XTM Inc. Reports Q3 2025 Financial Results and Strategic Transition

The latest update is out from XTM ( (TSE:PAID) ).

XTM Inc. has reported a 19% increase in year-to-date revenue and a 25% reduction in net operating loss for Q3 2025. The company has completed the sale of its processor assets, retaining essential EWA technology and client contracts, and is transitioning to a capital-light, profit-sharing business model through a Management Services Agreement with Everyday People Financial Corp. This strategic shift is expected to significantly reduce operating costs and enhance XTM’s focus on the U.S. market, where it is pursuing multiple contracts for its EWA and Early Tip Disbursement services.

The most recent analyst rating on (TSE:PAID) stock is a Sell with a C$0.02 price target. To see the full list of analyst forecasts on XTM stock, see the TSE:PAID Stock Forecast page.

Spark’s Take on TSE:PAID Stock

According to Spark, TipRanks’ AI Analyst, TSE:PAID is a Underperform.

The most significant factor affecting the score is the company’s financial performance, marked by strong revenue growth but significant challenges in profitability and financial stability. Technical analysis indicates a bearish trend, further weighing down the score. Valuation metrics are unfavorable due to negative earnings and lack of dividends, contributing to the low overall score.

To see Spark’s full report on TSE:PAID stock, click here.

More about XTM

XTM Inc. is a fintech company that provides real-time payment and earned wage access solutions. Its platform enables instant access to earnings for workers and contractors through digital wallets and prepaid cards, primarily serving the restaurant, hospitality, and gig-economy sectors across North America.

Average Trading Volume: 219,746

Technical Sentiment Signal: Sell

Current Market Cap: C$4.72M

Learn more about PAID stock on TipRanks’ Stock Analysis page.