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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1310
Positioning
Market Dominance
Services
Business Services
$33M
Andrej Jonovic
XBP Europe Holdings, Inc. provides bills, payments, and related solutions and services in France, Germany, the United Kingdom, Sweden, and internationally. It offers XBP platform that provides secure messaging services; request to pay solutions; enterprise information management 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 New York, New York. XBP Europe Holdings, Inc operates as a subsidiary of Exela Technologies, Inc.
Headcount
3
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = XBP ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$YALA Yalla Group Ltd | 75 | 89 | 99 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GRVY GRAVITY Co., Ltd. | 75 | 82 | 96 | 71 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$ISSC INNOVATIVE SOLUTIONS & SUPPORT INC | 73 | 81 | 88 | 94 | 25.0x | 14.1x | 17.1% | 10.3% | 35.5% | 14.6% | 10.1% | 105.2% | 0.0% | 41.0x | $244M | VS | |
$AER AerCap Holdings N.V. | 72 | 60 | 87 | 84 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$HCSG HEALTHCARE SERVICES GROUP INC | 72 | 74 | 88 | 88 | 7.1x | 6.1x | 28.9% | 20.8% | 20.8% | 9.9% | 9.3% | 8.5% | 0.0% | 1.0x | $1.2B | VS | |
$LQDT LIQUIDITY SERVICES INC | 72 | 90 | 88 | 68 | 24.9x | 14.3x | 14.1% | 8.3% | 45.7% | 8.5% | 6.2% | 28.1% | 0.0% | 0.0x | $736M | VS | |
$TRTNpA Triton International Ltd | 71 | 70 | 89 | 70 | - | 1.7x | 0.0% | - | 97.4% | 58.0% | 37.4% | - | 8.8% | 264.0x | $2.5B | VS | |
$EDU New Oriental Education & Technology Group Inc. | 71 | 83 | 52 | 77 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NTES NetEase, Inc. | 71 | 88 | 93 | 68 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UTI UNIVERSAL TECHNICAL INSTITUTE INC | 70 | 86 | 86 | 72 | 43.2x | 16.0x | 15.3% | 5.8% | 100.0% | 6.9% | 5.2% | 15.1% | 0.0% | 24.0x | $1.8B | VS | |
$XBP XBP Europe Holdings, Inc. | 55 | 34 | 24 | 99 | 0.1x | - | 878.2% | 120.9% | 80.5% | -37.1% | 84.0% | 3053.6% | 0.0% | 292.0x | $33M | ||
| SECTOR BENCH | - | - | - | - | - | 23.7x | 11.7x | 5.7% | 2.4% | 64.6% | 4.5% | 2.8% | 8.6% | 0.0% | 0.3x | - | REF |
XBP Europe Holdings, Inc. (XBP) receives a "Hold" rating with a composite score of 54.7/100. It ranks #1310 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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HQ Base
Pending Verification
Outperforming peers — winners tend to keep winning over 3-12 months
Expensive relative to fundamentals — limited margin of safety
Weak fundamentals — higher risk of value trap
Average volatility — neutral timing signal
Moderate investment profile
Mid-range overall rating
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Relative valuation derived from Services sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for XBP.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 34 | 22 | +12ALPHA |
| MOMENTUM | 99 | 100 | -1NEUTRAL |
| VALUATION | 24 | 15 | +9ALPHA |
| INVESTMENT | 41 | 70 | -29DRAG |
| STABILITY | 37 | 31 | +6ALPHA |
| SHORT INT | 86 | 95 | -9DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 878.2% (sector 5.7%)
GM 80% vs sector 65%, OM -37% vs sector 5%
Capital turnover N/A
Rev growth 3054%, 4yr history
Interest coverage N/A
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate XBP Europe Holdings, Inc. (XBP) as a Hold with a composite score of 54.7/100 at a current price of $7.14. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
XBP Europe Holdings, Inc. holds a top-quartile position (#0 of 50) within the Services sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 54.7/100 places it at rank #1310 in our full universe.
The near-term outlook is constructive, with revenue growing at 3054% and momentum in the 99th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
High
Standard
Fair Value
Gross margins of 80% signal strong pricing power.
Returns on equity of 878.2% exceed cost of capital.
Positive momentum indicates institutional accumulation.
Leverage of 292% D/E amplifies downside risk.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
XBP Europe Holdings, Inc. represents a hold based on multi-factor quantitative performance.
