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Xtm, Inc. (TSE:PAID)
:PAID
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XTM (PAID) AI Stock Analysis

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TSE:PAID

XTM

(PAID)

Rating:47Neutral
Price Target:
C$0.00
▼(-100.00%Downside)
The overall stock score is primarily influenced by financial instability and poor valuation metrics. However, strategic corporate events provide a positive outlook for future improvements in operational efficiency and financial flexibility.

XTM (PAID) vs. iShares MSCI Canada ETF (EWC)

XTM Business Overview & Revenue Model

Company DescriptionXTM (PAID) is a financial technology company specializing in providing digital payment solutions and mobile banking services. The company focuses on delivering innovative financial products to businesses and consumers, enhancing the ease of transactions and financial management through technology-driven solutions. Its core offerings include digital payment platforms, mobile wallet services, and financial management tools tailored to meet the needs of modern businesses and end-users.
How the Company Makes MoneyXTM (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 strong revenue growth, the company struggles with profitability and financial stability. Persistent operating losses and heavy reliance on external financing highlight significant risks, earning the lowest score in this category.
Income Statement
35
Negative
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
25
Negative
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
30
Negative
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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue9.09M6.78M4.73M2.38M853.17K
Gross Profit96.17K219.29K930.41K755.16K82.51K
EBITDA-19.77M-14.81M-7.04M-5.07M-3.20M
Net Income-22.94M-16.08M-7.27M-4.95M-3.83M
Balance Sheet
Total Assets77.18M63.55M56.79M37.00M8.35M
Cash, Cash Equivalents and Short-Term Investments64.13K94.10K2.69M8.38M285.85K
Total Debt16.67M2.89M146.87K236.94K589.53K
Total Liabilities106.26M70.88M54.60M27.36M7.50M
Stockholders Equity-29.08M-7.33M2.19M9.64M843.24K
Cash Flow
Free Cash Flow-10.27M-10.09M-5.94M-4.45M-2.66M
Operating Cash Flow-9.57M-1.47M-5.86M-4.38M-2.48M
Investing Cash Flow-693.76K-10.62M-83.22K-71.77K-181.98K
Financing Cash Flow10.32M9.20M271.63K12.55M2.94M

XTM Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.04
Price Trends
50DMA
0.05
Negative
100DMA
0.05
Negative
200DMA
0.06
Negative
Market Momentum
MACD
>-0.01
Positive
RSI
40.75
Neutral
STOCH
-66.67
Positive
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 0.04 is below the 20-day moving average (MA) of 0.05, below the 50-day MA of 0.05, and below the 200-day MA of 0.06, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 40.75 is Neutral, neither overbought nor oversold. The STOCH value of -66.67 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:PAID.

XTM Peers Comparison

Overall Rating
UnderperformOutperform
Sector (50)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
54
Neutral
C$7.75M-482.34%-6.76%54.64%
50
Neutral
C$3.05B2.41-63.57%2.27%4.49%-6.15%
47
Neutral
C$9.23M99.64%39.88%0.20%
41
Neutral
$2.24M30.86%5.24%1.47%
40
Underperform
C$8.31M
-15.73%-45.92%
37
Underperform
$6.43M-299.37%-58.79%61.30%
37
Underperform
$7.46M66.88%-56.34%86.85%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
TSE:PAID
XTM
0.04
-0.07
-63.64%
TSE:NERD
Nerds On Site
0.03
-0.02
-37.50%
TSE:PBIT
POSaBIT Systems
0.04
-0.08
-66.67%
TSE:FARM
Deveron UAS
0.04
-0.04
-50.00%
TSE:VIS
Visionstate
0.03
<0.01
50.00%
TSE:DCSI
Direct Communication Solutions
3.00
-0.13
-4.15%

XTM Corporate Events

Private Placements and FinancingBusiness Operations and StrategyFinancial Disclosures
XTM Inc. Achieves 34% Revenue Growth in 2024, Expands Client Base
Positive
May 7, 2025

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.

M&A TransactionsBusiness Operations and Strategy
XTM Inc. Sells QRails Technology to Enhance Financial Efficiency
Positive
Apr 29, 2025

XTM Inc. has entered into a definitive Asset Purchase Agreement with Pateno Payments Inc. for the sale of QRails, Inc.’s processing technology, valued at USD $3,000,000. This strategic divestiture is expected to reduce XTM’s monthly operating costs by approximately 50%, allowing the company to achieve cash neutrality by Q3 2025. The transaction will enhance XTM’s financial profile by eliminating the operational burden of the processor while maintaining business continuity. The move is anticipated to improve financial flexibility, provide a non-dilutive capital injection, and focus on core growth areas, ultimately benefiting shareholders with improved margins and operational efficiency.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

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: Jul 25, 2025