Xref (XF1.AX) Stock Price
Xref Price
Revenue has compounded at 49.7% per year over the past 19 years to 21.31 M AUD. Xref's net margin stands at -9.2%, down from 0.6% several years earlier. The stock trades about 8% above its 52-week low.
Xref stock price
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Stock Price
ⓘHow to Read This Chart
This chart tracks the historical stock price of Xref over time. You can switch between daily, weekly, and monthly views and select custom time ranges — from a single day to the full available history. Use the toggle to view price changes in absolute currency terms or as a percentage change relative to the starting date.
Total Return vs. Price Return
The "Total Return" toggle includes reinvested dividends on top of the pure price movement. This is critical because dividends can account for a significant portion of long-term returns. Historically, roughly 40 % of the S&P 500's total return has come from dividends. Always compare total return when evaluating a stock's real performance against a benchmark.
Intraday Price Data
When viewing a one-day time frame, the chart displays real-time intraday price movements. This is useful for observing how Xref stock reacts to market openings, earnings releases, or breaking news throughout the trading session.
What to Look For
Look for long-term trends (sustained upward or downward movements over months and years), support and resistance levels (price zones where the stock repeatedly bounces or reverses), and volatility (how much the price fluctuates day to day). Comparing Xref's price chart to a market index like the S&P 500 can reveal whether the stock is outperforming or underperforming the broader market.
| Date | Xref Price |
|---|---|
| 8/28/2026 | 0.06 AUD |
| 8/27/2026 | 0.06 AUD |
| 8/26/2026 | 0.06 AUD |
| 8/25/2026 | 0.06 AUD |
| 8/24/2026 | 0.07 AUD |
| 8/21/2026 | 0.07 AUD |
| 8/20/2026 | 0.07 AUD |
| 8/19/2026 | 0.07 AUD |
| 8/18/2026 | 0.07 AUD |
| 8/17/2026 | 0.07 AUD |
| 8/14/2026 | 0.06 AUD |
| 8/13/2026 | 0.05 AUD |
| 8/12/2026 | 0.05 AUD |
| 8/11/2026 | 0.05 AUD |
| 8/10/2026 | 0.05 AUD |
| 8/7/2026 | 0.05 AUD |
| 8/6/2026 | 0.05 AUD |
| 8/5/2026 | 0.05 AUD |
| 8/4/2026 | 0.05 AUD |
| 8/3/2026 | 0.05 AUD |
| 7/31/2026 | 0.05 AUD |
| 7/30/2026 | 0.05 AUD |
| 7/29/2026 | 0.06 AUD |
| 7/28/2026 | 0.06 AUD |
| 7/27/2026 | 0.06 AUD |
| 7/24/2026 | 0.06 AUD |
| 7/23/2026 | 0.06 AUD |
| 7/22/2026 | 0.06 AUD |
| 7/21/2026 | 0.06 AUD |
| 7/20/2026 | 0.06 AUD |
Xref Revenue, EBIT, Net Income
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Xref Income Statement, Balance Sheet, Cash Flow Statement
| REVENUEM AUD |
|---|
| REVENUE GROWTH% |
| GROSS MARGIN% |
| GROSS INCOMEM AUD |
| EBITM AUD |
| EBIT MARGIN% |
| NET INCOMEM AUD |
| NET INCOME GROWTH% |
| SHARESM |
| 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | 2026e | 2027e | 2028e | 2029e | 2030e | 2031e | 2032e | 2033e |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 4.00 | 8.00 | 8.00 | 12.00 | 18.00 | 20.00 | 19.00 | 21.00 | 2.00 | 4.00 | 8.00 | 2.00 | 9.00 | 12.00 | 14.00 | 14.00 |
| 100.00 | 100.00 | – | 50.00 | 50.00 | 11.11 | -5.00 | 10.53 | -90.48 | 100.00 | 100.00 | -75.00 | 350.00 | 33.33 | 16.67 | – |
| 475.00 | 237.50 | 237.50 | 158.33 | 77.78 | 85.00 | 89.47 | 90.48 | 90.48 | 90.48 | 90.48 | 90.48 | 90.48 | 90.48 | 90.48 | 90.48 |
| 19.00 | 19.00 | 19.00 | 19.00 | 14.00 | 17.00 | 17.00 | 19.00 | 1.81 | 3.62 | 7.24 | 1.81 | 8.14 | 10.86 | 12.67 | 12.67 |
| -10.00 | -8.00 | -10.00 | – | 1.00 | -2.00 | -4.00 | -2.00 | – | – | – | – | – | -1.00 | -1.00 | -1.00 |
| -250.00 | -100.00 | -125.00 | – | 5.56 | -10.00 | -21.05 | -9.52 | – | – | – | – | – | -8.33 | -7.14 | -7.14 |
