GoldMoney (TSE:XAU)
TSX:XAU
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GoldMoney
(TSX:XAU)
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Rating:79Outperform
Price Target:
C$22.00
▲(119.12% Upside)
Action:ReiteratedDate:03/06/26
The score is driven by very attractive valuation (P/E ~1.83) and improved TTM financial performance (strong growth, healthy margins, solid ROE and FCF conversion). Offsetting these positives, technicals are stretched (RSI/Stoch elevated) and the fundamentals show historical volatility and higher leverage than earlier years, which adds risk if conditions reverse.
Positive Factors
Revenue growth
Sustained TTM revenue growth (+33.9%) indicates the company is scaling its core metal-buying and custody platform, expanding transactional volumes and customer adoption. Over 2-6 months, this higher base supports durability of revenue streams and better fixed-cost absorption.
Negative Factors
Historical profitability volatility
Reported history includes prior loss-making periods and swings in profitability, reducing confidence that the current profitable run-rate is durable. For investors, this cyclicality implies earnings can reverse materially if volumes or metal price dynamics change.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue growth
Sustained TTM revenue growth (+33.9%) indicates the company is scaling its core metal-buying and custody platform, expanding transactional volumes and customer adoption. Over 2-6 months, this higher base supports durability of revenue streams and better fixed-cost absorption.
Read all positive factors
GoldMoney (XAU) vs. iShares MSCI Canada ETF (EWC)
Market Cap
C$199.07M
Dividend YieldN/A
Average Volume (3M)13.22K
Price to Earnings (P/E)1.8
Beta (1Y)0.20
Revenue Growth165.53%
EPS GrowthN/A
CountryCA
Employees27
SectorFinancial
Sector Strength70
IndustryFinancial - Capital Markets
Share Statistics
EPS (TTM)1.42
Shares Outstanding12,426,462
10 Day Avg. Volume15,668
30 Day Avg. Volume13,218
Financial Highlights & Ratios
PEG Ratio<0.01
Price to Book (P/B)0.85
Price to Sales (P/S)1.84
P/FCF Ratio1.80
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
GoldMoney Business Overview & Revenue Model
Company Description
Goldmoney Inc. operates as a precious metal financial service and technology company worldwide. It is involved in the custody and storage of physical precious metals through Goldmoney.com online platform; and coin retailing and lending. The compan...
How the Company Makes Money
GoldMoney generates revenue primarily through fees associated with its services. This includes transaction fees for buying and selling gold, storage fees for holding physical metals, and premium account services for enhanced features. The company ...
GoldMoney Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
71
Positive
Cash Flow
68
Positive
| Breakdown | TTM | Mar 2024 | Mar 2022 | Mar 2021 | Mar 2020 | Mar 2019 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 169.98M | 101.83M | 84.84M | 662.25M | 458.87M | 281.54M |
| Gross Profit | 50.32M | 31.89M | 19.72M | 27.24M | 9.07M | 6.26M |
| EBITDA | 45.86M | 20.88M | 7.03M | 13.80M | -8.02M | 23.07M |
| Net Income | 40.19M | 14.57M | 6.80M | 11.65M | -9.71M | 23.59M |
Balance Sheet | ||||||
| Total Assets | 383.77M | 341.92M | 176.05M | 190.22M | 190.22M | 188.10M |
| Cash, Cash Equivalents and Short-Term Investments | 104.95M | 12.73M | 43.27M | 28.56M | 28.56M | 40.26M |
| Total Debt | 93.03M | 84.11M | 0.00 | 1.55M | 1.55M | 1.15M |
| Total Liabilities | 190.83M | 178.94M | 3.93M | 9.72M | 9.72M | 6.26M |
| Stockholders Equity | 192.94M | 162.98M | 172.54M | 180.49M | 180.49M | 181.84M |
Cash Flow | ||||||
| Free Cash Flow | 43.68M | 49.73M | 20.98M | -7.23M | 371.62K | 2.52M |
| Operating Cash Flow | 43.74M | 49.74M | 20.99M | -7.18M | 411.80K | 2.59M |
| Investing Cash Flow | -38.91M | -64.04M | 1.93M | 10.55M | -3.04M | 11.96M |
| Financing Cash Flow | -5.23M | 37.85M | -10.03M | -1.25M | -6.26M | -1.55M |
GoldMoney Technical Analysis
Neutral
10.04
Price Trends
16.40
Negative
13.52
Positive
11.79
Positive
Market Momentum
0.15
Positive
46.19
Neutral
28.02
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:XAU, the sentiment is Neutral. The current price of 10.04 is below the 20-day moving average (MA) of 16.65, below the 50-day MA of 16.40, and below the 200-day MA of 11.79, indicating a neutral trend. The MACD of 0.15 indicates Positive momentum. The RSI at 46.19 is Neutral, neither overbought nor oversold. The STOCH value of 28.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for TSE:XAU.
GoldMoney Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | C$199.07M | 1.83 | 22.78% | ― | 165.53% | ― | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
53 Neutral | C$26.26M | 7.22 | -63.28% | ― | 3.46% | 94.86% | |
51 Neutral | C$86.46M | 5.80 | 79.47% | ― | 147.27% | ― | |
48 Neutral | C$57.78M | -5.39 | -8.68% | ― | 30.79% | 48.25% |
* Financial Sector Average
TSE:XAU
GoldMoney
16.02
8.04
100.75%
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GoldMoney Corporate Events
Business Operations and StrategyM&A Transactions
Goldmoney Sells London Property to Fund Strategic Real Estate Push
Positive
Feb 20, 2026
Goldmoney Inc. has sold its St James Place real estate property in the U.K. for gross proceeds of £37.9 million ($70.1 million) to a U.S.-based institutional investor. The divestment is designed to recycle capital into redevelopment projects ...
Stock BuybackFinancial Disclosures
Goldmoney Posts Surge in Q3 Earnings and Tangible Equity, Boosts Shareholder Returns
Positive
Feb 5, 2026
Goldmoney Inc. reported a strong fiscal third quarter ended December 31, 2025, highlighted by an 8.3% quarter-over-quarter increase in group tangible equity to $179.9 million and a 10.3% rise in tangible equity per share to $14.45, with the metric...
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.