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XBP Global Holdings, Inc.(XBP)Earnings, Financials & Key Ratios
XBP•NASDAQ
0.0× P/E·Price updated Jun 13, 2026
AboutXBP Global Holdings, Inc. is a pan-European integrator of bills, payments, and related solutions and services seeking to enable digital transformation of businesses. It provides business process management solutions with proprietary software suites and deep domain expertise, serving as a technology and services partner for its clients. It operates through the Bills and Payments, and Technology segments. The Bills and Payments segment focuses on optimizing how bills and payments are processed by businesses of all sizes and industries. The Technology segment refers to the sales of recurring software licenses and related maintenance, hardware solutions and related maintenance and professional services. The company is headquartered in Irving, TX.Show more
- Revenue$791M+454.1%
- EBITDA$61M+743.6%
- Net Income$1.1B+9023.9%
- EPS (Diluted)93.87+22995.1%
- Gross Margin15.57%-41.9%
- EBITDA Margin7.66%+52.3%
- Operating Margin1.53%-37.1%
- Net Margin139.5%+1710.6%
- ROE3344.4%
- ROIC3.75%-95.3%
- Debt/Equity4.94
- Interest Coverage0.12-71.5%
XBP Key Insights
XBP Global Holdings, Inc. (XBP) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Excellent 3Y average ROE of 3344.4%
- ✓Strong 5Y sales CAGR of 29.5%
- ✓Share count reduced 61.0% through buybacks
- ✓Healthy 5Y average net margin of 22.6%
- ✓Trading at only 0.3x book value
✗Weaknesses
- ✗High debt to equity ratio of 4.9x
- ✗Negative free cash flow
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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XBP Price & Volume
XBP Global Holdings, Inc. (XBP) stock price & volume — 10-year historical chart
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XBP Growth Metrics
XBP Global Holdings, Inc. (XBP) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years29.46%
3 Years63.65%
TTM91.71%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM2834.47%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-1097.68%
Return on Capital
10 Years-4.1%
5 Years1.78%
3 Years8.93%
Last Year4.04%
XBP Recent Earnings
XBP Global Holdings, Inc. (XBP) EPS & revenue vs analyst estimates — last 4 quarters
Q4 2025Latest
Nov 14, 2025EPS
$0.04
Revenue
$209M
Q3 2025
Aug 14, 2025EPS
$0.10
Revenue
$40M
Q2 2025
May 15, 2025EPS
$0.12
Revenue
$38M
Q2 2025
Apr 7, 2025EPS
$0.09
Revenue
$36M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Nov 14, 2025 | $0.04 | $209M |
| Q3 2025 | Aug 14, 2025 | $0.10 | $40M |
| Q2 2025 | May 15, 2025 | $0.12 | $38M |
| Q2 2025 | Apr 7, 2025 | $0.09 | $36M |
Based on last 12 quarters of dataView full earnings history →
XBP Peer Comparison
XBP Global Holdings, Inc. (XBP) competitors in Payments and fintech infrastructure — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 QUAD | 396.68M | 7.59 | 14.06 | -9.44% | 1.16% | 24.97% | 3.45 | |
 ENSG | 8.73B | 149.37 | 25.58 | 18.72% | 6.89% | 16.61% | 1.86 | |
 PERI | 347.77M | 8.42 | -44.32 | -11.71% | -2.17% | -1.42% | 0.06 | |