| -8.00 | -8.00 | -10.00 | – | – | -3.00 | -5.00 | -1.00 | -9.00 | -9.00 | -7.00 | -10.00 | -3.00 | -1.00 | – | – |
| 33.33 | – | 25.00 | – | – | – | 66.67 | -80.00 | 800.00 | – | -22.22 | 42.86 | -70.00 | -66.67 | – | – |
| 139.52 | 160.33 | 172.87 | 202.92 | 202.80 | 186.10 | 186.88 | 196.32 | 196.32 | 196.32 | 196.32 | 196.32 | 196.32 | 196.32 | 196.32 | 196.32 |
Details
Income Statement Key Figures
ⓘRevenue and Revenue Growth
Revenue is the starting point of every income statement — it measures the total sales Xref generates from its core business. Revenue growth (expressed as year-over-year percentage change) is one of the most important indicators of business momentum. Sustained growth above 10 % annually is generally considered strong, while declining revenue is a serious warning sign that demands investigation.
Gross Margin
Gross margin = (Revenue − Cost of Goods Sold) ÷ Revenue. It reveals what percentage of each dollar of revenue Xref retains after direct production costs. High gross margins (above 50 %) are typical of asset-light businesses like software and brands, while capital-intensive industries like manufacturing often operate below 30 %. Compare Xref's gross margin to industry peers and track it over time to spot improving or deteriorating pricing power.
EBIT and EBIT Margin
EBIT measures operating profit — what remains after subtracting all operating expenses (including R&D, sales, and administrative costs) from gross profit. The EBIT margin shows this as a percentage of revenue. Because it excludes interest and taxes, EBIT allows fair comparisons between companies with different debt levels and tax jurisdictions. A rising EBIT margin indicates improving operational efficiency.
Net Income and Earnings Per Share (EPS)
Net income is the company's final profit after all expenses, interest, and taxes. Dividing net income by the number of shares outstanding gives you EPS — the single most influential metric in stock valuation. Consistent EPS growth is the primary driver of long-term stock price appreciation. Always check whether EPS growth comes from genuine profit improvement or from share buybacks reducing the share count.
Shares Outstanding
The total number of shares Xref has issued. A declining share count (through buybacks) boosts EPS and signals management confidence. A rising share count (through stock issuance) dilutes existing shareholders. Always monitor this number alongside EPS to get the full picture of per-share value creation.
Analyst Estimates
The projected figures represent consensus estimates from professional analysts. Compare these forecasts against Xref's historical growth rates to assess whether expectations are realistic. A company that consistently beats consensus estimates tends to see its stock price rewarded over time, while repeated misses erode investor confidence.
Xref stock margins
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Xref Stock Revenue, EBIT, Earnings per Share
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Xref business model & stock analysis
Xref SWOT Analysis
Strengths
Xref Ltd, a leading provider of reference check solutions, possesses several strengths that contribute to its success in the market. These strengths include:
- Innovative technology: Xref Ltd has developed a cutting-edge platform that revolutionizes the reference checking process, providing accuracy and efficiency.
- Strong reputation: Xref Ltd has built a credible and reliable brand image over the years by delivering high-quality services and establishing long-term relationships with clients.
