GoldMoney (XAU) AI Stock Analysis

• Market Cap: C$109.03M
• Dividend Yield: N/A
• Average Volume (3M): 5.14K
• Price to Earnings (P/E): 7.6
• Beta (1Y): 0.06
• Revenue Growth: -29.82%
• EPS Growth: N/A
• Country: CA
• Employees: 27
• Sector: Financial
• Sector Strength: 69
• Industry: Financial - Capital Markets
• EPS (TTM): 0.81
• Shares Outstanding: 12,647,950
• 10 Day Avg. Volume: 7,076
• 30 Day Avg. Volume: 5,143
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 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

• Rating: 72 Outperform
• Price Target: C$9.50 ▲(10.21%Upside)

The overall stock score of 72 reflects strong financial performance and attractive valuation, bolstered by the company's strategic actions such as share buybacks. While technical indicators provide a neutral outlook, the company's fundamentals and recent corporate actions paint a promising picture. Historical financial volatility remains a consideration, but current developments are favorable.

GoldMoney Business Overview & Revenue Model

Company Description

GoldMoney Inc. (XAU) is a leading financial technology company specializing in the secure storage and trading of precious metals, particularly gold. The company operates in the fintech sector, providing innovative solutions for individuals and institutions to buy, sell, and store physical bullion. GoldMoney offers a comprehensive platform that enables customers to manage their precious metal holdings online, ensuring a high level of security and transparency.

How the Company Makes Money

GoldMoney generates revenue through a multifaceted business model primarily based on transaction fees, storage fees, and currency exchange fees. The company charges transaction fees when customers buy or sell precious metals through its platform. Additionally, it earns storage fees from clients who choose to securely store their precious metal holdings in GoldMoney's global vault network. Currency exchange fees are also levied when clients convert between different currencies while transacting on the platform. Significant partnerships with secure vault providers and financial institutions enhance GoldMoney's service offerings, contributing to its robust revenue streams.

GoldMoney Financial Statement Overview

Summary

GoldMoney demonstrates strong financial health, characterized by robust income growth, stable balance sheet, and solid cash flow generation. Profitability has improved significantly, supported by efficient cost management and revenue growth. However, historical volatility in revenue and profits suggests potential risks.

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	Mar 2025	Mar 2024	Mar 2023	Mar 2022	Mar 2021
Income Statement
Total Revenue	101.83M	65.57M	84.84M	358.61M	662.25M
Gross Profit	31.89M	21.26M	19.72M	21.05M	27.24M
EBITDA	20.88M	-5.71M	7.28M	-4.16M	14.73M
Net Income	14.57M	-24.52M	6.80M	-5.75M	11.65M
Balance Sheet
Total Assets	341.92M	185.48M	176.05M	176.96M	190.22M
Cash, Cash Equivalents and Short-Term Investments	12.73M	13.33M	43.27M	31.98M	28.56M
Total Debt	84.11M	38.84M	0.00	437.00	1.55M
Total Liabilities	178.94M	44.30M	3.93M	2.03M	9.72M
Stockholders Equity	162.98M	141.18M	172.54M	175.25M	180.49M
Cash Flow
Free Cash Flow	49.73M	67.06M	20.98M	-7.23M	371.62K
Operating Cash Flow	49.74M	67.07M	20.99M	-7.18M	411.80K
Investing Cash Flow	-64.04M	-126.03M	1.93M	10.55M	-3.04M
Financing Cash Flow	37.85M	31.95M	-10.03M	-1.25M	-6.26M

GoldMoney Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 8.62
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• 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 Positive. The current price of 8.62 is below the 20-day moving average (MA) of 8.76, below the 50-day MA of 8.62, and above the 200-day MA of 8.47, indicating a neutral trend. The MACD of -0.06 indicates Positive momentum. The RSI at 48.18 is Neutral, neither overbought nor oversold. The STOCH value of 34.92 is Neutral, 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	C$147.19M	4.72	43.85%	―	461.24%	82.98%
XAU	72 Outperform	C$109.03M	7.63	9.41%	―	-29.82%	―
CXI	69 Neutral	C$123.30M	22.84	5.85%	―	-0.24%	-46.22%
Sector *	62 Neutral	C$15.13B	6.84	19.02%	5.62%	33.28%	-19.39%
NDA	56 Neutral	C$149.97M	60.00	-0.89%	―	-9.36%	―
DEFI	52 Neutral	C$51.06M	9.33	42.14%	―	109.65%	-22.41%

GoldMoney Corporate Events

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.