CURR NASDAQ
Credit Risk of going bust: higher than 84% of companies Debt: 5.7% of company value Bonds: none of note held by US funds details ▾
Total debt $17.0M against a stock market value of $278.5M.
Distance to default 2.21 (Merton model): prices to 2026-10-27, balance sheet 2025-12-31, debt counted $14.5M (short-term plus half of long-term), stock volatility 115.8%; Altman Z'' -4.63. A ranking and a back-test, not a forecast.
US fund filings (SEC N-PORT) show under $25M of this company's bonds, so there is no bond page. Its debt may be bank loans or privately placed. How these are computed.
Edge Score
Quantitative competitive moat analysis scoring five pillars of durable advantage — cost leadership, brand intangibles, switching costs, network effects, and efficient scale — using industry percentile rankings on a 0–100 scale.
Analyst Insights
Wall Street analyst consensus based on price targets and buy/sell/hold recommendations from institutional research coverage over the trailing 12 months.
Price Target Change History
| Date | Firm | Analyst | Old | New | Change | Upside @ Call | Stock@Call |
|---|---|---|---|---|---|---|---|
| 2025-03-05 | UBS | — | Initiated | $4 | — | +62.8% | $2.15 |
Financial Rating
Composite financial health rating (A+ to F) based on discounted cash flow valuation, return on equity, return on assets, debt-to-equity leverage, and relative P/E and P/B multiples.
Rating Change History
| Date | From | To |
|---|---|---|
| 2026-05-04 | C- | C+ |
| 2026-01-13 | C+ | C- |
InsiderStreet Scorecard
Proprietary multi-factor scorecard rating companies across seven fundamental dimensions — profitability, balance sheet strength, earnings quality, growth, value, momentum, and safety — each scored 0–100.
Risk & Quality Signals
Academic financial models used by institutional investors to assess bankruptcy risk, earnings manipulation, financial strength, and credit quality.
Valuation
Key valuation multiples comparing the stock's market price to its earnings, revenue, book value, and cash flows. Lower multiples may indicate relative undervaluation versus peers.
DuPont Decomposition (5-Factor)
The 5-factor DuPont framework breaks Return on Equity into its component drivers — tax efficiency, interest burden, operating profitability, asset utilization, and financial leverage — to reveal what truly drives shareholder returns.
Graham-Dodd Adjusted Valuation
Our adaptation of Graham's growth formula (Fair P/E = 8.5 + 2g) from The Intelligent Investor. The classic version relies on analyst growth projections, which can be unreliable. This adjusted model substitutes the company's realized 3-year EPS CAGR — a backward-looking, verifiable measure of actual earnings power — grounding the valuation in demonstrated performance rather than forecasts.
Two adjustments we make, and why. Growth is capped at 15%. Graham defined g as expected growth over the next seven to ten years, not last year's rate. Across US companies since 1994 the median realized 7-year EPS growth is 5–8% regardless of how fast a company grew beforehand, and of 4,457 company-quarters that grew faster than 200%, none sustained it. Uncapped, the formula assigned fair multiples in the hundreds to companies that had never held that rate — and scored worse than simply reading the P/E. Capped, it carries real information. The verdict has three states, not two. Tested over 377,249 stock-months, this ratio only separates outcomes at its extremes: below 0.25 beat the universe by 1.3 points a year, above 3.0 lagged by 2.7, and everything in between sat inside a one-point band. Rather than call two-thirds of the market "undervalued" on a threshold of 1.0, we say Neutral where the model cannot tell — which is most of the time.
Profitability Trends
Historical profitability ratios tracking how efficiently the company converts revenue into returns for shareholders over time.
Leverage & Solvency Trends
Debt and liquidity metrics showing the company's financial leverage and ability to meet short-term and long-term obligations.
Efficiency & Working Capital Trends
Operating efficiency metrics measuring how quickly the company converts inventory to sales, collects receivables, and manages its cash conversion cycle.
Growth Trends (YoY %)
Year-over-year growth rates for key financial metrics, showing the trajectory of revenue, earnings, and cash flow generation.
Earnings Stability
R-squared of linear regression measuring how predictably revenue, earnings, and margins follow a trend over the trailing 5 years. 1.0 = perfectly predictable; lower values indicate erratic or cyclical behavior.
Monte Carlo Price Simulation
Geometric Brownian Motion with 1,000 antithetic paths over 1 year, seeded from 540 days of historical volatility. Percentile bands show the range of statistically plausible outcomes — this is a statistical model, not a forecast.
Executive Compensation
C-suite compensation breakdown including salary, stock awards, options, and incentive pay. The CEO-to-employee pay ratio and Gini coefficient measure pay distribution fairness.
