Currenc Group, Inc. (CURR) 10-Year Financial Performance & Capital Metrics

CURR • • Banking & Credit

Financial ServicesCredit ServicesPayment Processing & Digital PaymentsDigital Payment Platforms

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%
Return on Equity -
Net Interest Margin -7.85% -38.8%
Efficiency Ratio 90.38% +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%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓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
✗Weak momentum: RS Rating 16 (bottom 16%)
✗Thin capital base
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y68.49%

5Y136.85%

3Y-6.88%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-110.31%

EPS CAGR

10Y-

5Y-

3Y-

TTM-641.25%

ROCE

10Y Avg-713.83%

5Y Avg-743.08%

3Y Avg-1484.66%

Latest-

Peer Comparison

Digital Payment Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
SEZLSezzle Inc.	2.6B	76.26	34.82	70.14%	28.96%	74.58%	1.51%	1.19
PYPLPayPal Holdings, Inc.	52.92B	56.56	14.18	6.81%	13.04%	24.34%	12.79%	0.48
WUThe Western Union Company	2.92B	9.20	3.36	-3.38%	22.19%	83.3%	12.62%	3.23
CURRCurrenc Group, Inc.	123.32M	1.61	-1.56	-12.81%	-85.01%	-138.16%	2.33%
GDOTGreen Dot Corporation	682.14M	12.28	-24.56	14.82%	-1.55%	-5.14%	1.04%	0.07

