A multiple compares the market's price with a filed figure; it says what the market pays, not how the business is doing. The market capitalization is the vendor's as of Sep 11, 2026; every other figure is from the SEC filings on this page. Not financial advice.
Newest figures come from the 10-Q for Q2 FY2026, filed Sep 3, 2026. Each column of the statement tables below links to the filing it was taken from, and every filing is listed on the CUEN SEC filings page.
This page shows CUENTAS INC (CUEN) financial statements, including the income statement, balance sheet, cash flow statement, and key financial ratios. View 15 years of annual fundamentals and quarterly data, with year-over-year growth rates and compound annual growth rates (CAGR). All figures are derived from SEC filings (10-K and 10-Q reports).
The dominant mechanic is persistent operating cash use financed externally while asset coverage and equity deteriorate.
Net loss narrowed from-$3.31M in FY2024 to-$1.57M in FY2025, but reported earnings improvement did not carry through to cash. Operating cash flow moved from-$598K to-$1.37M , making cash conversion the more important signal than the smaller accounting loss.
In FY2025, liabilities were
Financing cash flow provided
Financial Health Signals
CUENTAS INC does not currently provide enough eligible data for a peer-relative financial health score, so none is published. The signals and metrics below are current.
CUENTAS INC passes 2 of 6 computable financial strength tests (3 of the nine could not be computed from available data). 2 of 4 profitability signals pass, no leverage/liquidity signals pass (rising debt, declining liquidity, or share dilution).
CUENTAS INC reported a net loss of $1.6M while operations used $1.4M of cash. With neither figure positive, the ratio between the two carries no quality signal.
CUENTAS INC reported an operating loss of $1.9M against $42K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations.
Key Financial Metrics
Earnings & Revenue
CUENTAS INC's EBITDA was -$739K in Q2 2026, measuring earnings before interest, taxes, depreciation, and amortization. Against the prior quarter it is down 179.9%.
CUENTAS INC reported -$888K in net income in Q2 2026. This represents a decrease of 334.9% from the same quarter a year earlier. Against the prior quarter it is down 78.7%.
CUENTAS INC earned -$0.11 per diluted share (EPS) in Q2 2026. Against the prior quarter it is down 22.2%.
Not reported for Q2 2026.
Cash & Balance Sheet
CUENTAS INC held $1K in cash as of Q2 2026; long-term debt is not reported for that period.
Not reported for Q2 2026.
Not reported for Q2 2026.
Margins & Returns
None of these metrics is reported for Q2 2026.
Capital Allocation
None of these metrics is reported for Q2 2026.
CUEN Income Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $4K-99.6% |
| Cost of Revenue | N/A | N/A | N/A | N/A | N/A | N/A | N/A | $11K-98.9% |
| Gross Profit | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -$7K+90.8% |
| SG&A Expenses | $803K+150.9% | $333K+17.7% | N/A | $296K-1.0% | $320K-32.1% | $283K-63.3% | N/A | $299K-72.7% |
| Operating Income | -$803K-150.9% | -$333K-17.7% | N/A | -$296K+3.3% | -$320K+35.5% | -$283K+66.4% | N/A | -$306K+74.1% |
| EBITDA | -$739K | -$264K | N/A | N/A | N/A | N/A | N/A | -$306K+74.0% |
| Interest Expense | $3K-50.0% | $28K-75.9% | N/A | N/A | $6K-77.8% | $116K+2220.0% | N/A | $57K+1800.0% |
| Net Income | -$888K-334.9% | -$497K-24.6% | N/A | -$296K+25.8% | $378K+118.2% | -$399K+10.3% | N/A | -$399K+66.4% |
| EPS (Basic) | -$0.11-178.6% | -$0.09+40.0% | -$0.41-70.8% | -$0.11+15.4% | $0.14+120.0% | -$0.150.0% | -$0.24-121.1% | -$0.13+75.5% |
| EPS (Diluted) | -$0.11 | -$0.09 | -$0.41 | -$0.11+15.4% | $0.14+120.0% | -$0.150.0% | -$0.24-121.1% | -$0.13+75.5% |
| Diluted Shares (Avg) | 8M | 6M | N/A | 3M-8.5% | 3M-8.5% | 3M+7.4% | N/A | 3M+33.4% |
Not reported in any period shown, so not listed: R&D Expenses, Income Tax.
