XTM (XTMIF) Pre-Tax Income: $-14.69 Mil (TTM As of Sep. 2025)

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What is XTM Pre-Tax Income?

XTM XTMIF Pre-Tax Income is $-14.69 Mil as of Sep. 2025. The stock has 6 warning signs investors should review.

Pretax income is the income that a company earns before paying income taxes. XTM's pretax income for the three months ended in Sep. 2025 was $-3.65 Mil. Its pretax income for the trailing twelve months (TTM) ended in Sep. 2025 was $-14.69 Mil. XTM's pretax margin was -207.35%.

During the past 7 years, XTM's highest Pretax Margin was -145.93%. The lowest was -421.69%. And the median was -237.39%.

XTM  (OTCPK:XTMIF) Pre-Tax Income Explanation

XTM's Pretax Margin for the quarter that ended in Sep. 2025 is calculated as

Pretax Margin=Pretax Income/Revenue
=-3.6502205057142/1.7604342593188
=-207.35%

During the past 7 years, XTM's highest Pretax Margin was -145.93%. The lowest was -421.69%. And the median was -237.39%.

* 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 Pre-Tax Income Related Terms

XTM Pre-Tax Income Historical Data

* Premium members only.

The historical data trend for XTM's Pre-Tax Income 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 Pre-Tax Income Chart

XTM Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Pre-Tax Income
Get a 7-Day Free Trial -2.68 -4.35 -5.58 -11.92 -16.75

XTM Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
Pre-Tax Income 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 -3.05 -6.24 -2.40 -2.50 -3.65

XTMIF vs FRQN, HWNI, SLAIY: Pre-Tax Income Comparison

For the Information Technology Services subindustry, XTM's Pre-Tax Income, along with its competitors' market caps and Pre-Tax Income data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

XTM Pre-Tax Income vs Software Industry

For the Software industry and Technology sector, XTM's Pre-Tax Income distribution charts can be found below:

* The bar in red indicates where XTM's Pre-Tax Income falls into.


XTM Pre-Tax Income Calculation

This is the income that a company earns before paying income taxes.

XTM's Pretax Income for the fiscal year that ended in Dec. 2024 is calculated as

Pretax Income=Operating Income+Non Operating Income+Interest Expense+Interest Income+Other
=-13.688121063057++-1.1695517742021+0+-1.8896872964199
=-16.75

XTM's Pretax Income for the quarter that ended in Sep. 2025 is calculated as

Pretax Income=Operating Income+Non Operating Income+Interest Expense+Interest Income+Other
=-2.1852108950662++-0.58267502786729+0+-0.88233458278071
=-3.65

Pre-Tax Income for the trailing twelve months (TTM) ended in Sep. 2025 adds up the quarterly data reported by the company within the most recent 12 months, which was $-14.69 Mil.

* 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.

Frequently Asked Questions Learn more about Pre-Tax Income →
What does a Pre-Tax Income of $-14.69 Mil mean?
XTM (XTMIF) has a Pre-Tax Income of $-14.69 Mil as of Sep. 2025. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on XTM and its competitors.
Is XTM's Pre-Tax Income too high?
XTM's current Pre-Tax Income is $-14.69 Mil.
How does XTM's Pre-Tax Income compare to FRQN and HWNI?
XTM's Pre-Tax Income of $-14.69 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 Pre-Tax Income for a Software company?
A good Pre-Tax Income depends on the Software industry context. However, Pre-Tax Income 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 Pre-Tax Income mean?
A high Pre-Tax Income can signal that a stock is expensive relative to its fundamentals. Pre-Tax Income is the total earnings before taxes but after all operating and interest expenses. View historical data on XTM and its competitors. XTM's current Pre-Tax Income is $-14.69 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?
Based on GuruFocus' analysis, XTM (XTMIF) is currently considered Possible Value Trap. The stock's GF Value™ is $0.10, compared to a current price of $0.00 — trading 98.6% below its estimated fair value. The current Pre-Tax Income is $-14.69 Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pre-Tax Income calculated?
Pre-Tax Income is calculated from a company's financial statements. For XTM (XTMIF), the current Pre-Tax Income is $-14.69 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.

XTM Business Description

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.