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CURR logoCurrenc Group, Inc.(CURR)Earnings, Financials & Key Ratios

CURR•NASDAQ•Banking & Credit
$3.88
$297M mkt cap·Price updated May 6, 2026
SectorFinancial ServicesIndustryCredit ServicesSub-IndustryPayment Networks and Merchant Acquiring
AboutCurrenc Group, Inc. engages in operating a fintech banking platform. It operates through the following segments: Remittance Services, Sales of Airtime, and Other Services. The company is headquartered in Singapore.Show more
  • Net Interest Income-$9M-6.4%
  • Total Revenue$46M-12.8%
  • Net Income-$39M-157.9%
  • Net Interest Margin-7.85%-38.8%
  • Efficiency Ratio90.38%+100.5%
  • ROA-31.59%-211.7%
  • Equity / Assets-38.5%-50.5%
  • Book Value per Share-1.09-122.8%
  • Tangible BV/Share-1.50-52.6%
Technical→

CURR Key Insights

Currenc Group, Inc. (CURR) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓Momentum leader: RS Rating 94 (top 6%)
  • ✓Share count reduced 48.2% through buybacks
  • ✓Diversified revenue: 100.0% from non-interest income

✗Weaknesses

  • ✗Weak NIM of -7.9%
  • ✗High cost structure: 90.4% efficiency ratio
  • ✗Thin capital base

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

CURR Price & Volume

Currenc Group, Inc. (CURR) stock price & volume — 10-year historical chart

Loading chart...

CURR Growth Metrics

Currenc Group, Inc. (CURR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years68.49%
5 Years136.85%
3 Years-6.88%
TTM-

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM-110.31%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM-641.25%

Return on Capital

10 Years-713.83%
5 Years-743.08%
3 Years-1484.66%
Last Year-

CURR Recent Earnings

Currenc Group, Inc. (CURR) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 1/12 qtrs (33%)●Beat Revenue 1/12 qtrs (33%)
Q4 2025Latest
Nov 10, 2025
EPS
$0.05
Est $0.12
+141.7%
Revenue
$10M
Est $9M
+18.1%
Q3 2025
Aug 4, 2025
EPS
$0.10
Est $0.04
-150.0%
Revenue
$9M
Est $10M
-16.2%
Q2 2025
May 20, 2025
EPS
$0.13
Est $0.04
-225.0%
Revenue
$10M
Est $11M
-4.2%
Q1 2025
Feb 25, 2025
EPS
$0.59
Revenue
$11M
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q4 2025LatestNov 10, 2025
$0.05vs $0.12+141.7%
$10Mvs $9M+18.1%
Q3 2025Aug 4, 2025
$0.10vs $0.04-150.0%
$9Mvs $10M-16.2%
Q2 2025May 20, 2025
$0.13vs $0.04-225.0%
$10Mvs $11M-4.2%
Q1 2025Feb 25, 2025
$0.59
$11M
Based on last 12 quarters of dataView full earnings history →

CURR Peer Comparison

Currenc Group, Inc. (CURR) competitors in Payment Networks and Merchant Acquiring — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
IMXI logoIMXIInternational Money Express, Inc.Direct Competitor644.73M15.8514.68-7.72%6.26%27.64%2.45%
MGNI logoMGNIMagnite, Inc.Direct Competitor1.91B13.3914.096.85%20.26%15.68%8.65%0.30
RPAY logoRPAYRepay Holdings CorporationDirect Competitor303.9M3.45-1.15-1.21%-82.73%-46.64%29.98%0.91
EVTC logoEVTCEVERTEC, Inc.Direct Competitor1.8B28.1612.741913.07%2.2%4.44%100%1.39
PAYO logoPAYOPayoneer Global Inc.Direct Competitor1.68B4.8625.587.68%6.95%9.84%12.33%0.10
WU logoWUThe Western Union CompanyProduct Competitor2.82B8.995.87-4%12.36%47.95%13.95%
RELY logoRELYRemitly Global, Inc.Product Competitor4.97B23.7376.5529.37%1.36%2.63%5.95%0.22
FLYW logoFLYWFlywire CorporationProduct Competitor2.09B17.51159.1826.59%6.65%5.87%4.73%

Compare CURR vs Peers

Currenc Group, Inc. (CURR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs IMXI

Most directly comparable listed peer for CURR.

