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6Mar 4, 2025·SEC
Dec 26, 2024·SEC
Jul 5, 2024·SEC
Currenc Group, Inc. (CURR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
Currenc Group, Inc. (CURR) stock price & volume — 10-year historical chart
Currenc Group, Inc. (CURR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Currenc Group, Inc. (CURR) EPS & revenue vs analyst estimates — last 4 quarters
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q4 2025Latest | Nov 10, 2025 | $0.05vs $0.12+141.7% | $10Mvs $9M+18.1% |
| Q3 2025 | Aug 4, 2025 | $0.10vs $0.04-150.0% | $9Mvs $10M-16.2% |
| Q2 2025 | May 20, 2025 | $0.13vs $0.04-225.0% | $10Mvs $11M-4.2% |
| Q1 2025 | Feb 25, 2025 | $0.59 | $11M |
Currenc Group, Inc. (CURR) competitors in Payment Networks and Merchant Acquiring — business model, growth, and fundamentals comparison
Currenc Group, Inc. (CURR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
Currenc Group, Inc. (CURR) annual income statement — 10-year revenue, gross profit & net income history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Net Interest Income | -121.14K | -1.58M | 0 | -4.05M | -4.65M | -11.54M | -8.2M | -8M | -8.52M | -2.76M |
| NII Growth % | 30.09% | -1206.13% | 100% | - | -14.77% | -148.02% | 28.94% | 2.41% | -6.4% | 257.45% |
| Net Interest Margin % | -4.27% | -75.35% | 0% | -12.49% | -3.44% | -8.44% | -5.11% | -5.66% | -7.85% | -3.18% |
| Interest Income | 437 | 6 | 0 | 57K | 0 | 0 | 0 | 0 | 0 | 99.47K |
| Interest Expense | 121.57K | 1.58M | 3.04M | 4.11M | 4.65M | 11.54M | 8.2M | 8M | 8.52M | 2.86M |
| Loan Loss Provision | 31.76K | -1.4M | -2.76M | -3.88M | 40.92M | 28.06M | 31.68M | 27.9M | 23.33M | 22.4M |
| Non-Interest Income | 83.73K | 180.4K | 583.94K | 566K | 61.56M | 57.5M | 55.5M | 53.26M | 46.44M | 40.13M |
| Non-Interest Income % | 99.48% | 100% | 100% | 90.85% | 100% | 100% | 100% | 100% | 100% | 99.75% |
| Total Revenue | 84.17K▲ 0% | 180.4K▲ 114.3% | 583.94K▲ 223.7% | 623K▲ 6.7% | 61.56M▲ 9782.0% | 57.5M▼ 6.6% | 55.5M▼ 3.5% | 53.26M▼ 4.0% | 46.44M▼ 12.8% | 40.23M▲ 0% |
| Revenue Growth % | -54.12% | 114.35% | 223.69% | 6.69% | 9782% | -6.6% | -3.48% | -4.05% | -12.81% | -68.93% |
| Non-Interest Expense | 3.86M | 7.34M | 7.86M | 12.43M | 16.4M | 17.86M | 25.63M | 24M | 41.97M | 27.56M |
| Efficiency Ratio | 4582.76% | 4069.69% | 1346.32% | 1994.7% | 26.63% | 31.06% | 46.19% | 45.07% | 90.38% | 68.5% |
| Operating Income | -3.93M▲ 0% | -7.34M▼ 87.0% | -7.56M▼ 2.9% | -12.04M▼ 59.2% | -405.98K▲ 96.6% | 39.72K▲ 109.8% | -10.01M▼ 25311.9% | -6.65M▲ 33.6% | -27.38M▼ 311.9% | -12.58M▲ 0% |
