Download PDF

1. Company Snapshot

1.a. Company Description

XBP Europe Holdings, Inc.provides bills, payments, and related solutions and services in France, Germany, the United Kingdom, Sweden, and internationally.The company operates through two segments, Bills & Payments and Technology.


The Bills & Payments segment focuses on optimizing how bills and payments are processed by businesses of all sizes and industries.This segment also offers automation of accounts payable and accounts receivables processes and seeks to integrate buyers and suppliers, as well as engages in digital transformation business.The Technology segment engages in the sale of recurring software licenses and related maintenance, and hardware solutions, as well as provision of related maintenance and professional services.


In addition, the company offers XBP platform that provides a secured network allowing billers, consumers, and businesses to communicate and transact; XBP Omnidirect, a cloud-based platform that provides enterprise level client communication management; and Reaktr.ai for cybersecurity, data modernization and cloud management, and generative AI.Further, it provides request to pay solutions; enterprise information management solutions; robotic process automation solutions; digital mailroom and records digitization solutions; business process management and intelligent workflow automation solutions; integrated communications solution; banking and financial industry solutions and services; cross-border payments; digitization of checks; confirmation of payee; and mortgage and loan management solutions.The company is based in Egham, the United Kingdom.


XBP Europe Holdings, Inc.operates as a subsidiary of Exela Technologies, Inc.

Show Full description

1.b. Last Insights on XBP

XBP Europe Holdings, Inc.'s recent performance was driven by several positive factors. The company's full-year 2024 revenue of $142.8 million, although down 8.0% year-over-year, demonstrated resilience in a challenging market. The 110-basis-point increase in gross margin to 26.8% was a notable achievement, as was the operating profit of $3.5 million, a $2.4 million year-over-year improvement. The signing of a non-binding letter of intent to acquire Exela Technologies BPA, LLC, a leading provider of business process automation solutions, has the potential to significantly expand XBP Europe's revenue to approximately $1 billion annually. Additionally, the company's French subsidiary was selected as a supplier on a large-scale framework for sourcing data processing and payments services, estimated to be in excess of €25 million.

1.c. Company Highlights

2. Transcript Summary

Unfortunately this company is not part of our coverage yet. But as part of your subscription plan you can request it by clicking just below and we'll process.

Request Coverage

3. NewsRoom

Card image cap

XBP Global (NASDAQ:XBP) & Joint Stock Company Kaspi.kz (NASDAQ:KSPI) Critical Survey

Dec -04

Source: defenseworld.net

Card image cap

XBP Global to Present at the Sidoti Year End Virtual Investor Conference

Dec -03

Source: globenewswire.com

Card image cap

XBP Expands Public Sector Footprint in Europe with New Strategic Engagement with Region Uppsala

Dec -02

Source: globenewswire.com

Card image cap

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

Nov -25

Source: globenewswire.com

Card image cap

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

Nov -21

Source: globenewswire.com

Card image cap

Head-To-Head Survey: XBP Global (NASDAQ:XBP) vs. Worldline (OTCMKTS:WWLNF)

Nov -02

Source: defenseworld.net

Card image cap

XBP Global (XBP) and Its Competitors Head-To-Head Survey

Oct -30

Source: defenseworld.net

Card image cap

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

Oct -22

Source: globenewswire.com

4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (13.21%)

6. Segments

Bills and Payments

Expected Growth: 12.4%

Growing adoption of digital payment solutions, increasing demand for convenient bill management, and rising need for secure financial transactions drive the growth of the bills and payments market.

Technology

Expected Growth: 15.4%

Growing demand for secure data exchange, increasing adoption of cloud-based platforms, and rising need for efficient financial transactions drive the growth of XBP Europe Holdings, Inc.'s technology.

7. Detailed Products

XBP Fuel Cards

A fuel card designed for businesses to manage their fuel expenses, providing a convenient and efficient way to track and control fuel costs.

XBP Fleet Management

A comprehensive fleet management solution that provides real-time tracking, vehicle monitoring, and analytics to optimize fleet operations.

XBP Toll Solutions

A toll management solution that provides a convenient and efficient way to manage toll payments, reducing administrative burdens and costs.

XBP Telematics

A telematics solution that provides real-time vehicle tracking, driver behavior analysis, and vehicle performance monitoring to improve fleet safety and efficiency.

XBP Fuel Management

A fuel management solution that provides real-time fuel level monitoring, fuel consumption tracking, and fuel theft detection to optimize fuel usage.

8. XBP Europe Holdings, Inc.'s Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for XBP Europe Holdings, Inc. is moderate due to the presence of alternative investment options for investors.

Bargaining Power Of Customers

The bargaining power of customers is low for XBP Europe Holdings, Inc. as investors have limited negotiating power.

Bargaining Power Of Suppliers

The bargaining power of suppliers is moderate for XBP Europe Holdings, Inc. as the company relies on a diverse range of suppliers.

Threat Of New Entrants

The threat of new entrants is high for XBP Europe Holdings, Inc. due to the relatively low barriers to entry in the investment industry.

Intensity Of Rivalry

The intensity of rivalry is high for XBP Europe Holdings, Inc. due to the presence of several established players in the investment industry.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 158.38%
Debt Cost 3.95%
Equity Weight -58.38%
Equity Cost 1.75%
WACC 5.23%
Leverage -271.30%

11. Quality Control: XBP Europe Holdings, Inc. passed 3 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

Stock-Card
F-Secure

A-Score: 4.8/10

Value: 5.5

Growth: 4.2

Quality: 8.1

Yield: 3.1

Momentum: 1.5

Volatility: 6.3

1-Year Total Return ->

View Full Report
Stock-Card
Spirent Communications

A-Score: 4.1/10

Value: 0.8

Growth: 1.7

Quality: 5.1

Yield: 3.1

Momentum: 7.0

Volatility: 7.0

1-Year Total Return ->

View Full Report
Stock-Card
Radware

A-Score: 3.6/10

Value: 1.2

Growth: 3.6

Quality: 6.1

Yield: 0.0

Momentum: 6.5

Volatility: 4.0

1-Year Total Return ->

View Full Report
Stock-Card
Cognyte Software

A-Score: 3.4/10

Value: 3.6

Growth: 4.7

Quality: 4.1

Yield: 0.0

Momentum: 6.5

Volatility: 1.3

1-Year Total Return ->

View Full Report
Stock-Card
XBP Europe Holdings

A-Score: 3.3/10

Value: 8.7

Growth: 1.6

Quality: 4.2

Yield: 0.0

Momentum: 5.5

Volatility: 0.0

1-Year Total Return ->

View Full Report
Stock-Card
HUB Cyber Security

A-Score: 3.3/10

Value: 9.8

Growth: 0.9

Quality: 5.0

Yield: 0.0

Momentum: 4.0

Volatility: 0.0

1-Year Total Return ->

View Full Report

Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

0.66$

Current Price

0.66$

Potential

-0.00%

Expected Cash-Flows