CUEN Balance Sheet
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Total Assets | $272K-2.9% | $884K-19.3% | $962K-13.4% | $271K-77.5% | $280K-79.0% | $1.1M-68.2% | $1.1M-76.5% | $1.2M-77.1% |
| Current Assets | $272K-2.9% | $832K-24.1% | $841K-24.3% | $271K-77.4% | $280K-78.8% | $1.1M+122.8% | $1.1M-36.9% | $1.2M-43.1% |
| Cash & Equivalents | $1K0.0% | $72K | $57K+280.0% | N/A | $1K-98.2% | N/A | $15K-92.7% | $15K-98.6% |
| Short-Term Investments | $0 | $0 | $0 | N/A | $0 | N/A | $0 | $0 |
| Long-Term Investments | $0 | $0 | $0 | N/A | $0 | N/A | $0 | $0 |
| Total Liabilities | $4.6M+33.5% | $4.3M-7.2% | $4.9M+14.7% | $3.7M-7.3% | $3.4M-8.6% | $4.6M+20.9% | $4.3M-10.6% | $4.0M+22.1% |
| Current Liabilities | $4.6M+33.1% | $4.3M-7.2% | $4.9M+14.7% | $3.7M-4.8% | $3.4M-6.1% | $4.6M+24.2% | $4.3M-8.7% | $3.9M+22.3% |
| Non-Current Liabilities | $12K | $0 | $0 | $0-100.0% | $0-100.0% | $0-100.0% | $0-100.0% | $102K+14.6% |
| Total Equity | -$4.3M-36.7% | -$3.4M+3.5% | -$3.9M-24.5% | -$3.4M-23.1% | -$3.2M-30.0% | -$3.6M-799.0% | -$3.2M-4428.6% | -$2.8M-239.5% |
| Retained Earnings | -$61.2M-5.0% | -$60.3M-2.8% | -$59.8M-2.7% | -$58.6M-1.2% | -$58.3M-1.4% | -$58.7M-5.9% | -$58.3M-6.0% | -$57.9M-1.4% |
Not reported in any period shown, so not listed: Inventory, Accounts Receivable, Goodwill, Long-Term Debt.
CUEN Cash Flow Statement
Figures in USD, abbreviated K (thousand), M (million), B (billion), T (trillion). Negative values carry a minus sign and red type. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Operating Cash Flow | -$86K+91.0% | -$190K-1166.7% | -$404K | -$1K+98.6% | -$951K-352.9% | -$15K+95.2% | N/A | -$72K+91.5% |
| Depreciation & Amortization | $64K | $69K | N/A | N/A | N/A | N/A | N/A | $0-100.0% |
| Stock-Based Compensation | N/A | $43K+138.9% | N/A | N/A | N/A | $18K-85.0% | N/A | N/A |
| Investing Cash Flow | N/A | N/A | $0 | $0-100.0% | N/A | N/A | N/A | $31K+138.3% |
| Financing Cash Flow | $15K | $205K | $461K | $0 | N/A | N/A | N/A | $0-100.0% |
Not reported in any period shown, so not listed: Capital Expenditures, Free Cash Flow, Dividends Paid, Share Buybacks.
CUEN Financial Ratios
Margins and returns are percentages; the remaining ratios are unitless multiples. Each change compares the year with the year before it, and each quarter with the same quarter a year earlier.
| Metric | Q2'2610-Q | Q1'2610-Q | Q4'2510-Q | Q3'2510-Q | Q2'2510-Q | Q1'2510-Q | Q4'2410-K | Q3'2410-Q |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -175.0% |
| Operating Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -7650.0% |
| Net Margin | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -9975.0% |
| Return on Assets | -326.5%-461.5pp | -56.2%-19.8pp | N/A | -109.2%-76.2pp | 135.0%+290.6pp | -36.4%-23.5pp | N/A | -33.1%-10.6pp |
| Current Ratio | 0.060.0x | 0.190.0x | 0.17-0.1x | 0.07-0.2x | 0.08-0.3x | 0.24+0.1x | 0.26-0.1x | 0.31-0.4x |
| Asset Turnover | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00-0.2x |
Not reported in any period shown, so not listed: Return on Equity, Debt-to-Equity, FCF Margin.
Reported as filed but not readable as a share of revenue in the periods where the ratio runs further from zero than a revenue base allows; no change figure is given where either compared period is one of those: Gross Margin, Operating Margin, Net Margin.
Note: Shareholder equity is negative (-$3.9M), which causes debt-to-equity and return on equity ratios to appear negative or not meaningful. This can occur from accumulated losses or large share buyback programs.
Note: The current ratio is below 1.0 (0.17), indicating current liabilities exceed current assets, which may suggest potential short-term liquidity concerns.