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-173.26K	-121.14K	-1.58M	0	-4.05M	-4.65M	-11.54M	-8.2M	-8M	-8.52M
NII Growth %	-	0.3%	-12.06%	1%	-	-0.15%	-1.48%	0.29%	0.02%	-0.06%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	199	437	6	0	57K	0	0	0	0	0
Interest Expense	173.46K	121.57K	1.58M	3.04M	4.11M	4.65M	11.54M	8.2M	8M	8.52M
Loan Loss Provision	-56.45K	31.76K	-1.4M	-2.76M	-3.88M	40.92M	28.06M	31.68M	27.9M	23.33M
Non-Interest Income+	183.23K	83.73K	180.4K	583.94K	566K	61.56M	57.5M	55.5M	53.26M	46.44M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	183.43K	84.17K	180.4K	583.94K	623K	61.56M	57.5M	55.5M	53.26M	46.44M
Revenue Growth %	-0.27%	-0.54%	1.14%	2.24%	0.07%	97.82%	-0.07%	-0.03%	-0.04%	-0.13%
Non-Interest Expense	1.6M	3.86M	7.34M	7.86M	12.43M	16.4M	17.86M	25.63M	24M	41.97M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	-1.54M	-3.93M	-7.34M	-7.56M	-12.04M	-405.98K	39.72K	-10.01M	-6.65M	-27.38M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-1.05%	-1.56%	-0.87%	-0.03%	-0.59%	0.97%	1.1%	-253.12%	0.34%	-3.12%
Pretax Income+	-1.6M	-4.16M	-8.16M	-10.43M	-21.37M	-3.57M	-12.13M	-15.61M	-13.89M	-38.25M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	0	14.79K	1.6M	-30.47K	3.53M	1.49M	753.7K	113.78K	523.48K	578.3K
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-1.6M	-4.16M	-8.15M	-10.4M	-24.9M	-6.72M	-14.85M	-16.68M	-15.31M	-39.48M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-1.76%	-1.59%	-0.96%	-0.28%	-1.39%	0.73%	-1.21%	-0.12%	0.08%	-1.58%
Net Income (Continuing)	-1.6M	-4.16M	-8.15M	-10.4M	-24.9M	-5.07M	-12.89M	-15.73M	-14.42M	-38.83M
EPS (Diluted)+	-0.06	-0.18	-0.34	-0.42	-0.72	-0.50	-0.33	-0.09	-0.21	-1.03
EPS Growth %	-1.58%	-1.8%	-0.89%	-0.24%	-0.71%	0.31%	0.34%	0.73%	-1.34%	-3.9%
EPS (Basic)	-0.06	-0.18	-0.34	-0.42	-0.72	-0.50	-0.33	-0.09	-0.21	-1.03
Diluted Shares Outstanding	24.98M	23.33M	23.65M	25M	34.54M	47.31M	47.19M	71.41M	73.67M	38.16M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	13.35K	1000K	108.25K	500.96K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	13.35K	1.11M	108.25K	500.96K	4.1M	61.1M	62.75M	62.8M	48.52M	63.82M
Short Term Investments	0	0	0	0	0	1000K	1000K	1000K	300K	0
Total Investments+	0	0	0	0	259K	2.12M	2.16M	2.1M	400K	0
Investments Growth %	-	-	-	-	-	7.2%	0.02%	-0.03%	-0.81%	-1%
Long-Term Investments	0	0	0	0	259K	100K	100K	100K	100K	0
Accounts Receivables	0	0	0	0	0	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	9.18M	19.62M	19.23M	27M	27M	12.06M
Intangible Assets	949.73K	894.51K	900.47K	1.21M	16.1M	14.61M	13.38M	9.85M	9.19M	3.39M
PP&E (Net)	381.83K	370.65K	337.36K	299.91K	704K	2.51M	1.45M	1.66M	1.17M	1.4M
Other Assets	177.82K	151.58K	117.56K	302.24K	35K	0	0	0	0	0
Total Current Assets	312.77K	1.42M	744.5K	1.59M	6.19M	98.14M	102.51M	121.21M	103.36M	91.28M
Total Non-Current Assets	1.51M	1.42M	1.36M	1.81M	26.27M	37.19M	34.27M	39.38M	38.13M	17.19M
Total Assets+	1.82M	2.84M	2.1M	3.4M	32.46M	135.33M	136.78M	160.59M	141.49M	108.47M
Asset Growth %	-0.02%	0.56%	-0.26%	0.62%	8.56%	3.17%	0.01%	0.17%	-0.12%	-0.23%
Return on Assets (ROA)	-0.87%	-1.79%	-3.3%	-3.78%	-1.39%	-0.08%	-0.11%	-0.11%	-0.1%	-0.32%
Accounts Payable	614.25K	265.39K	544.98K	774.39K	1.26M	7.35K	10.85K	17.87K	10.54K	13.7K
Total Debt+	3.97M	92.73K	2.4M	6.27M	790K	34.05M	24.52M	32.39M	31.94M	22.49M
Net Debt	3.95M	-1.01M	2.29M	5.77M	-3.31M	-27.05M	-38.24M	-30.41M	-16.57M	-41.33M
Long-Term Debt	9.45K	0	0	0	52K	2.54M	18.86M	7.88M	2.51M	0
Short-Term Debt	3.96M	92.73K	800K	920K	738K	31.4M	5.5M	24.33M	29.28M	22.16M
Other Liabilities	560K	560K	560K	0	7.07M	120.5K	23.76K	220.29K	59.85K	45.29K
