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CURRENC GROUP INC (CURR) Stock Fundamental Analysis

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

1.49  -0.08 (-5.1%)

After market: 1.47 -0.02 (-1.34%)

Fundamental Rating

1

Taking everything into account, CURR scores 1 out of 10 in our fundamental rating. CURR was compared to 100 industry peers in the Financial Services industry. Both the profitability and financial health of CURR have multiple concerns. CURR is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year CURR has reported negative net income.
CURR had a positive operating cash flow in the past year.
In the past 5 years CURR reported 4 times negative net income.
CURR had negative operating cash flow in 4 of the past 5 years.
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

The Return On Assets of CURR (-29.37%) is worse than 94.00% of its industry peers.
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

Looking at the Gross Margin, with a value of 65.36%, CURR is in the better half of the industry, outperforming 79.00% of the companies in the same industry.
CURR does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
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

Based on the Altman-Z score of -2.50, we must say that CURR is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -2.50, CURR is not doing good in the industry: 76.00% of the companies in the same industry are doing better.
The Debt to FCF ratio of CURR is 7.71, which is on the high side as it means it would take CURR, 7.71 years of fcf income to pay off all of its debts.
CURR has a Debt to FCF ratio (7.71) which is comparable to the rest of the industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 7.71
Altman-Z -2.5
ROIC/WACCN/A
WACC9.8%
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

CURR has a Current Ratio of 0.61. This is a bad value and indicates that CURR is not financially healthy enough and could expect problems in meeting its short term obligations.
The Current ratio of CURR (0.61) is worse than 62.00% of its industry peers.
CURR has a Quick Ratio of 0.61. This is a bad value and indicates that CURR is not financially healthy enough and could expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 0.61, CURR is doing worse than 62.00% of the companies in the same industry.
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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2

3. Growth

3.1 Past

The earnings per share for CURR have decreased strongly by -486.80% in the last year.
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

The Earnings Per Share is expected to grow by 37.10% on average over the next years. This is a very strong growth
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

CURR reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for CURR. No positive earnings are expected for the next year.
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

The rest of the industry has a similar Price/Free Cash Flow ratio as CURR.
Industry RankSector Rank
P/FCF 39.45
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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0

5. Dividend

5.1 Amount

No dividends for CURR!.
Industry RankSector Rank
Dividend Yield N/A

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CURRENC GROUP INC

NASDAQ:CURR (7/14/2025, 8:00:01 PM)

After market: 1.47 -0.02 (-1.34%)

1.49

-0.08 (-5.1%)

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 Cap113.36M
Analysts82.86
Price Target3.57 (139.6%)
Short Float %1.41%
Short Ratio0.05
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)N/A
EPS NQ rev (1m)0%
EPS NQ rev (3m)N/A
EPS NY rev (1m)-40%
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)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 5.08
P/FCF 39.45
P/OCF 32.86
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
FCFY2.53%
OCF(TTM)0.05
OCFY3.04%
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 -2.5
F-Score5
WACC9.8%
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