XTM (FRA:7XT) Long-Term Debt: €0.68 Mil (As of Sep. 2025)

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Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

FRA:7XT XTM Inc FRA:7XT
10 GF Score
Price €0.00
GF Value €0.06
! 6 Warning Signs
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What is XTM Long-Term Debt?

XTM FRA:7XT 10 Long-Term Debt is €0.68 Mil as of Sep. 2025. GuruFocus rates FRA:7XT with a GF Score™ of 10/100 and a GF Value™ of €0.06. The stock has 6 warning signs investors should review.

XTM's Long-Term Debt for the quarter that ended in Sep. 2025 was €0.68 Mil.

XTM's quarterly Long-Term Debt declined from Mar. 2025 (€7.05 Mil) to Jun. 2025 (€0.60 Mil) but then increased from Jun. 2025 (€0.60 Mil) to Sep. 2025 (€0.68 Mil).

XTM's annual Long-Term Debt increased from Dec. 2022 (€0.00 Mil) to Dec. 2023 (€1.80 Mil) and increased from Dec. 2023 (€1.80 Mil) to Dec. 2024 (€7.33 Mil).

XTM  (FRA:7XT) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

XTM Long-Term Debt Related Terms

XTM Long-Term Debt Historical Data

* Premium members only.

The historical data trend for XTM's Long-Term Debt can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

XTM Long-Term Debt Chart

XTM Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Long-Term Debt
Get a 7-Day Free Trial 0.00 0.00 0.00 1.80 7.33

XTM Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
Long-Term Debt Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 6.28 7.33 7.05 0.60 0.68
FRA:7XT
10GF Score
XTM Inc FRA:7XT
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of €0.68 Mil mean?
XTM (FRA:7XT) has a Long-Term Debt of €0.68 Mil as of Sep. 2025.
Is XTM's Long-Term Debt too high?
XTM's current Long-Term Debt is €0.68 Mil. Overall, XTM has a GF Score™ of 10/100, reflecting its overall financial health beyond just this single metric.
How does XTM's Long-Term Debt compare to FRQN and GTCH?
XTM's Long-Term Debt of €0.68 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Software company?
A good Long-Term Debt depends on the Software industry context. However, Long-Term Debt should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. XTM's current Long-Term Debt is €0.68 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is XTM stock overvalued right now?
XTM (FRA:7XT) has a current Long-Term Debt of €0.68 Mil. The stock's GF Value™ is €0.06, compared to a current price of €0.00 — trading 93% below its estimated fair value. The current Long-Term Debt is €0.68 Mil. XTM's overall GF Score™ is 10/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For XTM (FRA:7XT), the current Long-Term Debt is €0.68 Mil as of Sep. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is XTM (FRA:7XT) Overvalued in 2026?

Based on GuruFocus' analysis, XTM stock appears to be undervalued. The current stock price of €0.00 is trading 93% below its estimated GF Value™ of €0.06.

Key valuation signals for FRA:7XT:

  • Long-Term Debt: €0.68 Mil
  • GF Value™: €0.06 vs. price of €0.00 (93% below fair value)
  • GF Score™: 10/100 with 6 warning signs

No single metric tells the full story. See the FRA:7XT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

XTM Business Description

Other Exchanges XTMIF:USA
Address 67 Mowat Avenue, Suite 437, Toronto, ON, CAN, M6K 1E3
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.
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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.00
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€0.06
GF Value