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Xtm(OTC) XTMIF

Market Cap$300.00Market cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.
Since IPO (2021)-100%
5 Year-100%
1 Year-100%
1 Month+0%
$0.00
+0.00%
+0.00Today
Xtm last closing stock price
MetricPriceDate
Last closeUSD 0.002026-07-27
Xtm stock price return by period
PeriodPrice returnPrice at period startPeriod start date
1 week-99.93%USD 0.002026-07-13
1 month+0%USD 0.002026-06-23
3 month-99.98%USD 0.002026-02-13
Year to date-99.99%USD 0.012025-12-31
1 year-100%USD 0.032025-07-25
3 year-100%USD 0.112023-07-28
5 year-100%USD 0.302021-07-28
Since inception-100%USD 0.142021-01-27

Xtm Financials at a Glance

Market Cap

$300.00Market cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Revenue (TTM)

CA$10.08M

Net Income (TTM)

-CA$20.65M

EPS (TTM)

-$0.06

P/E Ratio

0.00

Dividend

$0.00

Beta (Volatility)

147.85 (High)

Price

$0.00

Volume

55,209

Open

$0.00

Previous Close

$0.00

Daily Range

$0.00 - $0.00

52-Week Range

$0.00 - $0.04

Estimated Earnings Date

May 28, 2026

XTMIF News

No articles available.

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About Xtm

XTM Inc. is a financial technology company focused on providing rapid access to earned wages and tips for employees in the hospitality and personal care sectors. The flagship product, "Today Solution," offers a comprehensive platform that integrates a mobile application with a branded debit card for seamless payouts.

Products and Services
  • Today Solution platform for instant wage access
  • Mobile application for employees and employers
  • Branded Visa or Mastercard debit card for payouts
Growth Outlook
  • Revenue increased to CAD 2,424,340 in Q3 2025
  • Gross profit margin improved to 6.78% in Q3 2025
  • Strong demand in hospitality sector supports future growth
Financial Highlights
  • Net income of CAD -5,026,814 in Q3 2025
  • Operating expenses reached CAD 4,009,490 in Q3 2025
  • Cash and short-term investments totaled CAD 30,692 as of Q3 2025
XTM Inc. operates in a niche market, providing essential financial services to employees in industries that often rely on tips and variable income. The company's innovative approach to wage access is designed to enhance employee satisfaction and retention, making it an attractive solution for businesses in the hospitality and personal care sectors. Recent financial data indicates a steady increase in revenue, reflecting the growing adoption of the Today Solution platform. Despite challenges in net income, the improvement in gross profit margin suggests operational efficiencies are being realized. The company’s focus on technology-driven solutions positions it well for future growth, particularly as demand for flexible wage access continues to rise.
AI Generated • Jul 6, 2026

Industry

Diversified Financial Services

CEO

Marilyn Schaffer

Headquarters

Toronto, ON M6K 3E3, CA

XTMIF Financials

Key Financial Metrics (TTM)

Gross Margin

-17.42%

Operating Margin

-134.50%

Net Income Margin

-161.88%

Return on Equity

33.23%

Return on Capital

N/A

Return on Assets

-21.35%

Earnings Yield

N/A

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$300.00Market cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

Shares Outstanding

279.23M

Volume

55.21K

Avg. Volume

2.51K

Financials (TTM)

Gross Profit

CA$589.90K

Operating Income

-CA$16.12M

EBITDA

-CA$17.77M

Operating Cash Flow

-CA$1.44M

Capital Expenditure

-CA$4.76K

Free Cash Flow

-CA$1.45M

Cash & ST Invst.

CA$30.69K

Total Debt

CA$11.19M

Xtm Performance Analysis

Xtm annual revenue and year-over-year revenue growth by fiscal year
Fiscal yearPeriod endRevenueYoY growth
20212021-12-31CAD 1,799,483N/A
20222022-12-31CAD 3,636,144102.1%
20232023-12-31CAD 5,019,73138.1%
20242024-12-31CAD 6,636,28732.2%
Xtm sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-12-3112.4%
Q12025-03-310.8%
Q22025-06-30-19.2%
Q32025-09-309.7%
Xtm annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal yearPeriod endDiluted EPSYoY growth
20212021-12-31CAD -0.03N/A
20222022-12-31CAD -0.036.8%
20232023-12-31CAD -0.0689.9%
20242024-12-31CAD -0.0825.5%
Xtm sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarterPeriod endQoQ growth
Q42024-12-31-93.9%
Q12025-03-3160.7%
Q22025-06-301.3%
Q32025-09-30-43.0%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name
Q3 2025YOY CHG

Revenue

CA$2.42M

+0.4%

Gross Profit

CA$164.44K

+1.9%

Gross Margin

6.78%

N/A

Market Cap

$300.00Market cap calculated using publicly traded shares outstanding only. Does not include unlisted, private, or dual-class non-traded shares. Implied market cap may vary.

N/A

Market Cap/Employee

$20.00

N/A

Employees

15

N/A

Net Income

-CA$5.03M

-20.7%

EBITDA

-CA$4.38M

-36.4%

Quarterly Fundamentals

Name
Q3 2025YOY CHG

Total Cash

CA$30.69K

+17.9%

Total Debt

CA$11.19M

-20.0%

Accounts Receivable

CA$1.54M

-68.5%

Inventory

CA$43.61K

-89.4%

Long Term Debt

CA$1.11M

-88.9%

Short Term Debt

CA$10.08M

+153.7%

Return on Assets

-21.35%

N/A

Return on Invested Capital

25.47%

N/A

Free Cash Flow

-CA$3.78M

-1902.8%

Operating Cash Flow

-CA$3.78M

-1889.0%

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Questions About XTMIF

What is the current price of Xtm?

Xtm is trading at $0.00 per share.

What is the 52-week range for Xtm?

Over the past 52 weeks, Xtm has traded between $0.00 and $0.04.

How much debt does Xtm have?

As of the most recent reporting period, Xtm reported total debt of CA$8.04M.

How much cash does Xtm have on hand?

Xtm reported CA$38.02M in cash and cash equivalents in its most recent financial results.

What is Xtm’s dividend yield?

Xtm does not currently have a dividend yield.

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