XBP Europe Holdings Inc is a pan-European integrator of bills, payments, and related solutions and services seeking to enable digital transformation. It provides business process management solutions with proprietary software suites and deep domain expertise, serving as a technology and operations partner for its clients' strategic journeys and streamlining their complex, disconnected payment processes. It has two segments Bills and Payments focusing on optimizing how bills and payments are processed by businesses of all sizes and industries and Technology focuses on sales of recurring and perpetual software licenses and related maintenance, hardware solutions, and related maintenance and professional services. It generates the majority of its revenue from the Bills and Payments segment.

Financial Strength

3/10

Name	Current	Vs Industry
Cash-To-Debt	0.38
Equity-to-Asset	-0.17
Debt-to-Equity	-2.22
Debt-to-EBITDA	-18.39
Piotroski F-Score	N/A/9	0 1 2 3 4 5 6 7 8 9
Altman Z-Score	0.92	Distress Grey Safe
Beneish M-Score	-3.17	Manipulator Not Manipulator
WACC vs ROIC		WACC ROIC

Growth Rank

	Name	Current	Vs Industry		Vs History
	3-Year Revenue Growth Rate	0.8
	3-Year EPS without NRI Growth Rate	18
	3-Year Book Growth Rate	13.2

Momentum Rank

	Name	Current	Vs Industry		Vs History
	5-Day RSI	21.94
	9-Day RSI	33.06
	14-Day RSI	38.08
	6-1 Month Momentum %	-50.47

Liquidity Ratio

	Name	Current	Vs Industry		Vs History
	Current Ratio	0.72
	Quick Ratio	0.66
	Cash Ratio	0.19
	Days Inventory	13.48
	Days Sales Outstanding	51.65
	Days Payable	44.52

Dividend & Buy Back

	Name	Current	Vs Industry		Vs History
	Shareholder Yield %	17.62

Profitability Rank

2/10

	Name	Current	Vs Industry		Vs History
	Gross Margin %	21.83
	Operating Margin %	-3.51
	Net Margin %	-9.45
	FCF Margin %	-4.22
	ROA %	-13.8
	ROIC %	-7.33
	3-Year ROIIC %	-49.93
	ROC (Joel Greenblatt) %	-29.6
	ROCE %	-30.35

GF Value Rank

	Name	Current	Vs Industry		Vs History
	PS Ratio	0.18
	EV-to-EBIT	-8.54
	EV-to-EBITDA	-23.5
	EV-to-Revenue	0.33
	EV-to-FCF	-7.93
	Earnings Yield (Greenblatt) %	-11.71
	FCF Yield %	-23.5

GF Value

XBP

Warning Signs

Warning! GuruFocus detected 1 Severe warning sign with XBP. Try a 7-Day Free Trial to check it out.

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