CURRENC Group (CURR) Fair Value & Analysis
Technology · US · Market cap $340M
CURRENC Group
CURR · US
Fair value as of: Jul 26, 2026
From 2 valuation models · updated 15 days ago
Share price +5.4% over the past month.
Below-average quality, and screening another 33% overvalued on our models.
What matters now
- Weak quality (43/100) and above fair value at the same time, the margin of safety is missing on both counts.
- The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
- A fairly wide model range ($1.36 to $3.26) leaves room in how you read the outcome.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.
How to read this chart
55‑month range $0.3599 – $12.36 · fair‑value band $1.36 – $3.26 · the $3.11 price screens above the $2.09 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.
Analysis
CURRENC Group (CURR) currently trades at $3.11, while our model-based Fair Value estimate is $2.09, implying the stock looks roughly 32.8% overvalued today. The Quality Score stands at 43/100 (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).
Over the trailing twelve months, CURRENC Group generated revenue of $37.8M at a net margin of -48.7%. Revenue declined 21.8% year over year. The balance sheet holds a net cash position of $58.3M. Fundamentals as of Jul 26, 2026
Our scenario range runs from $1.36 (bear case) to $3.26 (bull case); at $3.11, 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 34% below its 52-week high, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at -33%, CURR screens richer than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 2 models by family
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 59 · Market factors (momentum, volatility) 65
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
CURRENC Group Inc., an investment holding company, engages in the provision of money transfer and airtime trading services in Malaysia and Indonesia. It operates in two segments: Remittance Services and Sales of Airtime.
Full company description
CURRENC Group Inc., an investment holding company, engages in the provision of money transfer and airtime trading services in Malaysia and Indonesia. It operates in two segments: Remittance Services and Sales of Airtime. The company offers cross-border remittance solutions for financial institutions and payment providers, cross-border payments for non-financial businesses, airtime transfer, and retail telecom credit recharge services. It is also involved in business center operations; development of AI call center solutions and system integration; provision of international airtime reloads; technical and maintenance services; money remittance; providing and sourcing airtime and other related services; and the research, development, and commercialization of the Treatsup application, as well as the provision of implementation, technical, and maintenance services related to the application. In addition, the company provides a single unified application programming interface for licensed banks and money service operators, and acts as a one-stop settlement agent for cross-border money transfers, as well as cross-border airtime wholesale and transfer services. Further, it operates WalletKu, an independent electronic platform that allows customers to purchase airtime, conduct internet data top-ups, cash top-ups, transfers, and utility bill payments. The company is headquartered in Singapore.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
CURRENC Group reported revenue of $37.8M in FY2025 versus $57.5M in FY2021, a compound −9.9%/yr. Reported net income was −$18.4M in FY2025.
CURR screens 33% overvalued. Compare with SAP SE →
Earlier news
External third-party headlines (Yahoo Finance, Reuters and others), not an editorial selection.
- Currenc Group Executes Strategic Restructuring of Indonesian WalletKu Subsidiary to Refocus on High-Growth AI & Web3 Roadmap
- Currenc Group Receives Nasdaq Deficiency Notification Regarding Annual Meeting
- Currenc Group Subsidiary To Divest Stake In Tranglo To New Margin Holding
- Currenc Group Announces Strategic Divestment of Controlling Interest in Tranglo to New Margin Holding for US$400 Million
Peer Group
Software - Application · 709 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.
Valuation Multiples vs Software - Application median · lower = cheaper
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 0: the price sits above our fair-value range.
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.
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 - Application stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAPS | C$12.69 | C$16.26 | +28% |
| Shopify Inc SHOP | C$173.23 | C$20.54 | -88% |
| Uber Technologies, Inc UBER | $72.67 | $51.11 | -30% |
| Salesforce, Inc CRM | $170.77 | $182.10 | +7% |
| ServiceNow, Inc NOW | $107.71 | $33.12 | -69% |
| Cadence Design Systems, Inc CDNS | $384.17 | $80.41 | -79% |
| Snowflake Inc SNOW | $271.87 | $34.04 | -87% |
| Adobe Inc ADBE | $230.61 | $379.48 | +65% |
| Automatic Data Processing, Inc ADP | $241.92 | $177.51 | -27% |
| Intuit Inc INTU | $291.09 | $258.69 | -11% |
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Frequently asked questions
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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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