GoldMoney (XAU) AI Stock Analysis

• Market Cap: $115.29M
• Dividend Yield: N/A
• Average Volume (3M): 3.01K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.13
• Revenue Growth: -66.43%
• EPS Growth: -663.60%
• Country: CA
• Employees: 27
• Sector: Financial
• Sector Strength: 74
• Industry: Financial - Capital Markets
• EPS (TTM): 0.22
• Shares Outstanding: 13,191,150
• 10 Day Avg. Volume: 2,236
• 30 Day Avg. Volume: 3,009
• PEG Ratio: -0.52
• Price to Book (P/B): 4.26
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 33.68
• 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

• Rating: 48 Neutral
• Price Target: ―

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 exhibits mixed financial performance. Revenue decline and negative profitability margins raise concerns about operational efficiency. The balance sheet remains strong, but increased leverage requires careful management. Cash flows are positive, but declining free cash flow growth is a potential risk. The company must focus on reversing revenue decline and improving profitability to enhance its financial standing.

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
TTM	Mar 2024	Mar 2023	Mar 2022	Mar 2021	Mar 2020
Income Statement		Total Revenue
80.53M	65.57M	84.84M	358.61M	662.25M	458.87M
	Gross Profit
28.25M	21.26M	19.72M	21.05M	27.24M	9.07M
	EBIT
18.22M	14.72M	11.20M	6.98M	6.12M	-975.76K
	EBITDA
-8.34M	-5.71M	7.28M	-4.16M	14.73M	-5.10M
	Net Income Common Stockholders
-30.43M	-24.52M	6.80M	-5.75M	11.65M	-9.71M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
9.31M	13.33M	43.27M	31.98M	28.56M	48.28M
	Total Assets
315.67M	185.48M	176.05M	176.96M	190.22M	184.69M
	Total Debt
81.68M	38.84M	0.00	437.00	1.55M	1.76M
	Net Debt
72.37M	25.51M	-41.10M	-26.03M	-22.60M	-31.77M
	Total Liabilities
163.18M	44.30M	3.93M	2.03M	9.72M	12.26M
	Stockholders Equity
152.49M	141.18M	172.54M	175.25M	180.49M	172.43M
Cash Flow		Free Cash Flow
29.01M	67.06M	20.98M	-7.23M	371.62K	2.52M
	Operating Cash Flow
29.02M	67.07M	20.99M	-7.18M	411.80K	2.59M
	Investing Cash Flow
-65.64M	-126.03M	1.93M	10.55M	-3.04M	11.96M
	Financing Cash Flow
34.86M	31.95M	-10.03M	-1.25M	-6.26M	-1.55M

GoldMoney Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 8.75
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:XAU, the sentiment is Positive. The current price of 8.75 is above the 20-day moving average (MA) of 8.36, above the 50-day MA of 8.18, and above the 200-day MA of 8.58, indicating a bullish trend. The MACD of 0.10 indicates Negative momentum. The RSI at 64.86 is Neutral, neither overbought nor oversold. The STOCH value of 94.50 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for TSE:XAU.

GoldMoney Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
SVM	76 Outperform	$1.29B	14.90	9.62%	0.78%	31.23%	110.49%
WPM	75 Outperform	$56.63B	65.36	8.51%	0.76%	37.40%	8.55%
FNV	74 Outperform	$44.39B	51.37	10.19%	0.90%	-7.22%	―
OR	69 Neutral	$6.69B	151.94	2.50%	0.73%	12.78%	―
Sector *	64 Neutral	$12.77B	9.78	7.84%	78.83%	12.06%	-7.99%
XAU	48 Neutral	$115.29M	―	-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.