Financial Snapshot

Revenue
$117.6M
TTM
Gross Margin
21.47%
TTM
Net Earnings
-$7.627M
TTM
Current Assets
Q3 2024
Current Liabilities
Q3 2024
Current Ratio
63.76%
Q3 2024
Total Assets
Q3 2024
Total Liabilities
Q3 2024
Book Value
-$20.76M
Q3 2024
Cash
Q3 2024
P/E
-5.260
Nov 12, 2024 EST
Free Cash Flow
-$10.13M
TTM

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2023 2022 2021 2020
Revenue $166.6M $0.00 $0.00 $0.00
YoY Change

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2023 2022 2021 2020
Revenue $166.6M $0.00 $0.00 $0.00
Cost Of Revenue $128.1M
Gross Profit $39.04M $43.71M
Gross Profit Margin 23.44%

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2023 2022 2021 2020
Selling, General & Admin $34.68M $2.884M $2.736M $0.00
YoY Change 1102.42% 5.43%
% of Gross Profit 88.84% 6.6%
Research & Development $900.0K $1.100M
YoY Change -18.18%
% of Gross Profit 2.31% 2.52%
Depreciation & Amortization $3.851M $4.390M
YoY Change -12.28%
% of Gross Profit 9.86% 10.04%
Operating Expenses $900.0K $2.884M $2.736M $0.00
YoY Change -68.8% 5.43%
Operating Profit -$4.179M -$2.884M -$2.736M
YoY Change 44.88% 5.43%

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2023 2022 2021 2020
Interest Expense -$7.788M $742.8K -$1.989M
YoY Change -1148.54% -137.35%
% of Operating Profit
Other Income/Expense, Net $929.0K $100.0K $3.017M
YoY Change 829.0% -96.69%

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2023 2022 2021 2020
Pretax Income -$10.44M $2.505M -$1.708M $0.00
YoY Change -516.88% -246.65%
Income Tax $606.0K $111.0K
% Of Pretax Income 4.43%
Net Earnings -$11.05M $2.394M -$1.708M $0.00
YoY Change -561.54% -240.15%
Net Earnings / Revenue -6.63%
Basic Earnings Per Share -$0.49 -$0.36
Diluted Earnings Per Share -$0.49 $0.25 -$64.54K $0.00

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2023 2022 2021 2020
Cash & Short-Term Investments $6.905M $41.15K $25.00K $30.00K
YoY Change 16680.07% 64.6% -16.67%
Cash & Equivalents $6.905M
Short-Term Investments
Other Short-Term Assets $5.827M $210.2K $195.5K
YoY Change 2671.59% 7.56%
Inventory $4.740M
Prepaid Expenses
Receivables $30.80M
Other Receivables $1.600M
Total Short-Term Assets $49.87M $251.4K $220.5K $30.00K
YoY Change 19735.72% 14.03% 634.87%
Property, Plant & Equipment $20.86M
YoY Change
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments $31.45M $250.0M
YoY Change -87.42%
Other Assets $7.600M $0.00 $570.8K
YoY Change -100.0%
Total Long-Term Assets $52.87M $31.45M $250.6M $0.00
YoY Change 68.14% -87.45%
Total Assets $102.7M $31.70M $250.8M $30.00K
YoY Change
Accounts Payable $14.41M $0.00
YoY Change
Accrued Expenses $37.77M $1.260M $1.349M
YoY Change 2897.92% -6.63%
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $8.200M $734.4K $0.00
YoY Change -100.0% 1016.53%
Long-Term Debt Due $4.501M
YoY Change
Total Short-Term Liabilities $82.07M $9.460M $2.854M $0.00
YoY Change 767.57% 231.41%
Long-Term Debt $12.79M $0.00 $0.00 $0.00
YoY Change
Other Long-Term Liabilities $20.45M $2.683M $7.307M
YoY Change 662.21% -63.28%
Total Long-Term Liabilities $33.24M $2.683M $7.307M $0.00
YoY Change 1138.77% -63.28%
Total Liabilities $115.3M $12.14M $10.16M $0.00
YoY Change 849.58% 19.5%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2023 2022 2021 2020
Basic Shares Outstanding 22.54M 21.80M
Diluted Shares Outstanding 22.54M 21.80M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $40.121 Million

About XBP Europe Holdings Inc

XBP Europe Holdings, Inc. is a pan-European integrator of bills, payments, and related solutions and services seeking to enable digital transformation of businesses. The company is headquartered in Irving, Texas and currently employs 1,325 full-time employees. The company went IPO on 2021-03-12. The firm provides business process management solutions with software suites and deep domain expertise, serving as a technology and service partner for its clients. Its cloud-based structure enables it to deploy its solutions across the European market, along with the Middle East and Africa. The firm operates through two segments: Bills & Payments and Technology. The Bills & Payments segment primarily focuses on optimizing how bills and payments are processed by businesses of all sizes and industries. The firm offers automation of accounts payable (AP) and account receivables (AR) processes and through an integrated platform, seeks to integrate buyers and suppliers across Europe. The Technology segment primarily focuses on sales of recurring and perpetual software licenses and related maintenance, hardware solutions and related maintenance and professional services.

Industry: Services-Business Services, NEC Peers: Paysign Inc AppTech Payments Corp Blueone Card Inc Usio Inc Bm Technologies Inc Priority Technology Holdings Inc Rego Payment Architectures Inc Sezzle Inc. Visa Inc