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Currenc Group, Inc.(CURR)Earnings, Financials & Key Ratios
CURR•NASDAQ•Banking & Credit
Price updated Jun 19, 2026
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-$3M+63.5%
- Total Revenue$38M-18.6%
- Net Income-$18M+53.3%
- Return on Equity-98.82%
- Net Interest Margin-2.73%+65.3%
- Efficiency Ratio61.76%-31.7%
- ROA-16.56%+47.6%
- Equity / Assets16.35%+142.5%
- Book Value per Share0.30+127.7%
CURR Key Insights
Currenc Group, Inc. (CURR) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Momentum leader: RS Rating 86 (top 14%)
- ✓Well capitalized: 16.4% equity/assets
- ✓Diversified revenue: 100.0% from non-interest income
✗Weaknesses
- ✗Profits declining 22.3% over 5 years
- ✗Weak NIM of -2.7%
- ✗Shares diluted 61.1% in last year
- ✗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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CURR Price & Volume
Currenc Group, Inc. (CURR) stock price & volume — 10-year historical chart
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CURR Growth Metrics
Currenc Group, Inc. (CURR) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years70.38%
5 Years-9.29%
3 Years-12.01%
TTM-
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM53.31%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM61.84%
Return on Capital
10 Years-645.45%
5 Years-750.53%
3 Years-94.96%
Last Year-33.34%
CURR Recent Earnings
Currenc Group, Inc. (CURR) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 1/12 qtrs (25%)●Beat Revenue 1/12 qtrs (25%)
Q2 2026Latest
May 1, 2026Metric
Actual
Est
EPS
$0.12
—
Rev
—
—
Q2 2026
Apr 30, 2026Metric
Actual
Est
EPS
$0.16-45.5%
$0.11
Rev
$9M-8.9%
$10M
Q4 2025
Nov 10, 2025Metric
Actual
Est
EPS
$0.05+141.7%
$0.12
Rev
$10M+18.1%
$9M
Q3 2025
Aug 4, 2025Metric
Actual
Est
EPS
$0.10-150.0%
$0.04
Rev
$9M-16.2%
$10M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 1, 2026 | $0.12 | — |
| Q2 2026 | Apr 30, 2026 | $0.16vs $0.11-45.5% | $9Mvs $10M-8.9% |
| Q4 2025 | 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% |
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
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 IMXI | 430.95M | 14.32 | 13.26 | -7.72% | 5.27% | 16.51% | 1.34 | |
 MGNI | 2.56B | 17.89 | 18.83 | 6.85% | 21.96% | 18.57% | 0.30 | |
 RPAY | 298.61M | 3.39 | -1.13 | -1.21% | -82.73% | -46.64% | 0.91 | |
 EVTC | 1.58B | 25.72 | 11.69 | 10.21% | 13.95% | 18.65% | 1.58 | |
 PAYO | 2.35B | 7.02 | 36.95 | 7.68% | 6.76% | 10.01% | 0.10 | |
 WU | 2.23B | 7.13 | 4.66 | -4% | 10.89% | 47.95% | ||
 RELY | 4.44B | 21.10 | 68.06 | 29.37% | 6.12% | 12.66% | 0.25 | |
 FLYW | 1.89B | 15.85 | 144.09 | 26.59% | 6.65% | 5.87% |
Compare CURR vs Peers
Currenc Group, Inc. (CURR) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
CURR Income Statement
Currenc Group, Inc. (CURR) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Net Interest Income | -1.58M | 0 | -4.05M | -4.65M | -11.54M | -8.2M | -8M | -8.52M | -3.11M |
NII Growth % | -1206.13% | 100% | - | -14.77% | -148.02% | 28.94% | 2.41% | -6.4% | 63.47% |
Net Interest Margin % | -75.35% | 0% | -12.49% | -3.44% | -8.44% | -5.11% | -5.66% | -7.85% | -2.73% |
Interest Income | 6 | 0 | 57K | 0 | 0 | 0 | 0 | 0 | 0 |
Interest Expense | 1.58M | 3.04M | 4.11M | 4.65M | 11.54M | 8.2M | 8M | 8.52M | 3.11M |