| Operating Margin % | -4664.94% | -4069.81% | -1294.26% | -1931.78% | -0.66% | 0.07% | -18.04% | -12.48% | -58.96% | -31.28% |
| Operating Income Growth % | -155.69% | -87% | -2.94% | -59.24% | 96.63% | 109.78% | -25311.9% | 33.64% | -311.93% | - |
| Pretax Income | -4.16M▲ 0% | -8.16M▼ 96.4% | -10.43M▼ 27.8% | -21.37M▼ 104.9% | -3.57M▲ 83.3% | -12.13M▼ 239.5% | -15.61M▼ 28.7% | -13.89M▲ 11.0% | -38.25M▼ 175.3% | -33.45M▲ 0% |
| Pretax Margin % | -4939.68% | -4525.23% | -1786.29% | -3430.66% | -5.8% | -21.1% | -28.13% | -26.09% | -82.37% | -83.16% |
| Income Tax | 14.79K | 1.6M | -30.47K | 3.53M | 1.49M | 753.7K | 113.78K | 523.48K | 578.3K | 425.05K |
| Effective Tax Rate % | -0.36% | -19.59% | 0.29% | -16.5% | -41.77% | -6.21% | -0.73% | -3.77% | -1.51% | -1.27% |
| Net Income | -4.16M▲ 0% | -8.15M▼ 96.0% | -10.4M▼ 27.6% | -24.9M▼ 139.4% | -6.72M▲ 73.0% | -14.85M▼ 120.8% | -16.68M▼ 12.3% | -15.31M▲ 8.2% | -39.48M▼ 157.9% | -34.08M▲ 0% |
| Net Margin % | -4939.68% | -4517.57% | -1781.07% | -3996.63% | -10.92% | -25.82% | -30.05% | -28.74% | -85.01% | -84.72% |
| Net Income Growth % | -159.35% | -96.03% | -27.61% | -139.4% | 72.99% | -120.82% | -12.32% | 8.22% | -157.9% | -110.31% |
| Net Income (Continuing) | -4.16M | -8.15M | -10.4M | -24.9M | -5.07M | -12.89M | -15.73M | -14.42M | -38.83M | -33.88M |
| EPS (Diluted) | -0.18▲ 0% | -0.34▼ 88.9% | -0.42▼ 23.5% | -0.72▼ 71.4% | -0.50▲ 30.6% | -0.33▲ 34.0% | -0.09▲ 72.8% | -0.21▼ 134.1% | -1.03▼ 390.5% | -0.60▲ 0% |
| EPS Growth % | -180.37% | -88.89% | -23.53% | -71.43% | 30.56% | 34% | 72.82% | -134.11% | -390.48% | -641.25% |
| EPS (Basic) | -0.18 | -0.34 | -0.42 | -0.72 | -0.50 | -0.33 | -0.09 | -0.21 | -1.03 | - |
| Diluted Shares Outstanding | 23.33M | 23.65M | 25M | 34.54M | 47.31M | 47.19M | 71.41M | 73.67M | 38.16M | 56.43M |
Currenc Group, Inc. (CURR) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1.11M | 108.25K | 500.96K | 4.1M | 63.12M | 64.82M | 64.8M | 48.82M | 63.82M | 241.3M |
| Cash & Due from Banks | 1.11M | 108.25K | 500.96K | 4.1M | 61.1M | 62.75M | 62.8M | 48.52M | 63.82M | 50.73M |
| Short Term Investments | 0 | 0 | 0 | 0 | 2.02M | 2.06M | 2M | 300K | 0 | 0 |
| Total Investments | 0 | 0 | 0 | 259K | 2.12M | 2.16M | 2.1M | 400K | 0 | 0 |
| Investments Growth % | - | - | - | - | 720.1% | 1.83% | -2.91% | -80.95% | -100% | 1137.68% |
| Long-Term Investments | 0 | 0 | 0 | 259K | 100K | 100K | 100K | 100K | 0 | 0 |
| Accounts Receivables | 0 | 0 | 0 | 0 | 4.2M | 2.88M | 3.07M | 2.45M | 2.12M | 1.52M |
| Goodwill & Intangibles | 894.51K | 900.47K | 1.21M | 25.27M | 34.23M | 32.61M | 36.85M | 36.19M | 15.45M | 14.29M |
| Goodwill | 0 | 0 | 0 | 9.18M | 19.62M | 19.23M | 27M | 27M | 12.06M | 12.06M |
