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Research & education only — not financial advice.TENK is not a registered investment adviser; calls are impersonal, generated from SEC filings and a delayed/third-party price feed, and may be wrong or out of date. The operator and an affiliated trading operation may hold or trade the securities TENK rates — see Disclosures. Do your own research.

EDGAR® is a registered trademark of the U.S. Securities and Exchange Commission. TENK/calls is an independent service and is not affiliated with, endorsed by, or approved by the U.S. Securities and Exchange Commission.

TTENK/calls
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Home›Stocks›CUEN
CUEN logo

CUEN

Cuentas Inc.

Next earnings ≈ Sep 7, 2026 · est. from filing cadence

Avoid
$0.44
▲ +55.39%
$0.44▲ +12331.43%
over 1Y
L $0.00H $0.44
Earnings Dividend Split Congress buy Congress sellGrouped by date · hover a pin to expand
Today+55.4%
1W+31.9%
1M+50.1%
3M+90.7%
YTD+147.2%
1Y—
OverviewFinancialsValuationQualityTimelineFilings
Rating
Avoid
Quality
D
Valuation
Fair value
Filings
Flagged
Avoid
Conviction
Horizon
Medium (3–12mo)

High return on equity (39.8%); but revenue fell -71.2% YoY.

Revenue (FY2024) $676K · FY2024

Cuentas Inc. shows $676K in FY2024 revenue (-71.2% YoY), a -232.4% net margin, and 39.8% ROE.

Supporting the case: high return on equity (39.8%); conservative balance sheet (liabilities/equity -1.24x).

Is CUEN a buy? The one-page verdict, explained →

The options angle

model · matches our verdict
Bear put spread (caution)~60d expiry
  • Long put 0.5 @ ~0.15 est
  • Short put 0.5 @ ~0.15 est
debit $0max +$0max $0

AVOID means we wouldn't engage at all — if expressing the short side anyway, only with capped risk.

Open in the calculator →

Educational template, not a trade recommendation. Strikes and premiums are Black-Scholes model estimates from the last close and 30-day realized volatility — real chains, spreads and IV will differ. Options involve substantial risk.

Financials · annual, by fiscal year

Line itemFY21FY22FY23FY24FY25
Revenue$593K$2.99M$2.35M$676K—
Gross profit$124K$486K-$387K-$75.0K—
Operating income-$10.7M-$14.4M-$6.41M-$1.99M-$1.89M
Net income-$10.7M-$14.5M-$2.20M-$3.31M-$1.57M
Diluted EPS-$9.32-$11.81-$0.95-$1.22-$0.53
Net margin-1809.1%-485.3%-93.6%-489.5%—

10-year statements — income, cash flow, balance sheet & CSV export →

Annual figures from SEC 10-K XBRL filings. Open the filing links below for full statement detail.

Key statistics

Valuation

Enterprise value$3.73M
EV / EBITDA—
EV / Sales5.5
EV / FCF—
P / FCF—
PEG (trailing)—
Earnings yield-43.9%
FCF yield-38.6%

Quality & risk

ROIC (est.)—
Free cash flow-$1.38M
Total debt$204K
Net cash-$147K
Altman Z-Score-97.50 distress
Piotroski F-Score3/8

Capital returns

Buyback yield0.1%
Dividend yield (est.)—
Shareholder yield0.1%
Shares Δ YoY+255.7%

Computed from SEC XBRL annual figures + the current quote. EV and ROIC use long-term + current debt where filed; estimates, not investment advice.

Disclosure timeline

SEC · 8-Ks + reports
Red flag in recent filings — late filing notice (2026-05-18). Worth a closer look.
  1. 8-K Material agreement2026-06-30
  2. 8-K Officer / director change2026-06-12
  3. 10-Q Quarterly report2026-06-08
  4. NT 10-Q Late filing notice2026-05-18
  5. 10-K Annual report2026-04-23
  6. NT 10-K Late filing notice2026-04-01
  7. 8-K Material agreement2026-03-05
  8. 8-K Material agreement2026-02-04
  9. 8-K Material agreement2026-01-12

