XBP Global Holdings, Inc. (XBP) 10-Year Financial Performance & Capital Metrics

XBP • • Industrial / General

TechnologyInfrastructure SoftwarePayment Processing & Digital CommerceFinancial Infrastructure & Billing

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 $143M -8.0%
EBITDA $7M +44.7%
Net Income -$12M -11.9%
EPS (Diluted) -0.41 +16.3%
Gross Margin 26.8% +4.3%
EBITDA Margin 5.03% +57.2%
Operating Margin 2.43% +237.8%
Net Margin -8.66% -21.7%
ROE -
ROIC 80.48% +278.2%
Debt/Equity -
Interest Coverage 0.55 +244.5%

Technical Analysis

Key Insights

Based on financial data analysis

✓Strengths

✓Momentum leader: RS Rating 99 (top 1%)
✓Trading near 52-week high
✓Efficient asset utilization: 1.6x turnover

✗Weaknesses

✗Weak Piotroski F-Score: 3/9
✗Negative free cash flow
✗Low quality earnings: Net income not backed by cash flow
✗Shares diluted 33.9% in last year

Price & Volume

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Growth Metrics

Revenue CAGR

10Y-

5Y-

3Y-11.5%

TTM122.76%

Profit (Net Income) CAGR

10Y-

5Y-

3Y-

TTM-2746.62%

EPS CAGR

10Y-

5Y-

3Y-

TTM-2605.93%

ROCE

10Y Avg-5.73%

5Y Avg-5.73%

3Y Avg4.73%

Latest17.38%

Peer Comparison

Financial Infrastructure & Billing

Name	Market Cap	Current Price	P/E Ratio	Revenue Growth 1Y	Net Margin	ROE	FCF Yield	Debt/Equity
MQMarqeta, Inc.	1.8B	4.41	83.84	-25.02%	-6.74%	-4.72%	3.1%	0.01
PAYSPaySign, Inc.	259.8M	4.72	68.80	23.5%	10.1%	16.53%	5.18%	0.10
CSGSCSG Systems International, Inc.	2.27B	79.48	26.23	2.39%	6.85%	28.79%	5%	2.03
CPAYCorpay, Inc.	23.14B	330.77	23.68	5.77%	24.37%	25.52%	7.63%	2.54
PAYOPayoneer Global Inc.	1.92B	5.40	17.42	17.64%	6.96%	9.64%	6.05%	0.03
IMXIInternational Money Express, Inc.	460.64M	15.50	8.66	-0.01%	6.26%	26.14%	5.01%	1.35
ATCHAtlasClear Holdings, Inc.	38.17M	0.26	-0.69	171.31%	-44.2%	-79.32%	4.12%
LSAKLesaka Technologies, Inc.	392.68M	4.67	-4.10	16.92%	-11.78%	-32.78%		0.90

Profit & Loss

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Sales/Revenue+	217.54M	205.95M	180.49M	155.18M	142.77M
Revenue Growth %	-	-0.05%	-0.12%	-0.14%	-0.08%
Cost of Goods Sold+	175.5M	165.02M	136.79M	115.31M	104.51M
COGS % of Revenue	0.81%	0.8%	0.76%	0.74%	0.73%
Gross Profit+	42.05M	40.93M	43.7M	39.87M	38.26M
Gross Margin %	0.19%	0.2%	0.24%	0.26%	0.27%
Gross Profit Growth %	-	-0.03%	0.07%	-0.09%	-0.04%
Operating Expenses+	61.12M	44.74M	45.66M	38.75M	34.79M
OpEx % of Revenue	0.28%	0.22%	0.25%	0.25%	0.24%
Selling, General & Admin	44.18M	30.6M	32.15M	31.17M	26.52M
SG&A % of Revenue	0.2%	0.15%	0.18%	0.2%	0.19%
Research & Development	0	0	0	0	0
R&D % of Revenue	-	-	-	-	-
Other Operating Expenses	16.93M	14.14M	13.5M	7.58M	8.26M
Operating Income+	-19.07M	-3.81M	-1.95M	1.12M	3.47M
Operating Margin %	-0.09%	-0.02%	-0.01%	0.01%	0.02%
Operating Income Growth %	-	0.8%	0.49%	1.57%	2.11%
EBITDA+	-12.74M	1.36M	2.44M	4.97M	7.19M
EBITDA Margin %	-0.06%	0.01%	0.01%	0.03%	0.05%
EBITDA Growth %	-	1.11%	0.8%	1.03%	0.45%
D&A (Non-Cash Add-back)	6.33M	5.17M	4.39M	3.85M	3.71M
EBIT	-21.03M	-6.97M	-2.31M	2.04M	2.7M
Net Interest Income+	-2.63M	17.67K	-3.04M	-7.01M	-6.32M
Interest Income	217K	17.67K	25K	0	0
Interest Expense	2.84M	0	3.06M	7.01M	6.32M
Other Income/Expense	-4.8M	-6M	-3.42M	-6.08M	-7.09M
Pretax Income+	-23.88M	-9.81M	-5.37M	-4.96M	-3.62M
Pretax Margin %	-0.11%	-0.05%	-0.03%	-0.03%	-0.03%
Income Tax+	4.5M	2.92M	2.56M	606K	2.91M
Effective Tax Rate %	1.19%	1.3%	1.48%	2.23%	3.41%
Net Income+	-28.38M	-12.73M	-7.93M	-11.05M	-12.37M
Net Margin %	-0.13%	-0.06%	-0.04%	-0.07%	-0.09%
Net Income Growth %	-	0.55%	0.38%	-0.39%	-0.12%
Net Income (Continuing)	-28.38M	-12.73M	-7.93M	-5.57M	-6.53M
Discontinued Operations	0	0	0	-5.48M	-5.83M
Minority Interest	0	0	0	0	0
EPS (Diluted)+	-0.94	-0.42	-0.26	-0.49	-0.41
EPS Growth %	-	0.55%	0.38%	-0.88%	0.16%
EPS (Basic)	-0.94	-0.42	-0.26	-0.49	-0.41
Diluted Shares Outstanding	30.17M	30.17M	30.17M	22.54M	30.17M
Basic Shares Outstanding	30.17M	30.17M	30.17M	22.54M	30.17M
Dividend Payout Ratio	-	-	-	-	-

