Currenc (CURR) Stock Price, Financials & Analysis

Key Stats

Market Cap111.27 Mn

P/E-6.07

FCF (Yr)7.38 Mn

ROA (Yr)-16.92

EV to EBIT17.64

Net Income (Yr)-18.50 Mn

Enterprise Value-140.01 Mn

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About

Currenc Group Inc. is an investment holding company headquartered in Singapore. The company provides cross border remittance and airtime services through its subsidiaries. It focuses on serving customers in Southeast Asia and globally. Currenc Group Inc. generates revenue primarily from transaction fees and foreign exchange spreads on remittance transfers. It also earns commissions from airtime top up sales and fees from value added services such as utility bill payments…

Currenc Group Inc. generates revenue primarily from transaction fees and foreign exchange spreads on remittance transfers. It also earns commissions from airtime top up sales and fees from value added services such as utility bill payments and digital wallet top ups.

The company operates through the following segments: Tranglo and WalletKu.

Tranglo provides cross border remittance services for banks money service operators and e wallets and offers wholesale and retail airtime transfer services through a unified API platform and a network of over five thousand bank partners and five hundred mobile operators across one hundred fifty countries.
WalletKu operates a retail airtime and digital services platform in Indonesia that enables users to purchase airtime top up pay utility bills conduct money transfers and access e money services through a network of approximately one hundred twenty eight thousand registered partners.

Currenc Group Inc. holds a leading position in the Southeast Asian remittance and airtime markets. It competes with global players such as Western Union MoneyGram Thunes NIUM and EMQ. The company’s advantages include in house processing capabilities a broad licensing footprint across several jurisdictions and strategic partnerships with Ripple that provide on demand liquidity reducing pre funding needs.

The company serves financial institutions payment gateways e commerce firms travel agencies and freelancers through Tranglo and serves retail consumers in Indonesia through WalletKu. Specific partners include WISE SingTel Remitly SBI Japan Mastercard CelcomDigi WeChat Pay HK Maxis Etisalat and Ding. WalletKu works closely with Indosat Ooredoo Hutchison and maintains relationships with approximately one hundred twenty eight thousand active users.

How Currenc ranks

Ranked against the 1,003 companies in the Financial Services sector industry group too small to rank within58 metrics · as of Nov 6, 2026

Valuation

12 metrics · Lower multiples rank higher; a negative multiple ranks last

P/ENegative earnings −6.24xMedian 13.3x 10^th
P/FCF 17.5xMedian 10.4x 47^th
P/Operating cash flow 18.1xMedian 9.57x 41^st
P/S 3.77xMedian 3.25x 38^th
P/B 7.64xMedian 1.24x 6^th
P/Tangible book 8.48xMedian 1.27x 7^th
EV/EBITDANegative EBITDA −12.8xMedian 6.03x 6^th
EV/EBITNegative EBIT −9.55xMedian 6.47x 7^th
EV/Revenue 2.00xMedian 3.77x 74^th
EV/FCF 9.28xMedian 11.6x 74^th
EV/Operating cash flow 9.63xMedian 10.9x 69^th
PEG (3Y EPS CAGR)Negative earnings 0.08Median 0.89 Not meaningful —

Growth

14 metrics · Year-on-year growth and three-year compound annual growth

Revenue growth (1Y) −18.6%Median 10.2% 7^th
Revenue CAGR (3Y) —Median 7.5% No data —
Gross profit growth (1Y) 5.7%Median 12.6% 33^rd
Gross profit CAGR (3Y) —Median 11.9% No data —
Operating income growth (1Y) 70.1%Median 11.0% 81^st
Operating income CAGR (3Y) −25.2%Median 14.4% 14^th
Net income growth (1Y) 52.3%Median 17.3% 75^th
Net income CAGR (3Y) −155%Median 9.0% 2^nd
EPS growth (1Y) 67.9%Median 19.0% 78^th
EPS CAGR (3Y) −75.1%Median 8.5% 4^th
Operating cash flow growth (1Y) 128%Median 19.2% 85^th
Operating cash flow CAGR (3Y) 131%Median 8.4% 98^th
Free cash flow growth (1Y) 124%Median 20.2% 83^rd
Free cash flow CAGR (3Y) 134%Median 8.5% 98^th

