GoldMoney (XAU) AI Stock Analysis

• Market Cap: $128.14M
• Dividend Yield: N/A
• Average Volume (3M): 13.22K
• Price to Earnings (P/E): 4.4
• Beta (1Y): 0.37
• Revenue Growth: 113.25%
• EPS Growth: N/A
• Country: CA
• Employees: 27
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): 0.53
• Shares Outstanding: 12,624,562
• 10 Day Avg. Volume: 15,668
• 30 Day Avg. Volume: 13,218
• PEG Ratio: -0.04
• Price to Book (P/B): 0.65
• Price to Sales (P/S): 1.03
• P/FCF Ratio: 2.11
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: C$12.50 ▲(23.15% Upside)

GoldMoney's overall stock score is driven primarily by its strong financial performance and attractive valuation. Despite mixed technical indicators, the company's robust financial health and undervaluation present a compelling case for potential growth. The absence of earnings call data and the limited impact of recent corporate events do not significantly affect the overall score.

Positive Factors

Revenue Growth

Sustained revenue growth indicates robust demand for GoldMoney's services, enhancing its market position and supporting long-term expansion.

Cash Flow Management

Efficient cash generation and management ensure liquidity and financial flexibility, enabling strategic investments and stability.

Profitability

Healthy profitability reflects effective cost management and operational efficiency, supporting sustainable business operations.

Negative Factors

Leverage

While leverage is moderate, it requires monitoring to prevent potential financial strain that could impact future growth and stability.

Employee Base

A small employee base may limit the company's ability to scale operations quickly and respond to market changes, potentially hindering growth.

Earnings Call Absence

Lack of earnings call data may reduce transparency and investor confidence, affecting the company's ability to communicate strategic direction.

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 company also acts as dealer in the purchase and sale of physical precious metals in the form of bars, coins, and wafers through SchiffGold.com. In addition, it designs, manufactures, and sells gold and platinum jewelry through Mene.com. The company was formerly known as BitGold Inc. and changed its name to Goldmoney Inc. in July 2015. Goldmoney Inc. was founded in 2001 and is headquartered in Toronto, Canada.

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 may also earn interest on customer holdings and investment products linked to gold. Significant partnerships with banks and financial institutions can enhance its offerings and market reach, contributing to its earnings. Additionally, fluctuations in gold prices can impact the volume of transactions and customer interest, further influencing revenue.

GoldMoney Financial Statement Overview

Summary

GoldMoney exhibits strong financial health with impressive revenue growth and profitability. The balance sheet is stable with moderate leverage, and cash flow metrics indicate efficient cash management. The company is well-positioned for continued growth in the financial capital markets industry, though it should monitor leverage to maintain financial stability.

Income Statement

GoldMoney has demonstrated strong revenue growth with a TTM increase of 43.05%, indicating a robust upward trajectory. The company maintains healthy profitability with a gross profit margin of 31.28% and a net profit margin of 14.31% in the TTM period. EBIT and EBITDA margins are also solid at 19.75% and 20.59%, respectively. These metrics reflect effective cost management and operational efficiency.

Balance Sheet

The balance sheet shows a moderate debt-to-equity ratio of 0.52, suggesting a balanced approach to leveraging. Return on equity is positive at 9.52%, indicating effective use of equity to generate profits. The equity ratio stands at 51.22%, reflecting a stable financial structure with a strong equity base.

Cash Flow

GoldMoney's cash flow is strong, with a positive free cash flow growth rate of 2.07% in the TTM period. The operating cash flow to net income ratio is 0.43, and the free cash flow to net income ratio is nearly 1, indicating efficient cash generation relative to net income. These metrics suggest good liquidity and cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	126.91M	101.83M	65.57M	84.84M	662.25M	458.87M
Gross Profit	34.49M	31.89M	21.26M	19.72M	27.24M	9.07M
EBITDA	31.62M	20.88M	-5.71M	7.03M	13.80M	-8.02M
Net Income	25.24M	14.57M	-24.52M	6.80M	11.65M	-9.71M
Balance Sheet
Total Assets	343.88M	341.92M	185.48M	176.05M	190.22M	190.22M
Cash, Cash Equivalents and Short-Term Investments	9.21M	12.73M	13.33M	43.27M	28.56M	28.56M
Total Debt	83.38M	84.11M	38.84M	0.00	1.55M	1.55M
Total Liabilities	164.80M	178.94M	44.30M	3.93M	9.72M	9.72M
Stockholders Equity	179.09M	162.98M	141.18M	172.54M	180.49M	180.49M
Cash Flow
Free Cash Flow	32.03M	49.73M	67.06M	20.98M	-7.23M	371.62K
Operating Cash Flow	32.09M	49.74M	67.07M	20.99M	-7.18M	411.80K
Investing Cash Flow	-66.40M	-64.04M	-126.03M	1.93M	10.55M	-3.04M
Financing Cash Flow	33.37M	37.85M	31.95M	-10.03M	-1.25M	-6.26M

GoldMoney Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 10.15
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

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 10.15 is below the 20-day moving average (MA) of 10.79, below the 50-day MA of 11.27, and above the 200-day MA of 9.41, indicating a neutral trend. The MACD of -0.22 indicates Positive momentum. The RSI at 35.57 is Neutral, neither overbought nor oversold. The STOCH value of 6.15 is Positive, 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
PNP	85 Outperform	C$107.39M	3.79	38.03%	―	294.30%	49.60%
XAU	72 Outperform	$128.14M	4.39	11.44%	―	113.25%	―
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CXI	68 Neutral	C$139.08M	23.50	7.24%	―	-4.76%	-40.05%
NDA	56 Neutral	C$110.57M	-189.13	―	―	-20.75%	-84.00%
DEFI	52 Neutral	C$86.46M	-2.96	-90.12%	―	972.76%	-192.94%

GoldMoney Corporate Events

Goldmoney Inc. Reports Q2 2026 Financial Results with Increased Equity but Lower Net Income

Goldmoney Inc. reported its financial results for the fiscal second quarter of 2026, showing a 5.2% increase in Group Tangible Equity to $166.1 million and a 4.6% rise in Tangible Equity per share. Despite these gains, the company experienced a 31.2% decrease in Non-IFRS Adjusted Net Income, highlighting challenges in maintaining profitability. The repurchase and cancellation of 59,900 shares at an average price of $9.06 indicate a strategic move to enhance shareholder value. These results reflect the company’s ongoing efforts to strengthen its financial position amid fluctuating market conditions.

Goldmoney Inc. Reports 2025 Shareholder Meeting Outcomes

Goldmoney Inc. announced the results of its 2025 Annual Meeting of Shareholders, where all five directors proposed by management were elected to the board. Shareholders approved the appointment of BDO Canada LLP as auditors and authorized directors to fix their remuneration. Additionally, the unallocated entitlements under the company’s stock option and restricted share unit plans were approved. These developments reinforce Goldmoney’s strategic direction and operational stability, potentially impacting its market positioning and stakeholder confidence.