Balance Sheet

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Total Current Assets+	84.2M	66.21M	70.01M	49.87M	41.34M
Cash & Short-Term Investments	9.25M	2.91M	7.47M	6.54M	12.1M
Cash Only	9.25M	2.91M	7.47M	6.54M	12.1M
Short-Term Investments	0	0	0	0	0
Accounts Receivable	62.6M	53.12M	52.74M	31.84M	21.07M
Days Sales Outstanding	105.02	94.13	106.65	74.89	53.87
Inventory	5.37M	4.09M	4.53M	4.04M	3.82M
Days Inventory Outstanding	11.17	9.05	12.08	12.8	13.35
Other Current Assets	0	0	478K	2.5M	1.38M
Total Non-Current Assets+	77.5M	60.79M	52.83M	52.87M	46.71M
Property, Plant & Equipment	32.44M	23.4M	20.47M	18.02M	16.08M
Fixed Asset Turnover	6.71x	8.80x	8.82x	8.61x	8.88x
Goodwill	25.76M	23.95M	22.06M	22.82M	21.67M
Intangible Assets	3.22M	2.29M	1.53M	1.5M	1.12M
Long-Term Investments	0	0	0	0	0
Other Non-Current Assets	3.13M	1.6M	1.71M	3.72M	817K
Total Assets+	161.7M	127M	122.84M	102.74M	88.05M
Asset Turnover	1.35x	1.62x	1.47x	1.51x	1.62x
Asset Growth %	-	-0.21%	-0.03%	-0.16%	-0.14%
Total Current Liabilities+	104.73M	102.42M	101.89M	82.07M	68.77M
Accounts Payable	13.39M	14.1M	16.86M	13.28M	12.55M
Days Payables Outstanding	27.84	31.18	45	42.04	43.84
Short-Term Debt	9.25M	18.6M	4.97M	3.86M	4.96M
Deferred Revenue (Current)	1000K	1000K	1000K	1000K	1000K
Other Current Liabilities	24.27M	18.2M	13.78M	23.78M	10.97M
Current Ratio	0.80x	0.65x	0.69x	0.61x	0.60x
Quick Ratio	0.75x	0.61x	0.64x	0.56x	0.55x
Cash Conversion Cycle	88.36	72	73.73	45.65	23.39
Total Non-Current Liabilities+	76.21M	51.11M	47.88M	33.24M	40.63M
Long-Term Debt	27.49M	14.38M	25.61M	14.3M	25.42M
Capital Lease Obligations	12.58M	7.68M	4.62M	3.81M	3.27M
Deferred Tax Liabilities	0	0	1.06M	0	0
Other Non-Current Liabilities	36.14M	29.04M	17.65M	15.12M	11.94M
Total Liabilities	180.94M	153.53M	149.77M	115.31M	109.39M
Total Debt+	56.16M	45.86M	37.75M	23.63M	35.39M
Net Debt	46.91M	42.95M	30.28M	17.09M	23.29M
Debt / Equity	-	-	-	-	-
Debt / EBITDA	-	33.80x	15.44x	4.76x	4.92x
Net Debt / EBITDA	-	31.65x	12.38x	3.44x	3.24x
Interest Coverage	-6.71x	-	-0.64x	0.16x	0.55x
Total Equity+	-19.25M	-26.53M	-26.93M	-12.57M	-21.35M
Equity Growth %	-	-0.38%	-0.02%	0.53%	-0.7%
Book Value per Share	-0.64	-0.88	-0.89	-0.56	-0.71
Total Shareholders' Equity	-19.25M	-26.53M	-26.93M	-12.57M	-21.35M
Common Stock	575	0	0	30K	30K
Retained Earnings	-1.42K	0	0	-11.34M	-23.7M
Treasury Stock	0	0	0	0	0
Accumulated OCI	-34.06M	-28.61M	-21.09M	-1.26M	718K
Minority Interest	0	0	0	0	0