C-Suite Compensation
| Executive | Salary | Stock | Total |
|---|---|---|---|
Michael Redard, Financial ancial Officer |
$106,893 | $— | $1,032,182 |
Robert Davidson , Chief Executive Officer |
$196,667 | $— | $932,696 |
Jessica Rousset , Chief Operating Officer |
$180,000 | $— | $180,000 |
Mark Udell, Accounting unting Officer, Treasurer and Secretary |
$134,413 | $— | $134,413 |
CEO Pay Ratio
C-Suite Pay Equality (Gini)
CEO Compensation Mix
Workforce & Productivity
Workforce efficiency metrics measuring revenue, profit, and R&D spend per employee — key indicators of operational leverage and human capital productivity.
Scaling Efficiency
All Ratios & Metrics
Complete fundamental data with up to 20 periods of history, sparkline trends, and current values across 13 categories and 130+ financial metrics.
Profitability
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| ROE | 10.6% | 49.4% | 54.5% | 73.6% | 1.5% | 51.4% | 51.44% | |
| ROA | -4.3% | -30.1% | -33.7% | -44.4% | -33.8% | -16.6% | -16.56% | |
| ROIC | 17.1% | 18.1% | 20.5% | 27.0% | 27.6% | 9.3% | 9.31% | |
| ROCE | 5.0% | 67.5% | 71.7% | 1.1% | -1.2% | -64.0% | -64.04% | |
| Gross Margin | 27.8% | 29.4% | 31.8% | 37.2% | 50.8% | 42.7% | 42.74% | |
| Operating Margin | -1.4% | -78.4% | -43.0% | -49.9% | 45.8% | -46.5% | -46.55% | |
| Net Margin | -44.1% | -2.5% | -46.5% | -53.4% | 28.0% | -1.4% | -1.39% | |
| EBITDA Margin | -4.5% | -2.4% | -27.7% | -39.1% | 35.2% | -1.2% | -1.21% | |
| FCF Margin | -83.7% | 23.0% | 10.7% | 2.9% | 5.3% | 19.5% | 19.53% | |
| OCF Margin | -85.4% | 24.7% | 12.4% | 4.5% | 6.8% | 20.8% | 20.80% | |
| ROIC Economic | snapshot only | -59.43% | ||||||
| Cash ROA | snapshot only | 6.89% | ||||||
| NOPAT Margin | snapshot only | -16.58% | ||||||
| Pretax Margin | snapshot only | -48.54% | ||||||
| R&D / Revenue | snapshot only | 0.00% | ||||||
| SGA / Revenue | snapshot only | 61.76% | ||||||
| SBC / Revenue | snapshot only | 13.47% | ||||||
Valuation
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| P/E Ratio | -19.23 | -2.57 | -1.43 | -0.90 | -2.78 | -7.44 | -12.188 | |
| P/S Ratio | 8.47 | 3.75 | 1.65 | 0.92 | 2.36 | 3.63 | 10.274 | |
| P/B Ratio | -2.03 | -1.27 | -0.78 | -0.67 | 331.05 | -24.19 | -34.330 | |
| P/FCF | -10.13 | 16.34 | 15.42 | 31.96 | 44.31 | 18.57 | 18.569 | |
| P/OCF | — | 15.22 | 13.30 | 20.34 | 34.90 | 17.44 | 17.438 | |
| EV/EBITDA | -136.96 | -1.59 | -0.36 | 0.07 | -2.03 | -5.80 | -5.801 | |
| EV/Revenue | 6.12 | 1.90 | 0.33 | -0.06 | 1.45 | 2.00 | 1.996 | |
| EV/EBIT | -63.80 | -1.54 | -0.34 | 0.07 | -1.91 | -4.95 | -4.951 | |
| EV/FCF | -7.31 | 8.27 | 3.06 | -2.06 | 27.31 | 10.22 | 10.220 | |
| Earnings Yield | -5.2% | -39.0% | -69.8% | -1.1% | -35.9% | -13.4% | -13.44% | |
| FCF Yield | -9.9% | 6.1% | 6.5% | 3.1% | 2.3% | 5.4% | 5.39% | |
| EV/OCF | snapshot only | 9.597 | ||||||
| EV/Gross Profit | snapshot only | 4.896 | ||||||
| Shareholder Yield | snapshot only | 0.00% | ||||||
Leverage & Solvency
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.60 | 0.61 | 0.61 | 0.62 | 1.15 | 1.12 | 1.119 | |
| Quick Ratio | 0.80 | 0.61 | 0.61 | 0.62 | 1.15 | 1.11 | 1.113 | |
| Debt/Equity | -0.48 | -0.34 | -0.33 | -0.37 | 50.15 | -2.99 | -2.995 | |
| Net Debt/Equity | — | — | — | — | -127.00 | — | — | |
| Debt/Assets | 0.20 | 0.21 | 0.20 | 0.22 | 0.17 | 0.15 | 0.149 | |