Loan Loss Provision | -1.4M | -2.76M | -3.88M | 40.92M | 28.06M | 31.68M | 27.9M | 23.33M | 19.29M |
Non-Interest Income | 180.4K | 583.94K | 566K | 61.56M | 57.5M | 55.5M | 53.26M | 46.44M | 37.81M |
Non-Interest Income % | 100% | 100% | 90.85% | 100% | 100% | 100% | 100% | 100% | 100% |
Total Revenue | 180.4K▲ 0% | 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% | 37.81M▼ 18.6% |
Revenue Growth % | 114.35% | 223.69% | 6.69% | 9782% | -6.6% | -3.48% | -4.05% | -12.81% | -18.57% |
Non-Interest Expense | 7.34M | 7.86M | 12.43M | 16.4M | 17.86M | 25.63M | 24M | 41.97M | 23.35M |
Efficiency Ratio | 4069.69% | 1346.32% | 1994.7% | 26.63% | 31.06% | 46.19% | 45.07% | 90.38% | 61.76% |
Operating Income | -7.34M▲ 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% | -7.94M▲ 71.0% |
Operating Margin % | -4069.81% | -1294.26% | -1931.78% | -0.66% | 0.07% | -18.04% | -12.48% | -58.96% | -20.99% |
Operating Income Growth % | -87% | -2.94% | -59.24% | 96.63% | 109.78% | -25311.9% | 33.64% | -311.93% | 71.01% |
Pretax Income | -8.16M▲ 0% | -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% | -18.35M▲ 52.0% |
Pretax Margin % | -4525.23% | -1786.29% | -3430.66% | -5.8% | -21.1% | -28.13% | -26.09% | -82.37% | -48.54% |
Income Tax | 1.6M | -30.47K | 3.53M | 1.49M | 753.7K | 113.78K | 523.48K | 578.3K | 148.93K |
Effective Tax Rate % | -19.59% | 0.29% | -16.5% | -41.77% | -6.21% | -0.73% | -3.77% | -1.51% | -0.81% |
Net Income | -8.15M▲ 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% | -18.43M▲ 53.3% |
Net Margin % | -4517.57% | -1781.07% | -3996.63% | -10.92% | -25.82% | -30.05% | -28.74% | -85.01% | -48.74% |
Net Income Growth % | -96.03% | -27.61% | -139.4% | 72.99% | -120.82% | -12.32% | 8.22% | -157.9% | 53.31% |
Net Income (Continuing) | -8.15M | -10.4M | -24.9M | -5.07M | -12.89M | -15.73M | -14.42M | -38.83M | -18.5M |
EPS (Diluted) | -0.34▲ 0% | -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% | -0.30▲ 70.9% |
EPS Growth % | -88.89% | -23.53% | -71.43% | 30.56% | 34% | 72.82% | -134.11% | -390.48% | 70.87% |
EPS (Basic) | -0.34 | -0.42 | -0.72 | -0.50 | -0.33 | -0.09 | -0.21 | -1.03 | -0.30 |
Diluted Shares Outstanding | 23.65M | 25M | 34.54M | 47.31M | 47.19M | 71.41M | 73.67M | 38.16M | 61.47M |
CURR Balance Sheet
Currenc Group, Inc. (CURR) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 108.25K | 500.96K | 4.1M | 63.12M | 64.82M | 64.8M | 48.82M | 63.82M | 78.64M |
Cash & Due from Banks | 108.25K | 500.96K | 4.1M | 61.1M | 62.75M | 62.8M | 48.52M | 63.82M | 75.24M |
Short Term Investments | 0 | 0 | 0 | 2.02M | 2.06M | 2M | 300K | 0 | 3.39M |
Total Investments | 0 | 0 | 259K | 2.12M | 2.16M | 2.1M | 400K | 0 | 3.39M |
Investments Growth % | - | - | - | 720.1% | 1.83% | -2.91% | -80.95% | -100% | - |
Long-Term Investments | 0 | 0 | 259K | 100K | 100K | 100K | 100K | 0 | 0 |
Accounts Receivables | 0 | 0 | 0 | 4.2M | 2.88M | 3.07M | 2.45M | 2.12M | 1.25M |
Goodwill & Intangibles | 900.47K | 1.21M | 25.27M | 34.23M | 32.61M | 36.85M | 36.19M | 15.45M | 11.57M |
Goodwill | 0 | 0 | 9.18M | 19.62M | 19.23M | 27M | 27M | 12.06M | 9.73M |
Intangible Assets | 900.47K | 1.21M | 16.1M | 14.61M | 13.38M | 9.85M | 9.19M | 3.39M | 1.85M |
PP&E (Net) | 337.36K | 299.91K | 704K | 2.51M | 1.45M | 1.66M | 1.17M | 1.4M | 1.24M |
Other Assets | 117.56K | 302.24K | 35K | 0 | 0 | 0 | 0 | 0 | 0 |
