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Goldmoney Inc (XAUMF) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Goldmoney Inc $19.48, price $9.53, upside +104.4%, quality 74 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Broad data
Sep 24, 2026
Broad data
Sep 24, 2026
Goldmoney Inc
XAUMF · USClearly undervaluedStrong Fair Value upside, but quality is only moderate.
✓Fair value $19.48 · Strongly undervalued (+104.4%)
✓Quality 74/100
!Mixed Growth (revenue YoY +55.3 %/yr)
✓Highly profitable · 28.2% net margin (TTM)
✓Moderate debt · generates free cash flow
✓Wide moat 84/100
!The models disagree: range $8.55 to $37.41
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range $4.72 – $14.08 · fair‑value band $8.55 – $37.41 · the $9.53 price screens below the $19.48 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
Goldmoney Inc., through its subsidiaries, engages in the precious metals and real asset businesses worldwide. It operates through Goldmoney.com and Goldmoney Properties segments.
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Goldmoney Inc., through its subsidiaries, engages in the precious metals and real asset businesses worldwide. It operates through Goldmoney.com and Goldmoney Properties segments. The company operates Goldmoney.com, an online platform that provides clients with access to their holding to purchase and sell physical precious metals, as well as arranges for storage. It also acquires and rents real estate properties, as well as designs, manufactures, and sells jewelry through a pricing and e-commerce platform. The company was formerly known as BitGold Inc. and changed its name to Goldmoney Inc. in July 2015. Goldmoney Inc. was founded in 2001 and is based in Road Town, the British Virgin Islands.
Stock analysis
Goldmoney Inc (XAUMF) currently trades at $9.53, while our model-based Fair Value estimate is $19.48, implying the stock looks roughly 51.1% undervalued today.
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Valuation
Bull case: the Earnings-Based group reads highest at a median of $28.81 per share, and 9 of the 11 models we run sit above the $9.53 price.
Bear case: the Asset-Based group reads lowest at $6.17, and 2 of the 11 models stay below the price. Evidence for this calculation is high.
Scenario range: $8.55 (bear) to $37.41 (bull), the price of $9.53 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 74/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Goldmoney Inc reported revenue of C$102M in FY2025 versus C$662M in FY2021, a compound −37.4%/yr. Reported net income was C$14.6M in FY2025, compounding +5.7%/yr from FY2021.
Key figures
Market cap $137M · P/E ratio 4.1 · P/S ratio 0.58 · EPS (TTM) $2.35 · Net margin 14.3% · Return on equity 33.2% · Return on assets (EBIT) 4.0% · Operating margin 32.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 32% below its 52-week high and 32% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at 104%, XAUMF screens cheaper than that median.
Fair Value models
Bear $8.55
Fair Value $19.48
Bull $37.41
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then ($2.35 per share) are deliberately not added.
Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.
Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
Growth DCF
$29.41
$49.96
$82.08
74
Owner Earnings
$7.86
$19.33
$39.35
69
Rev-Margin DCF
$15.77
$25.89
$45.98
68
All 11 models by family
DCF Models
Owner Earnings
$7.86
$19.33
$39.35
69
5Y P/E Exit
$13.83
$26.46
$42.10
67
10Y P/E Exit
$20.42
$36.28
$58.93
60
Earnings-Based
Graham-Dodd
$5.60
$39.03
$54.78
61
Lynch FV
$20.17
$28.81
$37.45
59
Multiples
P/E Multiple
$8.02
$10.70
$13.37
63
P/B Multiple
$9.67
$12.89
$16.11
55
Asset-Based
NCAV (Graham)
$4.60
$6.17
$9.21
54
Growth DCF
Growth DCF
$29.41
$49.96
$82.08
74
Rev-Margin DCF
$15.77
$25.89
$45.98
68
Economic Profit
Residual Income
$7.06
$7.39
$8.18
68
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Set up alert →Quality Score breakdown
Overall quality
74/100
Of which business quality 71 · Market factors (momentum, volatility) 48
Profitability
34
Margins and returns on capital today
Quality Growth
70
Are margins and returns improving?