Total Current Liabilities	5.09M	558.04K	3.53M	8.55M	11.84M	132.92M	124.01M	172.65M	173.86M	149.15M
Total Non-Current Liabilities	569.45K	560K	560K	7.43M	7.12M	5.01M	20.87M	9.72M	3.81M	1.08M
Total Liabilities	5.66M	1.12M	4.09M	8.55M	18.95M	137.93M	144.88M	182.37M	177.68M	150.23M
Total Equity+	-3.83M	1.72M	-1.99M	-5.16M	13.51M	-2.6M	-8.09M	-21.78M	-36.19M	-41.76M
Equity Growth %	-0.72%	1.45%	-2.16%	-1.59%	3.62%	-1.19%	-2.12%	-1.69%	-0.66%	-0.15%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-	-2.42%	-	-	-5.96%	-1.23%	-	-	-	-
Book Value per Share	-0.15	0.07	-0.08	-0.21	0.39	-0.05	-0.17	-0.30	-0.49	-1.09
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	6.63K	23.34K	23.9K	26.79K	38K	58.03K	58.03K	58.03K	3.4K	4.65K
Additional Paid-in Capital	0	0	0	0	0	22.49M	29.17M	29.17M	29.23M	65.64M
Retained Earnings	-6.56M	-10.72M	-18.87M	-29.27M	-50.63M	-45.24M	-60.09M	-76.77M	-92.08M	-131.52M
Accumulated OCI	0	0	0	-773.02K	0	48.17K	52.46K	61.3K	88.37K	-108.12K
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-402.09K	-3.52M	-3.56M	-4.1M	-8.1M	-9.72M	12.08M	-10.07M	-15.29M	3.45M
Operating CF Growth %	-0.26%	-7.75%	-0.01%	-0.15%	-0.98%	-0.2%	2.24%	-1.83%	-0.52%	1.23%
Net Income	-1.6M	-4.16M	-8.15M	-10.43M	-21.37M	-30.62M	-12.89M	-25.51M	-14.42M	-39.48M
Depreciation & Amortization	157.55K	172.61K	164.6K	149.8K	579K	939K	5.98M	1.58M	3.99M	2.9M
Deferred Taxes	0	0	634.96K	918.67K	3.35M	366K	-369.73K	25.51M	494.74K	127.66K
Other Non-Cash Items	0	771.65K	1.57M	2.04M	6.88M	16.6M	-280.81K	-15M	705.36K	346.89K
Working Capital Changes	1.04M	-303.21K	543.49K	766.86K	-1.67M	-427K	19.63M	1.72M	-6.06M	18.68M
Cash from Investing+	-270.37K	-206.77K	-88.92K	-137.79K	7.57M	-131K	-406.34K	13.84M	1.44M	-565.03K
Purchase of Investments	0	-20.42K	-5K	0	-259K	-250K	-458	0	0	0
Sale/Maturity of Investments	0	0	-115.18K	0	209K	235K	0	0	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	65.7K	0	8.23M	1.11M	0	-53K	0	11.64K
Other Investing	-83.98K	-64.22K	-49.48K	0	-150K	-535K	0	13.89M	36.68K	0
Cash from Financing+	681.61K	4.82M	2.65M	4.63M	4.13M	7.48M	-10.12M	-837K	-1.2M	2.02M
Dividends Paid	0	0	0	0	0	0	0	-1.91M	0	0
Share Repurchases	0	0	0	0	0	0	0	0	0	0
Stock Issued	0	0	0	500K	2.5M	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	0	0	0	1000K	-1000K	-1000K	-1000K	1000K
Other Financing	681.61K	4.82M	2.65M	4.63M	4.13M	1.79M	0	4.93M	0	0
Net Change in Cash+	9.15K	1.09M	-997.89K	392.71K	3.6M	-2.37M	1.55M	2.93M	-15.04M	4.9M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	4.21K	13.35K	1.11M	108.25K	501K	4.1M	70.27M	16K	74M	58.96M
Cash at End	13.35K	1.11M	108.25K	500.96K	4.1M	1.73M	71.82M	2.94M	58.96M	63.86M
Interest Paid	0	0	0	0	0	0	0	1.35M	1.82M	1.07M
Income Taxes Paid	0	0	0	0	0	0	2.13M	1.2M	0	445.53K
Free Cash Flow+	-654.52K	-3.68M	-3.71M	-4.24M	-8.56M	-10.41M	11.67M	-10.07M	-15.58M	2.87M
FCF Growth %	-0.15%	-4.63%	-0.01%	-0.14%	-1.02%	-0.22%	2.12%	-1.86%	-0.55%	1.18%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-	-242.13%	-	-	-596.28%	-123.28%	-	-	-	-
Return on Assets (ROA)	-86.96%	-178.54%	-330.29%	-378.47%	-138.88%	-8.02%	-10.91%	-11.22%	-10.13%	-31.59%
Net Interest Margin	-9.51%	-4.27%	-75.35%	0%	-12.49%	-3.44%	-8.44%	-5.11%	-5.66%	-7.85%
Efficiency Ratio	873.33%	4582.76%	4069.69%	1346.32%	1994.7%	26.63%	31.06%	46.19%	45.07%	90.38%
Equity / Assets	-210.38%	60.56%	-94.73%	-151.81%	41.61%	-1.92%	-5.92%	-13.56%	-25.57%	-38.5%
Book Value / Share	-0.15	0.07	-0.08	-0.21	0.39	-0.05	-0.17	-0.3	-0.49	-1.09
NII Growth	-	30.09%	-1206.13%	100%	-	-14.77%	-148.02%	28.94%	2.41%	-6.4%

