XTM (PAID) AI Stock Analysis

• Market Cap: C$10.55M
• Dividend Yield: N/A
• Average Volume (3M): 117.66K
• Price to Earnings (P/E): ―
• Beta (1Y): -1.47
• Revenue Growth: 34.05%
• EPS Growth: -58.84%
• Country: CA
• Employees: N/A
• Sector: Technology
• Sector Strength: 65
• Industry: Information Technology Services
• EPS (TTM): -0.11
• Shares Outstanding: 210,926,940
• 10 Day Avg. Volume: 183,706
• 30 Day Avg. Volume: 117,662
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 0.00
• P/FCF Ratio: 0.00
• 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: N/A
• Number of Analyst Covering: 0

The overall stock score of 38 reflects XTM's significant financial distress, highlighted by negative profitability and high financial risk. While there are some short-term positive signals in technical analysis, the lack of earnings and dividend yield detracts from the stock's valuation appeal.

XTM Business Overview & Revenue Model

Company Description

XTM (PAID) is a financial technology company specializing in providing payment solutions and mobile banking services. The company focuses on delivering innovative, secure, and user-friendly digital payment methods primarily targeting the hospitality, restaurant, and service industries. XTM's core products include digital wallet platforms, prepaid card solutions, and payment processing services designed to streamline financial transactions for businesses and their employees.

How the Company Makes Money

XTM makes money through a diversified revenue model that includes transaction fees, subscription fees, and service charges. The company earns transaction fees by facilitating payments and money transfers through its digital wallet and prepaid card solutions. Businesses utilizing XTM's platforms often pay a subscription fee for access to premium features and services. Additionally, XTM may charge service fees for value-added services such as real-time payment processing and customized financial solutions. Partnerships with banks, payment processors, and businesses in the hospitality sector further contribute to its revenue by expanding its user base and service offerings.

XTM Financial Statement Overview

Summary

XTM is currently facing significant financial challenges, with a negative EBIT and EBITDA margins, high leverage, and negative equity indicating potential insolvency risks. While there is a positive revenue growth trend, the company's cash flow issues and consistent losses require strategic interventions.

Income Statement

XTM's income statement shows significant challenges with negative EBIT and EBITDA margins indicating operational inefficiencies. The net profit margin is also negative, reflecting continued losses. However, there is a positive revenue growth trend from 2023 to TTM, signaling potential market expansion or increased sales efforts.

Balance Sheet

The balance sheet presents a weak financial position with negative stockholders' equity, indicating insolvency risks. The substantial increase in total debt raises concerns about leverage. ROE cannot be calculated due to negative equity, and the equity ratio is negative, reflecting high financial risk.

Cash Flow

Cash flow analysis reveals negative operating and free cash flows, indicating cash burn issues. The operating cash flow to net income ratio is negative, suggesting poor cash generation from operations. Despite these issues, there is a moderate cash influx from financing activities, possibly easing cash constraints temporarily.

Breakdown
Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
6.78M	4.73M	2.38M	853.17K	863.29K
	Gross Profit
219.29K	930.41K	755.16K	82.51K	211.20K
	EBIT
-16.08M	-6.90M	-4.63M	-3.37M	-1.94M
	EBITDA
-14.81M	-7.04M	-5.07M	-3.20M	-1.77M
	Net Income Common Stockholders
-16.08M	-7.27M	-4.95M	-3.83M	-2.01M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
94.10K	2.69M	8.38M	285.85K	2.47K
	Total Assets
63.55M	56.79M	37.00M	8.35M	5.15M
	Total Debt
2.89M	146.87K	236.94K	589.53K	282.84K
	Net Debt
2.80M	-2.54M	-8.15M	303.68K	280.38K
	Total Liabilities
70.88M	54.60M	27.36M	7.50M	3.76M
	Stockholders Equity
-7.33M	2.19M	9.64M	843.24K	1.40M
Cash Flow		Free Cash Flow
-10.09M	-5.94M	-4.45M	-2.66M	-1.21M
	Operating Cash Flow
-1.47M	-5.86M	-4.38M	-2.48M	-1.16M
	Investing Cash Flow
-10.62M	-83.22K	-71.77K	-181.98K	-48.60K
	Financing Cash Flow
9.20M	271.63K	12.55M	2.94M	841.49K

XTM Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 0.05
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:PAID, the sentiment is Neutral. The current price of 0.05 is above the 20-day moving average (MA) of 0.04, above the 50-day MA of 0.05, and below the 200-day MA of 0.08, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 52.49 is Neutral, neither overbought nor oversold. The STOCH value of 62.22 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TSE:PAID.

XTM Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PAY	77 Outperform	$192.32M	9.95	22.19%	―	26.40%	71.37%
SHOP	75 Outperform	$167.34B	59.88	16.15%	―	30.60%	―
LSPD	63 Neutral	C$2.05B	―	-5.18%	―	23.95%	39.68%
Sector *	60 Neutral	$10.96B	10.28	-6.73%	2.97%	7.74%	-12.45%
PAID	38 Underperform	C$10.55M	―	99.64%	―	34.05%	-58.84%

XTM Corporate Events

XTM Partners with KOHO to Boost Financial Services

XTM Inc. has signed an exclusive referral agreement with KOHO Financial Inc. to enhance financial services for its over 100,000 AnyDay members, aiming for cash flow neutrality by mid-2025. This partnership will allow AnyDay members to access various financial tools through the KOHO app, benefiting from features such as unlimited e-transfers and cash-back offers. The collaboration is set to help XTM improve its financial standing and focus on expanding its earned wage access offerings in Canada.