XTM (TSE:PAID)
:PAID
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XTM
(PAID)
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Rating:39Underperform
Price Target:
C$0.03
▲(40.00% Upside)
Action:Downgraded
Date:01/24/26
The score is driven primarily by very weak financial performance (losses, negative equity, and negative cash flows). Technical indicators add downside risk with a bearish longer-term trend and oversold signals. Valuation is constrained by a negative P/E and lack of dividend support.
Positive Factors
Revenue Growth
Reported revenue growth of ~22.8% indicates expanding demand for the company's offerings. Durable top-line growth provides capacity to scale fixed-cost IT services, supports reinvestment in product and sales, and—if sustained—can materially shorten the path to break-even over a 2–6 month horizon.
Negative Factors
Negative Equity & High Leverage
The balance sheet shows negative shareholders' equity and high leverage, which materially limits financial flexibility. Over a multi-month horizon this raises refinancing and covenant risks, increases the likelihood of dilutive recapitalization or asset disposals, and constrains strategic investment options.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Reported revenue growth of ~22.8% indicates expanding demand for the company's offerings. Durable top-line growth provides capacity to scale fixed-cost IT services, supports reinvestment in product and sales, and—if sustained—can materially shorten the path to break-even over a 2–6 month horizon.
Read all positive factors
XTM (PAID) vs. iShares MSCI Canada ETF (EWC)
Market Cap
C$2.79M
Dividend YieldN/A
Average Volume (3M)158.14K
Price to Earnings (P/E)―
Beta (1Y)-0.42
Revenue Growth22.81%
EPS Growth11.13%
CountryCA
EmployeesN/A
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)-0.09
Shares Outstanding279,227,750
10 Day Avg. Volume196,619
30 Day Avg. Volume158,139
Financial Highlights & Ratios
PEG Ratio-0.02
Price to Book (P/B)-0.55
Price to Sales (P/S)1.77
P/FCF Ratio-1.57
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
XTM Business Overview & Revenue Model
Company Description
XTM Inc. is a technology company focused on providing innovative solutions for businesses in the financial services sector. The company specializes in digital payment solutions, including prepaid cards and mobile wallets, catering primarily to the...
How the Company Makes Money
XTM generates revenue through several key streams. Primarily, the company earns money by charging transaction fees for the use of its prepaid card services and mobile payment solutions. Additionally, XTM may earn revenue from partnerships with bus...
XTM Financial Statement Overview
Summary
Income Statement
20
Very Negative
Balance Sheet
15
Very Negative
Cash Flow
25
Negative
| Breakdown | TTM | Mar 2025 | Sep 2024 | Jun 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 10.08M | 9.09M | 6.78M | 4.73M | 2.26M | 853.17K |
| Gross Profit | -5.31M | -148.73K | 219.29K | 930.41K | 755.16K | 82.51K |
| EBITDA | -17.26M | -19.77M | -14.81M | -7.04M | -5.07M | -3.20M |
| Net Income | -20.65M | -22.94M | -16.08M | -7.27M | -5.45M | -3.60M |
Balance Sheet | ||||||
| Total Assets | 55.88M | 77.18M | 63.55M | 56.79M | 37.00M | 8.35M |
| Cash, Cash Equivalents and Short-Term Investments | 52.90M | 64.13K | 94.10K | 2.69M | 8.38M | 285.85K |
| Total Debt | 11.19M | 16.67M | 2.89M | 146.87K | 236.94K | 646.59K |
| Total Liabilities | 95.91M | 106.26M | 70.88M | 54.60M | 27.36M | 7.50M |
| Stockholders Equity | -40.03M | -29.08M | -7.33M | 2.19M | 9.64M | 843.24K |
Cash Flow | ||||||
| Free Cash Flow | -4.82M | -10.27M | -10.09M | -5.94M | -4.45M | -2.66M |
| Operating Cash Flow | -4.82M | -9.57M | -1.47M | -5.86M | -4.38M | -2.48M |
| Investing Cash Flow | 3.43M | -693.76K | -10.62M | -83.22K | -71.77K | -181.98K |
| Financing Cash Flow | -2.80M | 10.32M | 9.20M | 271.63K | 12.55M | 2.94M |
XTM Technical Analysis
Negative
0.02
Price Trends
0.01
Negative
0.02
Negative
0.02
Negative
Market Momentum
>-0.01
Negative
33.35
Neutral
>-0.01
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 0.02 is above the 20-day moving average (MA) of <0.01, above the 50-day MA of 0.01, and below the 200-day MA of 0.02, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 33.35 is Neutral, neither overbought nor oversold. The STOCH value of >-0.01 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
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
61 Neutral | C$41.10M | 19.82 | 8.98% | ― | -19.56% | ― | |
51 Neutral | C$14.59M | -1.60 | -540.25% | ― | -33.03% | 64.53% | |
47 Neutral | C$104.58M | -1.88 | -0.43% | ― | -36.55% | -156.72% | |
43 Neutral | C$2.75M | 15.46 | ― | ― | 19.01% | 70.15% | |
41 Neutral | C$3.87M | -35.19 | -3428.85% | ― | 5.11% | 11.36% | |
39 Underperform | C$2.79M | -0.35 | ― | ― | 22.81% | 11.13% |
* Technology Sector Average
TSE:PAID
XTM
0.01
-0.05
-81.82%
TSE:KNR
Kontrol Technologies
2.50
0.00
0.00%
TSE:VIS
Visionstate
0.02
>-0.01
-25.00%
TSE:NERD
Nerds On Site
0.04
0.01
40.00%
TSE:PBIT
POSaBIT Systems
0.09
0.02
38.46%
TSE:PVT
Pivotree
1.55
0.33
27.05%
XTM Corporate Events
Business Operations and StrategyFinancial Disclosures
XTM Inc. Reports Revenue Growth and Strategic Shift in Q3 2025
Positive
Dec 2, 2025
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 Fina...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
XTM Inc. Reports Q3 2025 Financial Results and Strategic Transition
Positive
Dec 2, 2025
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 transit...
Business Operations and StrategyPrivate Placements and Financing
XTM Inc. Partners with AGORACOM for U.S. Subsidiary Tokenization
Positive
Nov 18, 2025
XTM Inc. has signed a binding Letter of Intent with Dubai-based AGORACOM RWA DBX to facilitate the tokenization of Preferred Shares of its U.S. subsidiary, XTM USA. This initiative aims to unlock non-dilutive capital by leveraging digital asset ma...
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.