XBP Global Holdings, Inc.
XBP · Price history
Price at last available close
$2.73
−$0.44 (-13.88%) 1M
2026-10-29
Tap or drag sideways to inspect a price. Use two fingers to compare automatically. Release to scroll. Use Shift + arrow keys to compare with a keyboard.
Company & revenue
About XBP Global Holdings, Inc.
Primary reporting period: 2025-12-31 · Research updated Oct 13, 2026. A research update is not a new financial filing.
Who they are
XBP Global Holdings, Inc. is a pan-European firm specializing in comprehensive solutions for bills, payments, and associated services, aiming to facilitate the digital modernization of businesses. The company delivers business process management capabilities through its proprietary software platforms and deep industry insights, acting as a strategic technology and services partner for its clientele. Its operations are structured around two main divisions: Bills and Payments, and Technology.
How they make money
XBP Global Holdings, Inc. provides business process automation and workflow optimization solutions. The company generates revenue by delivering proprietary software suites and services that enable organizations to digitize and manage complex financial operations, including bills and payments, through a hybrid model of AI-driven automation and human-in-the-loop validation.
Products & services
The company offers automation solutions, including the nventr.ai platform, which facilitates digital transformation of financial workflows, document processing, and payment management.
Brands & revenue mix
Proprietary AI-driven platform for workflow optimization.
Separate brand revenue is not available in this research.Source
Revenue share is not unit sales or a best-seller ranking. Parent brands and included sub-brands can overlap; do not add overlapping rows.
Product / operating segments
No reconciled product or operating-segment revenue breakdown is available for the current research period. Company-wide revenue remains separate from segment disclosure.
Geographic revenue
No reconciled geographic revenue breakdown was confirmed for the current research period.
Customer concentration
The company's revenues are highly dependent on the banking and finance industries, which represent a significant portion of its client base.
Suppliers, materials & equipment
No supplier relationships were confirmed in the sources reviewed. This does not mean the company has no suppliers.
Strengths
- Proprietary software suites and deep domain expertise in business process automationSource
Risks
- High dependency on the banking and finance industries for revenueSource
Sources
Financial risk observations and what to check
These are saved observations about business performance, not predictions. Review the company filings alongside the interpretation below. Latest stored financial period end: 2026-06-30.
Diluted weighted-average shares increased 227.6% year over year.
Compare per-share results with total earnings and inspect the equity footnote. A change in weighted-average shares does not by itself establish the cause, the number of shares issued today, or the economic effect of a split.
Total debt increased 956.4% versus the same quarter last year.
Compare the added borrowing with available cash, cash generation and maturities. A percentage increase from a small starting balance can look large without measuring the full debt burden.
Wall Street Score
Overall investment score · Quality, value, risk and opportunity
55
Fair
View category scores →
Company Quality
How good is the actual business—regardless of today’s stock price?
37
Poor
Financial Strength
20
Business Quality / Moat
33
Management
82
Growth Quality
36
Risk / Durability
10
Uses financial strength, moat, management, growth quality and durability. It excludes share price, P/E, market cap, intrinsic value and margin of safety.
Opportunity
Opportunity Score · How does the current price compare with estimated value?
80
Attractive
Based on current valuation, company quality, recent trends, and available market signals.
View score details →
Model Outlook
12-month model · What does the model think happens next?
74/100
Building Historical Record
Model Score 74/100 — estimates relative performance potential, distinct from the overall Wall Street Score and the separate Company Quality score.
Probability unavailable — the model has not produced a calibrated probability yet.
Click for full breakdown →
WSS View
The quick read
The overall Wall Street Score is mixed across its combined quality, valuation and risk inputs. Review the category scores to identify what is helping or hurting the result.
At today’s price, the WSS valuation framework currently reads as relatively attractive.
The model outlook is currently positive.
- •Revenue fundamentals score strongly
- •Asset quality scores strongly
- •Valuation scores attractively
- •Insider activity signal is favorable
- •Elevated debt risk
- •Debt / balance-sheet profile needs attention
Company-specific research
Questions worth answering for XBP
These questions are generated from this company's current financial and score data so the page adds context instead of treating the headline score as a stand-alone conclusion.
- •Can XBP maintain its current revenue growth rate and improve the amount of that revenue that turns into earnings and cash?
- •How long can XBP fund negative free cash flow using its current cash position before it may need more debt or new shares?
- •Is XBP's debt load manageable relative to cash generation, interest costs and upcoming maturities?
- •Is XBP's valuation discount tied to a temporary concern or to a longer-term business risk?
