GoldMoney (XAU) AI Stock Analysis

• Market Cap: C$135.08M
• Dividend Yield: N/A
• Average Volume (3M): 5.41K
• Price to Earnings (P/E): 7.2
• Beta (1Y): 0.28
• Revenue Growth: 90.67%
• EPS Growth: N/A
• Country: CA
• Employees: 27
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): N/A
• Shares Outstanding: 12,647,950
• 10 Day Avg. Volume: 9,689
• 30 Day Avg. Volume: 5,406
• 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: C$10.02
• Price Target Upside: -6.22% Downside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 80 Outperform
• Price Target: C$10.00 ▼(-6.37% Downside)

GoldMoney's strong financial performance and attractive valuation are the primary drivers of its high score. The technical analysis supports a stable outlook, with no significant overbought or oversold signals. The absence of earnings call data and corporate events does not detract from the overall positive assessment.

GoldMoney Business Overview & Revenue Model

Company Description

GoldMoney (XAU) is a financial technology company that specializes in providing a platform for individuals and institutions to buy, sell, and store physical gold and other precious metals. Operating in the fintech sector, GoldMoney offers services such as online gold purchasing, secure storage, and wealth management solutions, making it easier for clients to invest in gold as a hedge against inflation and currency fluctuations. The company's core product is its gold-backed digital currency, which allows users to transact in a stable asset that is directly tied to physical gold holdings.

How the Company Makes Money

GoldMoney generates revenue through several key streams, including transaction fees on gold purchases and sales, storage fees for holding precious metals in secure vaults, and fees associated with the management of customer accounts. Additionally, the company may earn interest on gold holdings through various financial products and services. Significant partnerships with vaulting facilities and financial institutions enhance its service offerings and customer trust, contributing to its earnings. The company's innovative approach to asset management and commitment to transparency also help attract and retain customers.

GoldMoney Financial Statement Overview

Summary

GoldMoney demonstrates strong financial health, characterized by robust income growth, stable balance sheet, and solid cash flow generation. The company’s profitability has improved significantly, supported by efficient cost management and revenue growth. Its financial leverage remains under control, and cash flows are managed effectively. While historical volatility in revenue and profits suggests potential risks, the current trajectory appears promising.

Income Statement

GoldMoney has shown a remarkable improvement in its income statement over the past year. The gross profit margin has increased to 31.3%, indicating efficient cost management. The net profit margin of 14.3% and an impressive revenue growth rate of 55.3% reflect strong profitability and growth. The EBIT and EBITDA margins at 21.4% and 20.5% respectively, signify healthy operating performance. However, historical fluctuations and past net losses suggest potential volatility.

Balance Sheet

The balance sheet displays a solid equity position with an equity ratio of 47.7%, underscoring financial stability. The debt-to-equity ratio stands at 0.52, indicating manageable leverage. Return on equity is robust at 8.9%, showcasing effective use of equity to generate profits. However, the company has experienced a significant increase in total liabilities year-over-year, which could pose risks.

Cash Flow

GoldMoney's cash flow analysis highlights strong cash generation with a substantial operating cash flow to net income ratio of 3.41. The free cash flow growth rate is stable, reflecting solid cash management. The free cash flow to net income ratio is commendable at 3.41, indicating efficient cash utilization. Despite strong cash flows, past fluctuations in operating cash flow warrant attention.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	145.68M	101.83M	65.57M	84.84M	358.61M	662.25M
Gross Profit	36.85M	31.89M	21.26M	19.72M	21.05M	27.24M
EBITDA	27.02M	20.88M	-5.71M	7.28M	-4.16M	14.73M
Net Income	18.93M	14.57M	-24.52M	6.80M	-5.75M	11.65M
Balance Sheet
Total Assets	333.50M	341.92M	185.48M	176.05M	176.96M	190.22M
Cash, Cash Equivalents and Short-Term Investments	5.80M	12.73M	13.33M	43.27M	31.98M	28.56M
Total Debt	84.03M	84.11M	38.84M	0.00	437.00	1.55M
Total Liabilities	162.71M	178.94M	44.30M	3.93M	2.03M	9.72M
Stockholders Equity	170.79M	162.98M	141.18M	172.54M	175.25M	180.49M
Cash Flow
Free Cash Flow	41.74M	49.73M	67.06M	20.98M	-7.23M	371.62K
Operating Cash Flow	41.75M	49.74M	67.07M	20.99M	-7.18M	411.80K
Investing Cash Flow	-69.26M	-64.04M	-126.03M	1.93M	10.55M	-3.04M
Financing Cash Flow	35.91M	37.85M	31.95M	-10.03M	-1.25M	-6.26M

GoldMoney Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 10.68
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• 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 10.68 is above the 20-day moving average (MA) of 9.42, above the 50-day MA of 9.06, and above the 200-day MA of 8.47, indicating a bullish trend. The MACD of 0.37 indicates Negative momentum. The RSI at 81.42 is Negative, neither overbought nor oversold. The STOCH value of 94.66 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
PNP	85 Outperform	132.92M	4.26	0.00%	―	254.21%	132.59%
XAU	80 Outperform	C$135.08M	7.19	11.44%	―	90.67%	―
CXI	68 Neutral	138.09M	23.34	3.12%	―	-4.76%	-40.05%
NDA	56 Neutral	148.70M	-254.35	0.00%	―	-20.75%	-84.00%
DEFI	52 Neutral	51.06M	-3.67	0.00%	―	-98.96%	-214.13%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

GoldMoney Corporate Events

Goldmoney Inc. Reports Strong Q1 2026 Financial Results

Goldmoney Inc. reported its financial results for the fiscal 2026 first quarter, showing a robust performance with a 5.3% increase in Group Tangible Equity to $157.9 million and a 24.5% rise in Non-IFRS Adjusted Net Income to $9.6 million. The company repurchased and canceled 323,400 shares, reflecting a strategic move to enhance shareholder value. These results underscore Goldmoney’s strong market positioning and operational efficiency, likely benefiting stakeholders by reinforcing confidence in the company’s financial health and strategic direction.

Goldmoney Inc. Reports Strong Fiscal Year 2025 Financial Results

Goldmoney Inc. reported its financial results for the fiscal year ending March 31, 2025, showing significant growth in key financial metrics. The company achieved a 19% increase in Group Tangible Capital and a 35% rise in Non-IFRS Adjusted Net Income. Additionally, Goldmoney repurchased and canceled 569,800 shares, reducing outstanding shares by 1.6% year-over-year. These results indicate a strong financial position and reflect the company’s strategic focus on enhancing shareholder value.