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Equity
XTM Inc(XTMIF)
USD --+0.00%
Reward53Moderate
Risk77High
📊75%Data
Thin -205% profit margin
XTMIF
+0.0 · +0.00%
USD · PINK
XTM Inc | Technology
Profitless Growth
Market Cap:1.20M
ℹ️
Reward Rating
53
Moderate
Bottom 50% (model universe)
75% data coverage
ℹ️
Risk Rating
77
High
Risk Assessment
ℹ️

Educational tool only – Scores are based on historical data and financial metrics for informational purposes. This is not financial advice or a recommendation to buy or sell any security. Always conduct your own research or consult a qualified financial adviser.

ℹ️ Educational tool only · More
Limited data coverage
We don't have enough public data on XTMIF to score it reliably yet — Reward, Risk, Forecasts and Dividends tabs aren't available for this stock. The price chart and basic profile are still shown.
OTC / ADR stock — scores and fundamentals use data tagged in USD by our provider. The issuer may report in a different home currency (e.g. JPY), so treat figures as directional rather than precise.
Not available for limited-coverage stocks
The overview tab requires fundamentals and price history we don't have for this stock. The price chart is the most reliable view we have — try the Chart tab.

Market Performance

Stock returned +10.0% over the past year, broadly in line with market conditions.

What is XTM Inc?

provides disseminating earned wages and gratuities access service in Canada and the United States.

XTMIF · Verdict

Moderate reward · high risk

XTMIF stands out on growth and valuation, but watch the balance sheet signal.

Based on 88% data coverage

XTMIF · Verdict

What’s working & what to watch

Strengths 2

  • Growth72/100

    Rev +59.1% CAGR · earnings +61.5%

  • Valuation67/100

    Above average

Watchouts 3

  • Balance sheet6/100

    Current ratio 0.73

  • Profitability9/100

    -252% net margin · -360% ROE

  • Cash flow20/100

    -113% free-cash-flow margin

Model-based scoring. For information only — not financial advice.

What is XTM Inc?

provides disseminating earned wages and gratuities access service in Canada and the United States. The company offers AnyDay, an all-in-one automated payments tech stack for people who want to prioritize their people. The company is listed on the PINK in USA, operating in the Technology sector, with a market capitalisation of 1.20M.

Financial Highlights

Investment Breakdown

📈 Growth
Revenue and earnings growing steadily, indicating improving operating performance.
💰 Profitability
Thin or inconsistent margins weigh on earnings quality.
⚠️ Risk
Elevated volatility implies higher downside and expectation risk.
💸 Valuation
Valuation is less clear with a negative earnings base.

OpenBook Logo Analysis

Reward: Moderate (53)

The scoring profile indicates limited reward potential at this time, with growth and valuation offering the most support. Risk indicators are high — this profile reflects meaningful downside exposure.

For informational purposes only. Not financial advice.

Company Information
SectorTechnology
Market Cap1.20M
P/E RatioN/A
Dividend YieldN/A
52 Week High0.0446
52 Week Low0.004
Last AnnualDecember
IPO DateN/A
IncorporatedUSA
Shares Outstanding279M
No. of EmployeesN/A
IndustryInformation Technology Services
ExchangePINK
Beta1.053
CurrencyUSD · Reports in CAD
Websitextminc.com
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