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XTM CNSX:PAID Stock Report

Last Price

CA$0.06

Market Cap

CA$13.7m

7D

-14.3%

1Y

-20.0%

Updated

18 Dec, 2024

Data

Company Financials

XTM Inc.

CNSX:PAID Stock Report

Market Cap: CA$13.7m

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
Valuation3/6
Future Growth0/6
Past Performance0/6
Financial Health2/6
Dividends0/6

Rewards

Trading at 4.3% below our estimate of its fair value

Risk Analysis

Highly volatile share price over the past 3 months compared to the Canadian market

Does not have a meaningful market cap (CA$14M)

Negative shareholders equity

Earnings have declined by 47.1% per year over past 5 years

+ 1 more risk

My Notes

Capture your thoughts, links and company narrative

XTM Inc. Competitors

POSaBIT Systems

CNSX:PBIT

CA$11.7m

RevoluGROUP Canada

TSXV:REVO

CA$4.5m

Mobilum Technologies

CNSX:MBLM

CA$4.7m

Banxa Holdings

TSXV:BNXA

CA$53.8m

Price History & Performance

Summary of share price highs, lows and changes for XTM
Historical stock prices
Current Share PriceCA$0.06
52 Week HighCA$0.20
52 Week LowCA$0.05
Beta0.67
1 Month Change-47.83%
3 Month Changen/a
1 Year Change-20.00%
3 Year Change-85.00%
5 Year Changen/a
Change since IPO-67.57%

Recent News & Updates

Recent updates

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

Aug 27
Is XTM (CSE:PAID) Weighed On By Its Debt Load?

Shareholder Returns

PAIDCA Diversified FinancialCA Market
7D-14.3%-2.0%-4.1%
1Y-20.0%10.4%16.7%

Return vs Industry: PAID underperformed the Canadian Diversified Financial industry which returned 11.3% over the past year.

Return vs Market: PAID underperformed the Canadian Market which returned 17.8% over the past year.

Price Volatility

Is PAID's price volatile compared to industry and market?
PAID volatility
PAID Average Weekly Movement29.4%
Diversified Financial Industry Average Movement4.5%
Market Average Movement8.2%
10% most volatile stocks in CA Market17.8%
10% least volatile stocks in CA Market2.9%

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

Volatility Over Time: PAID's weekly volatility has increased from 22% to 29% over the past year.

About the Company

FoundedEmployeesCEOWebsite
2005n/aMarilyn Schafferxtminc.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 capCA$13.71m
Earnings (TTM)-CA$20.99m
Revenue (TTM)CA$8.21m

1.5x

P/S Ratio

-0.6x

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)
RevenueCA$8.21m
Cost of RevenueCA$8.15m
Gross ProfitCA$57.34k
Other ExpensesCA$21.05m
Earnings-CA$20.99m

Last Reported Earnings

Sep 30, 2024

Next Earnings Date

n/a

Earnings per share (EPS)-0.10
Gross Margin0.70%
Net Profit Margin-255.63%
Debt/Equity Ratio-58.1%

How did PAID perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2024/12/18 05:53
End of Day Share Price 2024/12/18 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

XTM Inc. is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Lisa ThompsonZacks Small-Cap Research