| Debt/EBITDA | -44.82 | -0.84 | -0.77 | -0.64 | -0.50 | -1.30 | -1.305 | |
| Net Debt/EBITDA | 52.72 | 1.55 | 1.45 | 1.23 | 1.26 | 4.74 | 4.739 | |
| Interest Coverage | -0.28 | -5.86 | -5.33 | -5.18 | -10.70 | -4.75 | -4.749 | |
| Equity Multiplier | -2.45 | -1.64 | -1.62 | -1.66 | 303.27 | -20.12 | -20.124 | |
| Cash Ratio | snapshot only | 0.871 | ||||||
| Debt Service Coverage | snapshot only | -4.054 | ||||||
| Cash to Debt | snapshot only | 4.633 | ||||||
| FCF to Debt | snapshot only | 0.435 | ||||||
| Defensive Interval | snapshot only | 1533.6 days | ||||||
Efficiency & Turnover
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| Asset Turnover | 0.10 | 0.21 | 0.29 | 0.43 | 0.40 | 0.34 | 0.340 | |
| Inventory Turnover | — | 27.11 | — | — | — | 37.65 | 37.649 | |
| Receivables Turnover | 4.26 | 10.55 | 15.39 | 24.08 | 19.35 | 22.49 | 22.494 | |
| Payables Turnover | 3.31 | 1163.22 | 0.44 | 0.77 | 1.20 | 1817.63 | 1817.635 | |
| DSO | 86 | 35 | 24 | 15 | 19 | 16 | 16.2 days | |
| DIO | -1211 | 13 | 0 | 0 | -195 | 10 | 9.7 days | |
| DPO | 110 | 0 | 823 | 476 | 305 | 0 | 0.2 days | |
| Cash Conversion Cycle | -1236 | 48 | -800 | -461 | -481 | 26 | 25.7 days | |
| Fixed Asset Turnover | snapshot only | 30.560 | ||||||
| Operating Cycle | snapshot only | 25.9 days | ||||||
| Cash Velocity | snapshot only | 0.481 | ||||||
| Capital Intensity | snapshot only | 3.017 | ||||||
Growth (YoY)
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| Revenue | — | — | — | — | 2.6% | 69.4% | 69.38% | |
| Net Income | — | — | — | — | -5.9% | 43.5% | 43.51% | |
| EPS | — | — | — | — | -3.6% | 65.7% | 65.69% | |
| FCF | — | — | — | — | 1.2% | 44.1% | 44.07% | |
| EBITDA | — | — | — | — | -56.2% | 51.3% | 51.31% | |
| Op. Income | — | — | — | — | 21.0% | 67.7% | 67.75% | |
| OCF Growth | snapshot only | 42.89% | ||||||
| Asset Growth | snapshot only | 5.16% | ||||||
| Debt Growth | snapshot only | -24.51% | ||||||
| Shares Change | snapshot only | 64.66% | ||||||
Growth Quality
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| Revenue Stability | — | — | — | — | — | — | — | |
| Earnings Stability | — | — | — | — | — | — | — | |
| Margin Stability | — | — | — | — | — | — | — | |
| Rev. Growth Consistency | 0.00 | 0.00 | 0.00 | 0.00 | 0.50 | 0.50 | 0.500 | |
| Earn. Growth Consistency | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.50 | 0.500 | |
| FCF Positive Streak | 0 | 0 | 0 | 0 | 0 | 1 | 0 | |
| Earnings Persistence | — | — | — | — | — | — | — | |
| Earnings Smoothness | — | — | — | — | — | — | — | |
| ROE Trend | — | — | — | — | — | — | — | |
| Gross Margin Trend | — | — | — | — | — | — | — | |
| FCF Margin Trend | — | — | — | — | — | — | — | |
| Sustainable Growth Rate | — | — | — | — | — | — | — | |
| Internal Growth Rate | — | — | — | — | — | — | — |
Cash Flow Quality
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| OCF/Net Income | 1.94 | -0.17 | -0.11 | -0.04 | -0.08 | -0.43 | -0.427 | |
| FCF/OCF | 0.98 | 0.93 | 0.86 | 0.64 | 0.79 | 0.94 | 0.939 | |
| FCF/Net Income | snapshot only | -0.401 | ||||||
| CapEx/Revenue | 1.8% | 1.7% | 1.7% | 1.7% | 1.4% | 1.3% | 1.27% | |
| CapEx/Depreciation | snapshot only | 0.214 | ||||||
| Accruals Ratio | 0.04 | -0.35 | -0.37 | -0.46 | -0.36 | -0.24 | -0.236 | |
| Sloan Accruals | snapshot only | 0.597 | ||||||
