XBP Europe Holdings (XBP)
NASDAQ:XBP
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XBP Europe Holdings
(NASDAQ:XBP)
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Rating:41Neutral
Price Target:
$2.50
▼(-68.27% Downside)
Action:ReiteratedDate:04/11/26
The score is held down primarily by weak financial performance (sharp TTM losses, multi-year revenue contraction, and heavy negative free cash flow) and a strongly bearish technical trend (price far below key moving averages with negative MACD). Corporate financing amendments modestly improve liquidity flexibility, but do not fully offset profitability and cash-burn risk; valuation is difficult to assess due to negative earnings and no dividend yield.
Positive Factors
Recurring, contract-based service model
XBP’s core revenue comes from recurring, contract-based managed services and software fees tied to volume and subscriptions. That business model creates customer stickiness, predictable cash inflows and operating leverage potential as automation scales, supporting revenue stability over several months.
Negative Factors
Severe negative cash generation
Sustained, large negative operating and free cash flow is a structural concern: it forces ongoing reliance on external financing, constrains reinvestment and increases dilution or covenant pressure. Persistent cash burn limits the firm's ability to invest in automation or sales to reverse declines over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Recurring, contract-based service model
XBP’s core revenue comes from recurring, contract-based managed services and software fees tied to volume and subscriptions. That business model creates customer stickiness, predictable cash inflows and operating leverage potential as automation scales, supporting revenue stability over several months.
Read all positive factors
XBP Europe Holdings (XBP) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$31.66M
Dividend YieldN/A
Average Volume (3M)648.48K
Price to Earnings (P/E)―
Beta (1Y)0.45
Revenue GrowthN/A
EPS GrowthN/A
CountryUS
Employees1,310
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)-3.85
Shares Outstanding11,768,050
10 Day Avg. Volume292,541
30 Day Avg. Volume648,475
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)0.92
Price to Sales (P/S)0.10
P/FCF Ratio-0.53
Enterprise Value/Market Cap2.10
Enterprise Value/Revenue0.13
Enterprise Value/Gross Profit0.67
Enterprise Value/Ebitda-0.25
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
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 suite...
How the Company Makes Money
XBP primarily makes money by selling outsourced processing and managed services that take over specific client business workflows (e.g., handling high-volume documents and transaction processing) and by providing software-enabled solutions that su...
XBP Europe Holdings Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
34
Negative
Cash Flow
16
Very Negative
| Breakdown | Dec 2025 | Dec 2024 | Mar 2024 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 791.04M | 142.77M | 155.18M | 180.49M | 205.95M |
| Gross Profit | 123.13M | 38.26M | 39.87M | 43.70M | 40.93M |
| EBITDA | 60.63M | 6.42M | 5.89M | 2.09M | -1.81M |
| Net Income | 1.10B | -12.37M | -11.05M | -7.93M | -12.73M |
Balance Sheet | |||||
| Total Assets | 902.10M | 88.05M | 102.74M | 122.84M | 127.00M |
| Cash, Cash Equivalents and Short-Term Investments | 37.11M | 12.10M | 6.54M | 7.47M | 2.91M |
| Total Debt | 77.92M | 35.39M | 23.63M | 37.75M | 45.86M |
| Total Liabilities | 814.76M | 109.39M | 115.31M | 149.77M | 153.53M |
| Stockholders Equity | 87.34M | -21.35M | -12.57M | -26.93M | 240.65M |
Cash Flow | |||||
| Free Cash Flow | -150.59M | -6.49M | -3.87M | 3.52M | -4.95M |
| Operating Cash Flow | -141.71M | -5.23M | -1.53M | 9.89M | -3.04M |
| Investing Cash Flow | -9.03M | -1.71M | -2.67M | -6.37M | 1.15M |
| Financing Cash Flow | 158.37M | 12.45M | -305.00K | -1.33M | -4.62M |
XBP Europe Holdings Technical Analysis
Negative
7.88
Price Trends
5.94
Negative
6.40
Negative
6.96
Negative
Market Momentum
-0.77
Positive
26.66
Positive
3.71
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For XBP, the sentiment is Negative. The current price of 7.88 is above the 20-day moving average (MA) of 4.13, above the 50-day MA of 5.94, and above the 200-day MA of 6.96, indicating a bearish trend. The MACD of -0.77 indicates Positive momentum. The RSI at 26.66 is Positive, neither overbought nor oversold. The STOCH value of 3.71 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for XBP.
XBP Europe Holdings Risk Analysis
XBP Europe Holdings disclosed 42 risk factors in its most recent earnings report. XBP Europe Holdings reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks
XBP Europe Holdings Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
57 Neutral | $39.29M | 22.16 | 0.58% | ― | 20.68% | 84.51% | |
45 Neutral | $32.68M | -0.75 | -3.86% | ― | 134.43% | 95.39% | |
44 Neutral | $31.17M | 23.79 | -3.13% | ― | 16.56% | 28.25% | |
41 Neutral | $31.66M | -0.44 | -2369.34% | ― | ― | ― |
* Technology Sector Average
XBP
XBP Europe Holdings
2.69
-7.71
-74.13%
SOS
SOS
1.01
-3.42
-77.20%
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6.85
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KPLT
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-0.80
-10.01%
XBP Europe Holdings Corporate Events
Business Operations and StrategyPrivate Placements and Financing
XBP Europe Updates Asset-Based Credit Facility Terms
Positive
Mar 12, 2026
On March 6, 2026, XBP Americas, LLC entered into a Limited Waiver and Third Amendment to its asset-based Credit and Security Agreement, originally dated July 29, 2025 and previously amended in December 2025 and January 2026. The new amendment remo...
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.