Currenc Group, Inc.
Currenc Group, Inc. Fundamental Analysis
Currenc Group, Inc. (CURR) shows moderate financial fundamentals with a PE ratio of -3.30, profit margin of -84.72%, and ROE of 71.35%. The company generates $0.1B in annual revenue with weak year-over-year growth of -12.81%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of -50.5/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CURR's fundamental strength across five key dimensions:
Efficiency Score
WeakCURR struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCURR trades at attractive valuation levels.
Growth Score
WeakCURR faces weak or negative growth trends.
Financial Health Score
ModerateCURR shows balanced financial health with some risks.
Profitability Score
ModerateCURR maintains healthy but balanced margins.
Key Financial Metrics
Is CURR Expensive or Cheap?
P/E Ratio
CURR trades at -3.30 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CURR's PEG of -0.20 indicates potential undervaluation.
Price to Book
The market values Currenc Group, Inc. at 392.14 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at -6.57 times EBITDA. This is generally considered low.
How Well Does CURR Make Money?
Net Profit Margin
For every $100 in sales, Currenc Group, Inc. keeps $-84.72 as profit after all expenses.
Operating Margin
Core operations generate -31.28 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $71.35 in profit for every $100 of shareholder equity.
ROA
Currenc Group, Inc. generates $-39.24 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Currenc Group, Inc. generates limited operating cash flow of $3.69M, signaling weaker underlying cash strength.
Free Cash Flow
Currenc Group, Inc. produces free cash flow of $2.90M, offering steady but limited capital for shareholder returns and expansion.
FCF Per Share
Each share generates $0.04 in free cash annually.
FCF Yield
CURR converts 1.39% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
-3.30
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.20
vs 25 benchmark
P/B Ratio
Price to book value ratio
392.14
vs 25 benchmark
P/S Ratio
Price to sales ratio
3.79
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
50.15
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.15
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.71
vs 25 benchmark
ROA
Return on assets percentage
-0.39
vs 25 benchmark
ROCE
Return on capital employed
-0.50
vs 25 benchmark
How CURR Stacks Against Its Sector Peers
| Metric | CURR Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | -3.30 | 18.86 | Better (Cheaper) |
| ROE | 71.35% | 847.00% | Weak |
| Net Margin | -84.72% | 4202.00% | Weak |
| Debt/Equity | 50.15 | 0.91 | Weak (High Leverage) |
| Current Ratio | 1.15 | 667.17 | Neutral |
| ROA | -39.24% | -21543.00% (disorted) | Weak |
CURR outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Currenc Group, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
6645.95%
Industry Style: Value, Dividend, Cyclical
High GrowthEPS CAGR
-43.49%
Industry Style: Value, Dividend, Cyclical
DecliningFCF CAGR
138.54%
Industry Style: Value, Dividend, Cyclical
High Growth