XBP Europe Holdings (XBP) AI Stock Analysis

• Market Cap: $133.97M
• Dividend Yield: N/A
• Average Volume (3M): 545.78K
• Price to Earnings (P/E): ―
• Beta (1Y): -0.50
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 1,310
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): -0.19
• Shares Outstanding: 117,515,970
• 10 Day Avg. Volume: 461,191
• 30 Day Avg. Volume: 545,784
• 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: 0.55
• Enterprise Value/Revenue: 0.53
• Enterprise Value/Gross Profit: 2.22
• Enterprise Value/Ebitda: 31.50
• 1Y Price Target: $1.00
• Price Target Upside: -4.76% Downside
• Rating Consensus: Moderate Sell
• Number of Analyst Covering: 0

• Rating: 40 Underperform
• Price Target: $1.00 ▼(-4.76% Downside)

XBP's overall stock score is primarily impacted by its weak financial performance and valuation. The company's high leverage and negative equity are significant concerns, and its unprofitable status is reflected in the negative P/E ratio. Technical indicators suggest a bearish trend, adding to the overall risk profile.

XBP Europe Holdings Business Overview & Revenue Model

Company Description

XBP Global Holdings, Inc. is a pan-European integrator of bills, payments, and related solutions and services seeking to enable digital transformation of businesses. It provides business process management solutions with proprietary software suites and deep domain expertise, serving as a technology and services partner for its clients. It operates through the Bills and Payments, and Technology segments. The Bills and Payments segment focuses on optimizing how bills and payments are processed by businesses of all sizes and industries. The Technology segment refers to the sales of recurring software licenses and related maintenance, hardware solutions and related maintenance and professional services. The company is headquartered in Irving, TX.

How the Company Makes Money

XBP generates revenue through multiple streams including direct sales of software solutions, service contracts for telecommunications infrastructure projects, and licensing agreements for its proprietary technologies. The company also earns income from consultancy services tailored to optimize technology deployment in client operations. Significant partnerships with key players in the tech and telecom industries further bolster its revenue potential, allowing XBP to tap into emerging market opportunities and expand its client base.

XBP Europe Holdings Financial Statement Overview

Summary

XBP Europe Holdings faces significant financial challenges, with declining revenues, persistent losses, and a leveraged balance sheet. The company must address operational inefficiencies and improve cash flow management to stabilize its financial position and achieve profitability.

Income Statement

XBP Europe Holdings has faced declining revenues over the past years, with a significant drop from $217.5M in 2020 to $142.4M in 2024. Gross profit margins have been relatively stable, but the company has consistently reported net losses, indicating challenges in achieving profitability. The EBIT and EBITDA margins have shown some improvement, but remain low, reflecting operational inefficiencies.

Balance Sheet

The balance sheet reveals a negative stockholders' equity, indicating financial instability. The debt-to-equity ratio cannot be calculated due to negative equity, but the high level of debt relative to assets suggests significant leverage. The equity ratio is negative, highlighting a concerning financial position with liabilities exceeding assets.

Cash Flow

Cash flow analysis shows negative free cash flow in recent years, with a decline in operating cash flow. The company has struggled to generate positive cash flow from operations, which is critical for sustainability. The free cash flow to net income ratio is negative, reflecting ongoing cash flow challenges.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	139.59M	142.41M	155.18M	180.49M	205.95M	217.54M
Gross Profit	33.32M	37.89M	39.87M	43.70M	40.93M	42.05M
EBITDA	2.35M	5.77M	5.89M	2.06M	-644.00K	-14.70M
Net Income	-12.47M	-12.37M	-11.05M	-7.93M	-12.73M	-28.38M
Balance Sheet
Total Assets	98.98M	88.05M	104.43M	122.84M	127.00M	161.70M
Cash, Cash Equivalents and Short-Term Investments	9.68M	12.10M	6.54M	7.47M	2.91M	9.25M
Total Debt	36.30M	35.39M	39.19M	37.75M	45.86M	56.16M
Total Liabilities	119.36M	109.39M	117.00M	149.77M	153.53M	180.94M
Stockholders Equity	-20.39M	-21.35M	-12.57M	-26.93M	-26.53M	-19.25M
Cash Flow
Free Cash Flow	-4.33M	-6.49M	-3.36M	3.52M	-4.95M	3.21M
Operating Cash Flow	-2.04M	-5.23M	-692.00K	9.89M	-3.04M	5.40M
Investing Cash Flow	-2.42M	-1.71M	-2.67M	-6.37M	1.15M	-2.19M
Financing Cash Flow	10.71M	12.45M	-1.15M	-1.33M	-4.62M	6.23M

