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Currenc Group Inc.

CURR

$1.87 ▲ +0.12 (+6.86%) at close

5 Visible periods

29 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Weak

Moderately Bearish

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Analytical Summary

Currenc Group Inc. faces fundamental challenges with weakness in Profit Margin (%) and Operating Margin (%). On the positive side, Debt to Equity remains strong. Investors should exercise caution and monitor for improvement in key metrics.

Market Cap $115.0M

Dividend Yield —

Revenue Growth -18.6% ↘

Op. Margin -21.0% ↗

ROIC 177.1% ↗

FCF / Share $0.12 ↗

Trailing P/E —

Price / Book —

FCF Yield 6.4%

Debt / Equity -1.53

info Valuation on last close. End-of-day price, Nov 5, 2026.

5-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$37.81M

↓ -18.6% —

Net Income Profit after all expenses

$-18.43M

↑ +53.3% —

Operating Margin Operating profit as % of sales

-21.0%

↑ +64.4% 10th

FCF / Share Free cash flow per share

$0.12

↑ +59.5% —

Long-Term Debt Long-term obligations

$1.15M

↓ -68.8% —

trending_up

Bullish Indicators

Debt to EquityDebt to Equity is in the top quartile (lower is better)

warning

Bearish Risks

Operating Margin (%)Operating Margin (%) is in the bottom quartile
Profit Margin (%)Profit Margin (%) is in the bottom quartile

Health Breakdown

Profitability ↓

Financial Health ↓

Cash Quality

Financial view

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📈 Is growth accelerating? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Revenue Growth YoY (%)	-18.6% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-471%)	-12.8% Weak Weak Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-356%)	—	—	—
EPS Growth YoY (%)	70.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-128.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—	—
Net Income Growth YoY (%)	53.3% Excellent ↑ Excellent Improving Year-over-year change in net income	-157.9% Weak Weak Year-over-year change in net income	-1276.5% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	59.5% Excellent Excellent Year-over-year change in free cash flow	N/M	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Operating Margin (%) (%)	-21.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-275%)	-59.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-591%)	-12.5% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-204%)	—	—
Effective Tax Rate (%) (%)	-0.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.5% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-3.8% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—
Profit Margin (%) (%)	-48.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-709%)	-85.0% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-1163%)	-28.7% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-459%)	—	—
FCF Margin (%) (%)	19.5% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	6.2% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	-29.3% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—
FCF / Net Income (x)	-0.40x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.07x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.02x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	0.68x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Return on Invested Capital (%)	177.1% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	44.6% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	11.4% Good Good Return earned on debt + equity capital invested Optimal: > 10%	37.6% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	-7.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-26.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-4.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	-1.9% Weak Weak Operating profit relative to total assets Optimal: > 10%	—
Return on Common Equity (%) (%)	—	59.8% Excellent ↑ Excellent Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+299%)	24.4% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+63%)	13.1% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-13%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Debt to Equity (x)	-1.53x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-319%)	-0.17x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-124%)	-0.20x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-128%)	—	—
Interest Coverage (x)	-136.50x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-25.50x Weak Weak Operating income divided by interest expense Optimal: > 5x	-3.65x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—
Net Debt (USD)	$-66.54M	$-52.57M	$-36.01M	$-271.47K	$-1.03M
Debt / EBITDA (x)	-1.17x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-0.42x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-2.07x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Revenue per Share (USD)	$0.62	$1.22	$1.57	—	—
Basic EPS, GAAP (USD)	$-0.30	$-1.03	$-0.45	—	—
Free Cash Flow per Share (USD)	$0.12	$0.08	$-0.46	—	—
Book Value per Share (USD)	$-0.07	$-1.42	$-1.85	—	—
Tangible Book Value per Share (USD)	$-0.23	$-1.75	$-2.79	—	—
Basic Weighted Avg Shares (shares)	61.47M	38.16M	33.98M	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Working Capital (USD)	$10.76M	$-57.87M	$-70.50M	$-2.49M	$1.56M
LT Debt (USD)	$1.15M	$3.68M	$2.51M	—	—
Total Equity (USD)	$-5.67M	$-65.99M	$-62.76M	$-8.49M	$-4.44M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 20-F ↗	FY 2024 Dec 31, 2024 20-F ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗
Sales/Revenue/Turnover (USD)	$37.81M	$46.44M	$53.26M	—	—
Depreciation Expense (USD)	$495.70K	$525.29K	$607.14K	—	—
Net Income, GAAP (USD)	$-18.43M	$-39.48M	$-15.31M	$-1.11M	—
Operating Cash Flow (USD)	$7.86M	$3.45M	$-15.29M	$-756.72K	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 4 days ago 5 years · 18 quarters

Currenc Group Inc.

Analytical Summary

5-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

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