Stock DNA
Computers - Software & Consulting
CAD 6 Million (Micro Cap)
NA (Loss Making)
NA
0.00%
1.30
49.89%
-0.18
Revenue and Profits:
Net Sales:
2 Million
(Quarterly Results - Jun 2025)
Net Profit:
-3 Million
Total Returns (Price + Dividend) 
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
-50.0%
0%
-50.0%
6 Months
-63.64%
0%
-63.64%
1 Year
-71.43%
0%
-71.43%
2 Years
-76.47%
0%
-76.47%
3 Years
-84.62%
0%
-84.62%
4 Years
-94.59%
0%
-94.59%
5 Years
-85.19%
0%
-85.19%
XTM, Inc. for the last several years.
Risk Adjusted Returns v/s 
News
No Recent News for the Company
Announcements 
No announcement available
Corporate Actions 
No corporate action available
Quality key factors 
Factor
Value
Sales Growth (5y)
59.18%
EBIT Growth (5y)
-236.18%
EBIT to Interest (avg)
-8.49
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
1.24
Sales to Capital Employed (avg)
0.46
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
-0.12
EV to EBIT
2.70
EV to EBITDA
3.08
EV to Capital Employed
0.51
EV to Sales
-4.12
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
18.98%
ROE (Latest)
Negative BV
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
Bullish
No Signal
Bollinger Bands
Bearish
Sideways
Moving Averages
Bearish (Daily)
KST
Bearish
Bearish
Dow Theory
No Trend
No Trend
OBV
Mildly Bearish
Mildly Bullish
Shareholding Snapshot
No data for shareholding present.
Shareholding Compare (%holding) 
No data for shareholding present.
Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ
Jun'25
Mar'25
Change(%)
Net Sales
2.20
2.70
-18.52%
Operating Profit (PBDIT) excl Other Income
-2.30
-2.80
17.86%
Interest
0.50
0.50
Exceptional Items
0.00
0.00
Consolidate Net Profit
-3.50
-3.40
-2.94%
Operating Profit Margin (Excl OI)
-1,202.00%
-1,182.90%
-1.91%
USD in Million.
Net Sales
QoQ Growth in quarter ended Jun 2025 is -18.52% vs 0.00% in Mar 2025
Consolidated Net Profit
QoQ Growth in quarter ended Jun 2025 is -2.94% vs 60.92% in Mar 2025
Annual Results Snapshot (Consolidated) - Dec'24
Dec'24
Dec'23
Change(%)
Net Sales
9.10
6.80
33.82%
Operating Profit (PBDIT) excl Other Income
-16.60
-12.20
-36.07%
Interest
1.60
0.30
433.33%
Exceptional Items
-2.20
0.00
Consolidate Net Profit
-22.90
-16.10
-42.24%
Operating Profit Margin (Excl OI)
-2,062.60%
-1,931.20%
-13.14%
USD in Million.
Net Sales
YoY Growth in year ended Dec 2024 is 33.82% vs 44.68% in Dec 2023
Consolidated Net Profit
YoY Growth in year ended Dec 2024 is -42.24% vs -120.55% in Dec 2023
About XTM, Inc. 
XTM, Inc.
Computers - Software & Consulting
XTM, Inc. is a Canada-based fintech company. The Company provides mobile banking and payment solutions. The Company is a global card issuer, payment specialist, and marketing solutions company. The Company’s Products include issuing cards, pre-authorized debit, direct deposit accounts, digital banking, visa direct, among others. XTM has built end-to-end solution and all the systems and processes in place from employer on-boarding, to worker sign-up via mobile app, to instant issuance of the MyToday Mastercard, to same day delivery of disbursements. It has committed to also provide free to every user, a full featured mobile wallet solution linked to the Mastercard allowing a full suite of services including bill payment, instant transaction history, Automated Teller Machine (ATM) withdrawals, Interac e-transfers and more. The Company’s toolkit includes white-labeled mobile apps, white labeled admin and user portals, custom prepaid cards, among others.
Company Coordinates 
Company Details
67 Mowat Street , TORONTO CA : M6K 1E3
Registrar Details






