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XTM Inc. Stock

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CA98388T1021

Business Support Services

OTC Markets Traded

Delayed Canadian Securities Exchange Other stock markets 12:17:43 2026-02-13 EST			5-day change	1st Jan Change
0.0100 ^CAD	-.--%		-.--%	-50.00%

04-28	XTM commences court-approved sale & investment solicitation process with stalking horse bid	RE
04-27	Pateno Payments Inc. entered into a stalking horse subscription agreement to acquire Assets and Business Operations of XTM Inc. for estimated CAD 9.5 million.	CI

XTM Inc. operates a fintech business leveraging technology to transform how workers access and manage their pay. Through its AnyDay platform, the Company provides businesses with automated tip pooling, instant payouts, and Earned Wage Access (EWA) solutions that empower employees with financial flexibility and control. Through its AnyDay product, a mobile and enterprise software solution specifically designed to provide earned wages to employees, on demand, via a mobile wallet, accessible via the Internet or by a free mobile app paired with a chip and pin EMV Mastercard debit card, its solution includes free banking features and is used by employees in Canada and the United States. It supports various brands, including Earls, Marriott Hotels, Maple Leaf Sports & Entertainment, Cactus Club, and Live Nation. The Company serves the hospitality, healthcare, casinos and manufacturing industries.

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Market Cap	5.58M 3.96M 3.48M 3.24M 2.98M 379M 5.68M 38.43M 15.04M 188M 14.88M 14.56M 649M	P/E 2023	-1.07x	P/E 2024	-0.7x
Enterprise Value	21.23M 15.07M 13.22M 12.31M 11.32M 1.44B 21.59M 146M 57.18M 714M 56.56M 55.34M 2.47B	EV / Sales 2023	3.36x	EV / Sales 2024	3.57x
Free-Float	75.27%	Yield 2023 *	-	Yield 2024	-

04-28	XTM commences court-approved sale & investment solicitation process with stalking horse bid	RE
04-27	Pateno Payments Inc. entered into a stalking horse subscription agreement to acquire Assets and Business Operations of XTM Inc. for estimated CAD 9.5 million.	CI
02-19	XTM Inc. Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order	CI
01-13	Xtm Inc. Announces Board Changes	CI
12-01	XTM Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended September 30, 2025	CI
25-10-24	Everyday People Financial, XTM to Integrate Canadian Payments Operation	MT
25-10-24	Everyday People Financial Corp. and XTM Inc. Announce Strategic Management Services Agreement to Integrate Canadian Payments Operation	CI
25-08-29	XTM Inc. Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2025	CI
25-05-30	XTM Inc. Reports Earnings Results for the First Quarter Ended March 31, 2025	CI
25-05-07	XTM Inc. Reports Earnings Results for the Full Year Ended December 31, 2024	CI
25-05-06	XTM Inc. Auditor Raises 'Going Concern' Doubt	CI
25-04-29	XTM Sells QRails Processing Technology for US$3 Million	MT
25-04-29	Xtm Signs Definitive Asset Purchase Agreement	RE

05-07	Canadian Investment Regulatory Organization Trading Halt - PAID	AQ
04-28	XTM Commences Court-Approved Sale and Investment Solicitation Process with Stalking Horse Bid	AQ
04-17	XTM Resumes Tip Payout Program and Commences Court-Approved Sale and Investment Solicitation Process	AQ
03-02	XTM Obtains Creditor Protection to Stabilize the Business and Pursue Restructuring Options and Reports on Bank of Canada Order that provides path for Everyday Payments Platform to Resume Operations	AQ
02-19	XTM Reports on Everyday People Payments Service Outage and Halting of Activities Pursuant to Bank of Canada Compliance Order	BU

6 months	-60.00%
Current year	-50.00%

Current year	0		0.04
1 year	0		0.04
3 years	0		0.2
5 years	0		0.56
10 years	0		0.68

XTM Inc. Stock

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PAID

CA98388T1021

Business Support Services

Valuation: XTM Inc.

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Manager	Title	Age	Since
Marilyn Schaffer CEO	Chief Executive Officer	65	2005-11-30
Jakob Ripshtein DFI	Director of Finance/CFO	59	2024-10-02
Avneet Sandhu CMP	Compliance Officer	-	-

Director	Title	Age	Since
Marilyn Schaffer CHM	Chairman	65	2005-11-30
Keith McKenzie BRD	Director/Board Member	-	2022-10-11
Keith Nugara BRD	Director/Board Member	-	2026-01-12

Date	Insider	Type	Main position	Quantity	% Market Cap.
11/3/25	Olga Balanovskaya	Buy	Director	1,000,000	0.4240%
11/3/25	Olga Balanovskaya	Tax	Director	1,000,000	0.4240%
1/23/25	Olga Balanovskaya	Tax	Director	1,500,000	0.7111%

Add to a list 0 selected To use this feature you must be a member Log in Sign up	Change	5-day change	1-year change	3-year change	Capi.($)
XTM INC.	-.--%	-.--%	-77.78%	-93.55%	2.25M
VISA, INC.	+1.58%	+3.74%	+3.85%	+56.58%	683B
PAYPAL HOLDINGS, INC.	+4.11%	+4.72%	-25.23%	-20.94%	49.46B
BLOCK, INC.	+1.98%	+2.80%	+2.56%	+5.45%	48.81B
FISERV, INC.	+2.78%	+6.70%	-61.41%	-56.80%	27.89B
CORPAY, INC.	+1.00%	+5.17%	+15.48%	+55.79%	24.82B
GLOBAL PAYMENTS INC.	+3.59%	+8.84%	+2.87%	-19.97%	22.99B
PAYPAY CORPORATION	-5.49%	-1.50%	-	-	10.85B
ONE97 COMMUNICATIONS LIMITED	+1.43%	-2.94%	+22.49%	+67.78%	8.61B
EDENRED SE	+4.64%	+4.64%	+3.60%	-51.41%	7.07B
Average	+1.66%	-2.45%	-12.62%	-6.34%	88.35B
Weighted average by Cap.	+1.85%	-0.34%	+0.53%	+42.90%

	2023	2024
Net sales	6.78M 4.81M 4.22M 3.93M 3.61M 459M 6.89M 46.62M 18.25M 228M 18.05M 17.66M 787M	9.09M 6.45M 5.66M 5.27M 4.85M 616M 9.25M 62.56M 24.49M 306M 24.22M 23.7M 1.06B
Net income	-16.08M -11.41M -10.02M -9.33M -8.58M -1.09B -16.36M -111M -43.32M -541M -42.85M -41.93M -1.87B	-22.94M -16.28M -14.29M -13.31M -12.24M -1.56B -23.34M -158M -61.79M -771M -61.13M -59.81M -2.67B
Net Debt	3.97M 2.81M 2.47M 2.3M 2.12M 269M 4.03M 27.29M 10.68M 133M 10.57M 10.34M 461M	15.64M 11.1M 9.74M 9.07M 8.35M 1.06B 15.91M 108M 42.14M 526M 41.68M 40.78M 1.82B