GoldMoney (XAU) AI Stock Analysis

• Market Cap: C$105.53M
• Dividend Yield: N/A
• Average Volume (3M): 5.56K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.16
• Revenue Growth: -66.43%
• EPS Growth: -663.60%
• Country: CA
• Employees: 27
• Sector: Financial
• Sector Strength: 88
• Industry: Financial - Capital Markets
• EPS (TTM): -2.10
• Shares Outstanding: 13,191,150
• 10 Day Avg. Volume: 4,553
• 30 Day Avg. Volume: 5,559
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

GoldMoney's stock score reflects significant concerns regarding its financial performance, particularly the revenue decline and negative profitability margins. The technical analysis suggests bearish sentiment, and the valuation is unattractive due to negative earnings. The company needs to address these critical areas to improve its financial health and market perception.

GoldMoney Business Overview & Revenue Model

Company Description

GoldMoney Inc. (XAU) is a financial services company that specializes in the sale, custody, and management of precious metals, primarily gold. Operating in the fintech sector, GoldMoney provides clients with secure, fully-allocated precious metals storage and a range of services for buying and selling metals. The company's offerings include bullion storage solutions, a mobile app for trading precious metals, and wealth management services, catering to both individual investors and institutional clients worldwide.

How the Company Makes Money

GoldMoney generates revenue through a variety of streams primarily linked to the buying, selling, and storage of precious metals. Key revenue sources include transaction fees from the purchase and sale of gold and other metals, storage fees for maintaining clients' precious metals in secure vaults, and management fees from wealth management services. The company also benefits from partnerships with banking institutions and other financial entities that facilitate the trading and safekeeping of precious metals. These partnerships enhance GoldMoney's service offerings and help expand its client base, contributing significantly to its earnings.

GoldMoney Financial Statement Overview

Summary

GoldMoney shows mixed financial performance. The significant revenue decline and negative profitability margins are major concerns. A strong balance sheet is somewhat offset by increased leverage. Positive cash flows are overshadowed by declining free cash flow growth, highlighting financial challenges.

Income Statement

The company's income statement indicates declining revenue, with a TTM revenue of $80.53M, down from $655.74M in the previous annual report, representing a significant decline in revenue growth. The net profit margin is negative at -34.69% TTM, indicating ongoing profitability challenges. Gross profit margin has improved to 35.10% TTM from 32.42% in the previous period, suggesting some improvement in cost management. Despite these improvements, negative EBIT and EBITDA margins highlight continued operational challenges.

Balance Sheet

The balance sheet reflects a solid equity base, with a TTM equity ratio of 48.31%. However, the debt-to-equity ratio increased to 0.54 from 0.27, indicating a rise in leverage which could pose risks if not managed carefully. Return on equity is negative due to the net loss, which is a concern for profitability. The company maintains a reasonable level of assets, but liabilities have increased, impacting overall financial stability.

Cash Flow

Cash flow analysis shows positive operating cash flow of $29.02M TTM, which is a positive sign. However, free cash flow decreased compared to the previous period, indicating potential cash management issues. The operating cash flow to net income ratio is strong due to significant non-cash losses. Although the company has positive free cash flow, the decline in growth rate is a concern.

Breakdown
Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
65.57M	320.51M	360.92M	654.41M	458.87M
	Gross Profit
21.26M	30.49M	23.87M	19.40M	10.88M
	EBIT
14.72M	15.55M	6.98M	6.12M	-975.76K
	EBITDA
-5.71M	7.28M	-4.16M	14.73M	-5.10M
	Net Income Common Stockholders
-24.52M	6.69M	-6.06M	11.65M	-9.71M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
13.33M	42.25M	31.98M	28.56M	45.29M
	Total Assets
185.48M	176.05M	176.96M	190.22M	184.69M
	Total Debt
38.84M	0.00	437.00	1.47M	1.76M
	Net Debt
25.51M	-40.07M	-26.03M	-22.60M	-31.77M
	Total Liabilities
44.30M	3.93M	2.03M	9.72M	12.26M
	Stockholders Equity
141.18M	172.54M	175.25M	180.49M	172.43M
Cash Flow		Free Cash Flow
67.06M	21.81M	-7.23M	371.62K	2.47M
	Operating Cash Flow
67.07M	21.82M	-7.18M	411.80K	2.54M
	Investing Cash Flow
-126.03M	1.93M	10.55M	-3.04M	11.96M
	Financing Cash Flow
31.95M	-10.03M	-1.25M	-6.26M	-1.50M

GoldMoney Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 8.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:XAU, the sentiment is Negative. The current price of 8 is above the 20-day moving average (MA) of 7.99, below the 50-day MA of 8.21, and below the 200-day MA of 8.56, indicating a bearish trend. The MACD of -0.07 indicates Negative momentum. The RSI at 46.30 is Neutral, neither overbought nor oversold. The STOCH value of 47.57 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:XAU.

GoldMoney Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
WPM	79 Outperform	$50.67B	69.86	7.43%	0.78%	28.41%	-0.59%
SVM	76 Outperform	$1.05B	9.70	11.68%	0.73%	31.23%	110.49%
FNV	74 Outperform	$43.84B	57.91	9.38%	0.89%	-7.22%	―
OR	70 Outperform	$5.94B	266.64	1.33%	0.81%	6.02%	―
Sector *	64 Neutral	$12.64B	9.74	8.05%	17044.60%	12.66%	-4.62%
XAU	48 Neutral	C$105.53M	―	-17.49%	―	-66.43%	-663.60%

GoldMoney Corporate Events

Goldmoney Inc. Reports Q3 2025 Results and Announces Financial Statement Restatement

Goldmoney Inc. reported its financial results for the third quarter of fiscal 2025, highlighting a 2.6% quarterly increase in group tangible capital, reaching $138.8 million. Despite this growth, the company’s adjusted net income declined by 11.2% to $3.9 million. Additionally, Goldmoney announced a restatement of its financial statements for the years ending March 31, 2024, and 2023, due to the reclassification of client cash and precious metals, which will now be included on the consolidated balance sheet. This restatement aims to provide more accurate financial reporting, impacting investor insights and company transparency.