Our model assigns XBP Europe Holdings, Inc. a Hold rating, with a composite score of 54.7/100 and 3 out of 5 stars. Ranked #1310 of 7,333 stocks, XBP presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
XBP's quality score of 34/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of 878.2% (sector avg: 5.7%), gross margins of 80.5% (sector avg: 64.6%), net margins of 84.0% (sector avg: 2.8%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
XBP registers a value score of just 24/100, suggesting the stock trades at a significant premium to its fundamental metrics. Key valuation metrics include a P/E ratio of 0.07x, a P/B ratio of 0.66x. High-premium valuations like this require strong future execution to avoid multiple compression, and downside risk is elevated if growth disappoints.
With an investment score of 41/100, XBP exhibits moderate growth-oriented spending. Key growth metrics include revenue growth of 3053.6% vs. a sector average of 8.6% and a return on assets of 120.9% (sector: 2.4%). The company appears to be balancing growth investments with capital returns, though the pace of investment may not be enough to accelerate top-line growth meaningfully.
XBP Europe Holdings, Inc. (XBP) is exhibiting exceptional momentum with a score of 99/100, placing it among the strongest trending stocks in the market. Revenue growth stands at 3053.6% year-over-year, while a beta of 0.48 reflects its sensitivity to broader market moves. Stocks with momentum scores this high have historically outperformed over the following 3–12 months, suggesting XBP may continue to benefit from strong institutional interest and positive price trends.
XBP's stability score of 37/100 signals elevated volatility and/or leverage concerns. Key stability metrics include a beta of 0.48 and a debt-to-equity ratio of 292.00x (sector avg: 0.3x). Investors should be prepared for wider-than-average price swings and consider position sizing accordingly to manage portfolio risk.
XBP's short interest factor score of 86/100 indicates very low short selling activity relative to peers — a positive signal suggesting institutional investors see limited near-term downside. Specific risk factors include elevated leverage (D/E: 292.00x), micro-cap liquidity risk. As a micro-cap company with a market capitalization of $33M, XBP Europe Holdings, Inc. benefits from the generally lower volatility and deeper liquidity associated with its size class.
XBP Europe Holdings, Inc. is a micro-cap company in the Services sector, ranked #0 of 50 in its sector (100th percentile) and #1310 of 7,333 overall (82nd percentile). Key comparisons include ROE of 878.2% exceeding the 5.7% sector median and operating margins of -37.1% below the 4.5% sector average. This top-quartile standing reflects exceptional competitive strength relative to Services peers.
While XBP currently exhibits a HOLD profile, superior opportunities exist within the SERVICES sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Services Alpha →Quant Factor Profile
Key factor gap
Momentum (99) vs Value (24) — closing this gap could shift the rating.
ROE 15199% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 25% ABOVE SECTOR MEDIAN (FAVORABLE)
Op. Margin 924% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
IRVING, Texas, Feb. 18, 2026 (GLOBE NEWSWIRE) -- XBP Global Holdings, Inc. (“XBP Global” or “the Company”) (NASDAQ: XBP), a workflow automation leader that leverages decades of industry experience, a global footprint, and agentic AI to rethink business process automation and digital transformation, presents a new report from Everest Group, supported by XBP Global. Public sector organizations worldwide are accelerating the adoption of Intelligent Document Processing (“IDP”) to improve service del
IRVING, Texas, Feb. 12, 2026 (GLOBE NEWSWIRE) -- XBP Global Holdings, Inc. (“XBP Global” or “the Company”) (NASDAQ: XBP), a workflow automation leader that leverages decades of industry experience, a global footprint, and agentic AI to rethink business process automation and digital transformation, announced the launch of Enabling the Next Era of Hyper‑Automation, a company‑wide campaign that reflects its vision to redesign how work is executed by embedding intelligence, autonomy, and human judg

Xbp Global reported Q2 2025 revenue growth of 17.8% to $39.6 million, with a significant 173.8% increase in adjusted EBITDA. The company completed a strategic BPA acquisition, expected to boost annual revenue to $900 million and eliminate $1.1 billion in secured debt.

XBP Global Holdings signed a six-year agreement with New York City's Department of Finance to enhance parking violation ticket payment processing using their Lockbox Services platform, aiming to improve payment options, processing speed, and security.