A Business at a Glance
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Cuentas Inc.
CUEN
$5M
Mkt Cap
$0.45
+27.04%
Cuentas Inc. (CUEN) has a 5-year average return on invested capital (ROIC) of -85.1%. This is below average and may indicate limited pricing power.
Cuentas Inc. (CUEN) has a market capitalization of $2M. It is classified as a small-cap stock.
Cuentas Inc. (CUEN) does not currently pay a regular dividend.
Cuentas Inc. (CUEN) operates in the Wholesale-Groceries & Related Products industry, within the Consumer Defensive sector.
Cuentas Inc. (CUEN) generated $-598 thousand in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
Cuentas Inc. (CUEN) reported earnings per share (EPS) of $-0.30 in its most recent fiscal year.
Cuentas Inc. (CUEN) has a return on equity (ROE) of 204.3%. This indicates the company generates strong returns for shareholders.
Our Business Our business is mainly focused on using proprietary technologies to integrate FinTech (Financial Technology), e-finance and e-commerce services into solutions that deliver mobile financial services, prepaid debit and digital content services to the unbanked, under-banked and underserved populations nationally in the USA. The Cuentas technology platform integrates Cuentas Mobile, the Company’s Telecommunications solution, with its core financial services offerings to help entire communities enter the modern financial marketplace. Prior to the August 12, 2024, termination discussed below, Our General Purpose Reloadable (GPR) “Debit Card” is designed to allow customers to purchase prepaid products and services, including third party digital content, gift cards, remittances, mobile phone topups and other digital services. An agreement with Interactive Communications International, Inc.
| Metric | TTM | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 |
|---|---|---|---|---|---|---|
| Revenue | 0 | - | 2.3M | - | - | - |
| Net Income | -1.6M | -3.3M | -2.2M | -15M | -11M | -8.1M |
| EPS | $-0.40 | $-0.31 | $-0.24 | $-23.62 | $-18.64 | $-4.64 |
| Free Cash Flow | 0 | -598K | -4.2M | -8.1M | -9.4M | -1.7M |
| ROIC | -155.5% | -141.7% | -107.3% | -756.5% | -382.6% | -6.3% |
| Gross Margin | - | - | -16.5% | - | - | - |
| Debt/Equity | 0.00 | -0.12 | -1.44 | -0.12 | -0.07 | 1.41 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | -1.9M | -2.0M | -6.4M | -14M | -11M | -7.8M |
| Operating Margin | 0.0% | - | -273.2% | - | - | - |
| ROE | 0.0% | 204.3% | - | -333.1% | -206.7% | -238.2% |
| Shares Outstanding | 4M | 11M | 9M | 1M | 1M | 2M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 3.7M | 5K | N/A | N/A | 54M | 75M | 967K | N/A | N/A | N/A | 2.3M | N/A | 0 |
| Gross Margin | 20.3% | 16.3% | N/A | N/A | 4.5% | 0.6% | 16.4% | N/A | N/A | N/A | -16.5% | N/A | N/A |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 1.1M | 220K | 441K | 608K | 4.0M | 3.8M | 2.3M | 5.8M | 9.0M | 9.4M | 6.0M | 1.9M | 1.9M |
| EBIT | -300K | -686K | -479K | -7.9M | -1.6M | -5.2M | -2.1M | -7.8M | -11M | -14M | -6.4M | -2.0M | -1.9M |
| Op. Margin | -8.0% | -13082.0% | N/A | N/A | -2.9% | -7.0% | -221.9% | N/A | N/A | N/A | -273.2% | N/A | 0.0% |
| Net Income | -359K | N/A | -1.2M | -10M | -708K | -3.6M | N/A | -8.1M | -11M | -15M | -2.2M | -3.3M | -1.6M |
| Net Margin | -9.6% | N/A | N/A | N/A | -1.3% | -4.8% | N/A | N/A | N/A | N/A | -93.6% | N/A | 0.0% |
| Non-Recurring | 0 | 0 | 0 | 1.5M | -328K | -583K | 0 | 0 | 0 | 3.6M | -537K | -1.9M | -1.9M |
| Returns on Capital | |||||||||||||
| ROIC | -16.8% | N/A | -120.7% | N/M | -12.5% | -69.0% | N/A | -6.3% | N/M | N/M | -107.3% | -141.7% | -155.5% |
| ROE | 184.2% | N/A | 36.3% | 194.6% | 12.9% | 68.9% | N/A | -238.2% | -206.7% | -333.1% | N/A | 204.3% | 0.0% |
| ROA | -27.4% | N/A | -735.0% | -1945.6% | -10.7% | -38.6% | N/A | -97.2% | -108.6% | -211.3% | -70.6% | -113.5% | -163.3% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | -163K | -398K | -794K | -929K | -309K | -517K | -1.3M | -1.7M | -9.3M | -8.1M | -4.2M | -598K | -1.4M |
