Stock Ratings / Consumer Discretionary / CURR / dividends

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Currenc Group Inc. (CURR) Dividend Safety Gauge & 10-Year DRIP Compounder

Q: Is CURR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Currenc Group Inc. (NASDAQ: CURR) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $2.24 (-1.10% 1D, market cap $251.5M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 5/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 7/20. Across 1011 tracked Consumer Discretionary issuers, CURR ranks #792 in composite RQD confidence.

Q: How does CURR compare to AMWL and ALIT in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), CURR carries a Roarable D- (42/100 RQD), trailing P/E of N/A, gross margin of 40.8%, and ROIC of -35.0%. By comparison, AMWL (American Well Corporation (Class A)) holds a D- grade (39/100 RQD, P/E N/A, ROIC -35.0%, cap $254.8M) and ALIT (Alight Inc. (Class A)) posts a D- grade (36/100 RQD, P/E N/A, ROIC -35.0%, cap $247.0M). Among the 5-stock peer group, IMXI leads on earnings multiple (7.9x) while IMXI leads on capital efficiency (23.5% ROIC).

Q: What are the biggest fundamental strengths and SEC risk factors for CURR?

Per CURR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001862935), Currenc Group Inc. generated $37.8M in revenue (-18.6% YoY), -$18.4M in net income, and $7.4M in free cash flow against $114.1M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Q: Where is CURR trading relative to its 50-day, 200-day, and 52-week technical levels?

CURR last traded at $2.24 (-1.10% on volume of 814,209 shares), positioning the stock -25.58% below its 50-day simple moving average ($3.01) and -21.95% below its 200-day simple moving average ($2.87). Across its 52-week range of $1.31 to $5.08, CURR sits at the 24.7% percentile with a 14-day RSI of 32.0 (OVERSOLD (<32)) and an implied next-earnings move of ±12.5% ($1.96 to $2.52).

Q: Does CURR pay a dividend and is it safe?

Currenc Group Inc. (CURR) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

$2.24 -1.10% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $2.23

Currenc Group Inc. (CURR) carries a Roarable Rating of D- (Sell) with 42/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (42/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • SELL / AVOID Cap $251.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $2.23 (-0.39%)🧬 Disciplined Float (+0.16% YoY Shares)⚙️ Cash Engine: 8/20 (D-) • 19.5% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (42/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.0% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSELL / AVOID • D-

3-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-7.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for CURR)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (42/100 Composite)

🔍 WHY CURR SCORES 42/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Macro Regime Fit+13/20 pts (31% of score)

FRED Regime × Technicals: 25% of 52W Range • RSI-14 at 32 (OVERSOLD (<32))

▲ #2 Bullish Driver: Whale & Options Positioning+9/20 pts (21% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: SEC 10-K Forensic Risk5/20 pts (-15 pt drag)

Balance-sheet & 10-K footnote risk deducts 15 pts from forensic ceiling

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$2.72-2.9% Next Q

Q2 (-2Q)

Grade D$2.64-16.3% Next Q

Q3 (-1Q)

Grade D$2.21+1.4% Next Q

Current

Grade D-$2.24-7% Hist 90D α

Trajectory: C- (50) → D- (42)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a CURR Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While CURR currently carries a cautious 42/100 (D-) rating due to SEC 10-K Forensic Risk (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Consumer Discretionary with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($3.01) and Max Pain ($2.35) forces dealer call-delta covering toward $5.33.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.16% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $CURR• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “CURR Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 42%NO 58%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (5.5% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $17,081

Est. Year-10 Shareholder Yield: $307/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$10.6K

Yr 1

$11.1K

Yr 2

$11.7K

Yr 3

$12.4K

Yr 4

$13.1K

Yr 5

$13.8K

Yr 6

$14.5K

Yr 7

$15.3K

Yr 8

$16.2K

Yr 9

$17.1K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring CURR)

✓Walkthrough of CURR's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

CURR // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -37.08%▼ SUPPORT BREAKDOWN

2026-10-30O $2.18H $2.27L $2.07C $2.24VOL 444.0K

RES: $5.91SUP: $2.49SMA50: $3.01SMA200: $2.87

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

CURR Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 CURR Butterfly Map → + Track CURR →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. -18.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on CURR today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for CURR. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for CURR today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (CURR)

