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XBP Europe Holdings (XBP) AI Stock Analysis
XBP Europe Holdings
(NASDAQ:XBP)
The score is held back primarily by weak cash generation (deeply negative operating and free cash flow) and pressured operating performance (negative TTM EBIT), which outweigh strong recent revenue growth and improved leverage. Technicals also remain soft with the stock below key moving averages and negative MACD. Valuation looks optically cheap on P/E, but the profitability appears influenced by non-recurring/non-operating items, while recent corporate actions are modestly supportive.
XBP Europe Holdings (XBP) vs. SPDR S&P 500 ETF (SPY)
- Market Cap
- $31.07M
- Dividend Yield
- ―
- Average Volume (3M)
- 16.73K
- Price to Earnings (P/E)
- 0.0
- Beta (1Y)
- 0.16
- Revenue Growth
- 441.85%
- EPS Growth
- ―
- Country
- US
- Employees
- 9,200
- Sector
- Technology
- Sector Strength
- 61
- Industry
- Software - Infrastructure
XBP Europe Holdings Business Overview & Revenue Model
Company Description
XBP Global Holdings, Inc. is a pan-European firm specializing in comprehensive solutions for bills, payments, and associated services, aiming to facilitate the digital modernization of businesses. The company delivers business process management capa...
How the Company Makes Money
XBP makes money by charging customers for outsourced business process services related to document and communications management, typically under recurring service contracts and usage-based pricing tied to volumes and service levels. Key revenue stre...
XBP Europe Holdings Financial Statement Overview
Summary
Revenue growth is strong in the TTM period (+23.2%) and leverage improved materially with debt falling sharply versus 2025, but operating performance looks pressured (TTM EBIT negative) and earnings quality is a major concern given deeply negative operating and free cash flow despite unusually high reported net income.
Income Statement
62PositiveBalance Sheet
58NeutralCash Flow
29Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Mar 2024 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 804.50M | 791.04M | 142.77M | 155.18M | 180.49M | 205.95M |
| Gross Profit | 149.84M | 123.13M | 38.26M | 39.87M | 43.70M | 40.93M |
| EBITDA | 1.32B | 1.29B | 6.42M | 5.89M | 2.09M | -2.07M |
| Net Income | 1.09B | 1.10B | -12.37M | -11.05M | -7.93M | -12.73M |
Balance Sheet | ||||||
| Total Assets | 827.77M | 902.10M | 88.05M | 102.74M | 122.84M | 127.00M |
| Cash, Cash Equivalents and Short-Term Investments | 18.58M | 37.11M | 12.10M | 6.54M | 7.47M | 2.91M |
| Total Debt | 414.53M | 431.19M | 35.39M | 23.63M | 37.75M | 45.86M |
| Total Liabilities | 781.30M | 814.76M | 109.39M | 115.31M | 149.77M | 153.53M |
| Stockholders Equity | 46.46M | 87.34M | -21.35M | -12.57M | -26.93M | -26.53M |
Cash Flow | ||||||
| Free Cash Flow | -171.57M | -150.59M | -6.49M | -3.87M | 3.52M | -4.95M |
| Operating Cash Flow | -160.45M | -141.71M | -5.23M | -1.53M | 9.89M | -3.04M |
| Investing Cash Flow | -10.22M | -9.03M | -1.71M | -2.67M | -6.37M | 1.15M |
| Financing Cash Flow | 144.54M | 158.37M | 12.45M | -305.00K | -1.33M | -4.62M |
XBP Europe Holdings Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For XBP, the sentiment is Negative. The current price of 2.82 is below the 20-day moving average (MA) of 3.01, below the 50-day MA of 3.03, and below the 200-day MA of 3.83, indicating a bearish trend. The MACD of -0.08 indicates Positive momentum. The RSI at 36.91 is Neutral, neither overbought nor oversold. The STOCH value of 40.51 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for XBP.
XBP Europe Holdings Risk Analysis
XBP Europe Holdings disclosed 35 risk factors in its most recent earnings report. XBP Europe Holdings reported the most risks in the "Finance & Corporate" category.
Latest Risks Added
0 New RisksXBP Europe Holdings Peers Comparison
Overall Rating
JG67Neutral
KPLT58Neutral- XBP53Neutral
SOS40Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| JG | 67Neutral | $39.23M | 44.28 | 9.31% | ― | 14.88% | ― |
| Sector * | 61Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% |
| KPLT | 58Neutral | $880.73M | 6.97 | -39.38% | ― | 12.96% | ― |
| XBP | 53Neutral | $37.37M | 0.03 | 1328.38% | ― | 441.85% | ― |
| SOS | 40Underperform | $7.67M | -0.03 | -28.73% | ― | -56.42% | -36185.93% |
* Technology Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| XBP | Xbp Europe Holdings Inc. | 2.64 | -3.86 | -59.38% | |
| SOS | Sos Limited | 0.19 | -1.46 | -88.38% | |
| JG | Aurora Mobile | 6.54 | -0.63 | -8.79% | |
| KPLT | Katapult Holdings, Inc. | 10.38 | -1.36 | -11.58% |
XBP Europe Holdings Corporate Events
XBP Europe Announces Planned Board Leadership Transition
PositiveOn October 20, 2026, XBP Global Holdings, Inc. announced that Chairman of the Board Par Chadha has notified the company he will not stand for re-election at the next annual meeting of stockholders, although he will remain in his role as chairman and...
XBP Europe Announces Insider-Backed Private Stock Placement
PositiveOn September 11, 2026, XBP Global Holdings entered into securities purchase agreements with accredited investors to conduct a private placement of 2,275,245 shares of common stock, raising approximately $6.05 million in gross proceeds at a weighted p...
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.
Date of analysis: Oct 26, 2026