XTM Inc. Reports Revenue Growth and Strategic Shift in Q3 2025

XTM ( (TSE:PAID) ) just unveiled an update.

XTM Inc. reported a 19% increase in year-to-date revenue and a 25% reduction in net operating loss for Q3 2025. The company has transitioned to a capital-light, profit-sharing model through a Management Services Agreement with Everyday People Financial Corp., which will manage XTM’s Canadian card and digital wallet programs. This strategic shift is expected to reduce costs and enhance operational efficiency. Additionally, XTM is focusing on expanding its U.S. market presence by pursuing contracts for Earned Wage Access and Early Tip Disbursement services, driven by favorable tax legislation.

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 facilitates instant access to earnings for workers and contractors via 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.