Cashflow
100
Earnings quality: real cash, not paper profit
Fin. Strength
64
Balance sheet, leverage, solvency risk
Investment
67
Disciplined investing over empire-building
Low Volatility
63
Calm price path (market factor)
Momentum
39
Price trend over the last 3–12 months (market factor)
52W Momentum
46
Distance to the 52-week high (market factor)
Net Issuance
100
Share count: buybacks or dilution?
Revenue & earnings trend
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.
91/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−0.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−0.5%
Dividend (yield on the price)0.0%
Profit margin 2019 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.−4% → 21%
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−12.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (figures in CAD, Canada: IMF forecast 2.1% a year to 2030, 2.6% from 2016 to 2025) that is about −14.0% a year for the price.
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Peer Groupⓘ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.Capital Markets · 462 stocks
Beats the industry median on 12/13 measures
Overall it ranks above its industry peers.
Valuation Multiplesvs Capital Markets median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA market
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
Similar stocks
10 more Capital Markets stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Morgan Stanley, a financial holding company, MS | $188.08 | $314.07 | +67% |
| The Goldman Sachs Group GS | $900.36 | $766.86 | −15% |
| The Charles Schwab Corporation SCHW | $97.74 | $118.07 | +21% |
| Interactive Brokers Group IBKR | $89.24 | $23.12 | −74% |
| Robinhood Markets, Inc HOOD | $116.22 | $47.77 | −59% |
| Macquarie Group MQG | A$245.63 | A$80.51 | −67% |
| CITIC Securities Company 600030 | ¥26.29 | ¥18.35 | −30% |
| Guotai Haitong Securities Co 601211 | ¥17.21 | ¥19.35 | +12% |
| East Money Information Co 300059 | ¥18.28 | ¥4.94 | −73% |
| Nomura Holdings NMR | $9.91 | $10.19 | +3% |
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Frequently asked questions
Is Goldmoney Inc (XAUMF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $19.48 versus a price of $9.53, about +104% upside (undervalued).
What is the fair value of XAUMF?
Our model-based fair value for Goldmoney Inc is $19.48 (as of Sep 24, 2026), built from audited fundamentals. The current price: $9.53.
What is the quality score of XAUMF?
Goldmoney Inc has a Quality Score of 74/100. 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 price target for Goldmoney Inc (XAUMF)?
Our model-based price target is the fair value of $19.48 (as of Sep 24, 2026) from 11 valuation models. Cautious scenario $8.55, optimistic scenario $37.41. It is a calculation from audited fundamentals, not an analyst target.
What is the Goldmoney Inc stock forecast for 2026?
Our models put fair value at $19.48, about +104% upside versus a price of $9.53 (undervalued). Cautious scenario $8.55, optimistic scenario $37.41. The calculation is refreshed regularly with new filings.
What is the revenue of Goldmoney Inc (XAUMF)?
Goldmoney Inc reported trailing-twelve-month revenue of about C$227M (latest available figure, as of Sep 24, 2026).
What growth is priced into Goldmoney Inc (XAUMF)?
For today's price to be fair in a discounted-cash-flow model, Goldmoney Inc would have to grow free cash flow by -12.2 % per year for five years (discount rate 11.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -26.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of XAUMF use?
Our models discount Goldmoney Inc at 11.6 %: a base by market capitalisation (micro), damped by beta 0.64, country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Goldmoney Inc that is -12.2 % per year a year over ten years, using the same discount rate (11.6 %) and the same formula as our fair value.
How much growth has Goldmoney Inc (XAUMF) delivered so far?
Over the past 5 years revenue at Goldmoney Inc grew -26.0 % a year. The price currently implies -12.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Goldmoney Inc (XAUMF) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into Goldmoney Inc (-12.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Goldmoney Inc (XAUMF)?