 DSGX | 6.27B | 72.97 | 38.20 | 14.44% | 23.35% | 11.24% | 0.01 | |
 INVA | 1.68B | 22.74 | 6.89 | 18.52% | 118.91% | 47.59% | 0.23 | |
 CASS | 638.32M | 49.45 | 18.95 | -13.1% | 17.25% | 14.61% | 0.02 | |
 XRX | 453.79M | 3.47 | -0.42 | 12.88% | -14.09% | -142.38% | 6.31 | |
 ORCL | 529.57B | 184.13 | 31.58 | 17.35% | 25.37% | 49.81% | 3.63 |
Compare XBP vs Peers
XBP Global Holdings, Inc. (XBP) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
XBP Income Statement
XBP Global Holdings, Inc. (XBP) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|
Sales/Revenue | 217.54M | 205.95M | 180.49M | 155.18M | 142.77M | 791.04M | 652.76M |
Revenue Growth % | - | -5.33% | -12.36% | -14.03% | -7.99% | 454.06% | 91.71% |
Cost of Goods Sold | 175.5M | 165.02M | 136.79M | 115.31M | 104.51M | 667.91M | 547.15M |
COGS % of Revenue | 80.67% | 80.13% | 75.79% | 74.31% | 73.2% | 84.43% | - |
Gross Profit | 42.05M▲ 0% | 40.93M▼ 2.7% | 43.7M▲ 6.8% | 39.87M▼ 8.8% | 38.26M▼ 4.0% | 123.13M▲ 221.8% | 105.65M▲ 0% |
Gross Margin % | 19.33% | 19.87% | 24.21% | 25.69% | 26.8% | 15.57% | 16.19% |
Gross Profit Growth % | - | -2.66% | 6.79% | -8.78% | -4.04% | 221.85% | - |
Operating Expenses | 61.12M | 44.74M | 45.66M | 38.75M | 34.79M | 111.04M | 121.81M |
OpEx % of Revenue | 28.09% | 21.72% | 25.29% | 24.97% | 24.36% | 14.04% | - |
Selling, General & Admin | 44.18M | 30.6M | 32.15M | 31.17M | 26.52M | 99.9M | 110.14M |
SG&A % of Revenue | 20.31% | 14.86% | 17.81% | 20.09% | 18.58% | 12.63% | - |
Research & Development | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
R&D % of Revenue | - | - | - | - | - | - | - |
Other Operating Expenses | 16.93M | 14.14M | 13.5M | 7.58M | 8.26M | 11.14M | 4M |
Operating Income | -19.07M▲ 0% | -3.81M▲ 80.0% | -1.95M▲ 48.8% | 1.12M▲ 157.3% | 3.47M▲ 210.8% | 12.09M▲ 248.3% | -16.15M▲ 0% |
Operating Margin % | -8.77% | -1.85% | -1.08% | 0.72% | 2.43% | 1.53% | -2.47% |
Operating Income Growth % | - | 80.03% | 48.81% | 157.28% | 210.83% | 248.33% | - |
EBITDA | -12.74M | 1.36M | 2.44M | 4.97M | 7.19M | 60.63M | 28.76M |
EBITDA Margin % | -5.85% | 0.66% | 1.35% | 3.2% | 5.03% | 7.66% | 4.41% |
EBITDA Growth % | - | 110.65% | 80.18% | 103.19% | 44.67% | 743.63% | 93.36% |
D&A (Non-Cash Add-back) | 6.33M | 5.17M | 4.39M | 3.85M | 3.71M | 48.54M | 44.91M |
EBIT | -21.03M | -6.97M | -2.31M | 2.04M | 2.7M | 12.09M | -15.45M |
Net Interest Income | -2.63M | 17.67K | -3.04M | -7.01M | -6.32M | -99.46M | -126.27M |
Interest Income | 217K | 17.67K | 25K | 0 | 0 | 0 | 0 |
Interest Expense | 2.84M | 0 | 3.06M | 7.01M | 6.32M | 99.46M | 126.27M |
Other Income/Expense | -4.8M | -6M | -3.42M | -6.08M | -7.09M | 1.13B | 1.15B |
Pretax Income | -23.88M▲ 0% | -9.81M▲ 58.9% | -5.37M▲ 45.3% | -4.96M▲ 7.5% | -3.62M▲ 27.0% | 1.14B▲ 31696.4% | 1.14B▲ 0% |
Pretax Margin % | -10.97% | -4.76% | -2.97% | -3.2% | -2.54% | 144.67% | 174.06% |
Income Tax | 4.5M | 2.92M | 2.56M | 606K | 2.91M | 40.89M | 37.44M |
Effective Tax Rate % | -18.86% | -29.77% | -47.74% | -12.21% | -80.37% | 3.57% | 3.29% |
