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CURRENC GROUP INC (CURR) Stock Fundamental Analysis

NASDAQ:CURR - Nasdaq - KYG478621009 - Common Stock - Currency: USD

1.63  +0.1 (+6.54%)

Fundamental Rating

1

Taking everything into account, CURR scores 1 out of 10 in our fundamental rating. CURR was compared to 101 industry peers in the Financial Services industry. CURR may be in some trouble as it scores bad on both profitability and health. CURR has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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1. Profitability

1.1 Basic Checks

In the past year CURR has reported negative net income.
In the past year CURR had a positive cash flow from operations.
CURR had negative earnings in 4 of the past 5 years.
In the past 5 years CURR reported 4 times negative operating cash flow.
CURR Yearly Net Income VS EBIT VS OCF VS FCFCURR Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2020 2021 2022 2023 2024 0 -10M -20M -30M

1.2 Ratios

With a Return On Assets value of -29.37%, CURR is not doing good in the industry: 93.07% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -29.37%
ROE N/A
ROIC N/A
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
CURR Yearly ROA, ROE, ROICCURR Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2020 2021 2022 2023 2024 0 2 -2 4

1.3 Margins

CURR has a Gross Margin of 65.36%. This is in the better half of the industry: CURR outperforms 78.22% of its industry peers.
The Profit Margin and Operating Margin are not available for CURR so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 65.36%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
CURR Yearly Profit, Operating, Gross MarginsCURR Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2020 2021 2022 2023 2024 0 20 -20 -40 -60 -80

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2. Health

2.1 Basic Checks

CURR does not have a ROIC to compare to the WACC, probably because it is not profitable.
There is no outstanding debt for CURR. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
CURR Yearly Shares OutstandingCURR Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 10M 20M 30M 40M
CURR Yearly Total Debt VS Total AssetsCURR Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2021 2022 2023 50M 100M 150M 200M

2.2 Solvency

CURR has an Altman-Z score of -2.51. This is a bad value and indicates that CURR is not financially healthy and even has some risk of bankruptcy.
CURR has a Altman-Z score of -2.51. This is in the lower half of the industry: CURR underperforms 74.26% of its industry peers.
CURR has a debt to FCF ratio of 7.71. This is a slightly negative value and a sign of low solvency as CURR would need 7.71 years to pay back of all of its debts.
CURR has a Debt to FCF ratio (7.71) which is in line with its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 7.71
Altman-Z -2.51
ROIC/WACCN/A
WACC9.53%
CURR Yearly LT Debt VS Equity VS FCFCURR Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2021 2022 2023 2024 0 50M 100M 150M 200M

2.3 Liquidity

A Current Ratio of 0.61 indicates that CURR may have some problems paying its short term obligations.
CURR's Current ratio of 0.61 is on the low side compared to the rest of the industry. CURR is outperformed by 60.40% of its industry peers.
A Quick Ratio of 0.61 indicates that CURR may have some problems paying its short term obligations.
The Quick ratio of CURR (0.61) is worse than 60.40% of its industry peers.
Industry RankSector Rank
Current Ratio 0.61
Quick Ratio 0.61
CURR Yearly Current Assets VS Current LiabilitesCURR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 1M 2M 3M 4M

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3. Growth

3.1 Past

CURR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -486.80%.
EPS 1Y (TTM)-486.8%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-303.03%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A

3.2 Future

CURR is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 37.10% yearly.
Based on estimates for the next years, CURR will show a small growth in Revenue. The Revenue will grow by 7.39% on average per year.
EPS Next Y74.75%
EPS Next 2Y37.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-5.11%
Revenue Next 2Y7.39%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

CURR Yearly Revenue VS EstimatesCURR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2024 2025 2026 10M 20M 30M 40M 50M
CURR Yearly EPS VS EstimatesCURR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 -0.05 -0.1 -0.15 -0.2

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CURR. In the last year negative earnings were reported.
Also next year CURR is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CURR Price Earnings VS Forward Price EarningsCURR Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

4.2 Price Multiples

CURR's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 43.16
EV/EBITDA N/A
CURR Per share dataCURR EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 0.2 -0.2 -0.4 -0.6 -0.8 -1

4.3 Compensation for Growth

CURR's earnings are expected to grow with 37.10% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y37.1%
EPS Next 3YN/A

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5. Dividend

5.1 Amount

CURR does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CURRENC GROUP INC

NASDAQ:CURR (8/7/2025, 4:23:59 PM)

1.63

+0.1 (+6.54%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-20 2025-05-20/amc
Earnings (Next)08-14 2025-08-14
Inst Owners0.39%
Inst Owner ChangeN/A
Ins Owners3.05%
Ins Owner Change0%
Market Cap124.01M
Analysts82.86
Price Target3.57 (119.02%)
Short Float %5.5%
Short Ratio0.32
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)0%
EPS NY rev (3m)N/A
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)0%
Revenue NY rev (3m)-2.92%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.55
P/FCF 43.16
P/OCF 35.94
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.79
EYN/A
EPS(NY)-0.1
Fwd EYN/A
FCF(TTM)0.04
FCFY2.32%
OCF(TTM)0.05
OCFY2.78%
SpS0.29
BVpS-0.87
TBVpS-1.07
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -29.37%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 65.36%
FCFM 12.87%
ROA(3y)N/A
ROA(5y)N/A
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3YN/A
GM growth 5YN/A
F-Score5
Asset Turnover0.21
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 7.71
Debt/EBITDA N/A
Cap/Depr 19.91%
Cap/Sales 2.58%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.61
Quick Ratio 0.61
Altman-Z -2.51
F-Score5
WACC9.53%
ROIC/WACCN/A
Cap/Depr(3y)N/A
Cap/Depr(5y)N/A
Cap/Sales(3y)N/A
Cap/Sales(5y)N/A
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-486.8%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-303.03%
EPS Next Y74.75%
EPS Next 2Y37.1%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%N/A
Revenue Next Year-5.11%
Revenue Next 2Y7.39%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y-1157.52%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year103.73%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y619.64%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y723.91%
OCF growth 3YN/A
OCF growth 5YN/A