The free-cash-flow yield on the price is 27.77 %: that much free cash flow Goldmoney Inc produces per unit of market value. When it exceeds the discount rate of our models (11.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Goldmoney Inc (XAUMF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Goldmoney Inc it is $19.48 per share (as of Sep 24, 2026), against a price of $9.53. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Goldmoney Inc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, XAUMF trades below its calculated fair value: price $9.53, fair value $19.48, a gap of about +104% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of XAUMF?
No. The price is what the market pays today ($9.53); the fair value is what the company's own numbers justify ($19.48). For Goldmoney Inc the two are $9.95 per share apart. That gap is exactly why we show both numbers side by side.
How much is Goldmoney Inc worth?
The market values Goldmoney Inc at about $137M (market capitalisation, as of Sep 24, 2026). Per share that is $9.53; our models calculate a fair value of $19.48 per share.
What do the bullish and bearish scenarios say about XAUMF?
Our models span a range for Goldmoney Inc: cautious scenario $8.55, base $19.48, optimistic $37.41 per share (as of Sep 24, 2026, price $9.53). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of XAUMF?
Goldmoney Inc trades at a price-to-earnings ratio of 4.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $19.48 is built from several models across several years. Other multiples: P/B 0.8, P/S 0.6, EV/EBITDA 3.7.
How solid is the balance sheet of Goldmoney Inc (XAUMF)?
Balance-sheet figures for Goldmoney Inc (as of Sep 24, 2026): return on equity 33.2%, debt of 0.52 per unit of equity. They feed the Quality Score of 74/100, which measures business quality independently of the share price.
How far is XAUMF from its 52-week high?
Goldmoney Inc trades at $9.53, about 32% below its 52-week high of $14.08 and 32% above the low of $7.20 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of $19.48 is for.
Which stocks are comparable to Goldmoney Inc?
From the same area (Financial Services) we also value Morgan Stanley, a financial holding company,, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Goldmoney Inc stock attractive at the current price?
The data as of Sep 24, 2026: price $9.53, calculated fair value $19.48 (+104%), Quality Score 74/100, from 11 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of XAUMF calculated?
We run Goldmoney Inc through 11 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $19.48, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Goldmoney Inc currently trades 51 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Goldmoney Inc (XAUMF)?
The closing price on Oct 2, 2026 was $9.53. Our model-based fair value is $19.48, about +104% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Goldmoney Inc right now?
The rarer combination: high quality (74/100) AND below fair value. That earns a closer look rather than a quick verdict. The model range is unusually wide ($8.55 to $37.41). The outcome hinges heavily on assumptions, so read the point estimate with caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Key figures of Goldmoney Inc
How large is the market capitalisation of Goldmoney Inc (XAUMF)?
The market capitalisation of Goldmoney Inc is $137M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Goldmoney Inc (XAUMF)?
The price-to-sales ratio of Goldmoney Inc is 0.58 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Goldmoney Inc (XAUMF)?
Earnings per share at Goldmoney Inc are $2.35 (price ÷ EPS = P/E 4.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Goldmoney Inc (XAUMF)?
The net margin of Goldmoney Inc is 14.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Goldmoney Inc (XAUMF)?
The return on equity (ROE) of Goldmoney Inc is 33.2% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Goldmoney Inc (XAUMF)?
On an EBIT basis the return on assets of Goldmoney Inc is 4.0% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Goldmoney Inc (XAUMF)?
The operating margin of Goldmoney Inc is 32.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Goldmoney Inc (XAUMF)?
Revenue at Goldmoney Inc is growing +25.8% versus a year earlier (3y avg −34.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Goldmoney Inc (XAUMF)?
Earnings per share at Goldmoney Inc are growing +229% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Goldmoney Inc (XAUMF) carry?
The net debt of Goldmoney Inc is C$71.4M (fiscal year 2025, ≈ 1.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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