XTM (XTMIF) Short-Term Debt: $7.29 Mil (As of Sep. 2025)


What is XTM Short-Term Debt?

XTM XTMIF -99.93% Short-Term Debt is $7.29 Mil as of Sep. 2025. The stock has 6 warning signs investors should review.

XTM's Short-Term Debt for the quarter that ended in Sep. 2025 was $7.29 Mil.

XTM's quarterly Short-Term Debt increased from Mar. 2025 ($0.18 Mil) to Jun. 2025 ($7.14 Mil) and increased from Jun. 2025 ($7.14 Mil) to Sep. 2025 ($7.29 Mil).

XTM's annual Short-Term Debt declined from Dec. 2022 ($0.04 Mil) to Dec. 2023 ($0.00 Mil) but then increased from Dec. 2023 ($0.00 Mil) to Dec. 2024 ($3.50 Mil).

XTM Short-Term Debt Explanation

Short-Term Debt represents the total amount of Long-Term Debt such as bank loans and commercial paper, which is due within one year.

XTM Short-Term Debt Related Terms

XTM Short-Term Debt Historical Data

* Premium members only.

The historical data trend for XTM's Short-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 Short-Term Debt Chart

XTM Annual Data
Trend Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24
Short-Term Debt
Get a 7-Day Free Trial 0.40 0.05 0.04 0.00 3.50

XTM Quarterly Data
Dec20 Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25
Short-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 2.80 3.50 0.18 7.14 7.29
Frequently Asked Questions Learn more about Short-Term Debt →
What does a Short-Term Debt of $7.29 Mil mean?
XTM (XTMIF) has a Short-Term Debt of $7.29 Mil as of Sep. 2025.
Is XTM's Short-Term Debt too high?
XTM's current Short-Term Debt is $7.29 Mil.
How does XTM's Short-Term Debt compare to FRQN and GTCH?
XTM's Short-Term Debt of $7.29 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 Short-Term Debt for a Software company?
A good Short-Term Debt depends on the Software industry context. However, Short-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 Short-Term Debt mean?
A high Short-Term Debt can signal that a stock is expensive relative to its fundamentals. XTM's current Short-Term Debt is $7.29 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 Short-Term Debt is $7.29 Mil. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Short-Term Debt calculated?
Short-Term Debt is calculated from a company's financial statements. For XTM (XTMIF), the current Short-Term Debt is $7.29 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.