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Clip Money Inc (CLIP) Fair Value & Analysis

Technology · CA · Market cap C$19.6M

CM Clip Money Inc CLIP · V
PriceC$0.1900
Fair ValueC$0.1800
Upside-5.3%
Quality34/100
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Expensive Growth
Loss-making · -140.1% net margin
Negative equity (buybacks among others) · negative free cash flow
Trails peers (3/8)
Narrow moat 5/100
Evidence: Low Range C$0.1400 – C$0.2300 Share as image

Fair value as of: Jun 23, 2026

From 3 valuation models · updated 53 days ago

Share price +15.2% over the past month.

Below-average quality, currently priced close to our fair value.

What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
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Price vs Fair Value (4 years)

C$1.00 C$0.1100 Fair Value C$0.1800 May 2022 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jun 23, 2026.

How to read this chart

51‑month range C$0.1100 – C$1.00 · fair‑value band C$0.1400 – C$0.2300 · the C$0.1900 price screens above the C$0.1800 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jun 23, 2026.

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Analysis

Clip Money Inc (CLIP) currently trades at C$0.1900, while our model-based Fair Value estimate is C$0.1800, implying the stock looks roughly 5.3% fairly valued today. The Quality Score stands at 34/100 (below-average quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: low).

Trailing-twelve-month revenue stands at C$6.5M. Revenue grew 81.3% year over year. Net debt stands at C$15.2M. Fundamentals as of Jun 23, 2026

Our scenario range runs from C$0.1400 (bear case) to C$0.2300 (bull case); at C$0.1900, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 42% below its 52-week high and 73% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -59% fair-value upside, at -5%, CLIP screens cheaper than that median.

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Key figures & financial health

Revenue (TTM) C$6.5M
Revenue growth (YoY) +81.3%
Net margin -140%
Return on equity -640%
Free cash flow −C$4.4M FY2025
Operating margin -84.2%
More key figures
EPS (TTM) C$-0.1100
Net debt C$15.2M FY2025

Figures from reported company fundamentals · as of Jun 23, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 34/100

Of which business quality 33 · Market factors (momentum, volatility) 41

Profitability 12
Margins and returns on capital today
Quality Growth 100
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 30
Balance sheet, leverage, solvency risk
Investment 92
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 45
Price trend over the last 3–12 months (market factor)
52W Momentum 24
Distance to the 52-week high (market factor)
Net Issuance 6
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Clip Money Inc., a financial technology company, provides deposit network services to businesses and financial institutions in North America.

Full company description

Clip Money Inc., a financial technology company, provides deposit network services to businesses and financial institutions in North America. It offers ClipDrop, a network of self-service, internet connected safes designed for businesses to securely deposit cash using ClipDrop deposit bags; ClipATM, a Clip platform, which supports ATMs; and ClipCenter, a cash deposit solution. The company also provides ClipChange, an on-demand or subscription-based service, which packages low denomination notes and coins. Clip Money Inc. is headquartered in Ottawa, Canada. Clip Money Inc. operates as a subsidiary of NCR Atleos Corporation.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Clip Money Inc reported revenue of C$5.7M in FY2025 versus C$2.4K in FY2021, a compound +597.7%/yr. Reported net income was −C$9.1M in FY2025.

Growth Quality 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
C$5.7M
Latest YoY
+143.3%
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+442.2%
Revenue +597.7%/yr
FY21 C$2.4K
FY22 C$36.0K
FY23 C$578K
FY24 C$2.4M
FY25 C$5.7M
Net income
FY21 −C$5.5M
FY22 −C$15.8M
FY23 −C$9.3M
FY24 −C$9.3M
FY25 −C$9.1M

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Cite: Fair Value Calculator (2026). "Clip Money Inc Fair Value". https://www.fairvalue-calculator.com/stock/CLIP

Peer Group

Software - Infrastructure · 370 stocks

How this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.

Quality Score 34 · Bottom 25%
Fair Value upside −5% · Above median
Return on assets -45% · Bottom 25%
Net margin (TTM) -140% · Bottom 25%
Operating margin (TTM) -84% · Bottom 25%
Revenue growth 81% · Top 25%

Valuation Multiples vs Software - Infrastructure median · lower = cheaper

P/S (TTM) 2.17× · Pricier than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 26 · sector 0
FUTURE 100 · sector 49
PAST 0 · sector 14
HEALTH 100 · sector 99
DIVIDEND 0 · sector 28

PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Jun 23, 2026).

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Microsoft Corporation MSFT $506.06 $365.74 -28%
Oracle Corporation ORAC C$7.22 C$2.34 -68%
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Synopsys, Inc 1SNPS €358.00 €93.61 -74%
Block, Inc XYZ A$111.01 A$70.69 -36%
Range Intelligent Computing Technology Group 300442 ¥67.70 ¥30.89 -54%
Oracle Financial Services Software Limited OFSS ₹11,679 ₹6,897 -41%
360 Security Technology Inc 601360 ¥9.58 ¥1.05 -89%
One97 Communications Limited PAYTM ₹1,610 ₹241.68 -85%
PT GoTo Gojek Tokopedia Tbk GOTO 50.00 IDR 20.41 IDR -59%

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Frequently asked questions

Is Clip Money Inc (CLIP) overvalued or undervalued?
As of Jun 23, 2026, our model estimates a fair value of C$0.1800 versus a price of C$0.1900, about −5% (fairly valued).
What is the fair value of CLIP?
Our model-based fair value for Clip Money Inc is C$0.1800 (as of Jun 23, 2026), built from audited fundamentals. The current price is C$0.1900.
What is the quality score of CLIP?
Clip Money Inc has a Quality Score of 34/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the revenue of Clip Money Inc (CLIP)?
Clip Money Inc reported trailing-twelve-month revenue of about C$6.5M (latest available figure, as of Jun 23, 2026).
What is the net profit margin of CLIP?
The net profit margin of Clip Money Inc is about -140.1%, meaning it is currently running at a net loss. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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