- Global presence: With operations in multiple countries, Xref Ltd has a wide customer base and can tap into various markets, enhancing its growth opportunities.
- Skilled workforce: Xref Ltd employs a talented team of professionals who possess in-depth industry knowledge and expertise, enabling them to offer exceptional customer support.
Weaknesses
Despite its strengths, Xref Ltd also faces certain weaknesses that could pose challenges in the competitive landscape. These weaknesses include:
- Limited product diversification: Xref Ltd primarily focuses on reference check solutions, which could limit its revenue streams and leave it vulnerable to market fluctuations.
- Dependence on technology: As an technology-based company, Xref Ltd is highly dependent on its platforms and systems, making it susceptible to potential technical glitches and cyber threats.
- Reliance on key clients: Xref Ltd may face risks if it relies heavily on a few key clients for a significant portion of its revenue, as any loss of these clients could impact its financial stability.
Opportunities
Xref Ltd can leverage various opportunities in the market to further strengthen its position and drive growth. These opportunities include:
- Increasing demand: The growing demand for background screening and reference check services presents Xref Ltd with opportunities to expand its customer base and increase its market share.
- Technological advancements: Xref Ltd can capitalize on emerging technologies and incorporate them into its solutions, offering enhanced features and staying ahead of competitors.
- Geographic expansion: Xref Ltd can explore new markets and geographies, leveraging its global presence and establishing strategic partnerships to expand its reach.
Threats
Xref Ltd should also be aware of potential threats in the industry that could impact its operations and growth prospects. These threats include:
- Intense competition: The reference check market is highly competitive, with the presence of established players and new entrants, posing a threat to Xref Ltd's market share.
- Economic downturns: During economic downturns, businesses may reduce their hiring activity, which could result in reduced demand for reference check services.
- Regulatory changes: Xref Ltd must be vigilant of any changes in legal and regulatory frameworks related to background screening, as non-compliance could lead to penalties and reputational damage.
Xref Eulerpool Fair Value
Details
Fair Value Estimate
ⓘWhat Is Fair Value?
Fair value is an estimate of what a stock is truly "worth" based on its financial fundamentals, independent of the current market price. If the calculated fair value is above the current share price, the stock may be undervalued — and vice versa. This chart shows three different fair value approaches so you can cross-check them against each other.
Earnings-Based Fair Value
Calculated by multiplying the current earnings per share (EPS) by the average historical P/E ratio over a selected multi-year period. The smoothing over several years filters out temporary spikes or dips. If this fair value exceeds the market price, it suggests the stock is cheap relative to its earning power.
Example: Fair Value (Earnings) 2022 = EPS 2022 × Average P/E 2019–2021
Revenue-Based Fair Value
Derived by multiplying revenue per share by the average historical price-to-sales ratio. This method is particularly useful for companies with volatile or temporarily depressed earnings, as revenue tends to be more stable than profits. It answers: "At what price has the market historically valued each dollar of this company's sales?"
Example: Fair Value (Revenue) 2022 = Revenue per Share 2022 × Average P/S 2019–2021
Dividend-Based Fair Value
Calculated by dividing the dividend per share by the average historical dividend yield. This approach is most relevant for mature, consistently dividend-paying companies. If the resulting fair value is higher than the current price, it implies the stock offers a better yield than its historical average.
Example: Fair Value (Dividend) 2022 = Dividend per Share 2022 ÷ Average Yield 2019–2021
How to Use This Chart
When all three fair value lines converge above the current price, it strengthens the case that the stock is undervalued. When they diverge, investigate why — it may indicate a structural shift in margins, payout policy, or growth rate. The forward estimates on the right extend the analysis using projected fundamentals, helping you assess whether the current price already reflects future growth expectations.
Xref historical P/E ratio, EBIT multiple, and P/S ratio
Xref annual returns
Details
Annual Return
ⓘWhat This Chart Shows
This chart breaks down 's total annual return into two components: price return (gains or losses from stock price movement) and dividend return (income received from dividend payments). Together, they represent the total return an investor would have earned in each calendar year.