Similar Companies
Newest fiscal year on record for each company. The health score is the peer-relative Financial Health Score for that year; a dash means no score is published for it.
| Company | Fiscal year | Revenue | Net income | Net margin | Market cap | Health score |
|---|---|---|---|---|---|---|
| CUENTAS INC CUEN | FY2025 | N/A | -$1.6M | N/A | $3.2M | — |
| I-ON DIGITAL CORP IONI | FY2025 | $433K | -$2.9M | N/A | $3.8M | — |
| SPARTA COMML SVCS INC SRCO | FY2026 | $345K | N/A | N/A | $4.1M | — |
| KUBIENT INC KBNT | FY2022 | $2.4M | -$13.6M | N/A | $1K | — |
| MOATABLE INC SP/ADR MTBLY | FY2024 | $63.5M | -$2.1M | -3.4% | $9.8M | — |
Where CUENTAS INC Ranks
Frequently Asked Questions
Is CUENTAS INC profitable?
No, CUENTAS INC (CUEN) reported a net income of -$1.6M in fiscal year 2025.
What is CUENTAS INC's operating cash flow?
CUENTAS INC (CUEN) recorded an outflow of $1.4M in operating cash flow during fiscal year 2025, representing cash used by core business activities.
What are CUENTAS INC's total assets?
CUENTAS INC (CUEN) had $962K in total assets as of fiscal year 2025, including both current and long-term assets.
What is CUENTAS INC's current ratio?
CUENTAS INC (CUEN) had a current ratio of 0.17 as of fiscal year 2025, which is below 1.0, which may suggest potential liquidity concerns.
What is CUENTAS INC's return on assets (ROA)?
CUENTAS INC (CUEN) had a return on assets of -163.3% for fiscal year 2025, measuring how efficiently the company uses its assets to generate profit.
What is CUENTAS INC's P/E ratio?
CUENTAS INC (CUEN) has no price-to-earnings ratio at the moment: net loss, so no earnings multiple (FY2025). The market capitalization is $3.2M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
What is CUENTAS INC's price-to-sales ratio?
CUENTAS INC (CUEN) has no price-to-sales ratio at the moment: no revenue reported. The market capitalization is $3.2M as of Sep 11, 2026; a multiple compares that price with a filed figure and says nothing about the quality of the business.
How does CUENTAS INC's liquidity compare with its operating cash outflow?
At the end of fiscal year 2025, CUENTAS INC (CUEN) held $57K in cash, cash equivalents and investments, and reported an operating cash outflow of $1.4M over that year. Dividing the one by the other, the reported balance equals about 0 months of the outflow reported that year. This is arithmetic over figures already filed, not a projection: it assumes nothing about future spending, financing or operations.
Why is CUENTAS INC's debt-to-equity ratio negative or not reported?
CUENTAS INC (CUEN) has negative shareholder equity of -$3.9M as of fiscal year 2025, so no debt-to-equity ratio is reported: dividing debt by equity that is not positive produces a number that cannot be read as leverage. This can occur when accumulated losses exceed invested capital, or after large share buyback programs. Other solvency metrics like the current ratio or interest coverage may be more informative.
What is CUENTAS INC's Piotroski F-Score?
CUENTAS INC (CUEN) has a Piotroski F-Score of 2 out of 6 computable signals; 3 of the nine could not be computed from available data, so the full-scale strength rating is not shown. The F-Score evaluates nine binary signals across profitability (positive ROA, positive cash flow, improving ROA, earnings quality), leverage (decreasing debt, improving liquidity, no share dilution), and operating efficiency (improving gross margin, improving asset turnover). Scores of 7 to 9 indicate strong and improving fundamentals. Learn more in our complete guide to financial health indicators.
Are CUENTAS INC's earnings high quality?
CUENTAS INC (CUEN) reported a net loss of $1.6M while operations used $1.4M of cash. With neither figure positive, the ratio between the two carries no quality signal. This ratio compares operating cash flow to net income. A ratio above 1.0x means the company generates more cash than its reported earnings, indicating sustainable, cash-backed profits. Ratios below 1.0x suggest earnings rely on accounting accruals rather than actual cash generation. Learn more in our complete guide to financial health indicators.
Can CUENTAS INC cover its interest payments?
CUENTAS INC (CUEN) reported an operating loss of $1.9M against $42K in interest expense. There is no operating profit to cover interest, so interest must be met from cash reserves or from financing rather than from operations. This ratio divides operating income by interest expense. Ratios above 5x indicate strong debt-servicing ability, while ratios below 2x suggest the company may face difficulty meeting interest payments if earnings decline. Learn more in our complete guide to financial health indicators.