| Cash Flow Adequacy | snapshot only | 16.416 | ||||||
Dividends & Buybacks
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.00% | |
| Dividend/Share | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | $0.00 | |
| Payout Ratio | — | — | — | — | — | — | — | |
| FCF Payout Ratio | — | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.00% | |
| Total Payout Ratio | — | — | — | — | — | — | — | |
| Div. Increase Streak | — | — | — | — | — | — | — | |
| Chowder Number | — | — | — | — | — | — | — | |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.00% | |
| Net Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.00% | |
| Total Shareholder Return | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.00% |
DuPont Factors
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| Tax Burden (NI/EBT) | 1.01 | 1.01 | 1.02 | 1.01 | 1.02 | 1.00 | 1.004 | |
| Interest Burden (EBT/EBIT) | 4.57 | 1.17 | 1.19 | 1.19 | 1.09 | 1.20 | 1.204 | |
| EBIT Margin | -0.10 | -1.23 | -0.95 | -0.85 | -0.76 | -0.40 | -0.403 | |
| Asset Turnover | 0.10 | 0.21 | 0.29 | 0.43 | 0.40 | 0.34 | 0.340 | |
| Equity Multiplier | -2.45 | -1.64 | -1.62 | -1.66 | -4.32 | -3.11 | -3.106 |
Per Share
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| EPS (Diluted TTM) | $-0.13 | $-0.70 | $-1.05 | $-0.90 | $-0.60 | $-0.24 | $-0.24 | |
| Book Value/Share | $-1.23 | $-1.42 | $-1.93 | $-1.22 | $0.01 | $-0.07 | $0.24 | |
| Tangible Book/Share | $-2.04 | $-1.75 | $-2.36 | $-1.54 | $-0.25 | $-0.23 | $-0.23 | |
| Revenue/Share | $0.30 | $0.48 | $0.92 | $0.88 | $0.71 | $0.49 | $0.36 | |
| FCF/Share | $-0.25 | $0.11 | $0.10 | $0.03 | $0.04 | $0.10 | $0.12 | |
| OCF/Share | $-0.25 | $0.12 | $0.11 | $0.04 | $0.05 | $0.10 | $0.12 | |
| Cash/Share | $1.29 | $1.37 | $1.85 | $1.32 | $0.90 | $1.03 | $1.03 | |
| EBITDA/Share | $-0.01 | $-0.57 | $-0.83 | $-0.71 | $-0.51 | $-0.17 | $-0.17 | |
| Debt/Share | $0.59 | $0.48 | $0.64 | $0.45 | $0.25 | $0.22 | $0.22 | |
| Net Debt/Share | $-0.69 | $-0.89 | $-1.21 | $-0.87 | $-0.64 | $-0.80 | $-0.80 |
Per Employee
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| Employee Count | snapshot only | 293 | ||||||
| Revenue/Employee | snapshot only | $129055.70 | ||||||
| Income/Employee | snapshot only | $-62904.89 | ||||||
| EBITDA/Employee | snapshot only | $-44406.31 | ||||||
| FCF/Employee | snapshot only | $25204.64 | ||||||
| Assets/Employee | snapshot only | $389300.89 | ||||||
| Market Cap/Employee | snapshot only | $468035.78 | ||||||
Academic Models
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| Altman Z-Score | — | — | — | — | — | — | -0.974 | |
| Altman Z-Prime | snapshot only | -3.056 | ||||||
| Piotroski F-Score | 1 | 3 | 3 | 3 | 6 | 7 | 7 | |
| Beneish M-Score | — | — | — | — | -5.48 | -3.78 | -3.784 | |
| Ohlson O-Score | snapshot only | -3.522 | ||||||
| Net-Net WC | snapshot only | $0.07 | ||||||
Credit
| Metric | Trend | Q3'24 | Q4'24 | Q1'25 | Q2'25 | Q3'25 | Q4'25 | Current |
|---|---|---|---|---|---|---|---|---|
| Credit Rating | snapshot only | B- | ||||||
| Credit Score | 16.50 | 20.00 | 19.07 | 16.91 | 20.09 | 20.00 | 20.000 | |
| Credit Grade | snapshot only | 16 | ||||||
| Credit Trend | snapshot only | 0.000 | ||||||
| Implied Spread (bps) | snapshot only | 900.000 | ||||||
| Industry Credit Rank | snapshot only | 19 | ||||||
| Sector Credit Rank | snapshot only | 14 | ||||||