XBP Europe Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.05
• 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 XBP, the sentiment is Positive. The current price of 1.05 is above the 20-day moving average (MA) of 0.78, above the 50-day MA of 0.79, and above the 200-day MA of 1.03, indicating a bullish trend. The MACD of 0.10 indicates Negative momentum. The RSI at 73.99 is Negative, neither overbought nor oversold. The STOCH value of 94.33 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for XBP.

XBP Europe Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
VRAR	57 Neutral	31.16M	-4.82	0.00%	―	-12.30%	76.19%
KPLT	53 Neutral	95.78M	-2.89	59.15%	―	13.23%	-1.78%
MSAI	40 Neutral	25.40M	-1.07	-194.22%	―	0.00%	0.00%
XBP	40 Underperform	$133.97M	―	87.90%	―	―	―
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%

XBP Europe Holdings Corporate Events

XBP Europe Holdings Reports Strong Q2 Financial Results

On August 14, 2025, XBP Global Holdings, Inc. announced its second-quarter financial results, highlighting a 17.8% year-over-year revenue increase to $39.6 million and a 173.8% rise in adjusted EBITDA. The company completed its acquisition of Exela Technologies BPA, LLC, leading to a name change and expanded global presence, with expectations of annual revenue nearing $900 million and a workforce of approximately 11,000 employees across 20 countries. The acquisition also resulted in a more diversified ownership structure and the appointment of four new board members, enhancing governance and long-term value creation.

XBP Global Holdings Completes Major Restructuring with Exela

On July 29, 2025, XBP Global Holdings, formerly known as XBP Europe Holdings, completed a significant restructuring process in collaboration with Exela Technologies BPA and its affiliates. This restructuring involved entering into various agreements, including a Registration Rights Agreement, a Shareholder Rights Agreement, and a Tax Funding Agreement, among others. The restructuring also saw the issuance of 81,799,821 shares of common stock and warrants, as well as the termination of certain indentures and the cancellation of obligations. The company also amended its charter to increase authorized shares and adopted new bylaws reflecting governance changes.

XBP Europe Completes Acquisition of Exela Technologies

On July 25, 2025, XBP Europe Holdings, Inc. subsidiaries entered into an Amendment Agreement with HSBC UK Bank plc, extending the termination date and amending financial covenants to support a restructuring plan. The company also held its annual meeting, where several proposals were voted on, including a name change to XBP Global Holdings, Inc., an increase in authorized shares, and a reverse stock split. On July 30, 2025, XBP Europe announced the completion of its acquisition of Exela Technologies BPA, LLC, emerging from Chapter 11. This acquisition is expected to expand XBP Global’s annual revenue to over $900 million and enhance its global presence with strategic investments in AI-powered solutions, strengthening its financial position and corporate governance.

XBP Europe Holdings Completes Exela Technologies Acquisition

On July 15, 2025, XBP Americas, a subsidiary of XBP Europe Holdings, completed the acquisition of Exela Technologies BPA, LLC, and its subsidiaries from Exela Technologies, Inc. for $1.00, due to the BPA Group’s involvement in Chapter 11 bankruptcy proceedings. The transaction, considered a related party transaction due to common ownership, is subject to conditions that could lead to its rescission if not met by August 7, 2025.

XBP Europe Holdings Acquires Exela Technologies BPA

On July 3, 2025, XBP Europe Holdings, Inc. announced its subsidiary’s entry into a Membership Interest Purchase Agreement to acquire Exela Technologies BPA, LLC and its subsidiaries for $1.00, reflecting the encumbered nature of the assets and ongoing Chapter 11 bankruptcy proceedings. The acquisition is contingent on several conditions, including court orders and restructuring plans, with a potential rescindment if the BPA Group does not emerge from bankruptcy by August 7, 2025. Additionally, XBP entered a Transaction Support Agreement to facilitate the restructuring under the Debtors’ Plan of Reorganization, which involves issuing shares of XBP common stock to satisfy claims and is part of a comprehensive settlement confirmed by the Bankruptcy Court.