| Free Cash Flow | -163K | -402K | -809K | -929K | -314K | -526K | -1.3M | -1.7M | -9.4M | -8.1M | -4.2M | -598K | 0 |
| Owner Earnings | -165K | -398K | -799K | -2.1M | -1.5M | -1.5M | -1.8M | -3.2M | -12M | -9.8M | -4.8M | -809K | -1.4M |
| CapEx | 0 | 4K | 14K | 0 | 5K | 9K | 0 | 0 | 47K | 7K | 11K | 0 | 0 |
| Maint. CapEx | 1K | 0 | 5K | 52K | 71K | 4K | 1K | 1K | 2K | 3K | 4K | 2K | 2K |
| Growth CapEx | N/A | 4K | 10K | N/A | 0 | 5K | N/A | N/A | 45K | 4K | 7K | N/A | 0 |
| D&A | 1K | 0 | 5K | 52K | 71K | 4K | 1K | 1K | 2K | 3K | 4K | 2K | 2K |
| CapEx/OCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 400K | 0 | 0 | 0 | 0 | 29K | 4K | 0 | 0 |
| Buyback Yield | 0.0% | N/A | N/A | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | 1.1M | 1.2M | 943K | 487K | 1.4M | 2.7M | 1.7M | 622K | 209K | 26K |
| Debt Repayment | 4K | 0 | 0 | 10K | 10K | 12K | 250K | 250K | 730K | 0 | 0 | 75K | 75K |
| Balance Sheet | |||||||||||||
| Net Debt | 96K | 195K | 472K | 873K | -152K | -197K | 250M | 1.1M | -7.2M | -377K | -104K | 376K | 503K |
| Cash & Equiv. | -7K | 29K | 18K | 256K | 93K | 154K | 16K | 227K | 6.6M | 466K | 205K | 15K | 57K |
| Long-Term Debt | 4K | N/A | 280K | 53K | 120K | 36K | 250M | 89K | 89K | 89K | 101K | N/A | 560K |
| Debt/Equity | -0.29 | -0.08 | -0.13 | -0.18 | -0.04 | -0.01 | 42.62 | 1.41 | -0.07 | -0.12 | -1.44 | -0.12 | 0.00 |
| Interest Coverage | -4.0 | -11.4 | -2.3 | -5.1 | -1.5 | -5.3 | -2.0 | -72.0 | -62.0 | -1196.3 | -91.6 | -16.9 | -16.9 |
| Equity | -305K | -2.7M | -3.9M | -6.4M | -4.5M | -5.8M | 5.9M | 931K | 9.4M | -724K | -70K | -3.2M | -3.9M |
| Total Assets | 1.4M | 13K | 313K | 719K | 12M | 6.0M | 9.2M | 7.5M | 12M | 1.5M | 4.7M | 1.1M | 962K |
| Total Liabilities | 1.7M | 2.8M | 4.2M | 10M | 18M | 12M | 3.9M | 6.6M | 2.8M | 2.2M | 4.8M | 4.3M | 4.9M |
| Intangibles | N/A | N/A | N/A | N/A | 3.0M | 1.9M | 9.0M | 7.2M | 5.4M | 28K | 19K | N/A | N/A |
| Retained Earnings | -567K | -2.3M | -4.0M | -13M | -14M | -18M | -19M | -27M | -38M | -53M | -55M | -58M | -60M |
| Working Capital | -829K | -1.6M | -4.1M | -9.7M | -6.7M | -7.5M | -3.8M | -6.2M | 4.1M | -1.4M | -2.9M | -3.2M | -4.1M |
| Current Assets | 522K | 10K | 112K | 601K | 7.9M | 4.0M | 165K | 296K | 6.8M | 689K | 1.8M | 1.1M | 841K |
| Current Liabilities | 1.4M | 1.6M | 4.2M | 10M | 15M | 12M | 3.9M | 6.5M | 2.7M | 2.1M | 4.7M | 4.3M | 4.9M |
| Per Share Data | |||||||||||||
| EPS | -0.00 | -0.04 | -0.00 | -0.02 | -0.31 | -1.45 | -0.73 | -4.64 | -18.64 | -23.62 | -0.24 | -0.31 | -0.40 |
| Owner EPS | -0.00 | N/A | -0.00 | -0.00 | -0.67 | -0.60 | -0.49 | -1.82 | -20.98 | -15.99 | -0.52 | -0.07 | -0.32 |
| Book Value | -0.00 | N/A | -0.00 | -0.01 | -1.99 | -2.36 | 1.58 | 0.53 | 16.42 | -1.18 | -0.01 | -0.29 | -0.90 |
| Cash Flow/Share | -0.00 | N/A | -0.00 | -0.00 | -0.14 | -0.21 | -0.35 | -1.00 | -16.21 | -13.23 | -0.45 | -0.06 | -0.36 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 13.5B | N/A | 1.2B | 502.1M | 2.3M | 2.5M | 3.7M | 1.7M | 0.6M | 0.6M | 9.2M | 10.8M | 4.4M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -1.1 |
| P/FCF | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Sales | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| FCF Yield | N/A | -4.8% | -6.2% | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Market Cap | 0 | 8.4M | 13M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.0M |
| Avg. Price | 0.00 | 3,197.35 | 870.78 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.45 |
| Year-End Price | 0.00 | 1,950.27 | 3,021.83 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.45 |
Cuentas Inc. passes 0 of 9 quality checks, indicating weak fundamentals.
Cuentas Inc. (CUEN) has a 5-year average gross margin of -16.5%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 14 years of financial data for Cuentas Inc. (CUEN), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
Cuentas Inc. (CUEN) has a book value per share of $-0.29, based on its most recent annual SEC filing.
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