Frequently Asked Questions

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.

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Currenc Group, Inc. (CURR) 10-Year Financial Performance & Capital Metrics

CURR • • Banking & Credit

Financial ServicesCredit ServicesPayment Processing & Digital PaymentsDigital Payment Platforms

Net Interest Income -$9M -6.4%
Total Revenue $46M -12.8%
Net Income -$39M -157.9%
Return on Equity -
Net Interest Margin -7.85% -38.8%
Efficiency Ratio 90.38% +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%
Debt/Equity -

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓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
✗Weak momentum: RS Rating 16 (bottom 16%)
✗Thin capital base
✗Trading more than 30% below 52-week high

Price & Volume

Loading chart...

Growth Metrics

Revenue CAGR

10Y68.49%

5Y136.85%

3Y-6.88%

TTM-

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-110.31%

EPS CAGR

10Y-

5Y-

3Y-

TTM-641.25%

ROCE

10Y Avg-713.83%

5Y Avg-743.08%

3Y Avg-1484.66%

Latest-

Peer Comparison

Digital Payment Platforms

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
SEZLSezzle Inc.	2.6B	76.26	34.82	70.14%	28.96%	74.58%	1.51%	1.19
PYPLPayPal Holdings, Inc.	52.92B	56.56	14.18	6.81%	13.04%	24.34%	12.79%	0.48
WUThe Western Union Company	2.92B	9.20	3.36	-3.38%	22.19%	83.3%	12.62%	3.23
CURRCurrenc Group, Inc.	123.32M	1.61	-1.56	-12.81%	-85.01%	-138.16%	2.33%
GDOTGreen Dot Corporation	682.14M	12.28	-24.56	14.82%	-1.55%	-5.14%	1.04%	0.07