| Intangible Assets | 894.51K | 900.47K | 1.21M | 16.1M | 14.61M | 13.38M | 9.85M | 9.19M | 3.39M | 2.23M |
| PP&E (Net) | 370.65K | 337.36K | 299.91K | 704K | 2.51M | 1.45M | 1.66M | 1.17M | 1.4M | 1.27M |
| Other Assets | 151.58K | 117.56K | 302.24K | 35K | 0 | 0 | 0 | 0 | 0 | 0 |
| Total Current Assets | 1.42M | 744.5K | 1.59M | 6.19M | 98.14M | 102.51M | 121.21M | 103.36M | 91.28M | 70.95M |
| Total Non-Current Assets | 1.42M | 1.36M | 1.81M | 26.27M | 37.19M | 34.27M | 39.38M | 38.13M | 17.19M | 15.91M |
| Total Assets | 2.84M▲ 0% | 2.1M▼ 25.9% | 3.4M▲ 61.7% | 32.46M▲ 855.8% | 135.33M▲ 316.9% | 136.78M▲ 1.1% | 160.59M▲ 17.4% | 141.49M▼ 11.9% | 108.47M▼ 23.3% | 86.85M▲ 0% |
| Asset Growth % | 55.59% | -25.93% | 61.73% | 855.81% | 316.93% | 1.07% | 17.4% | -11.89% | -23.34% | 9017.79% |
| Return on Assets (ROA) | -178.54% | -330.29% | -378.47% | -138.88% | -8.02% | -10.91% | -11.22% | -10.13% | -31.59% | -34.03% |
| Accounts Payable | 265.39K | 544.98K | 774.39K | 1.26M | 7.35K | 10.85K | 17.87K | 10.54K | 13.7K | 39.8M |
| Total Debt | 92.73K | 2.4M | 6.27M | 790K | 34.05M | 24.52M | 32.39M | 31.94M | 22.49M | 14.36M |
| Net Debt | -1.01M | 2.29M | 5.77M | -3.31M | -27.05M | -38.24M | -30.41M | -16.57M | -41.33M | -36.37M |
| Long-Term Debt | 0 | 0 | 0 | 52K | 2.54M | 18.86M | 7.88M | 2.51M | 0 | 0 |
| Short-Term Debt | 92.73K | 800K | 920K | 738K | 31.4M | 5.5M | 24.33M | 29.28M | 22.16M | 14.34M |
| Other Liabilities | 560K | 560K | 0 | 7.07M | 120.5K | 23.76K | 220.29K | 59.85K | 45.29K | 37.74K |
| Total Current Liabilities | 558.04K | 3.53M | 8.55M | 11.84M | 132.92M | 124.01M | 172.65M | 173.86M | 149.15M | 61.53M |
| Total Non-Current Liabilities | 560K | 560K | 7.43M | 7.12M | 5.01M | 20.87M | 9.72M | 3.81M | 1.08M | 654.61K |
| Total Liabilities | 1.12M | 4.09M | 8.55M | 18.95M | 137.93M | 144.88M | 182.37M | 177.68M | 150.23M | 62.18M |
| Total Equity | 1.72M▲ 0% | -1.99M▼ 215.8% | -5.16M▼ 159.2% | 13.51M▲ 362.0% | -2.6M▼ 119.2% | -8.09M▼ 211.6% | -21.78M▼ 169.1% | -36.19M▼ 66.2% | -41.76M▼ 15.4% | 24.67M▲ 0% |
| Equity Growth % | 144.79% | -215.85% | -159.18% | 361.99% | -119.23% | -211.59% | -169.06% | -66.16% | -15.4% | 5.74% |
| Equity / Assets (Capital Ratio) | 60.56% | -94.73% | -151.81% | 41.61% | -1.92% | -5.92% | -13.56% | -25.57% | -38.5% | 28.4% |
| Return on Equity (ROE) | -242.13% | - | - | -596.28% | -123.28% | - | - | - | - | 145.29% |
| Book Value per Share | 0.07 | -0.08 | -0.21 | 0.39 | -0.05 | -0.17 | -0.30 | -0.49 | -1.09 | 0.44 |
| Tangible BV per Share | 0.04 | -0.12 | -0.25 | -0.34 | -0.78 | -0.86 | -0.82 | -0.98 | -1.50 | 0.18 |
| Common Stock | 23.34K | 23.9K | 26.79K | 38K | 58.03K | 58.03K | 58.03K | 3.4K | 4.65K | 7.66K |
