XTM (CNSX:PAID) - Stock Price, News & Analysis

PAID Stock Overview

A fintech innovator, provides disseminating earned wages and gratuities access to service workers in the hospitality and personal care space. More details

PAID fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	0/6
Financial Health	2/6
Dividends	0/6

Rewards

Trading at 79.4% below our estimate of its fair value

Risk Analysis

Shares are highly illiquid

Negative shareholders equity

Earnings have declined by 48% per year over past 5 years

Does not have a meaningful market cap (CA$24M)

+ 1 more risk

XTM Inc. Competitors

POSaBIT Systems

CNSX:PBIT

CA$18.0m

Banxa Holdings

TSXV:BNXA

CA$61.1m

Payfare

TSX:PAY

CA$103.9m

Mobilum Technologies

CNSX:MBLM

CA$4.7m

Price History & Performance

Summary of all time highs, changes and price drops for XTM
Historical stock prices
Current Share Price	CA$0.12
52 Week High	CA$0.20
52 Week Low	CA$0.05
Beta	0.84
11 Month Change	91.67%
3 Month Change	n/a
1 Year Change	15.00%
33 Year Change	-72.62%
5 Year Change	n/a
Change since IPO	-37.84%

Recent updates

Is XTM (CSE:PAID) Weighed On By Its Debt Load?

Aug 27

Shareholder Returns

	PAID	CA Diversified Financial	CA Market
7D	35.3%	2.4%	-0.6%
1Y	15.0%	19.2%	20.4%

Return vs Industry: PAID underperformed the Canadian Diversified Financial industry which returned 19.2% over the past year.

Return vs Market: PAID underperformed the Canadian Market which returned 20.4% over the past year.

Price Volatility

Is PAID's price volatile compared to industry and market?
PAID volatility
PAID Average Weekly Movement	n/a
Diversified Financial Industry Average Movement	4.6%
Market Average Movement	8.3%
10% most volatile stocks in CA Market	17.5%
10% least volatile stocks in CA Market	2.9%

Stable Share Price: PAID's share price has been volatile over the past 3 months compared to the Canadian market.

Volatility Over Time: Insufficient data to determine PAID's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2005	n/a	Marilyn Schaffer	xtminc.com

XTM Inc., a fintech innovator, provides disseminating earned wages and gratuities access to service workers in the hospitality and personal care space. It offers Today Solution, a bespoke solution that consists of free mobile app and a visa or Mastercard debit card for restaurateurs and personal care services operators and their staff. In addition, it provides visa direct and Mastercard send, pre-authorized, direct deposit, and digital banking products.

XTM Inc. Fundamentals Summary

How do XTM's earnings and revenue compare to its market cap?
PAID fundamental statistics
Market cap	CA$24.26m
Earnings (TTM)	-CA$21.83m
Revenue (TTM)	CA$7.69m

3.2x

P/S Ratio

-1.1x

P/E Ratio

Is PAID overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
PAID income statement (TTM)
Revenue	CA$7.69m
Cost of Revenue	CA$7.70m
Gross Profit	-CA$7.37k
Other Expenses	CA$21.82m
Earnings	-CA$21.83m

Last Reported Earnings

Jun 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	-0.10
Gross Margin	-0.096%
Net Profit Margin	-283.78%
Debt/Equity Ratio	-79.9%

How did PAID perform over the long term?

See historical performance and comparison

PAID Stock Overview

Rewards

Risk Analysis

XTM Inc. Competitors

CNSX:PBIT

CA$18.0m

TSXV:BNXA

CA$61.1m

TSX:PAY

CA$103.9m

CNSX:MBLM

CA$4.7m

Price History & Performance

Recent News & Updates

XTM Inc. announced that it expects to receive CAD 7.0004 million in funding

New major risk - Market cap size

Less than half of directors are independent

Xtm Inc. Appoints Mr. Jakob Ripshtein as New Chief Financial Officer

New major risk - Share price stability

New minor risk - Financial data availability

Recent updates

XTM Inc. announced that it expects to receive CAD 7.0004 million in funding

New major risk - Market cap size

Less than half of directors are independent

Xtm Inc. Appoints Mr. Jakob Ripshtein as New Chief Financial Officer

New major risk - Share price stability

New minor risk - Financial data availability

XTM Inc. announced that it has received $12.178468 million in funding

XTM Inc. announced that it expects to receive $5 million in funding

Third quarter 2023 earnings released: CA$0.027 loss per share (vs CA$0.011 loss in 3Q 2022)