- •What does the current fundamental change risk warning mean for the reliability or interpretation of XBP's score?
Essential Investment Snapshot
Wall Street Score
55
Opportunity Score
80
Market Cap
$34.2M
P/E Ratio
0.0
EPS
$92.38
52-Week High
$8.55
52-Week Low
$2.00
Beta
-0.46
Intrinsic Value
$3556.63
Analyst Target
$5.00
Shares Outstanding
11.8M
Total Revenue
$804.5M
Total Debt
$414.5M
Dividend
No current dividend
Liquidation Value / Share
$3.95
Momentum & Volatility Signals
Two different market-behavior signals. Momentum measures direction and trend strength. Volatility measures how large and unstable the price moves are, regardless of direction.
Strong downward momentum
Normal movement
A high momentum score means price has been trending upward with confirming short- and medium-term strength. A low score means downward or weakening momentum.
A high volatility score means larger, less stable price swings. It can happen while a stock is rising or falling, so high volatility is not automatically bullish or bearish.
Important: the volatility score above is based on realized price volatility. Implied volatility (IV) comes from options prices and represents the market's expected future movement. Wall Street Score will keep IV separate and will only display it when a verified options-chain feed is available.
Notices for XBP
Detected from reported data — verify before acting.Elevated debt risk
Interest coverage is below 2x • Free cash flow is negative • Cash covers less than 20% of total debt
Community Sentiment
0 active · 0 total callsNo personal call yet on XBP.
Potential upside factors
- +Growth opportunities may come from revenue expansion, margin improvement, new products, market-share gains, and stronger cash flow.
- +Proprietary software suites and deep domain expertise in business process automation.
Potential downside factors
- −Debt risk (elevated): Interest coverage is below 2x.
- −Free cash flow is negative.
- −Cash covers less than 20% of total debt.
- −High dependency on the banking and finance industries for revenue.
These research factors come from saved company research and financial data, not community votes. They are starting points to verify against filings, not buy or sell recommendations.
Create a free account to make a call.
Scores
Click any score for full breakdownWas this stock page easy to understand?
One click helps us improve the research experience. This is not tied to an investment decision.
Score Changes
2 historical score records availablePrevious Score
64
Jul 24, 2026
Change
-8.5
points
Current Score
55
Oct 1, 2026
Category Changes
XBP decreased 8.5 points because Moat declined by 33.4 points, Buffett declined by 3.1 points.
Positive Contributors
- + Valuation improved by 15 points
Negative Contributors
- − Moat declined by 33.4 points
- − Buffett declined by 3.1 points
Projected Score
Projected Score
59
Projected Change
+3.6 points
Preliminary comparable-period financial changes suggest improvement of approximately 3.6 points. This is a projected estimate, not the official WallStreetScore.
Price vs. Value
Review model assumptionsThis model estimate is more than three times the share price.
This is a formula-based estimate, not a verified fair value or price target. Check the earnings and growth assumptions.
Stored EPS: $92.38 · Growth assumption: 15.0% · Earnings multiplier: 38.5×.
Current Price
$2.91
Model Intrinsic Value
$3556.63
Difference
−$3553.72
-99.9% vs IV
Margin of Safety
99.9%
Financial Charts
Revenue
Additional Metrics
Operating Cash Flow
Total Debt
Total Assets
Net Margin %
Large reported revenue change: +454.1%
Revenue changed sharply from 2024 to 2025. This can reflect a real business change, acquisition, divestiture, discontinued operations, restatement, or reporting-basis change. Compare the underlying filing before treating it as normal growth or decline.
TTM may combine quarters from before and after the event, so its trend can also be distorted.
Free includes 3 annual periods plus available TTM; Premium includes up to 10 annual periods. History depends on available company filings. Swipe the table horizontally to see older periods. A dash means unavailable, not zero.
