XTM Inc (XTMIF) Stock Price, Trades & News

XTM Inc is a fintech innovator with offices in Toronto and Miami. Through its AnyDay platform XTM delivers instant pay and Earned Wage Access solutions to restaurants, hospitality, personal care, and staffing sectors. The company was founded in the cloud-banking space to further support businesses to inspire their workforce in the hospitality, personal care and services staffing industries, the company provides on-demand pay for many large brands, including Earls, Maple Leaf Sports & Entertainment, Cactus Club, Marriott Hotels and Live Nation.

Financial Strength

Name	Current	Vs Industry
Equity-to-Asset	-0.72
Debt-to-Equity	-0.28
Debt-to-EBITDA	-0.63
Piotroski F-Score	5/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	-3.6	Distress Grey Safe
Beneish M-Score	-5.17	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	37.9
	3-Year EBITDA Growth Rate	-36.7
	3-Year EPS without NRI Growth Rate	-35.3
	3-Year FCF Growth Rate	-15.7

Momentum Rank

	Name	Current	Vs Industry		Vs History
	14-Day RSI	0.32
	6-1 Month Momentum %	-70.17
	12-1 Month Momentum %	-87.94

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.58
	Quick Ratio	0.58
	Days Inventory	5.65
	Days Sales Outstanding	19.04
	Days Payable	459.91

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	3-Year Average Share Buyback Ratio	-10.2
	Shareholder Yield %	-61.9

Profitability Rank

	Name	Current	Vs Industry		Vs History
	Gross Margin %	8.27
	Operating Margin %	-144.82
	Net Margin %	-204.8
	EBITDA Margin %	-176.27
	FCF Margin %	-15.7
	OCF Margin %	-15.64
	ROA %	-31.12
	ROIC %	-17.1
	3-Year ROIIC %	-21.94
	ROC (Joel Greenblatt) %	-4375.45
	Moat Score	2
	Tariff Resilience Score	5

GF Value Rank

2/10

	Name	Current	Vs Industry		Vs History
	PS Ratio	0.23
	EV-to-EBIT	-0.71
	EV-to-EBITDA	-0.79
	EV-to-Revenue	1.38
	EV-to-FCF	-9.75
	Price-to-GF-Value	0.07
	Earnings Yield (Greenblatt) %	-140.85
	FCF Yield %	-51.29

GF Value™: $0.02

XTMIF

Warning Signs

Warning! GuruFocus detected 5 Severe warning signs with XTMIF. Try a 7-Day Free Trial to check it out.

XTM Inc Filings

10-K10-QForm 4Others

	Filing Date	Document Date	Form
No Filing Data

XTM Inc Stock Events

Financials Calendars

	Event	Date	Price ($)
No Event Data

Guru Commentaries on OTCPK:XTMIF

No articles.

Press Release

	Subject	Date
	XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order	2026-02-19
	UPDATE: XTM Inc. Clarifies RPAA-Related Disclosure and Regulatory Continuity	2026-02-04
	Everyday Payments, Commences RPAA Compliance Process for Thousands of Hospitality Businesses	2026-02-02
	XTM Inc. Announces Board Changes and Appoints Keith Nugara as Board Advisor to Accelerate Strategic Execution and Market Expansion	2026-01-13
	XTM Inc., Through Everyday Payments, Completes Migration of 100,000+ Members to Virtual Tokenized Wallet Platform; Signals Growing Demand for Lending Solutions	2026-01-08
	XTM Files Q3 2025 Interim Financial Results	2025-12-02
	XTM Signs Letter of Intent with AGORACOM RWA DBX for Preferred Share Tokenization of U.S. Subsidiary	2025-11-18
	XTM Inc. Issues Shares in Settlement of Convertible Debentures Interest	2025-10-29
	Everyday People Financial Corp. and XTM Inc. Announce Strategic Management Services Agreement to Integrate Canadian Payments Operation	2025-10-24
	XTM Closes Strategic Asset Sale to Pateno Payments	2025-09-18

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Articles on XTM Inc

No articles.

Headlines

No news.

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