Scale Benchmark

vs V

Larger-name benchmark to compare CURR against a more recognizable public peer.

Peer Set

Compare Top 5

vs IMXI, MGNI, RPAY, EVTC

CURR Income Statement

Currenc Group, Inc. (CURR) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Net Interest Income-121.14K-1.58M0-4.05M-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 Income4376057K0000099.47K
Interest Expense121.57K1.58M3.04M4.11M4.65M11.54M8.2M8M8.52M2.86M
Loan Loss Provision31.76K-1.4M-2.76M-3.88M40.92M28.06M31.68M27.9M23.33M22.4M
Non-Interest Income83.73K180.4K583.94K566K61.56M57.5M55.5M53.26M46.44M40.13M
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 Expense3.86M7.34M7.86M12.43M16.4M17.86M25.63M24M41.97M27.56M
Efficiency Ratio4582.76%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 Tax14.79K1.6M-30.47K3.53M1.49M753.7K113.78K523.48K578.3K425.05K
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 Outstanding23.33M23.65M25M34.54M47.31M47.19M71.41M73.67M38.16M56.43M

CURR Balance Sheet

Currenc Group, Inc. (CURR) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash & Short Term Investments1.11M108.25K500.96K4.1M63.12M64.82M64.8M48.82M63.82M241.3M
Cash & Due from Banks1.11M108.25K500.96K4.1M61.1M62.75M62.8M48.52M63.82M50.73M
Short Term Investments00002.02M2.06M2M300K00
Total Investments000259K2.12M2.16M2.1M400K00
Investments Growth %----720.1%1.83%-2.91%-80.95%-100%1137.68%
Long-Term Investments000259K100K100K100K100K00
Accounts Receivables00004.2M2.88M3.07M2.45M2.12M1.52M
Goodwill & Intangibles894.51K900.47K1.21M25.27M34.23M32.61M36.85M36.19M15.45M14.29M
Goodwill0009.18M19.62M19.23M27M27M12.06M12.06M
Intangible Assets894.51K900.47K1.21M16.1M14.61M13.38M9.85M9.19M3.39M2.23M
PP&E (Net)370.65K337.36K299.91K704K2.51M1.45M1.66M1.17M1.4M1.27M
Other Assets151.58K117.56K302.24K35K000000
Total Current Assets1.42M744.5K1.59M6.19M98.14M102.51M121.21M103.36M91.28M70.95M
Total Non-Current Assets1.42M1.36M1.81M26.27M37.19M34.27M39.38M38.13M17.19M15.91M
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 Payable265.39K544.98K774.39K1.26M7.35K10.85K17.87K10.54K13.7K39.8M
Total Debt92.73K2.4M6.27M790K34.05M24.52M32.39M31.94M22.49M14.36M
Net Debt-1.01M2.29M5.77M-3.31M-27.05M-38.24M-30.41M-16.57M-41.33M-36.37M
Long-Term Debt00052K2.54M18.86M7.88M2.51M00
Short-Term Debt92.73K800K920K738K31.4M5.5M24.33M29.28M22.16M14.34M
Other Liabilities560K560K07.07M120.5K23.76K220.29K59.85K45.29K37.74K
Total Current Liabilities558.04K3.53M8.55M11.84M132.92M124.01M172.65M173.86M149.15M61.53M
Total Non-Current Liabilities560K560K7.43M7.12M5.01M20.87M9.72M3.81M1.08M654.61K
Total Liabilities1.12M4.09M8.55M18.95M137.93M144.88M182.37M177.68M150.23M62.18M
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 Share0.07-0.08-0.210.39-0.05-0.17-0.30-0.49-1.090.44
Tangible BV per Share0.04-0.12-0.25-0.34-0.78-0.86-0.82-0.98-1.500.18
Common Stock23.34K23.9K26.79K38K58.03K58.03K58.03K3.4K4.65K7.66K
Additional Paid-in Capital000022.49M29.17M29.17M29.23M65.64M137.62M
Retained Earnings-10.72M-18.87M-29.27M-50.63M-45.24M-60.09M-76.77M-92.08M-131.52M-137.94M
Accumulated OCI00-773.02K048.17K52.46K61.3K88.37K-108.12K598.1K
Treasury Stock0000000000
Preferred Stock0000000000