| Line Item | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 |
|---|---|---|---|---|---|---|---|---|
| Revenue | $1.10B | $791.0M | $142.8M | $155.2M | ···· | ···· | ···· | ···· |
| Cost of Revenue | $915.8M | $667.9M | $104.5M | $115.3M | ···· | ···· | ···· | ···· |
| Gross Profit | $186.3M | $123.1M | $38.3M | $39.9M | ···· | ···· | ···· | ···· |
| Research & Development | $0.00 | $0.00 | $0.00 | $0.00 | ···· | ···· | ···· | ···· |
| SG&A Expenses | $149.7M | $99.9M | $26.5M | $31.2M | ···· | ···· | ···· | ···· |
| Operating Expenses | $189.7M | $111.0M | $34.8M | $38.8M | ···· | ···· | ···· | ···· |
| EBITDA | $1.30B | $1.29B | $6.4M | $5.9M | ···· | ···· | ···· | ···· |
| Operating Income | -$3.3M | $12.1M | $3.5M | $1.1M | ···· | ···· | ···· | ···· |
| Interest Expense | $123.7M | $99.5M | $6.3M | $7.0M | ···· | ···· | ···· | ···· |
| Income Before Tax | $1.10B | $1.14B | -$3.6M | -$5.0M | ···· | ···· | ···· | ···· |
| Income Tax Expense | $36.4M | $40.9M | $2.9M | $606K | ···· | ···· | ···· | ···· |
| Net Income | $1.07B | $1.10B | -$12.4M | -$11.0M | ···· | ···· | ···· | ···· |
| Basic EPS | $93.32 | $93.87 | $-71.32 | $-4.90 | ···· | ···· | ···· | ···· |
| Basic Shares | 11.76M | 11.76M | 3.02M | 2.25M | ···· | ···· | ···· | ···· |
| Diluted Shares | 11.76M | 11.76M | 3.02M | 2.25M | ···· | ···· | ···· | ···· |
Earnings Summary
Revenue
$191.3M
Estimate unavailable.
Revenue Beat/Miss
Not available (no estimate stored)
EPS
-$1.42
Estimate unavailable.
EPS Beat/Miss
Not available (no estimate stored)
Debt Change
+956.4%
Cash Change
+203.5%
Margin Change
+8.7 pp
Debt and cash show percentage changes versus the comparison period; margin shows the change in percentage points (pp). These are company-wide changes, not per-share amounts.
Financial Changes Since Prior Period
What Improved
- Margins expanded
- Cash position grew
What Weakened
- Debt increased
Potential Score Impact
Positive indicators included revenue growth, cash levels, net income margin. Pressure indicators included EPS growth, debt levels. These factors may support or pressure the Revenue, Management, Financial, and Debt categories; this summary does not claim that the stored scores changed.
Stored Earnings Analysis
Revenue increased 382.9%. EPS declined 26.0%. Cash increased 203.5%. Total debt increased 956.4%. Net income margin improved by 8.7 percentage points.
Earnings-Call Transcript
Earnings-call transcript analysis is not currently available.
These results may influence future scores when the next evaluation is completed.
Insider Activity
Guru / Smart Money
Guru Score
Smart Money
Number of Gurus
Total Guru Value
Avg Portfolio Weight
Largest Holder
Largest Holder %
New Positions
Increased Positions
Reduced Positions
Exited Positions
Net Guru Sentiment
Short Interest
Dividend History
Dividend data is not available yet. Missing data does not mean this company pays no dividend.
Conservative Projected Values
3 Years
$———.——
5 Years
$———.——
10 Years
$———.——
Conservative Projection Rate
——%
Conservative Projected Values — price projections derived from actual 10-year adjusted historical returns, conservatively adjusted and capped at 8% annually. These are distinct from the Outperformance Model Score and WallStreetScore.
Conservative Projected Values
Premium unlocks the 3-year, 5-year, and 10-year conservative projected values with full calculation breakdowns based on actual historical returns.
Start 7-Day Free TrialHistorical Outperformance Record
Premium includes stored forecasts and any available evaluated results. Completed results, win rates and calibrated probabilities are shown only when supported records exist; access does not create historical outcomes.
Start 7-Day Free TrialHistorical Trends
2 historical records2 historical score records available.
Historical Score Chart
2 of 2 records shownWall Street Score
Debt Score
Revenue Score
Asset Score
Capital Score
Management Score
Moat Score
Valuation Score
Buffett Score
Intrinsic Value
Value Reference
Margin of Safety %
Related Companies
Software - InfrastructureNews
XBP Global (NASDAQ:XBP) CEO Purchases $89,145.00 in Stock
XBP Europe Named to UK Government's G-Cloud 15 Framework
XBP décroche un contrat avec British Airways pour déployer « Plexus® AI »
XBP Secures Contract with British Airways to Deploy ‘Plexus® AI'
Rumor Mill · XBP
Corporate developments & opportunities
No reviewed developments match this filter.
Evidence credibility is not a forecast of stock performance. Rumor Mill is separate from the WSS score.
Related Stock Research
Continue researching this company with related Wall Street Score rankings and investing guides.
Score Alerts
Premium unlocks alerts when a score rises, falls, or reaches your target price.
Start 7-Day Free TrialPortfolio Score
Premium unlocks portfolio scoring, strongest and weakest holdings, and overall margin of safety.
Start 7-Day Free Trial