Cuentas Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Cuentas Inc (CUEN) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Cuentas Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 1M vs 618,787M combined for tracked competitors (0.0% combined share).
- Peer differentiation: Revenue per employee of $0.14M compares with $2.17M for the peer group (0.1x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
Cuentas Inc vs. its Competitors, Q2 2026
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Cuentas Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Cuentas Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (10) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Cuentas Inc's competitor groups requires a Commercial License.
Cuentas Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Cuentas Inc | - | - | - | Yes |
| Competitors combined (5) | ||||
| High-Confidence Competitors (13) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
CUEN Stock Performance relative to its Competitors
CUEN Stock Performance relative to High-Confidence Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Apple Inc | 282.9% | Outperformed |
| 2 | Idt Corp | 282.9% | Outperformed |
| 3 | Mastercard Incorporated | 282.9% | Outperformed |
| 4 | American Express Company | 282.9% | Outperformed |
| 5 | Green Dot Corp | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Cuentas Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Cuentas Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Cuentas Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Cuentas Inc | 4.25 | 0.71 |
| Apple Inc | 4,979,446.36 | 466,823.00 |
| Mastercard Incorporated | 501,773.58 | 35,083.00 |
| American Express Company | 207,998.07 | 114,611.00 |
| Idt Corp | 1,733.09 | 1,275.37 |
| Green Dot Corp | 698.78 | 2,269.57 |
| SUBTOTAL | 5,691,654.12 | 620,062.65 |
Sources: Cuentas Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Cuentas Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Cuentas Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| First Data | Named by the company | 85% |
| MasterCard RePower | Named by the company | 85% |
| Apple Pay | Named by the company | 85% |
| Green Dot | Named by the company | 85% |
| American Express | Named by the company | 85% |
| Amex Serve | Named by the company | 85% |
| NetSpend | Named by the company | 85% |
| Skype | Named by the company | 85% |
| Total Systems Services | Named by the company | 85% |
| Named by the company | 85% | |
| Akimbo Prepaid | Named by the company | 85% |
| Blackhawk | Named by the company | 85% |
| IDT | Named by the company | 85% |
| Money Network | Named by the company | 85% |
| Prepaid MasterCard | Named by the company | 85% |
| StraightTalk | Named by the company | 85% |
| Virgin Mobile | Named by the company | 85% |
| MetroPCS | Named by the company | 85% |
| Netspend Prepaid | Named by the company | 85% |
| Sprint | Named by the company | 85% |
| TracFone | Named by the company | 85% |
| Boost | Named by the company | 85% |
| J.P. Morgan Chase | Named by the company | 85% |
| Net 10 | Named by the company | 85% |
| Simple Mobile | Named by the company | 85% |
| Telcel | Named by the company | 85% |
| Walmart Money card | Named by the company | 85% |
| AT&T | Named by the company | 85% |
| H&R Block Emerald | Named by the company | 85% |
| Momentum | Named by the company | 85% |
| PayPal | Named by the company | 85% |
| Starbucks Rewards | Named by the company | 85% |
| Viber | Named by the company | 85% |
| Exp Oldco Winddown Inc | Named by the company | 85% |
| Idt Corp | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Cuentas Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Cuentas Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Apple Inc | Americas 41.84 % |
| Mastercard Incorporated | Payment Solutions 100.00 % |
| Idt Corp | Traditional Communications 67.42 % |
| Green Dot Corp | B2B Services 75.26 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Cuentas Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Cuentas Inc | 4 | 142,400 | -452,200 |
| Apple Inc | 4,979,446 | 2,812,187 | 776,687 |
| Mastercard Incorporated | 501,774 | 881,482 | 408,467 |
| American Express Company | 207,998 | 1,492,331 | 149,023 |
| Idt Corp | 1,733 | 662,528 | 45,791 |
| Green Dot Corp | 699 | 2,521,746 | -28,831 |
| PEERS TOTAL | 5,691,650 | 2,172,416 | 548,986 |
Cuentas Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Mastercard Incorporated | International Markets 57.56 % |
| Idt Corp | US 77.85 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Cuentas Inc's Position in Industry Market Structure
Market-capitalization share and concentration across all 26 companies in Cuentas Inc's industry classification, broader than the peer set above. Market cap in millions of $.Cuentas Inc ranks #0 of 26 companies by market capitalization in its industry, holding 0.00 % of total industry market cap. The industry's Herfindahl-Hirschman Index (HHI) is 3,598, indicating a highly concentrated market structure (U.S. antitrust guidance: below 1,500 unconcentrated, 1,500 to 2,500 moderately concentrated, above 2,500 highly concentrated).