Consumer Discretionary Rank #792 of 1011 ⚔️ AMWL vs CURR Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (CURR vs. AMWL, ALIT, IMXI, CNDT)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Currenc Group Inc. (CURR) ranks #792 by composite RQD confidence (42/100, grade D-) and #667 by equity capitalization ($251.5M). Within this direct 5-issuer industry benchmark cohort, IMXI leads on earnings valuation at 7.9x trailing P/E, while IMXI leads on capital efficiency and profitability with 23.5% ROIC and — gross margin. IMXI currently holds the highest overall quantitative score in the immediate peer group at 70/100 (B-) compared with CURR at 42/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
CURR ACTIVE Currenc Group Inc.	D-	42/100	—	40.8%	-35.0%	-1.10%	$251.5M	Benchmark Subject
AMWL American Well Corporation (Class A)	D-	39/100	—	—	-35.0%	+6.09%	$254.8M	/amwl-vs-curr →
ALIT Alight Inc. (Class A)	D-	36/100	—	33.8%	-35.0%	+1.44%	$247.0M	/alit-vs-curr →
IMXI International Money Express Inc.	B-	70/100	7.9x	—	23.5%	-1.94%	$259.5M	/imxi-vs-curr →
CNDT Conduent Incorporated	E	29/100	—	18.1%	-24.8%	-1.90%	$241.1M	/cndt-vs-curr →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001862935

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Currenc Group Inc. (CURR) reported GAAP revenue of $37.8M (-18.6% vs. FY2024 revenue of $46.4M , and -29.0% cumulative change since FY2023) , GAAP net income of -$18.4M, operating cash flow of $7.9M, and free cash flow of $7.4M (+157.0% YoY). On the balance sheet, CURR closed FY2025 with $114.1M in total assets against $0 in total debt (Altman Z-Score: 0.20, Piotroski F-Score: 6/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$37.8M	-$18.4M	$7.9M	$7.4M	$114.1M	—
FY2024 (FY)	2024-12-31	$46.4M	-$39.5M	$3.5M	$2.9M	$104.7M	—
FY2023 (FY)	2023-12-31	$53.3M	-$15.3M	-$15.3M	-$15.3M	—	—

3. CURR Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is CURR stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Currenc Group Inc. (NASDAQ: CURR) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 42/100 at a spot price of $2.24 (-1.10% 1D, market cap $251.5M). Pillar breakdown: Fundamental Cash Engine 8/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 5/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 7/20. Across 1011 tracked Consumer Discretionary issuers, CURR ranks #792 in composite RQD confidence.

How does CURR compare to AMWL and ALIT in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), CURR carries a Roarable D- (42/100 RQD), trailing P/E of N/A, gross margin of 40.8%, and ROIC of -35.0%. By comparison, AMWL (American Well Corporation (Class A)) holds a D- grade (39/100 RQD, P/E N/A, ROIC -35.0%, cap $254.8M) and ALIT (Alight Inc. (Class A)) posts a D- grade (36/100 RQD, P/E N/A, ROIC -35.0%, cap $247.0M). Among the 5-stock peer group, IMXI leads on earnings multiple (7.9x) while IMXI leads on capital efficiency (23.5% ROIC).

What are the biggest fundamental strengths and SEC risk factors for CURR?

Per CURR's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001862935), Currenc Group Inc. generated $37.8M in revenue (-18.6% YoY), -$18.4M in net income, and $7.4M in free cash flow against $114.1M in total assets and $0 in total debt. Key quantitative strengths: Established market leader in Consumer Discretionary with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is CURR trading relative to its 50-day, 200-day, and 52-week technical levels?

CURR last traded at $2.24 (-1.10% on volume of 814,209 shares), positioning the stock -25.58% below its 50-day simple moving average ($3.01) and -21.95% below its 200-day simple moving average ($2.87). Across its 52-week range of $1.31 to $5.08, CURR sits at the 24.7% percentile with a 14-day RSI of 32.0 (OVERSOLD (<32)) and an implied next-earnings move of ±12.5% ($1.96 to $2.52).

CURR Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does CURR pay a dividend and is it safe?

Currenc Group Inc. (CURR) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: CURR RQD Cockpit CURR 12M Forecast CURR Earnings & Move CURR Dividends & DRIP CURR Insiders & 13F CURR Whale Options CURR Profit Sankey CURR News & Why