Net Income | -28.38M▲ 0% | -12.73M▲ 55.1% | -7.93M▲ 37.7% | -11.05M▼ 39.3% | -12.37M▼ 11.9% | 1.1B▲ 9023.9% | 1.1B▲ 0% |
Net Margin % | -13.04% | -6.18% | -4.39% | -7.12% | -8.66% | 139.5% | 167.8% |
Net Income Growth % | - | 55.15% | 37.7% | -39.32% | -11.94% | 9023.94% | 2834.47% |
Net Income (Continuing) | -28.38M | -12.73M | -7.93M | -5.57M | -6.53M | 1.1B | 1.1B |
Discontinued Operations | 0 | 0 | 0 | -5.48M | -5.83M | 0 | -1000K |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
EPS (Diluted) | -0.94▲ 0% | -0.42▲ 55.3% | -0.26▲ 38.1% | -0.49▼ 88.5% | -0.41▲ 16.3% | 93.87▲ 22995.1% | 93.18▲ 0% |
EPS Growth % | - | 55.32% | 38.1% | -88.46% | 16.33% | 22995.12% | -1097.68% |
EPS (Basic) | -0.94 | -0.42 | -0.26 | -0.49 | -0.41 | 93.87 | - |
Diluted Shares Outstanding | 30.17M | 30.17M | 30.17M | 30.17M | 30.17M | 11.76M | 11.76M |
Basic Shares Outstanding | 30.17M | 30.17M | 30.17M | 30.17M | 30.17M | 11.76M | 11.76M |
Dividend Payout Ratio | - | - | - | - | - | - | - |
XBP Balance Sheet
XBP Global Holdings, Inc. (XBP) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|
Total Current Assets | 84.2M | 66.21M | 70.01M | 49.87M | 41.34M | 239.75M | 222.41M |
Cash & Short-Term Investments | 9.25M | 2.91M | 7.47M | 6.54M | 12.1M | 37.11M | 28.46M |
Cash Only | 9.25M | 2.91M | 7.47M | 6.54M | 12.1M | 37.11M | 28.46M |
Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accounts Receivable | 62.6M | 53.12M | 52.74M | 31.84M | 21.07M | 131.02M | 130.25M |
Days Sales Outstanding | 105.02 | 94.13 | 106.65 | 74.89 | 53.87 | 60.45 | 60.32 |
Inventory | 5.37M | 4.09M | 4.53M | 4.04M | 3.82M | 11.37M | 11.38M |
Days Inventory Outstanding | 11.17 | 9.05 | 12.08 | 12.8 | 13.35 | 6.21 | 6.42 |
Other Current Assets | 0 | 0 | 477K | 2.5M | 1.38M | 31.55M | 52.31M |
Total Non-Current Assets | 77.5M | 60.79M | 52.83M | 52.87M | 46.71M | 662.35M | 649.03M |
Property, Plant & Equipment | 32.44M | 23.4M | 20.47M | 18.02M | 16.08M | 113.3M | 105.91M |
Fixed Asset Turnover | 6.71x | 8.80x | 8.82x | 8.61x | 8.88x | 6.98x | 7.30x |
Goodwill | 25.76M | 23.95M | 22.06M | 22.82M | 21.67M | 189.88M | 189.88M |
Intangible Assets | 3.22M | 2.29M | 1.53M | 1.5M | 1.12M | 344.08M | 335.23M |
Long-Term Investments | 0 | 250.02M | 31.45M | 0 | 0 | 0 | 2.06M |
Other Non-Current Assets | 3.13M | -248.42M | -29.73M | 3.72M | 817K | 15.09M | 18.01M |
Total Assets | 161.7M▲ 0% | 127M▼ 21.5% | 122.84M▼ 3.3% | 102.74M▼ 16.4% | 88.05M▼ 14.3% | 902.1M▲ 924.6% | 871.44M▲ 0% |
Asset Turnover | 1.35x | 1.62x | 1.47x | 1.51x | 1.62x | 0.88x | 0.92x |
Asset Growth % | - | -21.46% | -3.27% | -16.36% | -14.3% | 924.59% | 2553.69% |
Total Current Liabilities | 104.73M | 102.42M | 101.89M | 82.07M | 68.77M | 322.04M | 330.68M |
Accounts Payable | 13.39M | 14.1M | 16.86M | 13.28M | 12.55M | 55.7M | 69.78M |
Days Payables Outstanding | 27.84 | 31.18 | 45 | 42.04 | 43.84 | 30.44 | 34.86 |
Short-Term Debt | 9.25M | 18.6M | 4.97M | 3.86M | 4.96M | 34.33M | 46.18M |
Deferred Revenue (Current) | 6.93M | 7.91M | 6.72M | 6.33M | 7.15M | 33.57M | 75.5M |
Other Current Liabilities | 24.27M | 18.2M | 13.78M | 23.78M | 10.97M | 111.95M | 196.37M |
