XTM (PAID) AI Stock Analysis

• Market Cap: C$7.08M
• Dividend Yield: N/A
• Average Volume (3M): 134.27K
• Price to Earnings (P/E): ―
• Beta (1Y): -1.07
• Revenue Growth: 30.97%
• EPS Growth: 18.42%
• Country: CA
• Employees: N/A
• Sector: Technology
• Sector Strength: 88
• Industry: Information Technology Services
• EPS (TTM): -0.01
• Shares Outstanding: 235,861,040
• 10 Day Avg. Volume: 221,529
• 30 Day Avg. Volume: 134,270
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: Hold
• Number of Analyst Covering: 1

• Rating: 41 Neutral
• Price Target: C$0.00 ▼(-100.00% Downside)

The overall stock score is primarily influenced by the company's financial performance, which is hindered by significant profitability challenges and financial instability. Technical analysis suggests a bearish trend, and the valuation is unattractive due to negative earnings. The lack of earnings call and corporate events data means these factors do not influence the score.

XTM Business Overview & Revenue Model

Company Description

XTM Inc., a fintech innovator, provides disseminating earned wages and gratuities access to service workers in the hospitality and personal care space. It offers Today Solution, a bespoke solution that consists of free mobile app and a visa or Mastercard debit card for restaurateurs and personal care services operators and their staff. The company was formerly known as Extreme Corp Makeover Inc. and changed its name to XTM Inc. in October 2006. XTM Inc. was incorporated in 2005 and is headquartered in Toronto, Canada.

How the Company Makes Money

XTM (PAID) generates revenue primarily through transaction fees associated with its digital payment and mobile banking services. When users or businesses utilize its payment platforms, XTM charges a percentage of each transaction as a processing fee. Additionally, the company may earn income from subscription or service fees for premium features or account management tools offered to business clients. Strategic partnerships with banks, financial institutions, and other fintech companies also contribute to its earnings by expanding its service reach and enhancing product offerings. The company may also explore advertising opportunities within its digital platforms to diversify its revenue streams.

XTM Financial Statement Overview

Summary

Despite significant revenue growth, the company struggles with profitability, operating at a loss with negative EBIT and net income margins. The high debt-to-equity ratio and negative stockholders' equity indicate financial instability, while negative cash flows highlight reliance on external financing.

Income Statement

The company has shown significant revenue growth over the years, with an annual increase from 2019 to 2024. However, it continues to operate at a loss, with negative EBIT and net income margins. These negative margins indicate challenges in achieving profitability despite revenue growth.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio, exacerbated by negative stockholders' equity, indicating potential financial instability. The equity ratio is negative due to liabilities exceeding assets, suggesting financial distress and potential risk for creditors.

Cash Flow

The company has a negative free cash flow and operating cash flow, indicating challenges in generating cash from operations. The financing cash flow is positive, suggesting reliance on external financing to sustain operations. This reliance on external funding poses risks if capital becomes scarce.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	10.01M	9.09M	6.78M	4.73M	2.38M	853.17K
Gross Profit	672.03K	96.17K	219.29K	930.41K	755.16K	82.51K
EBITDA	-17.97M	-19.77M	-14.81M	-7.04M	-5.07M	-3.20M
Net Income	-21.45M	-22.94M	-16.08M	-7.27M	-4.95M	-3.83M
Balance Sheet
Total Assets	59.74M	77.18M	63.55M	56.79M	37.00M	8.35M
Cash, Cash Equivalents and Short-Term Investments	127.67K	64.13K	94.10K	2.69M	8.38M	285.85K
Total Debt	11.20M	16.67M	2.89M	146.87K	236.94K	589.53K
Total Liabilities	92.17M	106.26M	70.88M	54.60M	27.36M	7.50M
Stockholders Equity	-32.43M	-29.08M	-7.33M	2.19M	9.64M	843.24K
Cash Flow
Free Cash Flow	664.05K	-10.27M	-10.09M	-5.94M	-4.45M	-2.66M
Operating Cash Flow	670.43K	-9.57M	-1.47M	-5.86M	-4.38M	-2.48M
Investing Cash Flow	680.30K	-693.76K	-10.62M	-83.22K	-71.77K	-181.98K
Financing Cash Flow	-1.87M	10.32M	9.20M	271.63K	12.55M	2.94M

XTM Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.03
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 Negative. The current price of 0.03 is below the 20-day moving average (MA) of 0.04, below the 50-day MA of 0.04, and below the 200-day MA of 0.05, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 38.35 is Neutral, neither overbought nor oversold. The STOCH value of 55.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:PAID.

XTM Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
VIS	45 Neutral	C$5.17M	-4.35	-302.05%	―	-15.33%	47.13%
PBIT	45 Neutral	C$11.35M	-2.06	-1245.56%	―	-50.75%	66.00%
NERD	41 Neutral	C$2.68M	-4.48	―	―	5.24%	1.47%
PAID	41 Neutral	C$7.08M	―	99.64%	―	30.97%	18.42%
FARM	40 Underperform	C$8.31M	-0.12	―	―	-18.97%	-55.19%
DCSI	37 Underperform	C$7.34M	-4.46	―	―	-0.10%	70.92%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

XTM Corporate Events

XTM Inc. Achieves 34% Revenue Growth in 2024, Expands Client Base

XTM Inc. reported a 34% year-over-year revenue increase to $9.1 million for 2024, driven by demand for its payment solutions. The company added 689 new business locations, increasing its total to over 3,500, and saw a 40% rise in active users on its Today platform. Operational efficiencies were achieved through reduced overhead and strategic partnerships, including a CAD $13 million credit facility with Pateno Payments and a USD $3 million processing agreement, which are expected to significantly cut costs and support growth. The company’s focus on achieving cash flow positivity and scaling operations positions it well for future expansion.