Profit & Loss

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Net Interest Income+	-173.26K	-121.14K	-1.58M	0	-4.05M	-4.65M	-11.54M	-8.2M	-8M	-8.52M
NII Growth %	-	0.3%	-12.06%	1%	-	-0.15%	-1.48%	0.29%	0.02%	-0.06%
Net Interest Margin %	-	-	-	-	-	-	-	-	-	-
Interest Income	199	437	6	0	57K	0	0	0	0	0
Interest Expense	173.46K	121.57K	1.58M	3.04M	4.11M	4.65M	11.54M	8.2M	8M	8.52M
Loan Loss Provision	-56.45K	31.76K	-1.4M	-2.76M	-3.88M	40.92M	28.06M	31.68M	27.9M	23.33M
Non-Interest Income+	183.23K	83.73K	180.4K	583.94K	566K	61.56M	57.5M	55.5M	53.26M	46.44M
Non-Interest Income %	-	-	-	-	-	-	-	-	-	-
Total Revenue+	183.43K	84.17K	180.4K	583.94K	623K	61.56M	57.5M	55.5M	53.26M	46.44M
Revenue Growth %	-0.27%	-0.54%	1.14%	2.24%	0.07%	97.82%	-0.07%	-0.03%	-0.04%	-0.13%
Non-Interest Expense	1.6M	3.86M	7.34M	7.86M	12.43M	16.4M	17.86M	25.63M	24M	41.97M
Efficiency Ratio	-	-	-	-	-	-	-	-	-	-
Operating Income+	-1.54M	-3.93M	-7.34M	-7.56M	-12.04M	-405.98K	39.72K	-10.01M	-6.65M	-27.38M
Operating Margin %	-	-	-	-	-	-	-	-	-	-
Operating Income Growth %	-1.05%	-1.56%	-0.87%	-0.03%	-0.59%	0.97%	1.1%	-253.12%	0.34%	-3.12%
Pretax Income+	-1.6M	-4.16M	-8.16M	-10.43M	-21.37M	-3.57M	-12.13M	-15.61M	-13.89M	-38.25M
Pretax Margin %	-	-	-	-	-	-	-	-	-	-
Income Tax+	0	14.79K	1.6M	-30.47K	3.53M	1.49M	753.7K	113.78K	523.48K	578.3K
Effective Tax Rate %	-	-	-	-	-	-	-	-	-	-
Net Income+	-1.6M	-4.16M	-8.15M	-10.4M	-24.9M	-6.72M	-14.85M	-16.68M	-15.31M	-39.48M
Net Margin %	-	-	-	-	-	-	-	-	-	-
Net Income Growth %	-1.76%	-1.59%	-0.96%	-0.28%	-1.39%	0.73%	-1.21%	-0.12%	0.08%	-1.58%
Net Income (Continuing)	-1.6M	-4.16M	-8.15M	-10.4M	-24.9M	-5.07M	-12.89M	-15.73M	-14.42M	-38.83M
EPS (Diluted)+	-0.06	-0.18	-0.34	-0.42	-0.72	-0.50	-0.33	-0.09	-0.21	-1.03
EPS Growth %	-1.58%	-1.8%	-0.89%	-0.24%	-0.71%	0.31%	0.34%	0.73%	-1.34%	-3.9%
EPS (Basic)	-0.06	-0.18	-0.34	-0.42	-0.72	-0.50	-0.33	-0.09	-0.21	-1.03
Diluted Shares Outstanding	24.98M	23.33M	23.65M	25M	34.54M	47.31M	47.19M	71.41M	73.67M	38.16M

