XTM (XTMIF) Return-on-Tangible-Asset: -35.28% (As of Sep. 2025)


What is XTM Return-on-Tangible-Asset?

XTM XTMIF -99.93% Return-on-Tangible-Asset is -35.28% as of Sep. 2025. The stock has 6 warning signs investors should review. Among 2,877 Software companies, XTM ranks worse than 82.66% on this metric.

Return-on-Tangible-Asset is calculated as Net Income divided by its average total tangible assets. Total tangible assets equals to Total Assets minus Intangible Assets. XTM's annualized Net Income for the quarter that ended in Sep. 2025 was $-14.54 Mil. XTM's average total tangible assets for the quarter that ended in Sep. 2025 was $41.20 Mil. Therefore, XTM's annualized Return-on-Tangible-Asset for the quarter that ended in Sep. 2025 was -35.28%.

The historical rank and industry rank for XTM's Return-on-Tangible-Asset or its related term are showing as below:

XTMIF' s Return-on-Tangible-Asset Range Over the Past 10 Years
Min: -63.61   Med: -29.46   Max: -15.65
Current: -34.14

During the past 7 years, XTM's highest Return-on-Tangible-Asset was -15.65%. The lowest was -63.61%. And the median was -29.46%.

XTMIF's Return-on-Tangible-Asset is ranked worse than
82.66% of 2877 companies
in the Software industry
Industry Median: 2.07 vs XTMIF: -34.14

XTM  (OTCPK:XTMIF) Return-on-Tangible-Asset Explanation

Return-on-Tangible-Asset measures the rate of return on the average total tangible assets (total assets minus intangible assets). Tangible means physical in nature. Intangible Assets are assets that are not physical in nature, and typically "derive their value from legal or intellectual rights." Return-on-Tangible-Asset measures a firm's efficiency at generating profits from its tangible assets. It shows how well a company uses what it has to generate earnings. Return-on-Tangible-Assets can vary drastically across industries. Therefore, Return-on-Tangible-Asset should not be used to compare companies in different industries.


Be Aware

Like ROE and ROA, Return-on-Tangible-Asset is calculated with only 12 months data. Fluctuations in the company’s earnings or business cycles can affect the ratio drastically. It is important to look at the ratio from a long term perspective. Return-on-Tangible-Asset can be affected by events such as stock buyback or issuance, and by a company’s tax rate and its interest payment. Return-on-Tangible-Asset may not reflect the true earning power of the assets. A more accurate measurement is ROC % (ROC).

Many analysts argue the higher return the better. Buffett states that really high Return-on-Tangible-Asset may indicate vulnerability in the durability of the competitive advantage.


XTM Return-on-Tangible-Asset Related Terms


XTM Return-on-Tangible-Asset Historical Data

* Premium members only.

The historical data trend for XTM's Return-on-Tangible-Asset 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 Return-on-Tangible-Asset Chart

XTM Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Return-on-Tangible-Asset
Get a 7-Day Free Trial -64.25 -24.63 -15.28 -29.65 -36.14

XTM Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
Return-on-Tangible-Asset 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 -26.39 -50.06 -22.20 -25.39 -35.28

XTMIF vs FRQN, GTCH, GTLL: Return-on-Tangible-Asset Comparison

For the Information Technology Services subindustry, XTM's Return-on-Tangible-Asset, along with its competitors' market caps and Return-on-Tangible-Asset 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 Return-on-Tangible-Asset vs Software Industry

For the Software industry and Technology sector, XTM's Return-on-Tangible-Asset distribution charts can be found below:

* The bar in red indicates where XTM's Return-on-Tangible-Asset falls into.



XTM Return-on-Tangible-Asset Calculation

XTM's annualized Return-on-Tangible-Asset for the fiscal year that ended in Dec. 2024 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(A: Dec. 2024 )  (A: Dec. 2023 )(A: Dec. 2024 )
=-16.104/( (39.792+49.322)/ 2 )
=-16.104/44.557
=-36.14 %

XTM's annualized Return-on-Tangible-Asset for the quarter that ended in Sep. 2025 is calculated as:

Return-on-Tangible-Asset=Net Income/( (Total Tangible Assets+Total Tangible Assets)/ count )
(Q: Sep. 2025 )  (Q: Jun. 2025 )(Q: Sep. 2025 )
=Net Income/( (Total Assets - Intangible Assets+Total Assets - Intangible Assets)/ count )
(Q: Sep. 2025 )  (Q: Jun. 2025 )(Q: Sep. 2025 )
=-14.536/( (42.663+39.73)/ 2 )
=-14.536/41.1965
=-35.28 %

* 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.

In the calculation of annual Return-on-Tangible-Asset, the net income of the last fiscal year and the average total tangible assets over the fiscal year are used. In calculating the quarterly data, the Net Income data used here is four times the quarterly (Sep. 2025) net income data.

What does a Return-on-Tangible-Asset of -35.28% mean?
XTM (XTMIF) has a Return-on-Tangible-Asset of -35.28% as of Sep. 2025. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on XTM and its competitors. According to the industry distribution chart, XTM ranks #2378 out of 2877 companies in the Software industry, placing it in the top 82.7%.
Is XTM's Return-on-Tangible-Asset too high?
XTM's current Return-on-Tangible-Asset is -35.28%. Based on the distribution chart, XTM ranks #2378 out of 2877 companies in the Software industry, which is in the bottom quartile relative to peers.
How does XTM's Return-on-Tangible-Asset compare to FRQN and GTCH?
According to the Software industry distribution chart, XTM ranks #2378 out of 2877 companies for Return-on-Tangible-Asset. This places XTM in the lower half of its industry. The industry median Return-on-Tangible-Asset is 2.07. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Return-on-Tangible-Asset for a Software company?
The median Return-on-Tangible-Asset among Software companies is 2.07, based on 2,877 companies in the industry. Companies in the top quartile (top 25%) have a Return-on-Tangible-Asset significantly above this median, while those in the bottom quartile fall well below. However, Return-on-Tangible-Asset 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 Return-on-Tangible-Asset mean?
A high Return-on-Tangible-Asset can signal that a stock is expensive relative to its fundamentals. Return on tangible assets is the ratio of current-period net income to average two-period tangible assets. View historical data on XTM and its competitors. For the Software industry, the median Return-on-Tangible-Asset is 2.07 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. XTM's current Return-on-Tangible-Asset is -35.28%. 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 Return-on-Tangible-Asset is -35.28%. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Return-on-Tangible-Asset calculated?
Return-on-Tangible-Asset is calculated from a company's financial statements. For XTM (XTMIF), the current Return-on-Tangible-Asset is -35.28% 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.