New major risk - Market cap size

Second quarter 2023 earnings released: CA$0.014 loss per share (vs CA$0.011 loss in 2Q 2022)

XTM Inc. (CNSX:PAID) completed the acquisition of QRails, Inc. for $3.5 million.

New minor risk - Shareholder dilution

XTM Inc. to Report Q1, 2023 Results on Jun 30, 2023

Third quarter 2022 earnings: Revenues in line with analyst expectations

XTM Inc. Announces Executive Changes

Second quarter 2022 earnings: EPS and revenues miss analyst expectations

XTM Inc., Annual General Meeting, Oct 12, 2022

XTM Inc. Launches Stand Alone Tip Pool & Tip Share Automation Product

First quarter 2022 earnings released: CA$0.009 loss per share (vs CA$0.007 loss in 1Q 2021)

XTM Inc. Appoints Veer Siddiqui as Chief Operating Officer and General Counsel

Full year 2021 earnings released: CA$0.034 loss per share (vs CA$0.036 loss in FY 2020)

Less than half of directors are independent

XTM to Roll-Out 100,000 Mobile Wallets and Virtual Debit Cards Across the United States

Third quarter 2021 earnings: Revenues in line with analyst expectations

XTM Inc. announced that it expects to receive CAD 6 million in funding

Chief Financial Officer Dan Tyler has left the company

Is XTM (CSE:PAID) Weighed On By Its Debt Load?

Second quarter 2021 earnings released

XTM Inc. (CNSX:PAID) acquired assets of Tiproll.

First quarter 2021 earnings released

XTM Inc. Announces Launch of Its Full U.S. Roll-Out of the Today Instant Employee Payout Solution

Full year 2020 earnings released

XTM's TodayTM Program Begins Boston Pizza Franchisee Onboarding with Maceachern Group

Maple Leaf Sports and Entertainment Selects Today™ Mastercard® Program for Instant Employee Payouts

XTM Inc. announced that it has received CAD 1.175 million in funding

New 90-day high: CA$0.43

XTM Inc. announced that it expects to receive CAD 1 million in funding

XTM Inc. (CNSX:PAID) signed a Letter of Intent to acquire Harlo Entertainment.

Xtm Inc. Signs Letter of Intent with North American-Based Harlo Entertainment

XTM Inc. to Launch Direct Deposit for Its Today™ Card Holders

New 90-day high: CA$0.24

XTM Inc. to Go Live on BlackFox Restaurant Management Tracking App with TodayTM Program

XTM Inc. Goes Live with the Integration of the Today Program to the DELIVER Plus Point-of-Sale System

XTM, Inc. Announces That Today Mobile App and Mastercard Instant Payout Solution Was Chosen by Earls Restaurants as Their Payment Solution

New 90-day high: CA$0.20

XTM, Inc. and KABN Systems North America Inc. Launches KABN Visa Card

XTM, Inc. Completes Its 2.0 Fintech Platform

XTM to Offer Micro-Credit and Credit-Score Build/Repair to its Today™ Card Holders

Third quarter 2020 earnings released: CA$0.004 loss per share

XTM Launches Vert Visa Credit Card to Provide the Newly-Banked and Underbanked Access to Unsecured Credit

XTM Inc. announced that it has received CAD 0.821523 million in funding

XTM to Deliver North America's First EMV and Contactless Enabled Instant Cash to Card Kiosk

First half earnings released

XTM Inc. to Report Q2, 2021 Results on Sep 30, 2020

Shareholder Returns

Price Volatility

About the Company

XTM Inc. Fundamentals Summary