Balance Sheet

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash & Short Term Investments+	13.35K	1000K	108.25K	500.96K	1000K	1000K	1000K	1000K	1000K	1000K
Cash & Due from Banks	13.35K	1.11M	108.25K	500.96K	4.1M	61.1M	62.75M	62.8M	48.52M	63.82M
Short Term Investments	0	0	0	0	0	1000K	1000K	1000K	300K	0
Total Investments+	0	0	0	0	259K	2.12M	2.16M	2.1M	400K	0
Investments Growth %	-	-	-	-	-	7.2%	0.02%	-0.03%	-0.81%	-1%
Long-Term Investments	0	0	0	0	259K	100K	100K	100K	100K	0
Accounts Receivables	0	0	0	0	0	1000K	1000K	1000K	1000K	1000K
Goodwill & Intangibles+	-	-	-	-	-	-	-	-	-	-
Goodwill	0	0	0	0	9.18M	19.62M	19.23M	27M	27M	12.06M
Intangible Assets	949.73K	894.51K	900.47K	1.21M	16.1M	14.61M	13.38M	9.85M	9.19M	3.39M
PP&E (Net)	381.83K	370.65K	337.36K	299.91K	704K	2.51M	1.45M	1.66M	1.17M	1.4M
Other Assets	177.82K	151.58K	117.56K	302.24K	35K	0	0	0	0	0
Total Current Assets	312.77K	1.42M	744.5K	1.59M	6.19M	98.14M	102.51M	121.21M	103.36M	91.28M
Total Non-Current Assets	1.51M	1.42M	1.36M	1.81M	26.27M	37.19M	34.27M	39.38M	38.13M	17.19M
Total Assets+	1.82M	2.84M	2.1M	3.4M	32.46M	135.33M	136.78M	160.59M	141.49M	108.47M
Asset Growth %	-0.02%	0.56%	-0.26%	0.62%	8.56%	3.17%	0.01%	0.17%	-0.12%	-0.23%
Return on Assets (ROA)	-0.87%	-1.79%	-3.3%	-3.78%	-1.39%	-0.08%	-0.11%	-0.11%	-0.1%	-0.32%
Accounts Payable	614.25K	265.39K	544.98K	774.39K	1.26M	7.35K	10.85K	17.87K	10.54K	13.7K
Total Debt+	3.97M	92.73K	2.4M	6.27M	790K	34.05M	24.52M	32.39M	31.94M	22.49M
Net Debt	3.95M	-1.01M	2.29M	5.77M	-3.31M	-27.05M	-38.24M	-30.41M	-16.57M	-41.33M
Long-Term Debt	9.45K	0	0	0	52K	2.54M	18.86M	7.88M	2.51M	0
Short-Term Debt	3.96M	92.73K	800K	920K	738K	31.4M	5.5M	24.33M	29.28M	22.16M
Other Liabilities	560K	560K	560K	0	7.07M	120.5K	23.76K	220.29K	59.85K	45.29K
Total Current Liabilities	5.09M	558.04K	3.53M	8.55M	11.84M	132.92M	124.01M	172.65M	173.86M	149.15M
Total Non-Current Liabilities	569.45K	560K	560K	7.43M	7.12M	5.01M	20.87M	9.72M	3.81M	1.08M
Total Liabilities	5.66M	1.12M	4.09M	8.55M	18.95M	137.93M	144.88M	182.37M	177.68M	150.23M
Total Equity+	-3.83M	1.72M	-1.99M	-5.16M	13.51M	-2.6M	-8.09M	-21.78M	-36.19M	-41.76M
Equity Growth %	-0.72%	1.45%	-2.16%	-1.59%	3.62%	-1.19%	-2.12%	-1.69%	-0.66%	-0.15%
Equity / Assets (Capital Ratio)	-	-	-	-	-	-	-	-	-	-
Return on Equity (ROE)	-	-2.42%	-	-	-5.96%	-1.23%	-	-	-	-
Book Value per Share	-0.15	0.07	-0.08	-0.21	0.39	-0.05	-0.17	-0.30	-0.49	-1.09
Tangible BV per Share	-	-	-	-	-	-	-	-	-	-
Common Stock	6.63K	23.34K	23.9K	26.79K	38K	58.03K	58.03K	58.03K	3.4K	4.65K
Additional Paid-in Capital	0	0	0	0	0	22.49M	29.17M	29.17M	29.23M	65.64M
Retained Earnings	-6.56M	-10.72M	-18.87M	-29.27M	-50.63M	-45.24M	-60.09M	-76.77M	-92.08M	-131.52M
Accumulated OCI	0	0	0	-773.02K	0	48.17K	52.46K	61.3K	88.37K	-108.12K
Treasury Stock	0	0	0	0	0	0	0	0	0	0
Preferred Stock	0	0	0	0	0	0	0	0	0	0

