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XBP

XBP Global Holdings, Inc.

XBP

XBP Global Holdings, Inc. • NASDAQ
$0.70 ▲ 3.53% (+0.02)
Market Cap $67.05 M
52w High $2.56
52w Low $0.41
Dividend Yield 0%
P/E -2.41
Volume 70.17K
Outstanding Shares 95.77M

Income Statement

Period Revenue Operating Expense Net Income Net Profit Margin Earnings Per Share EBITDA
Q3-2025 $209.085M ▲ $340.01M ▲ $-344.399M ▼ -164.717% ▼ $-9.59 ▼ $-281.083M ▼
Q2-2025 $39.615M ▲ $13.431M ▲ $-6.889M ▼ -17.39% ▼ $-0.19 ▼ $-267K ▲
Q1-2025 $37.673M ▲ $13.142M ▲ $-4.35M ▼ -11.547% ▼ $-0.13 ▼ $-690K ▼
Q4-2024 $35.785M ▲ $9.087M ▲ $-2.666M ▲ -7.45% ▲ $-0.088 ▼ $1.805M ▼
Q3-2024 $35.4M $9.043M $-2.769M -7.822% $-0.041 $3.22M

Balance Statement

Period Cash & Short-term Total Assets Total Liabilities Total Equity
Q3-2025 $34.534M ▲ $947.932M ▲ $817.429M ▲ $130.503M ▲
Q2-2025 $6.121M ▼ $105.183M ▲ $133.462M ▲ $-28.279M ▼
Q1-2025 $9.681M ▼ $98.977M ▲ $119.365M ▲ $-20.388M ▲
Q4-2024 $12.099M ▲ $88.045M ▼ $109.391M ▼ $-21.346M ▼
Q3-2024 $7.77M $99.647M $120.408M $-20.761M

Cash Flow Statement

Period Net Income Cash From Operations Cash From Investing Cash From Financing Net Change Free Cash Flow
Q3-2025 $1.174B ▲ $-149.626M ▼ $-3.82M ▼ $163.171M ▲ $58.118M ▲ $-155.792M ▼
Q2-2025 $-6.889M ▼ $-3.079M ▼ $-1.045M ▲ $79K ▲ $-3.521M ▼ $-4.124M ▼
Q1-2025 $-4.35M ▼ $-929K ▼ $-1.091M ▼ $-450K ▲ $-2.38M ▼ $-1.897M ▼
Q4-2024 $-2.666M ▲ $5.927M ▲ $-269K ▲ $-1.787M ▼ $4.146M ▲ $5.658M ▲
Q3-2024 $-2.769M $-5.614M $-715K $-1.385M $-7.602M $-6.329M

Five-Year Company Overview

Income Statement

Income Statement Revenue has been slowly edging down over the past few years, and gross profit has stayed almost flat, suggesting the company has not yet found a strong growth engine or meaningful operating leverage. Operating results hover around break-even, but after all costs the business still posts net losses and negative earnings per share. Profitability is not yet proven or stable, and results bounce around rather than showing a clear upward trend.

Balance Sheet

Balance Sheet The balance sheet is thin and fragile. Total assets are modest, cash levels are low, and debt makes up a noticeable share of the capital structure. Shareholders’ equity is negative, which reflects accumulated losses and a leveraged profile. This leaves the company with limited cushion for setbacks and heightens the importance of tight financial and risk management, even if recent restructuring is intended to improve this picture over time.

Cash Flow

Cash Flow Cash generation is weak and inconsistent. Operating cash flow tends to hover around break-even, occasionally tipping slightly positive or slightly negative, and free cash flow tells a similar story. Capital spending is low, which fits an asset‑light software and services model, but the company has not yet converted its revenue base into reliable, surplus cash. That makes it more dependent on external capital and disciplined cost control while it tries to scale.

Competitive Edge

Competitive Edge XBP operates in business process automation and AI‑enabled workflow solutions, serving a large roster of blue‑chip clients, including many very large corporations. Its global footprint and long experience in regulated industries (like banking, healthcare, and government) give it credibility and switching costs for customers. At the same time, it competes in a crowded, fast‑moving field against established BPO providers and big technology firms. The recent acquisition significantly enlarges its scale and client base, but also introduces integration and execution risk that will heavily influence its true competitive standing over the next few years.

Innovation and R&D

Innovation and R&D The company’s strategy leans heavily on innovation around “agentic AI” and intelligent document processing, embedding AI into complex workflows with human oversight. Its suite of specialized platforms for payments, communications, records, and fraud prevention shows a focus on applied, customer‑centric innovation rather than pure research. The roadmap toward hyper‑automation is ambitious and could deepen the moat if delivered well. However, the modest financial resources visible in the statements suggest that R&D and product rollout must be tightly prioritized and commercially effective, with limited room for missteps or long payback periods.

Summary

Overall, XBP is a small, financially constrained company pursuing a large and attractive opportunity in AI‑driven business process automation. Its strengths lie in established enterprise relationships, a global operations base, and differentiated AI‑enabled solutions. Against that, it faces ongoing net losses, a negative equity position, thin cash buffers, and a competitive landscape filled with much larger players. The recent transformational acquisition raises both the potential for improved scale and efficiency, and the risk that integration or execution challenges could strain an already delicate financial position. The key question going forward is whether the company can translate its innovation and client base into durable growth and consistent profitability before balance sheet and cash‑flow constraints become limiting.

NEWS

November 25, 2025 · 1:28 PM UTC

11th Annual Palisades Turkey Trot Powered by XBP Global Returns Thanksgiving Morning with New 5K and 10K Course

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November 21, 2025 · 10:39 AM UTC

XBP Europe Secures Public Sector Digital Transformation Contract with the Saarland State Administration Office

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October 22, 2025 · 7:58 AM UTC

XBP Global Signs Multi-Year Contract with Large Insurance Carrier for Re-Mail Processing Service

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October 20, 2025 · 8:16 AM UTC

XBP Global Partners with the New York City Department of Finance for Enhanced Parking Violation Payment Processing

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