| Rank | Company | Market Cap | Industry Share |
|---|---|---|---|
| 1 | Walmart Inc | 867,448 | 53.85 % |
| 2 | Costco Wholesale Corp | 410,173 | 25.46 % |
| 3 | Target Corporation | 72,212 | 4.48 % |
| 4 | W w Grainger Inc | 59,269 | 3.68 % |
| 5 | Sysco Corporation | 1,234 | 5.2% |
| 6 | Dollar General Corp | 1,234 | 5.2% |
| 7 | Dollar Tree Inc | 1,234 | 5.2% |
| 8 | Us Foods Holding Corp | 1,234 | 5.2% |
| 9 | Best Buy Co Inc | 1,234 | 5.2% |
| 10 | Five Below Inc | 1,234 | 5.2% |
| 0 | Cuentas Inc | 3 | 0.00 % |
Market cap and industry share for the rest of Cuentas Inc's industry peers requires a Commercial License.
Source: CSIMarket API (daily market-structure computation) across CSIMarket's industry classification, market capitalization as of 2026-09-28.
Cuentas Inc's Valuation vs Competitive Position
Valuation multiples vs the Wholesale industry average (43 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns. See the full Wholesale industry valuation benchmarks.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 23.3x | - |
| EV / EBITDA | - | 12.7x | - |
| P/B | -0.7x | 4.2x | -4.9x |
| Return on Equity | 60.94 % | industry aggregate | 28.61 % |
| Return on Invested Capital | 34.68 % | 1.47 % (avg) | 33.21 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Cuentas Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2024 | 2025 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | - | - | -95.16 % | -42.30 % | 6.27 % | 404.89 % | -71.18 % | - |
| Operating Margin | - | -0.65 % | -221.92 % | -1,394.09 % | -1,798.48 % | -479.46 % | -294.82 % | - |
| Return on Invested Capital | - | 1.60 % | 64.05 % | -105.82 % | -51.78 % | -201.30 % | 47.86 % | 29.77 % |
| P/E | - | - | - | - | - | - | - | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Cuentas Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Competitive Rivalry | Low | Industry HHI of 3,598 (see Industry Market Structure & Concentration above) |
| Supplier Power | Not covered on this page | See Cuentas Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Cuentas Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Cuentas Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Return on equity 28.6 points above the industry aggregate.
Weaknesses
- Piotroski F-Score of 2 or below, the standard financial-distress signal.
Opportunities
No rule matched.
Threats
- Industry dominated by Walmart Inc , holding 53.85 % of industry market cap.
- Tracked peer group's revenue run-rate is broadly decelerating (-10.2% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Cuentas Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Cuentas Inc | 0.01 | 0.13 | - |
| Apple Inc | 0.26 | 0.96 | 0.99 |
| Mastercard Incorporated | 0.46 | 1.05 | 2.91 |
| American Express Company | 0.08 | 0.60 | 1.76 |
| Idt Corp | 1.12 | 1.82 | - |
| Green Dot Corp | 0.29 | 0.51 | 0.07 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Cuentas Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Cuentas Inc | Q2 2026 | - | - |
| Apple Inc | Q2 2026 | +16.4 % | +27.1 % |
| Mastercard Incorporated | Q2 2026 | +14.1 % | +18.6 % |
| American Express Company | Q2 2026 | -34.8 % | +7.8 % |
| Idt Corp | Q1 2026 | +4.5 % | +3.4 % |
| Green Dot Corp | Q2 2026 | +18.2 % | - |
| PEERS TOTAL | +4.6 % | +24.4 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Cuentas Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Cuentas Inc | Q2 2026 | - | - |
| Apple Inc | Q2 2026 | +8.6 % | -29.1 % |
| Mastercard Incorporated | Q2 2026 | - | +128.7 % |
| American Express Company | Q2 2026 | -22.8 % | +45.1 % |
| Idt Corp | Q1 2026 | +1.6 % | - |
| Green Dot Corp | Q2 2026 | - | +1.8 % |
Cuentas Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Cuentas Inc | - | - | - |
| Apple Inc | 35.02% | 60.14% | 142.67% |
| Mastercard Incorporated | 29.89% | 51.37% | 232.26% |
| American Express Company | 3.77% | 5.24% | 34.12% |
| Idt Corp | 13.53% | 25.08% | 26.11% |
| Green Dot Corp | - | - | - |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Cuentas Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Cuentas Inc | - | 5.96 |
| Apple Inc | 38.90 | 10.67 |
| Mastercard Incorporated | 31.25 | 14.30 |
| American Express Company | 18.63 | 1.81 |
| Idt Corp | 21.28 | 1.36 |
| Green Dot Corp | - | 0.31 |
| PEERS AVERAGE | 36.32 | 9.18 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.