XBP Global Holdings, Inc. (XBP) Stock

XBP Global Holdings, Inc. (XBP) is a Technology stock trading at $2.84 (as of 2026-08-21), with a market capitalization of $33.42M. Figures are sourced from first-party U.S. SEC EDGAR filings and market data.

XBP Global Holdings, Inc. provides bills, payments, and related solutions, including business process management offerings that combine proprietary software with services. It operates through Bills and Payments and Technology segments, serving clients as a technology and services partner.

Understand XBP Global Holdings, Inc.: how it makes money

XBP Global Holdings integrates bills and payments workflows for businesses, using proprietary software suites plus domain expertise, and it makes money primarily from Applied Workflow Automation revenue tied to optimizing how bills and payments are processed.

The profit engine is Applied Workflow Automation, because it is the dominant revenue line (0.18B out of 0.2B total), so scaling automation-driven bill and payment processing is central to results.

Revenue by segment (latest quarter)
Bills+Payments$0.2B
Technology$0.0B

Business quality (Weak): Clear operating focus on automation outcomes, but profitability was negative in the latest quarter (operating margin -7.7%), so execution and cost control remain key questions.

Valuation: Trades at 6× trailing earnings · $0B market cap.

Bull case

  • Automation-led revenue concentration: Revenue from Applied Workflow Automation is 0.18B of 0.2B total revenue, indicating the core offering is driving results.
  • Measured automation performance: Automation Rate Using Intelligent Document Processing Workflow is 75%, and Output Speed Uplift is 70%, which align with the company's workflow automation focus.

Bear case

  • Profitability pressure: Gross margin is 22.9%, but operating margin is -7.7%, suggesting operating costs exceed operating gross profit in the latest quarter.
  • Potential dependency on ramping activity: Active Revenue Ramp is 0.03B, so near-term performance may be sensitive to how quickly revenue activity ramps.
Valuation — source: SEC EDGAR (first-party)
Price$2.84
Market Cap$33.42M
Price / Book0.72
Price / Sales0.05
FCF Yield-58.0%
DCF Value (model)$1.90
DCF Upside vs Price-33.1%
Profitability & Growth — source: SEC EDGAR
Revenue (TTM)$359.38M
Net Margin-97.7%
Revenue Growth (YoY)-58.8%
EPS Growth (YoY)-7387.8%
FCF Growth (YoY)-291.5%
Financial Health — source: SEC EDGAR
Altman Z-Score-1.41 (distress)
Valuation vs Sector & Industry
Sector P/E (Technology)33.9
Industry P/E (Business Services)29.9
Smart-Money Activity — SEC Form 4 / 13F / Congressional disclosures
Top Institutional HolderGates Capital Management, Inc. ($14.05M)
Institutional Holders Tracked10
Company
SectorTechnology
IndustryBusiness Services
CEOAndrej Jonovic
Employees1,310
CountryUS
IPO Date2021-05-05

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XBP earnings history · XBP institutional & insider holders · XBP KPIs & operating metrics · XBP financials · XBP investor presentations & press releases · XBP SEC filings · XBP peers · Congress trades · Insider trades · Short interest · Stock screener

Data as of 2026-08-21.

Figures sourced from U.S. Securities and Exchange Commission (SEC EDGAR) filings and market data. Not personalized investment advice.