Total Current Assets | 744.5K | 1.59M | 6.19M | 98.14M | 102.51M | 121.21M | 103.36M | 91.28M | 101.02M |
Total Non-Current Assets | 1.36M | 1.81M | 26.27M | 37.19M | 34.27M | 39.38M | 38.13M | 17.19M | 13.04M |
Total Assets | 2.1M▲ 0% | 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% | 114.07M▲ 5.2% |
Asset Growth % | -25.93% | 61.73% | 855.81% | 316.93% | 1.07% | 17.4% | -11.89% | -23.34% | 5.16% |
Return on Assets (ROA) | -330.29% | -378.47% | -138.88% | -8.02% | -10.91% | -11.22% | -10.13% | -31.59% | -16.56% |
Accounts Payable | 544.98K | 774.39K | 1.26M | 7.35K | 10.85K | 17.87K | 10.54K | 13.7K | 10.94K |
Total Debt | 2.4M | 6.27M | 790K | 34.05M | 24.52M | 32.39M | 31.94M | 22.49M | 16.97M |
Net Debt | 2.29M | 5.77M | -3.31M | -27.05M | -38.24M | -30.41M | -16.57M | -41.33M | -58.27M |
Long-Term Debt | 0 | 0 | 52K | 2.54M | 18.86M | 7.88M | 2.51M | 0 | 4.6M |
Short-Term Debt | 800K | 920K | 738K | 31.4M | 5.5M | 24.33M | 29.28M | 22.16M | 12.19M |
Other Liabilities | 560K | 0 | 7.07M | 120.5K | 23.76K | 220.29K | 59.85K | 45.29K | 44K |
Total Current Liabilities | 3.53M | 8.55M | 11.84M | 132.92M | 124.01M | 172.65M | 173.86M | 149.15M | 90.26M |
Total Non-Current Liabilities | 560K | 7.43M | 7.12M | 5.01M | 20.87M | 9.72M | 3.81M | 1.08M | 5.15M |
Total Liabilities | 4.09M | 8.55M | 18.95M | 137.93M | 144.88M | 182.37M | 177.68M | 150.23M | 95.41M |
Total Equity | -1.99M▲ 0% | -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% | 18.65M▲ 144.7% |
Equity Growth % | -215.85% | -159.18% | 361.99% | -119.23% | -211.59% | -169.06% | -66.16% | -15.4% | 144.67% |
Equity / Assets (Capital Ratio) | -94.73% | -151.81% | 41.61% | -1.92% | -5.92% | -13.56% | -25.57% | -38.5% | 16.35% |
Return on Equity (ROE) | - | - | -596.28% | -123.28% | - | - | - | - | -98.82% |
Book Value per Share | -0.08 | -0.21 | 0.39 | -0.05 | -0.17 | -0.30 | -0.49 | -1.09 | 0.30 |
Tangible BV per Share | -0.12 | -0.25 | -0.34 | -0.78 | -0.86 | -0.82 | -0.98 | -1.50 | 0.12 |
Common Stock | 23.9K | 26.79K | 38K | 58.03K | 58.03K | 58.03K | 3.4K | 4.65K | 7.66K |
Additional Paid-in Capital | 0 | 0 | 0 | 22.49M | 29.17M | 29.17M | 29.23M | 65.64M | 143.8M |
Retained Earnings | -18.87M | -29.27M | -50.63M | -45.24M | -60.09M | -76.77M | -92.08M | -131.52M | -149.95M |
Accumulated OCI | 0 | -773.02K | 0 | 48.17K | 52.46K | 61.3K | 88.37K | -108.12K | 479.63K |
Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
CURR Cash Flow Statement
Currenc Group, Inc. (CURR) cash flow — operating, investing & free cash flow history
| Metric | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 |
|---|---|---|---|---|---|---|---|---|---|
Cash from Operations | -3.56M | -4.1M | -8.1M | -9.72M | 12.08M | -10.07M | -15.29M | 3.45M | 7.86M |
Operating CF Growth % | -1.12% | -15.29% | -97.65% | -20% | 224.25% | -183.39% | -51.76% | 122.57% | 127.93% |
Net Income | -8.15M | -10.43M | -21.37M | -30.62M | -12.89M | -25.51M | -14.42M | -39.48M | -18.5M |
Depreciation & Amortization | 164.6K | 149.8K | 579K | 939K | 5.98M | 1.58M | 3.99M | 2.9M | 2.23M |
Deferred Taxes | 634.96K | 918.67K | 3.35M | 366K | -369.73K | 25.51M | 494.74K | 127.66K | -378.35K |
Other Non-Cash Items | 1.57M | 2.04M | 6.88M | 16.6M | -280.81K | -15M | 705.36K | 346.89K | 9.63M |
Working Capital Changes | 543.49K | 766.86K | -1.67M | -427K | 19.63M | 1.72M | -6.06M | 18.68M | 10.92M |