| Additional Paid-in Capital | 0 | 0 | 0 | 0 | 22.49M | 29.17M | 29.17M | 29.23M | 65.64M | 137.62M |
| Retained Earnings | -10.72M | -18.87M | -29.27M | -50.63M | -45.24M | -60.09M | -76.77M | -92.08M | -131.52M | -137.94M |
| Accumulated OCI | 0 | 0 | -773.02K | 0 | 48.17K | 52.46K | 61.3K | 88.37K | -108.12K | 598.1K |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Currenc Group, Inc. (CURR) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -3.52M | -3.56M | -4.1M | -8.1M | -9.72M | 12.08M | -10.07M | -15.29M | 3.45M | 3.45M |
| Operating CF Growth % | -774.53% | -1.12% | -15.29% | -97.65% | -20% | 224.25% | -183.39% | -51.76% | 122.57% | 1011.82% |
| Net Income | -4.16M | -8.15M | -10.43M | -21.37M | -30.62M | -12.89M | -25.51M | -14.42M | -39.48M | -34.08M |
| Depreciation & Amortization | 172.61K | 164.6K | 149.8K | 579K | 939K | 5.98M | 1.58M | 3.99M | 2.9M | 1.84M |
| Deferred Taxes | 0 | 634.96K | 918.67K | 3.35M | 366K | -369.73K | 25.51M | 494.74K | 127.66K | -198.04K |
| Other Non-Cash Items | 771.65K | 1.57M | 2.04M | 6.88M | 16.6M | -280.81K | -15M | 705.36K | 346.89K | 17.03M |
| Working Capital Changes | -303.21K | 543.49K | 766.86K | -1.67M | -427K | 19.63M | 1.72M | -6.06M | 18.68M | 6.2M |
| Cash from Investing | -206.77K | -88.92K | -137.79K | 7.57M | -131K | -406.34K | 13.84M | 1.44M | -565.03K | -563.14K |
| Purchase of Investments | -20.42K | -5K | 0 | -259K | -250K | -458 | 0 | 0 | 0 | -363.93K |
| Sale/Maturity of Investments | 0 | -115.18K | 0 | 209K | 235K | 0 | 0 | 1.7M | 0 | 0 |
| Net Investment Activity | -20.42K | -120.18K | 0 | -50K | -15K | -458 | 0 | 1.7M | 0 | -363.93K |
| Acquisitions | 0 | 65.7K | 0 | 8.23M | 1.11M | 0 | -53K | 0 | 11.64K | 0 |
| Other Investing | -64.22K | -49.48K | 0 | -150K | -535K | 0 | 13.89M | 36.68K | 0 | -199.21K |
| Cash from Financing | 4.82M | 2.65M | 4.63M | 4.13M | 7.48M | -10.12M | -837K | -1.2M | 2.02M | -523.22K |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | -1.91M | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Stock Issued | 0 | 0 | 500K | 2.5M | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Stock Activity | 0 | 0 | 500K | 2.5M | 0 | 0 | 0 | 0 | 0 | 0 |
| Debt Issuance (Net) | 0 | 0 | 0 | 0 | 1000K | -1000K | -1000K | -1000K | 1000K | -463.61K |
| Other Financing | 4.82M | 2.65M | 4.63M | 4.13M | 1.79M | 0 | 4.93M | 0 | 0 | -59.6K |
| Net Change in Cash | 1.09M▲ 0% | -997.89K▼ 191.3% | 392.71K▲ 139.4% | 3.6M▲ 815.4% | -2.37M▼ 166.0% | 1.55M▲ 165.3% | 2.93M▲ 89.0% | -15.04M▼ 613.8% | 4.9M▲ 132.6% | 1.63M▲ 0% |
| Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Cash at Beginning | 13.35K | 1.11M | 108.25K | 501K | 4.1M | 70.27M | 16K | 74M | 58.96M | 59.62M |
| Cash at End | 1.11M | 108.25K | 500.96K | 4.1M | 1.73M | 71.82M | 2.94M | 58.96M | 63.86M | 50.73M |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 1.35M | 1.82M | 1.07M | 165.51K |
| Income Taxes Paid | 0 | 0 | 0 | 0 | 0 | 2.13M | 1.2M | 0 | 445.53K | 460.51K |
| Free Cash Flow | -3.68M▲ 0% | -3.71M▼ 0.6% | -4.24M▼ 14.3% | -8.56M▼ 102.0% | -10.41M▼ 21.6% | 11.67M▲ 212.1% | -10.07M▼ 186.3% | -15.58M▼ 54.6% | 2.87M▲ 118.4% | 2.14M▲ 0% |
| FCF Growth % | -462.93% | -0.56% | -14.35% | -102.03% | -21.61% | 212.14% | -186.3% | -54.64% | 118.45% | 122.9% |
Currenc Group, Inc. (CURR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | TTM |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -242.13% | - | - | -596.28% | -123.28% | - | - | - | - | 145.29% |
| Return on Assets (ROA) | -178.54% | -330.29% | -378.47% | -138.88% | -8.02% | -10.91% | -11.22% | -10.13% | -31.59% | -34.03% |
| Net Interest Margin | -4.27% | -75.35% | 0% | -12.49% | -3.44% | -8.44% | -5.11% | -5.66% | -7.85% | -3.18% |
| Efficiency Ratio | 4582.76% | 4069.69% | 1346.32% | 1994.7% | 26.63% | 31.06% | 46.19% | 45.07% | 90.38% | 68.5% |
| Equity / Assets | 60.56% | -94.73% | -151.81% | 41.61% | -1.92% | -5.92% | -13.56% | -25.57% | -38.5% | 28.4% |
| Book Value / Share | 0.07 | -0.08 | -0.21 | 0.39 | -0.05 | -0.17 | -0.3 | -0.49 | -1.09 | 0.44 |
| NII Growth | 30.09% | -1206.13% | 100% | - | -14.77% | -148.02% | 28.94% | 2.41% | -6.4% | 74.98% |
| Dividend Payout | - | - | - | - | - | - | - | - | - | 0% |
Currenc Group, Inc. (CURR) SEC filings — annual & quarterly reports (10-K, 10-Q)
Mar 4, 2025·SEC
Dec 26, 2024·SEC
Jul 5, 2024·SEC
Currenc Group, Inc. (CURR) stock FAQ — growth, dividends, profitability & financials explained
Currenc Group, Inc. (CURR) saw revenue decline by 12.8% over the past year.
Currenc Group, Inc. (CURR) reported a net loss of $34.1M for fiscal year 2024.
Currenc Group, Inc. (CURR) has a net interest margin (NIM) of -7.9%. NIM has been under pressure due to interest rate environment.
Currenc Group, Inc. (CURR) has an efficiency ratio of 90.4%. This is higher than peers, suggesting room for cost optimization.
Currenc Group, Inc. (CURR) financial analysis — history, returns, DCA and operating performance tools
Historical returns with dividends reinvested
Dollar cost averaging vs lump sum
Yield, growth, payout safety & DRIP
EPS trends, net income & profitability
Long-term charts & historical price data
Sales growth patterns & revenue breakdown
30 years of market, efficiency and balance-sheet ratios
DCF intrinsic value, peer multiples & estimates