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Financial Analysis

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Recent

v0.1
CURR$3.19+1.59%
Fair $3.19+0.0%

CURR

CURRENC Group Inc.

Technology / Software - ApplicationNasdaqGM

$3.19

+0.05 (+1.59%)

Fairly Valued+0.0%Fair Value $3.19Fund rank 26/100 · Data gapFallback financials|
SA 40/C
F-Score: 6/9
Declining RevenueLow Profitability

FCF base 3Y

n/d

n/d CAGR · yield n/d

FCF base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 34% · confianza 19%

FCF escenarios

weak_data · normalized FCF $2.9M · quality 43.7/100

Data gap 26/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 15/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

40/100

C

Piotroski

6/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

20/100

SEC 0%

Latest source: unknownPeriods: 5Warnings: 2unknown: 5
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); composite fair value and forward targets are disabled until manually verified. Revenue has declined for 3 consecutive years ROE is 3.3%, below the 5% threshold
Thesis & Journal · CURRLocal privado en este navegador · CURRENC Group Inc.
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$358M

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

325.2%

↑

Gross Margin

40.8%

↑

Debt/Equity

-2.99

↓
52-Week Range$3
$0$5

TradingView lightweight chart

CURR price, volumen y niveles de valoración

Último $3.190Periodo -26.7%
Fair value: $3.190

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2021–2025 · 4 años de histórico normalizado

Revenue CAGR

—

FCF CAGR

—

FCF margin

19.5%

FCF / Net income

-0.40x

Latest source

Provider fallback

Margin decomposition

Último año: revenue $37.8M · net income $-18.4M · FCF $7.4M

2021-FY → 2025-FY

Gross margin

40.8%— pts

Operating margin

-21.0%— pts

Net margin

-48.7%— pts

FCF margin

19.5%— pts
MetricTTM
2025
2024
2023
2022
2021
Income Statement
Revenue$37.8M$37.8M$46.4M$53.3M$55.5M—
Net Income$-18.4M$-18.4M$-39.5M$-15.3M$-16.7M—
EBITDA$-13.0M$-13.0M$-26.8M$-1.9M$-3.0M—
EPS-0.30-0.30-1.03-0.33-0.36—
Gross Margin40.8%40.8%31.4%32.6%28.1%—
Operating Margin-21.0%-21.0%-59.0%-12.5%-18.0%—
Net Margin-48.7%-48.7%-85.0%-28.7%-30.1%—
Balance Sheet
Debt/Equity-2.99-2.99-0.34-0.51-0.68—
Current Ratio1.121.12————
Cash Flow
Free Cash Flow$7.4M$7.4M$2.9M$-15.6M$8.1M—
Returns
ROE325.2%325.2%59.8%24.4%35.1%—
Growth & Yield
Revenue Growth-18.6%-18.6%-12.8%-4.0%——
EPS Growth70.9%70.9%-213.1%8.2%——

Revenue, Net Income & Free Cash Flow ($B)

Margins (%)

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +454.8%

Total return

+454.8%

Start / end P/E

n/dx → n/dx

EPS bridge

-1.03 → -0.30

Residual

+454.8%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term+454.8%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.