Cuentas Inc. (CUEN) intrinsic value & 10-year financials
Cuentas Inc. (CUEN) has a Graham intrinsic value of $0.78 per share. At $0.52 on Oct 17, 2026, the stock trades 33% below that value.
- Graham intrinsic value
- $0.78
- Share price (Oct 17, 2026)
- $0.52
- Price vs Graham value
- 33% below
- Market cap
- $1.5M
- Revenue (FY2025)
- —
- Revenue growth (10-yr CAGR)
- -5.1%
- ROIC (10-yr avg)
- -458.2%
- Free cash flow (FY2025)
- —
CUEN 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | — | -$1.6M | -$0.53 | — | — | 44.1% |
| FY2024 | $676.0K | -$3.3M | -$1.22 | — | -294.8% | 123.0% |
| FY2023 | $2.3M | -$2.2M | -$0.82 | -$4.2M | -273.2% | 1614.4% |
| FY2022 | $3.0M | -$14.5M | -$11.81 | -$8.1M | -479.5% | -329.0% |
| FY2021 | $593.0K | -$10.7M | -$9.32 | — | -1798.5% | -205.5% |
| FY2020 | $558.0K | -$8.1M | — | — | -1394.1% | -228.7% |
| FY2019 | $967.0K | -$1.3M | — | — | -221.9% | -5879.5% |
| FY2018 | $74.7M | -$3.6M | — | -$526.0K | -7.0% | 115.5% |
| FY2017 | $53.8M | -$724.6K | — | -$314.6K | -2.9% | 17.3% |
| FY2016 | $1.0M | -$9.4M | — | — | -766.3% | 146.4% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
Cuentas Inc. revenue growth over the past decade is N/A; insufficient history prevents a reliable 10-year CAGR calculation.
Cuentas Inc. has earned high returns on invested capital, averaging 39.6% ROIC over the available history. High ROIC is consistent with a durable franchise, but it is not by itself proof of an economic moat.
Over the decade, Cuentas Inc. shows that management has aggressively returned capital to shareholders by retiring 99.4% of outstanding shares.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, Cuentas Inc. is modeled at -5.1% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $0.78 per share.