Current Ratio | 0.80x | 0.65x | 0.69x | 0.61x | 0.60x | 0.74x | 0.67x |
Quick Ratio | 0.75x | 0.61x | 0.64x | 0.56x | 0.55x | 0.71x | 0.64x |
Cash Conversion Cycle | 88.36 | 72 | 73.73 | 45.65 | 23.39 | 36.23 | 31.87 |
Total Non-Current Liabilities | 76.21M | 51.11M | 47.88M | 33.24M | 40.63M | 492.71M | 478.2M |
Long-Term Debt | 27.49M | 14.38M | 25.61M | 14.3M | 25.42M | 353.27M | 26.04M |
Capital Lease Obligations | 12.58M | 7.68M | 4.62M | 3.81M | 3.27M | 29.39M | 62.64M |
Deferred Tax Liabilities | 0 | 0 | 1.06M | 0 | 0 | 52.59M | 151.51M |
Other Non-Current Liabilities | 36.14M | 29.04M | 17.65M | 15.12M | 11.94M | 54.84M | 403.61M |
Total Liabilities | 180.94M | 153.53M | 149.77M | 115.31M | 109.39M | 814.76M | 808.88M |
Total Debt | 56.16M | 45.86M | 37.75M | 23.63M | 35.39M | 431.19M | 72.22M |
Net Debt | 46.91M | 42.95M | 30.28M | 17.09M | 23.29M | 394.08M | 43.76M |
Debt / Equity | - | - | - | - | - | 4.94x | 1.15x |
Debt / EBITDA | - | 33.80x | 15.44x | 4.76x | 4.92x | 7.11x | 2.51x |
Net Debt / EBITDA | - | 31.65x | 12.38x | 3.44x | 3.24x | 6.50x | 1.52x |
Interest Coverage | -7.39x | - | -0.75x | 0.29x | 0.43x | 0.12x | -0.12x |
Total Equity | -19.25M▲ 0% | -26.53M▼ 37.8% | -26.93M▼ 1.5% | -12.57M▲ 53.3% | -21.35M▼ 69.8% | 87.34M▲ 509.2% | 62.56M▲ 0% |
Equity Growth % | - | -37.85% | -1.52% | 53.33% | -69.84% | 509.16% | 1590.75% |
Book Value per Share | -0.64 | -0.88 | -0.89 | -0.42 | -0.71 | 7.43 | 5.32 |
Total Shareholders' Equity | -19.25M | 240.65M | -26.93M | -12.57M | -21.35M | 87.34M | 62.56M |
Common Stock | 575 | 250M | 31.17M | 30K | 30K | 12K | 12K |
Retained Earnings | -1.42K | -9.5M | -12.31M | -11.34M | -23.7M | -351.12M | -377.88M |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accumulated OCI | -34.06M | 0 | -26.93M | -1.26M | 718K | 455K | 0 |
Minority Interest | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
XBP Cash Flow Statement
XBP Global Holdings, Inc. (XBP) cash flow — operating, investing & free cash flow history
| Metric | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|
Cash from Operations | 5.4M | -3.04M | 9.89M | -1.53M | -5.23M | -141.71M | -153.38M |
Operating CF Margin % | 2.48% | -1.47% | 5.48% | -0.99% | -3.66% | -17.91% | - |
Operating CF Growth % | - | -156.23% | 425.65% | -115.52% | -240.52% | -2611.12% | -3151.45% |
Net Income | -28.38M | -12.73M | -7.93M | -11.05M | -12.37M | 1.1B | 1.1B |
Depreciation & Amortization | 6.33M | 4.9M | 4.39M | 3.85M | 3.71M | 48.54M | 44.88M |
Stock-Based Compensation | 0 | 0 | 0 | 0 | 1.61M | 1.09M | 1.54M |
Deferred Taxes | 2.16M | 3M | 1.67M | -422K | -247K | 36.78M | 32.45M |
Other Non-Cash Items | 2.26M | 2.07M | 1.81M | -870K | 2.7M | -1.27B | -1.28B |
Working Capital Changes | 23.03M | -284K | 9.94M | 6.95M | -644K | -56.73M | -44.9M |
Change in Receivables | 3.94M | 3.71M | -3.37M | 5.99M | 9.57M | -81.66M | -75.2M |
Change in Inventory | 237K | 939K | -688K | -58K | 240K | 0 | 130K |
Change in Payables | -620K | 1.57M | 3.83M | -2.42M | -365K | 21.32M | 30.09M |
