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XTM (PAID) Price & Analysis
PAID Stock Chart & Stats
- Day’s Range
- CAD 0.01 - CAD 0.01
- 52-Week Range
- CAD 0.01 - CAD 0.05
- Previous Close
- CAD 0.01
- Volume
- 74.00K
- Average Volume (3M)
- 0
- Market Cap
- CAD 2.79M
- Enterprise Value
- -CAD 34.63M
- Total Cash (Recent Filing)
- CAD 52.90M
- Total Debt (Recent Filing)
- CAD 11.19M
- Price to Earnings (P/E)
- ―
- Beta
- 0.02
- Next Earnings
- Dec 02, 2026
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- N/A
Bulls Say, Bears Say
Bulls Say
Revenue Growth
Reported revenue growth of ~22.8% indicates expanding demand for the company's offerings. Durable top-line growth provides capacity to scale fixed-cost IT services, supports reinvestment in product and sales, and—if sustained—can materially shorten the path to break-even over a 2–6 month horizon.
Recent TTM Revenue Uptick
The trailing twelve-month revenue uptick signals recent stabilization or recovery in sales despite profitability pressures. This improvement suggests improving demand or execution; maintained TTM growth can help leverage fixed costs and translate incremental revenue into operational improvements over several months.
Industry Exposure
Operating in Information Technology Services provides structural demand from enterprise digitization and outsourcing trends. This sector exposure supports recurring contracts and scalability of services, offering a durable addressable market that can underpin long-term revenue growth if operational execution and margin recovery follow.
Bears Say
Negative Equity & High Leverage
The balance sheet shows negative shareholders' equity and high leverage, which materially limits financial flexibility. Over a multi-month horizon this raises refinancing and covenant risks, increases the likelihood of dilutive recapitalization or asset disposals, and constrains strategic investment options.
Persistent Negative Cash Flow
Consistent negative operating and free cash flow indicate the business cannot internally fund operations or growth. Continued cash burn forces reliance on external financing, reducing optionality and increasing liquidity risk over 2–6 months, which can interrupt execution and necessitate costly financing.
Negative And Declining Margins
Sustained negative net margins, declining EBIT/EBITDA and recent negative gross margins show core unit economics are unprofitable. Without structural margin improvement, revenue growth will not translate into sustainable earnings, making profitability recovery unlikely in the near-term absent major cost or pricing changes.
XTM News
PAID FAQ
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Company Description
XTM
XTM Inc. is a financial technology firm based in Toronto, Canada, that empowers service industry professionals, particularly those in hospitality and personal care, by providing immediate access to their earned wages and gratuities. Its flagship offering, the "Today Solution," is a tailored platform that includes a complimentary mobile application paired with a Visa or Mastercard debit card. This innovative system is designed for use by both business owners, such as restaurateurs and personal care service providers, and their employees. Established in 2005, the company was initially known as Extreme Corp Makeover Inc. before rebranding to XTM Inc. in October 2006.
- Sector
- Technology
- Industry
- Information Technology Services
- CEO
- Marilyn Schaffer
- Employees
- 0
- Website
- xtminc.com
- Address
- 67 Mowat Avenue, Toronto, ON, M6K 3E3, CA
XTM (PAID) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 4 | 3 | 12 |
| Technical Analysis | 2 | 2 | 3 |
| Moving Averages | 2 | 1 | 9 |