Cash Flow

	Dec 2020	Dec 2021	Dec 2022	Dec 2023	Dec 2024
Cash from Operations+	5.4M	-3.04M	9.89M	-1.53M	-5.23M
Operating CF Margin %	0.02%	-0.01%	0.05%	-0.01%	-0.04%
Operating CF Growth %	-	-1.56%	4.26%	-1.16%	-2.41%
Net Income	-28.38M	-12.73M	-7.93M	-11.05M	-12.37M
Depreciation & Amortization	6.33M	4.9M	4.39M	3.85M	3.71M
Stock-Based Compensation	0	0	0	0	1.61M
Deferred Taxes	2.16M	3M	1.67M	-422K	-247K
Other Non-Cash Items	2.26M	2.07M	1.81M	-870K	2.7M
Working Capital Changes	23.03M	-284K	9.94M	6.95M	-644K
Change in Receivables	3.94M	3.71M	-3.37M	5.99M	9.57M
Change in Inventory	237K	939K	-688K	-58K	240K
Change in Payables	-620K	1.57M	3.83M	-2.42M	-365K
Cash from Investing+	-2.19M	1.15M	-6.37M	-2.67M	-1.71M
Capital Expenditures	-2.19M	-1.92M	-6.37M	-2.33M	-1.26M
CapEx % of Revenue	0.01%	0.01%	0.04%	0.02%	0.01%
Acquisitions	-	-	-	-	-
Investments	-	-	-	-	-
Other Investing	0	3.07M	-674.27M	-339K	-447K
Cash from Financing+	6.23M	-4.62M	-1.33M	-305K	12.45M
Debt Issued (Net)	-	-	-	-	-
Equity Issued (Net)	-	-	-	-	-
Dividends Paid	0	0	0	0	0
Share Repurchases	-	-	-	-	-
Other Financing	0	0	1K	5.21M	-1.53M
Net Change in Cash	-	-	-	-	-
Free Cash Flow+	3.21M	-4.95M	3.52M	-3.87M	-6.49M
FCF Margin %	0.01%	-0.02%	0.02%	-0.02%	-0.05%
FCF Growth %	-	-2.54%	1.71%	-2.1%	-0.68%
FCF per Share	0.11	-0.16	0.12	-0.17	-0.22
FCF Conversion (FCF/Net Income)	-0.19x	0.24x	-1.25x	0.14x	0.42x
Interest Paid	2.91M	2.91M	3.03M	1.8M	0
Taxes Paid	710K	0	1.29M	1.06M	567K

Key Ratios

Metric	2020	2021	2022	2023	2024
Return on Invested Capital (ROIC)	-51.7%	-12.96%	-14.8%	21.28%	80.48%
Gross Margin	19.33%	19.87%	24.21%	25.69%	26.8%
Net Margin	-13.04%	-6.18%	-4.39%	-7.12%	-8.66%
Interest Coverage	-6.71x	-	-0.64x	0.16x	0.55x
FCF Conversion	-0.19x	0.24x	-1.25x	0.14x	0.42x
Revenue Growth	-	-5.33%	-12.36%	-14.03%	-7.99%

Frequently Asked Questions

Growth & Financials

XBP Global Holdings, Inc. (XBP) reported $322.2M in revenue for fiscal year 2024. This represents a 48% increase from $217.5M in 2020.

XBP Global Holdings, Inc. (XBP) saw revenue decline by 8.0% over the past year.

XBP Global Holdings, Inc. (XBP) reported a net loss of $358.3M for fiscal year 2024.

Dividend & Returns

XBP Global Holdings, Inc. (XBP) had negative free cash flow of $156.2M in fiscal year 2024, likely due to heavy capital investments.

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