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CURRENC GROUP INC (CURR) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:CURR - KYG478621009 - Common Stock

1.61 USD
-0.04 (-2.42%)
Last: 1/13/2026, 8:03:04 PM
1.5799 USD
-0.03 (-1.87%)
After Hours: 1/13/2026, 8:03:04 PM
Fundamental Rating

2

CURR gets a fundamental rating of 2 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. CURR may be in some trouble as it scores bad on both profitability and health. CURR is valued expensive and it does not seem to be growing.


Dividend Valuation Growth Profitability Health

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 always reported negative net income.
  • 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

  • The Return On Assets of CURR (-39.56%) is worse than 90.82% of its industry peers.
  • With a Return On Equity value of -11868.97%, CURR is not doing good in the industry: 94.90% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -39.56%
ROE -11868.97%
ROIC N/A
ROA(3y)-15.76%
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 50 100

1.3 Margins

  • CURR's Gross Margin of 37.22% is in line compared to the rest of the industry. CURR outperforms 53.06% 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 37.22%
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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3

2. Health

2.1 Basic Checks

  • CURR does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • CURR has about the same amout of shares outstanding than it did 1 year ago.
  • Compared to 1 year ago, CURR has an improved debt to assets ratio.
CURR Yearly Shares OutstandingCURR Yearly Shares OutstandingYearly Shares Outstanding 2021 2022 2023 2024 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 2024 50M 100M 150M 200M

2.2 Solvency

  • Based on the Altman-Z score of -1.27, we must say that CURR is in the distress zone and has some risk of bankruptcy.
  • CURR has a worse Altman-Z score (-1.27) than 70.41% of its industry peers.
  • The Debt to FCF ratio of CURR is 4.88, which is a neutral value as it means it would take CURR, 4.88 years of fcf income to pay off all of its debts.
  • CURR has a Debt to FCF ratio of 4.88. This is in the better half of the industry: CURR outperforms 65.31% of its industry peers.
  • CURR has a Debt/Equity ratio of 48.28. This is a high value indicating a heavy dependency on external financing.
  • Looking at the Debt to Equity ratio, with a value of 48.28, CURR is doing worse than 91.84% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 48.28
Debt/FCF 4.88
Altman-Z -1.27
ROIC/WACCN/A
WACC7.99%
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 -50M 100M 150M 200M

2.3 Liquidity

  • CURR has a Current Ratio of 1.15. This is a normal value and indicates that CURR is financially healthy and should not expect problems in meeting its short term obligations.
  • CURR has a Current ratio (1.15) which is in line with its industry peers.
  • CURR has a Quick Ratio of 1.15. This is a normal value and indicates that CURR is financially healthy and should not expect problems in meeting its short term obligations.
  • CURR has a Quick ratio (1.15) which is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.15
Quick Ratio 1.15
CURR Yearly Current Assets VS Current LiabilitesCURR Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2021 2022 2023 2024 50M 100M 150M

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2

3. Growth

3.1 Past

  • CURR shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -782.00%.
  • CURR shows a strong growth in Revenue. In the last year, the Revenue has grown by 257.27%.
EPS 1Y (TTM)-782%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%145.45%
Revenue 1Y (TTM)257.27%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-7.69%

3.2 Future

  • The Earnings Per Share is expected to grow by 29.96% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, CURR will show a decrease in Revenue. The Revenue will decrease by -3.38% on average per year.
EPS Next Y46.51%
EPS Next 2Y29.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-18.51%
Revenue Next 2Y-3.38%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

CURR Yearly Revenue VS EstimatesCURR Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2023 2024 2025 2026 10M 20M 30M 40M 50M
CURR Yearly EPS VS EstimatesCURR Yearly EPS VS EstimatesYearly EPS VS Estimates 2025 2026 -0.1 -0.2 -0.3 -0.4

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1

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 20

4.2 Price Multiples

  • CURR's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 42.97
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 -0.4 -0.6

4.3 Compensation for Growth

  • CURR's earnings are expected to grow with 29.96% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y29.96%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

  • No dividends for CURR!.
Industry RankSector Rank
Dividend Yield 0%

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CURRENC GROUP INC

NASDAQ:CURR (1/13/2026, 8:03:04 PM)

After market: 1.5799 -0.03 (-1.87%)

1.61

-0.04 (-2.42%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-10
Earnings (Next)04-14
Inst Owners1.07%
Inst Owner ChangeN/A
Ins Owners17.21%
Ins Owner Change0%
Market Cap123.33M
Revenue(TTM)40.23M
Net Income(TTM)-34.42M
Analysts82.86
Price Target3.57 (121.74%)
Short Float %1.69%
Short Ratio0.59
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)1
Avg EPS beat(2)-2.12%
Min EPS beat(2)-145.1%
Max EPS beat(2)140.85%
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)1
Avg Revenue beat(2)-1.04%
Min Revenue beat(2)-17.87%
Max Revenue beat(2)15.8%
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)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 3.07
P/FCF 42.97
P/OCF 35.75
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.74
EYN/A
EPS(NY)-0.25
Fwd EYN/A
FCF(TTM)0.04
FCFY2.33%
OCF(TTM)0.05
OCFY2.8%
SpS0.53
BVpS0
TBVpS-0.19
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -39.56%
ROE -11868.97%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 37.22%
FCFM 7.13%
ROA(3y)-15.76%
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
ROICexgc growth 3YN/A
ROICexgc 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 Turnover0.46
Health
Industry RankSector Rank
Debt/Equity 48.28
Debt/FCF 4.88
Debt/EBITDA N/A
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.15
Quick Ratio 1.15
Altman-Z -1.27
F-Score5
WACC7.99%
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)-782%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%145.45%
EPS Next Y46.51%
EPS Next 2Y29.96%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)257.27%
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%-7.69%
Revenue Next Year-18.51%
Revenue Next 2Y-3.38%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y30.16%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year77.95%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y521.44%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y606.61%
OCF growth 3YN/A
OCF growth 5YN/A

CURRENC GROUP INC / CURR FAQ

What is the fundamental rating for CURR stock?

ChartMill assigns a fundamental rating of 2 / 10 to CURR.


What is the valuation status of CURRENC GROUP INC (CURR) stock?

ChartMill assigns a valuation rating of 1 / 10 to CURRENC GROUP INC (CURR). This can be considered as Overvalued.


What is the profitability of CURR stock?

CURRENC GROUP INC (CURR) has a profitability rating of 1 / 10.


Can you provide the financial health for CURR stock?

The financial health rating of CURRENC GROUP INC (CURR) is 3 / 10.


What is the expected EPS growth for CURRENC GROUP INC (CURR) stock?

The Earnings per Share (EPS) of CURRENC GROUP INC (CURR) is expected to grow by 46.51% in the next year.