Recent filings

all on EDGAR ↗
4Period ending 2026-06-182026-07-01open ↗4Period ending 2026-06-182026-07-01open ↗4Period ending 2026-06-182026-07-01open ↗4Period ending 2026-06-302026-06-30open ↗8-KPeriod ending 2026-06-292026-06-30open ↗4Period ending 2026-06-222026-06-23open ↗4Period ending 2026-06-182026-06-18open ↗4Period ending 2026-06-122026-06-16open ↗8-KPeriod ending 2026-06-082026-06-12open ↗4Period ending 2026-06-082026-06-09open ↗10-QPeriod ending 2026-03-312026-06-08open ↗NT 10-QPeriod ending 2026-03-312026-05-18open ↗

Quality score

D
ValueGrowthProfitHealthMom.
ValueC
GrowthC
ProfitabilityF
Financial healthF
MomentumA+
  • ✗Revenue growing year-over-year
  • ✗Profitable (positive net income)
  • ✗Net margin above 10%
  • ✓Liabilities below 2× equity
0.0052-week0.43
Revenue
$676K
-71.2% YoY
Net margin
-232.4%
ROE
—
P/E
—

SEC fundamentals · FY 2025

'21'22'23'24'25

■ revenue · ■ net income, by fiscal year

Revenue$676K-71.2%
Net income-$1.57M+52.5%
Gross profit-$75.0K+80.6%
Operating income-$1.89M+5.0%
Diluted EPS-$0.53+56.6%
Cash & equivalents$57.0K+280.0%
Total assets$962K-13.4%
Total liabilities$4.91M+14.7%
Stockholders' equity-$3.95M-24.5%
Gross: -11.1%Op.: -280.2%L/E: -1.24x

Frequently asked

Is Cuentas Inc. (CUEN) a buy?
CUEN currently carries a Avoid rating with 3/5 conviction, derived from its latest SEC filings. High return on equity (39.8%); but revenue fell -71.2% YoY.
What is Cuentas Inc.'s quality score?
CUEN scores 45.8/100 (grade D) on a SEC-grounded quality model spanning value, growth, profitability, financial health and momentum.

Sources: SEC EDGAR (CIK 0001424657, latest 10-Q filed 2026-06-08) · EODHD · as of 6/18/2026, 12:39:42 PM.

›About this recommendation — produced by TENK/calls (tenkcalls.com), Luxembourg · not investment advice

Rule-based analysis, generated automatically from SEC filing data.

Investment recommendation produced by TENK/calls (tenkcalls.com), Luxembourg. Completed Jun 18, 2026, 8:39 AM ET. Ratings & methodology: definitions · All recommendations to date: track record · Conflicts: disclosures. Not investment advice.

Research and education only — not financial advice. TENKis not a registered investment adviser or broker-dealer and gives no personalized advice. Every call is impersonal — identical for all users, generated on a schedule from SEC filings plus a delayed/third-party price feed — may be wrong or out of date, and is not a recommendation to buy or sell any security. The operator and an affiliated trading operation may hold or trade the securities TENK rates; see Disclosures. Past performance does not guarantee future results. Do your own research.

Insider activity

Form 4 · SEC

Last 90 days: 84 open-market buys · 1 sale

2026-06-30
Maimon Shalom Arik
CEO
Buy100.00 @ $0.36$36.00
2026-06-30
Maimon Shalom Arik
CEO
Buy1.00K @ $0.35$350.00
2026-06-30
Maimon Shalom Arik
CEO
Buy5.00K @ $0.35$1.75K
2026-06-30
OAS ENERGY LLC
Insider
Buy1.00K @ $0.35$347.60
2026-06-30
OAS ENERGY LLC
Insider
Buy900.00 @ $0.34$306.00
2026-06-30
OAS ENERGY LLC
Insider
Buy2.50K @ $0.36$898.75
2026-06-30
OAS ENERGY LLC
Insider
Buy600.00 @ $0.35$210.48
2026-06-30
OAS ENERGY LLC
Insider
Buy1.70K @ $0.33$554.54
2026-06-25
Maimon Shalom Arik
CEO
Buy200.00 @ $0.33$66.00
2026-06-25
Maimon Shalom Arik
CEO
Buy200.00 @ $0.33$66.00
2026-06-25
Maimon Shalom Arik
CEO
Buy100.00 @ $0.33$33.00
2026-06-24
Maimon Shalom Arik
CEO
Buy100.00 @ $0.35$35.00

Vs tracked universe

compare →

1195 tracked peers · median

TENK Score46 vs 67
Revenue growth-71.2% vs 7.5%
Net margin-232.4% vs 10.0%
Return on equity— vs 12.0%
P/E— vs 26.2