.35M	―	―	―	245.98%	9.70%
NOW	―	C$30.60M	12.93	-10.10%	―	-13.50%	96.77%
PKK	―	C$8.13M	-0.11	-731.86%	―	-88.57%	65.84%

Clip Money Inc. Corporate Events

Clip Money Inc. Achieves 248% Revenue Growth in Q2 2025

Clip Money Inc. reported significant financial growth in the second quarter of 2025, with a 248% increase in revenue compared to the previous year, driven by new deposit users and product offerings. The company also expanded its U.S. business deposit network, adding over 4,000 new locations in partnership with Green Dot, and welcomed new strategic retailers to its customer base, strengthening its market position and operational efficiency.

The most recent analyst rating on (TSE:CLIP) stock is a Hold with a C$0.50 price target. To see the full list of analyst forecasts on Clip Money Inc. stock, see the TSE:CLIP Stock Forecast page.