Cash from Investing | -88.92K | -137.79K | 7.57M | -131K | -406.34K | 13.84M | 1.44M | -565.03K | -478.44K |
Purchase of Investments | -5K | 0 | -259K | -250K | -458 | 0 | 0 | 0 | 0 |
Sale/Maturity of Investments | -115.18K | 0 | 209K | 235K | 0 | 0 | 1.7M | 0 | 0 |
Net Investment Activity | -120.18K | 0 | -50K | -15K | -458 | 0 | 1.7M | 0 | 0 |
Acquisitions | 65.7K | 0 | 8.23M | 1.11M | 0 | -53K | 0 | 11.64K | 0 |
Other Investing | -49.48K | 0 | -150K | -535K | 0 | 13.89M | 36.68K | 0 | 596 |
Cash from Financing | 2.65M | 4.63M | 4.13M | 7.48M | -10.12M | -837K | -1.2M | 2.02M | 4.03M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | -1.91M | 0 | 0 | 0 |
Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Stock Issued | 0 | 500K | 2.5M | 0 | 0 | 0 | 0 | 0 | 0 |
Net Stock Activity | 0 | 500K | 2.5M | 0 | 0 | 0 | 0 | 0 | 0 |
Debt Issuance (Net) | 0 | 0 | 0 | 1000K | -1000K | -1000K | -1000K | 1000K | 1000K |
Other Financing | 2.65M | 4.63M | 4.13M | 1.79M | 0 | 4.93M | 0 | 0 | 0 |
Net Change in Cash | -997.89K▲ 0% | 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% | 11.42M▲ 132.9% |
Exchange Rate Effect | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Cash at Beginning | 1.11M | 108.25K | 501K | 4.1M | 70.27M | 16K | 74M | 58.96M | 63.86M |
Cash at End | 108.25K | 500.96K | 4.1M | 1.73M | 71.82M | 2.94M | 58.96M | 63.86M | 75.28M |
Interest Paid | 0 | 0 | 0 | 0 | 0 | 1.35M | 1.82M | 1.07M | 58.14K |
Income Taxes Paid | 0 | 0 | 0 | 0 | 2.13M | 1.2M | 0 | 445.53K | 324.78K |
Free Cash Flow | -3.71M▲ 0% | -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% | 7.38M▲ 157.0% |
FCF Growth % | -0.56% | -14.35% | -102.03% | -21.61% | 212.14% | -186.3% | -54.64% | 118.45% | 157% |
CURR Banking Ratios
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 | 2025 |
|---|---|---|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | -242.13% | - | - | -596.28% | -123.28% | - | - | - | - | -98.82% |
Return on Assets (ROA) | -178.54% | -330.29% | -378.47% | -138.88% | -8.02% | -10.91% | -11.22% | -10.13% | -31.59% | -16.56% |
Net Interest Margin | -4.27% | -75.35% | 0% | -12.49% | -3.44% | -8.44% | -5.11% | -5.66% | -7.85% | -2.73% |
Efficiency Ratio | 4582.76% | 4069.69% | 1346.32% | 1994.7% | 26.63% | 31.06% | 46.19% | 45.07% | 90.38% | 61.76% |
Equity / Assets | 60.56% | -94.73% | -151.81% | 41.61% | -1.92% | -5.92% | -13.56% | -25.57% | -38.5% | 16.35% |
Book Value / Share | 0.07 | -0.08 | -0.21 | 0.39 | -0.05 | -0.17 | -0.3 | -0.49 | -1.09 | 0.3 |
NII Growth | 30.09% | -1206.13% | 100% | - | -14.77% | -148.02% | 28.94% | 2.41% | -6.4% | 63.47% |
Related:CURR Dividend History·CURR Revenue History·CURR Price History·CURR P/E History·CURR Financial Ratios·CURR Institutional Holders
CURR SEC Filings & Documents
Currenc Group, Inc. (CURR) SEC filings — annual & quarterly reports (10-K, 10-Q)
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 18.6% over the past year.
Currenc Group, Inc. (CURR) reported a net loss of $18.4M for fiscal year 2025.
Dividend & Returns
Currenc Group, Inc. (CURR) has a return on equity (ROE) of -98.8%. Negative ROE indicates the company is unprofitable.
Industry Metrics
Currenc Group, Inc. (CURR) has a net interest margin (NIM) of -2.7%. NIM has been under pressure due to interest rate environment.
Currenc Group, Inc. (CURR) has an efficiency ratio of 61.8%. This is reasonable for a bank.