Cash Flow

	Dec 2015	Dec 2016	Dec 2017	Dec 2018	Dec 2019	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	-402.09K	-3.52M	-3.56M	-4.1M	-8.1M	-9.72M	12.08M	-10.07M	-15.29M	3.45M
Operating CF Growth %	-0.26%	-7.75%	-0.01%	-0.15%	-0.98%	-0.2%	2.24%	-1.83%	-0.52%	1.23%
Net Income	-1.6M	-4.16M	-8.15M	-10.43M	-21.37M	-30.62M	-12.89M	-25.51M	-14.42M	-39.48M
Depreciation & Amortization	157.55K	172.61K	164.6K	149.8K	579K	939K	5.98M	1.58M	3.99M	2.9M
Deferred Taxes	0	0	634.96K	918.67K	3.35M	366K	-369.73K	25.51M	494.74K	127.66K
Other Non-Cash Items	0	771.65K	1.57M	2.04M	6.88M	16.6M	-280.81K	-15M	705.36K	346.89K
Working Capital Changes	1.04M	-303.21K	543.49K	766.86K	-1.67M	-427K	19.63M	1.72M	-6.06M	18.68M
Cash from Investing+	-270.37K	-206.77K	-88.92K	-137.79K	7.57M	-131K	-406.34K	13.84M	1.44M	-565.03K
Purchase of Investments	0	-20.42K	-5K	0	-259K	-250K	-458	0	0	0
Sale/Maturity of Investments	0	0	-115.18K	0	209K	235K	0	0	1000K	0
Net Investment Activity	-	-	-	-	-	-	-	-	-	-
Acquisitions	0	0	65.7K	0	8.23M	1.11M	0	-53K	0	11.64K
Other Investing	-83.98K	-64.22K	-49.48K	0	-150K	-535K	0	13.89M	36.68K	0
Cash from Financing+	681.61K	4.82M	2.65M	4.63M	4.13M	7.48M	-10.12M	-837K	-1.2M	2.02M
Dividends Paid	0	0	0	0	0	0	0	-1.91M	0	0
Share Repurchases	0	0	0	0	0	0	0	0	0	0
Stock Issued	0	0	0	500K	2.5M	0	0	0	0	0
Net Stock Activity	-	-	-	-	-	-	-	-	-	-
Debt Issuance (Net)	0	0	0	0	0	1000K	-1000K	-1000K	-1000K	1000K
Other Financing	681.61K	4.82M	2.65M	4.63M	4.13M	1.79M	0	4.93M	0	0
Net Change in Cash+	9.15K	1.09M	-997.89K	392.71K	3.6M	-2.37M	1.55M	2.93M	-15.04M	4.9M
Exchange Rate Effect	0	0	0	0	0	0	0	0	0	0
Cash at Beginning	4.21K	13.35K	1.11M	108.25K	501K	4.1M	70.27M	16K	74M	58.96M
Cash at End	13.35K	1.11M	108.25K	500.96K	4.1M	1.73M	71.82M	2.94M	58.96M	63.86M
Interest Paid	0	0	0	0	0	0	0	1.35M	1.82M	1.07M
Income Taxes Paid	0	0	0	0	0	0	2.13M	1.2M	0	445.53K
Free Cash Flow+	-654.52K	-3.68M	-3.71M	-4.24M	-8.56M	-10.41M	11.67M	-10.07M	-15.58M	2.87M
FCF Growth %	-0.15%	-4.63%	-0.01%	-0.14%	-1.02%	-0.22%	2.12%	-1.86%	-0.55%	1.18%

Banking Ratios

Metric	2015	2016	2017	2018	2019	2020	2021	2022	2023	2024
Return on Equity (ROE)	-	-242.13%	-	-	-596.28%	-123.28%	-	-	-	-
Return on Assets (ROA)	-86.96%	-178.54%	-330.29%	-378.47%	-138.88%	-8.02%	-10.91%	-11.22%	-10.13%	-31.59%
Net Interest Margin	-9.51%	-4.27%	-75.35%	0%	-12.49%	-3.44%	-8.44%	-5.11%	-5.66%	-7.85%
Efficiency Ratio	873.33%	4582.76%	4069.69%	1346.32%	1994.7%	26.63%	31.06%	46.19%	45.07%	90.38%
Equity / Assets	-210.38%	60.56%	-94.73%	-151.81%	41.61%	-1.92%	-5.92%	-13.56%	-25.57%	-38.5%
Book Value / Share	-0.15	0.07	-0.08	-0.21	0.39	-0.05	-0.17	-0.3	-0.49	-1.09
NII Growth	-	30.09%	-1206.13%	100%	-	-14.77%	-148.02%	28.94%	2.41%	-6.4%

Frequently Asked Questions

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.