Currenc Group Inc. (CURR)

Nasdaq: CURR · Services-Business Services, NEC · New York, NY · filing with the SEC since 2021

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Grade3.1

◀ Past 1.0● Present 1.5▶ Future 5.8

2 est.

Overview Business Financials Grade Forecast Sentiment Ownership People Filings Patents Chart

The grade of Currenc Group Inc.

Nine metrics read from its own filings, by tense

Headline grade

3.1/10

◀ Past1.025% of the headline

● Present1.535% of the headline

▶ Future5.840% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

Of the nine metrics, 7 read as filed from the record and 2 are SI estimates, each with its reasoning, its confidence and what would change it on its card.

◀ Past

What did they actually do?

1.0/1025% of the headline grade · 2 of 3 filed, 1 estimated

Surviving crises

as filed

0.5/10

Has it survived what it has been through?

14 warning events since 2021; the latest 2025-06-30.

weight 22% of this tense · 5th percentile among 105 sector filers · read for itself

From the record

Currenc Group Inc.'s filings since 2021 show 14 warning events of 4 kinds: a notice about its exchange listing (8-K item 3.01, 6 times, the latest 2025-06-30); a warning not to rely on past financial statements (8-K item 4.02, the latest 2023-08-04); an auditor change (8-K item 4.01, the latest 2024-10-28); a late-report notice (Form NT 10-K or NT 10-Q, 6 times, the latest 2025-05-14) (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed

1.2/10

What has it actually done, year after year?

-15.7% a year over 3 filed years; profitable in 0 of 3.

weight 45% of this tense · 12th percentile among 99 sector filers · read for its customers

From the record

Currenc Group Inc.'s 3 filed years say what it did: revenue went from $53 million in fiscal 2023 to $38 million in fiscal 2025, down 15.7% a year; it rose in 0 of 2 years; the deepest fall was 29% from fiscal 2023 to fiscal 2025; net income was positive in 0 of 3 of those years (its annual reports).

What it rests on

revenue growth over the filed span-15.7%bottom 9% of its family
the share of years revenue rosebottom 2% of its family
the share of filed years with a profitbottom 9% of its family
the deepest fall from a revenue peak29.0%bottom 28% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

SI estimate

1.0/10

How has it treated the people who own it?

SI estimate 1.0/10, confidence 35 of 100 (one part).

weight 33% of this tense · 10th percentile among 98 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: Read from one part only, the share count over the years, which ranks in the bottom 10% of 98 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
What the record cannot read: Fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income.
How it was reasoned: one part: the share count over the years, the one part on file, ranked among 98 in its family.
Confidence: 35 of 100
What would change it: A filing that carries the missing parts replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Currenc Group Inc.'s shareholder treatment is put at 1.0 of 10 with a confidence of 35 of 100, because read from one part only, the share count over the years, which ranks in the bottom 10% of 98 in its family; fewer than two of the parts can be read: the share count over the years, and the cash returned against a positive operating cash flow or net income. A filing that carries the missing parts replaces this estimate with the filed reading.

● Present

What are they doing right now?

1.5/1035% of the headline grade · 3 of 3 filed

Financial health

as filed

1.6/10

Is it financially healthy right now?

Leverage 105%: owes 105¢ per asset dollar.

weight 33% of this tense · 16th percentile among 98 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Currenc Group Inc.'s shareholders' equity was below zero, so the profit on it is not read, and gross profitability: its products earned about 14 cents per dollar of everything the company owns. Leverage: it owed about 105 cents per dollar of assets, and net share issuance: its share count grew 61.1% over the year (the filed statements).

What it rests on

what it owes per dollar of assetsbottom 9% of its family
gross profit against assetsbottom 28% of its family
the share count against the year beforebottom 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed

1.3/10

How strong is its position in its industry?

bottom 13% of 101 in its family; net margin -48.7%.

weight 45% of this tense · 13th percentile among 101 sector filers · read for its customers

From the record

Currenc Group Inc.'s standing among 101 graded names in its industry family: revenue of $38 million in fiscal 2025 ranks in the bottom 13% by size; a net margin of -48.7% ranks in the bottom 15%; revenue growth of -15.7% a year over the last 2 filed years ranks in the bottom 11% (its annual reports).

What it rests on

revenue against the family$37.8Mbottom 13% of its family
net margin-48.7%bottom 15% of its family
three-year revenue growth-15.7%bottom 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed

1.6/10

What are the people in charge doing?

bottom 16% of 65 in its family for leadership; chief executive since 2026.

weight 22% of this tense · 16th percentile among 65 sector filers · read for its shareholders

From the record

Currenc Group Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Kong, Alexander King Ong (Chief Executive Officer, as filed), filing under that title since 2026-03-18, 8 months (bottom 10% of its family); most of the 5 officers and directors filing now have filed since the record of its people begins (2024-09-10), a floor of 2.2 years the record cannot see past, so that part is not read; 4 officer or director changes were reported on Form 8-K since 2023-11-13, against the 5 people in charge now (bottom 23%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

officer and director changes on Form 8-K, against the people in charge4 in three years among 5 peoplebottom 23% of its family
the chief executive's years on the record8 monthsbottom 10% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

5.8/1040% of the headline grade · 2 of 3 filed, 1 estimated

Room to expand

as filed

7.3/10

How much room does it have to grow?

top 27% of 99 in its family for room to expand.

weight 33% of this tense · 73rd percentile among 99 sector filers · read for itself

From the record

Currenc Group Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $75 million against debt of $1 million leaves 65% of its assets as net cash, top 2% of its family; cash from operations less capital spending is 19.5% of revenue (top 26%); a gross margin of 40.8% (bottom 47%) (its annual report).

What it rests on

cash less debt against assets65.0%top 2% of its family
cash from operations less capital spending against revenue19.5%top 26% of its family
gross margin40.8%bottom 47% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed

5.0/10

What could actually drive growth from here?

top 50% of 99 in its family for growth drivers.

weight 45% of this tense · 50th percentile among 99 sector filers · read for its customers

From the record

Currenc Group Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew -15.7% a year over the last three filed years against -15.7% over all 3, speeding up (top 32% of its family); the newest year grew -18.6% (bottom 8%); capital spending grew 28.1% a year (top 24%) (its annual reports). Currenc Group Inc. reported 4 lines of business in fiscal 2025: Fiat Remittance Service at $22 million (57%), Sales of Airtime at $16 million (41%), ODL Remittance Service at $431 thousand (1%), and 1 more; 1 of 4 grew against the year before (its annual report).

What it rests on

three-year growth against the whole span+0.0 points a yeartop 32% of its family
the newest year's revenue growth-18.6%bottom 8% of its family
three-year growth of capital spending28.1%top 24% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

SI estimate

5.2/10

Did its newest year beat what its own record pointed to?

SI estimate 5.2/10, confidence 20 of 100 (family median).

weight 22% of this tense · 50th percentile among 93 sector filers · read for its shareholders

SI estimate Inferred, not read as filed

Why it is an estimate: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 93 members with one.
What the record cannot read: The record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change.
How it was reasoned: family median, 93 readings behind it.
Confidence: 20 of 100
What would change it: Its next annual report on file with the inputs replaces this estimate with the filed reading.

From the record

SI estimate, not a filed reading: Currenc Group Inc.'s expectations vs reality is put at 5.2 of 10 with a confidence of 20 of 100, because the record does not carry four filed years of revenue and two of the three parts: revenue against the prior pace, earnings against the prior average, the margin change, so the desk assumes the typical reading of its industry family, the median of 93 members with one. Its next annual report on file with the inputs replaces this estimate with the filed reading.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton CURR · research, not advice