Cash from Investing | -2.19M | 1.15M | -6.37M | -2.67M | -1.71M | -9.03M | -9.49M |
Capital Expenditures | -2.19M | -1.92M | -6.37M | -2.33M | -1.26M | -8.88M | -10.31M |
CapEx % of Revenue | 1.01% | 0.93% | 3.53% | 1.5% | 0.88% | 1.12% | 1.58% |
Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 2.09M |
Investments | - | - | - | - | - | - | - |
Other Investing | 0 | 3.07M | -674.27M | -339K | -447K | -143K | -1.27M |
Cash from Financing | 6.23M | -4.62M | -1.33M | -305K | 12.45M | 158.37M | 157.93M |
Debt Issued (Net) | 6.23M | -4.62M | -1.33M | -5.51M | 13.97M | 168.51M | 156.93M |
Equity Issued (Net) | 0 | 250.5M | 0 | 0 | 0 | 0 | 0 |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Other Financing | 0 | -250.5M | 1K | 5.21M | -1.53M | -10.14M | 999K |
Net Change in Cash | 5.87M▲ 0% | -6.34M▼ 208.1% | 4.56M▲ 172.0% | -568K▼ 112.4% | 5.2M▲ 1015.7% | 4.6M▼ 11.6% | 43.46M▲ 0% |
Free Cash Flow | 3.21M▲ 0% | -4.95M▼ 254.2% | 3.52M▲ 171.2% | -3.87M▼ 209.7% | -6.49M▼ 67.9% | -150.59M▼ 2220.4% | -164.22M▲ 0% |
FCF Margin % | 1.48% | -2.4% | 1.95% | -2.49% | -4.55% | -19.04% | -25.16% |
FCF Growth % | - | -254.17% | 171.16% | -209.68% | -67.92% | -2220.39% | -3693.58% |
FCF per Share | 0.11 | -0.16 | 0.12 | -0.13 | -0.22 | -12.81 | -13.97 |
FCF Conversion (FCF/Net Income) | -0.19x | 0.24x | -1.25x | 0.14x | 0.42x | -0.13x | -0.15x |
Interest Paid | 2.91M | 2.91M | 3.03M | 1.8M | 3.43M | 0 | 943K |
Taxes Paid | 710K | 0 | 1.29M | 1.06M | 567K | 0 | 1.74M |
XBP Key Ratios
XBP Global Holdings, Inc. (XBP) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | - | - | - | - | 3344.4% | 1737.75% |
| Return on Invested Capital (ROIC) | -12.96% | -14.8% | 21.28% | 80.48% | 3.75% | -4.34% |
| Gross Margin | 19.87% | 24.21% | 25.69% | 26.8% | 15.57% | 16.19% |
| Net Margin | -6.18% | -4.39% | -7.12% | -8.66% | 139.5% | 167.8% |
| Debt / Equity | - | - | - | - | 4.94x | 1.15x |
| Interest Coverage | - | -0.75x | 0.29x | 0.43x | 0.12x | -0.12x |
| FCF Conversion | 0.24x | -1.25x | 0.14x | 0.42x | -0.13x | -0.15x |
| Revenue Growth | -5.33% | -12.36% | -14.03% | -7.99% | 454.06% | 91.71% |
Related:XBP Dividend History·XBP Revenue History·XBP Price History·XBP P/E History·XBP Financial Ratios·XBP Institutional Holders
XBP SEC Filings & Documents
XBP Global Holdings, Inc. (XBP) SEC filings — annual & quarterly reports (10-K, 10-Q)
XBP Frequently Asked Questions
XBP Global Holdings, Inc. (XBP) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
XBP Global Holdings, Inc. (XBP) reported $652.8M in revenue for fiscal year 2025. This represents a 200% increase from $217.5M in 2020.
XBP Global Holdings, Inc. (XBP) grew revenue by 454.1% over the past year. This is strong growth.
Yes, XBP Global Holdings, Inc. (XBP) is profitable, generating $1.10B in net income for fiscal year 2025 (139.5% net margin).
Dividend & Returns
XBP Global Holdings, Inc. (XBP) has a return on equity (ROE) of 3344.4%. This is excellent, indicating efficient use of shareholder capital.
XBP Global Holdings, Inc. (XBP) had negative free cash flow of $164.2M in fiscal year 2025, likely due to heavy capital investments.