CURR Cash Flow Statement

Currenc Group, Inc. (CURR) cash flow — operating, investing & free cash flow history

Line itemDec'16Dec'17Dec'18Dec'19Dec'20Dec'21Dec'22Dec'23Dec'24TTM
Cash from Operations-3.52M-3.56M-4.1M-8.1M-9.72M12.08M-10.07M-15.29M3.45M3.45M
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 & Amortization172.61K164.6K149.8K579K939K5.98M1.58M3.99M2.9M1.84M
Deferred Taxes0634.96K918.67K3.35M366K-369.73K25.51M494.74K127.66K-198.04K
Other Non-Cash Items771.65K1.57M2.04M6.88M16.6M-280.81K-15M705.36K346.89K17.03M
Working Capital Changes-303.21K543.49K766.86K-1.67M-427K19.63M1.72M-6.06M18.68M6.2M
Cash from Investing-206.77K-88.92K-137.79K7.57M-131K-406.34K13.84M1.44M-565.03K-563.14K
Purchase of Investments-20.42K-5K0-259K-250K-458000-363.93K
Sale/Maturity of Investments0-115.18K0209K235K001.7M00
Net Investment Activity-20.42K-120.18K0-50K-15K-45801.7M0-363.93K
Acquisitions065.7K08.23M1.11M0-53K011.64K0
Other Investing-64.22K-49.48K0-150K-535K013.89M36.68K0-199.21K
Cash from Financing4.82M2.65M4.63M4.13M7.48M-10.12M-837K-1.2M2.02M-523.22K
Dividends Paid000000-1.91M000
Share Repurchases0000000000
Stock Issued00500K2.5M000000
Net Stock Activity00500K2.5M000000
Debt Issuance (Net)00001000K-1000K-1000K-1000K1000K-463.61K
Other Financing4.82M2.65M4.63M4.13M1.79M04.93M00-59.6K
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 Effect0000000000
Cash at Beginning13.35K1.11M108.25K501K4.1M70.27M16K74M58.96M59.62M
Cash at End1.11M108.25K500.96K4.1M1.73M71.82M2.94M58.96M63.86M50.73M
Interest Paid0000001.35M1.82M1.07M165.51K
Income Taxes Paid000002.13M1.2M0445.53K460.51K
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%

CURR Banking Ratios

Currenc Group, Inc. (CURR) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric201620172018201920202021202220232024TTM
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 Ratio4582.76%4069.69%1346.32%1994.7%26.63%31.06%46.19%45.07%90.38%68.5%
Equity / Assets60.56%-94.73%-151.81%41.61%-1.92%-5.92%-13.56%-25.57%-38.5%28.4%
Book Value / Share0.07-0.08-0.210.39-0.05-0.17-0.3-0.49-1.090.44
NII Growth30.09%-1206.13%100%--14.77%-148.02%28.94%2.41%-6.4%74.98%
Dividend Payout---------0%

CURR SEC Filings & Documents

Currenc Group, Inc. (CURR) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

Mar 4, 2025·SEC

Material company update

Dec 26, 2024·SEC

Material company update

Jul 5, 2024·SEC

10-K Annual Reports

4
FY 2024

May 17, 2024·SEC

FY 2023

Jul 28, 2023·SEC

FY 2022

Apr 1, 2022·SEC

10-Q Quarterly Reports

6
FY 2024

Nov 19, 2024·SEC

FY 2024

Aug 14, 2024·SEC

FY 2024

May 30, 2024·SEC

CURR Frequently Asked Questions

Currenc Group, Inc. (CURR) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

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.

Industry Metrics

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.

Explore More CURR

Currenc Group, Inc. (CURR) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

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DCA Calculator

Dollar cost averaging vs lump sum

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Dividend History

Yield, growth, payout safety & DRIP

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Earnings History

EPS trends, net income & profitability

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Price History

Long-term charts & historical price data

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Revenue History

Sales growth patterns & revenue breakdown

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Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

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