Profitability

14 metrics · Margins, returns on capital and the quality of earnings

Gross margin 40.8%Median 58.3% 23^rd
EBITDA margin −15.6%Median 54.7% 7^th
Operating margin −21.0%Median 14.7% 20^th
Pretax margin −48.5%Median 26.8% 7^th
Net margin −48.5%Median 21.2% 8^th
FCF margin 21.6%Median 27.3% 41^st
Operating cash flow margin 20.8%Median 30.0% 36^th
Return on equity −85.4%Median 10.7% 4^th
Return on assets −18.4%Median 1.2% 6^th
Return on invested capital −22.9%Median 14.2% 3^rd
Return on capital employed −77.8%Median −0.5% 5^th
Asset turnover 0.38xMedian 0.05x 86^th
Cash conversion (OCF / net income)Net income is not positive −0.43xMedian 1.17x Not meaningful —
Stock comp / revenue 10.5%Median 1.6% 9^th

Financial Health

11 metrics · Leverage, liquidity and solvency; less debt ranks higher

Debt / assets 10.5%Median 6.4% 37^th
Debt / equity 0.64xMedian 0.40x 35^th
Net debt / EBITDAEBITDA is not positive 11.3xMedian 0.47x Not meaningful —
Debt / FCF 1.46xMedian 2.42x 63^rd
Liabilities / assets 83.6%Median 87.8% 61^st
Equity / assets 16.4%Median 12.2% 61^st
Interest coverage −2.55xMedian 1.84x 8^th
Current ratio 1.12xMedian 1.13x 49^th
Quick ratio 0.89xMedian 0.56x 58^th
Cash ratio 0.87xMedian 0.30x 64^th
Altman Z-score −0.73Median 1.60 20^th

S.No.	Ticker	Company	Market Cap	P/E	P/S	Total Debt (Qtr)
1	V	Visa Inc.	756.55 Bn	32.19	16.48	22.07 Bn
2	MA	Mastercard Inc	575.10 Bn	33.91	15.85	23.94 Bn
3	WSE	Wise Group plc	11.41 Bn	-	-	-
4	RELY	Remitly Global, Inc.	4.92 Bn	13.52	2.59	0.00 Bn
5	WU	Western Union CO	2.14 Bn	6.40	0.53	2.89 Bn
6	IMXI	International Money Express, Inc.	0.22 Bn	11.62	0.39	0.11 Bn
7	CURR	Currenc Group Inc.	0.11 Bn	-6.07	2.94	0.01 Bn
8	SNTG	Sentage Holdings Inc.	0.00 Bn	-1.95	64.32	-

S.No.

Ticker

Company

Market Cap

P/E

P/S

Total Debt (Qtr)

Visa Inc.

756.55 Bn

32.19

16.48

22.07 Bn

Mastercard Inc

575.10 Bn

33.91

15.85

23.94 Bn

WSE

Wise Group plc

11.41 Bn

RELY

Remitly Global, Inc.

4.92 Bn

13.52

2.59

0.00 Bn

Western Union CO

2.14 Bn

6.40

0.53

2.89 Bn

IMXI

International Money Express, Inc.

0.22 Bn

11.62

0.39

0.11 Bn

CURR

Currenc Group Inc.

0.11 Bn

-6.07

2.94

0.01 Bn

SNTG

Sentage Holdings Inc.

0.00 Bn

-1.95

64.32

Currenc CURR

About

Segments Breakdown of Revenue (2025)

Geographical Breakdown of Revenue (2025)

How Currenc ranks

Valuation

Growth

Profitability

Financial Health

Shareholder Returns

Peer Comparison

Currenc CURR

About

Segments Breakdown of Revenue (2025)

Geographical Breakdown of Revenue (2025)

How Currenc ranks

Valuation

Growth

Profitability

Financial Health

Shareholder Returns

Peer Comparison

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