Clip Money Inc. (CLIP) AI Stock Analysis

• Market Cap: C$26.35M
• Dividend Yield: N/A
• Average Volume (3M): 31.22K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.27
• Revenue Growth: 245.98%
• EPS Growth: 9.70%
• Country: CA
• Employees: N/A
• Sector: Financial
• Sector Strength: 78
• Industry: Software - Infrastructure
• EPS (TTM): -0.03
• Shares Outstanding: 105,380,860
• 10 Day Avg. Volume: 71,890
• 30 Day Avg. Volume: 31,219
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 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: C$0.50
• Price Target Upside: 100.00% Upside
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 51 Neutral
• Price Target: C$0.50 ▲(100.00% Upside)

Clip Money Inc.'s overall stock score is primarily influenced by its financial challenges, including negative profitability and high leverage. While technical indicators show short-term positive trends, the valuation remains unattractive due to ongoing losses. However, recent corporate events, such as strategic financings and revenue growth, provide a positive outlook, suggesting potential for future improvement.

Clip Money Inc. Business Overview & Revenue Model

Company Description

Clip Money Inc. (CLIP) is a financial technology company specializing in providing innovative payment solutions and financial services primarily aimed at small and medium-sized enterprises (SMEs). The company operates in the fintech sector, offering a platform that facilitates seamless transactions, payment processing, and cash management services. Clip Money's core products include digital wallets, payment gateways, and integrated financial management tools, designed to enhance operational efficiency for businesses and streamline their payment processes.

How the Company Makes Money

Clip Money Inc. generates revenue through multiple streams, primarily by charging transaction fees for its payment processing services. Each time a transaction is processed through its platform, the company earns a percentage of the transaction value. Additionally, Clip Money may offer subscription-based services for businesses that require advanced features or higher transaction limits. The company also monetizes its integrated financial management tools by providing premium features that enhance business analytics and cash flow management. Key partnerships with financial institutions and payment networks further bolster its revenue, as these collaborations can lead to increased transaction volumes and expanded market reach.

Clip Money Inc. Financial Statement Overview

Summary

Clip Money Inc. is facing significant financial challenges such as negative profitability, high leverage, and cash flow issues. Despite revenue growth, operational inefficiencies and substantial debt burdens are major hurdles.

Income Statement

Clip Money Inc. has experienced revenue growth over the past periods, with a significant increase from 2022 to TTM (Trailing-Twelve-Months). However, the company is operating with negative gross profit, indicating cost issues, and persistently negative net income, demonstrating ongoing profitability challenges. Margins are negative across the board, suggesting operational inefficiencies.

Balance Sheet

The balance sheet shows a negative stockholders' equity and a high debt level, resulting in a negative equity ratio and a concerning debt-to-equity ratio. These indicate financial instability and reliance on debt financing, which could pose significant risks. The return on equity is also negative, reflecting losses against shareholder investments.

Cash Flow

Cash flow analysis reveals negative operating and free cash flows, though there has been some improvement in free cash flow. The operating cash flow to net income ratio is negative, indicating cash flow issues from operations. Overall, cash management remains a challenge, but the company has maintained some financing inflows.

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.36M	577.92K	27.69K	―	181.00
Gross Profit	-1.09M	-1.94M	-1.24M	―	-731.09K
EBITDA	-5.32M	-6.48M	-9.65M	―	-1.69M
Net Income	-9.34M	-9.32M	-12.14M	―	-2.54M
Balance Sheet
Total Assets	9.59M	13.86M	9.86M	7.80M	5.34M
Cash, Cash Equivalents and Short-Term Investments	2.00M	6.15M	1.48M	962.49K	3.16M
Total Debt	15.68M	11.81M	6.23M	0.00	103.09K
Total Liabilities	17.52M	13.01M	7.80M	7.36M	428.00K
Stockholders Equity	-7.94M	848.19K	2.06M	437.66K	4.91M
Cash Flow
Free Cash Flow	-5.60M	-7.35M	-6.54M	―	-113.25K
Operating Cash Flow	-5.09M	-6.68M	-4.87M	―	-82.51K
Investing Cash Flow	-510.43K	-898.42K	-1.68M	―	-1.57M
Financing Cash Flow	1.26M	12.10M	7.05M	1.64M	2.75M

Clip Money Inc. Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 0.25
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:CLIP, the sentiment is Positive. The current price of 0.25 is above the 20-day moving average (MA) of 0.24, above the 50-day MA of 0.21, and above the 200-day MA of 0.22, indicating a bullish trend. The MACD of 0.01 indicates Negative momentum. The RSI at 55.23 is Neutral, neither overbought nor oversold. The STOCH value of 39.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:CLIP.

Clip Money Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$17.90B	11.86	10.29%	3.72%	9.74%	1.66%
NOW	56 Neutral	C$37.04M	12.93	-10.10%	―	-13.50%	96.77%
CLIP	51 Neutral	C$26.35M	―		―	245.98%	9.70%
FTRC	―	C$32.95M	―		―	―	―
PKK	36 Underperform	C$5.57M	―	-224.98%	―	-85.42%	51.62%
MOGO	―	$43.57M	14.46	5.07%	―	―	―
HRO	―	C$2.21M	―		―	―	―

Clip Money Inc. Corporate Events

Clip Money Inc. Secures US$4 Million Through Strategic Financings

Clip Money Inc. has successfully closed two non-brokered private placements, raising a total of US$4,000,000. The financings include a US$3,000,000 unsecured convertible note from Cardtronics Inc., Clip Money’s largest shareholder and strategic partner, and a US$1,000,000 equity financing from two company insiders. These transactions underscore Cardtronics’ confidence in Clip Money’s solutions and team, potentially strengthening the company’s market position and operational capabilities.

Clip Money Inc. Announces Successful Shareholder Meeting Results

Clip Money Inc. announced the results of its annual meeting of shareholders, where all five nominees for the board of directors were elected with near-unanimous support. Additionally, the appointment of MNP LLP as auditors and the re-approval of the company’s Amended and Restated Omnibus Equity Incentive Plan were overwhelmingly approved, indicating strong shareholder confidence in the company’s governance and strategic direction.

Clip Money Inc. Issues RSUs and Options to Recognize Performance

Clip Money Inc. announced the issuance of 965,000 restricted share units and 27,500 options to executives and employees as recognition for their 2024 performance. Additionally, 450,000 RSUs were granted to directors as compensation for their roles. These awards are part of the company’s equity incentive plan, aiming to enhance employee and director engagement and align interests with shareholders.

Clip Money Inc. Reports 225% Revenue Growth in Q1 2025 and Expands U.S. Network

Clip Money Inc. reported a significant revenue growth of 225% year-over-year in the first quarter of 2025, driven by an increase in new deposit users and new product offerings. The company is strategically expanding its U.S. business deposit network through a partnership with Green Dot, aiming to add over 4,000 deposit locations, which is expected to enhance its market position and value proposition to stakeholders.