Price Return
Price return measures the percentage change in 's stock price from January 1st to December 31st of each year. Positive bars indicate the stock appreciated; negative bars show a decline. This is the component most investors focus on, but it tells only part of the story — especially for dividend-paying stocks.
Dividend Return
Dividend return represents the income generated from dividends paid during the year, expressed as a percentage of the starting stock price. While it may seem small in any single year (typically 1–4 % for established companies), dividends compound significantly over decades and have historically contributed roughly 40 % of total stock market returns.
What to Look For
Examine how many years showed positive vs. negative returns to gauge consistency. A stock with mostly positive years and small drawdowns suggests lower risk. Also compare 's annual returns to a benchmark index — consistently outperforming the market is a hallmark of a strong investment. Pay attention to the worst years: understanding downside risk is just as important as chasing upside potential.
Xref shares outstanding
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Xref stock splits
Xref shareholder structure
| % | Name |
|---|---|
5.61171% |
Xref Executives and Management Board
10 members · 40 % women
Mr. Lee-Martin Seymour
Chief Executive Officer, Co-Founder, Managing Director, Executive Director · since 2016
429,613.00 AUD
Management
Ms. Sharon Blesson
Chief Technology Officer · since 2021
Mr. James Solomons
Chief Financial Officer, Chief Operating Officer
Mr. Robert Waring
Company Secretary
Ms. Tracy Murdoch
General Counsel
Mr. David Haines
GM RapidID
Board of Directors
Mr. Thomas Stianos
Non-Executive Chairman of the Board
Mrs. Lija Wilson
Non-Executive Director
Mr. Nigel Heap
Non-Executive Director
Ms. Karina Guerra
Group Marketing Director
Xref Supply Chain
Xref Supply Chain
Correlation: how closely stock prices move together
| # | Name | Trend | |||
|---|---|---|---|---|---|
| 1 | 0.58 | 0.35 | 0.51 |
Frequently asked questions about Xref
The business model of Xref Ltd is a cloud-based reference checking and background screening platform. Xref's technology automates the reference checking process, making it quicker, more efficient, and more transparent. By using Xref's platform, businesses can collect feedback, comments, and ratings from previous employers, helping them to make informed hiring decisions. Xref's solution is accessible from anywhere, anytime, allowing users to streamline their reference checking process. With its innovative approach, Xref Ltd aims to improve the quality and reliability of reference checking, ultimately saving time and reducing hiring risks for companies.
Xref Ltd is primarily active in the industries of recruitment and human resources.
Some of the main competitors of Xref Ltd in the market are company A, company B, and company C. These companies operate in a similar field and offer similar products and services as Xref Ltd. However, Xref Ltd stands out due to its unique features, strong customer base, and innovative solutions.
Xref Ltd, a leading provider of online reference checking software, has a rich history and background. Established in 2011 in Sydney, Australia, Xref quickly became a trusted name in the HR technology industry. The company focuses on revolutionizing reference checking by offering automated, secure, and reliable solutions that simplify the hiring process. Xref Ltd has since expanded globally, serving thousands of clients across various sectors and industries. With their innovative platform and exceptional customer service, Xref Ltd continues to empower organizations in making informed hiring decisions while saving time and resources.
Xref Ltd has achieved several significant milestones throughout its journey. Notably, the company has successfully expanded its client base and established a strong presence in the market. Xref Ltd has also demonstrated notable financial growth with consistent revenue streams. Additionally, the company has enhanced its platform, delivering innovative solutions to streamline and improve the referencing process. These achievements have solidified Xref Ltd's reputation as a leading player in the industry and have positioned the company for continued success in the future.
Xref Ltd is primarily present in multiple countries and regions worldwide. With a global reach, Xref Ltd operates extensively in countries including Australia, New Zealand, the United Kingdom, United States, Canada, and Singapore. As a reputable stock company, Xref Ltd extends its services and solutions to clients throughout these regions, ensuring a widespread presence and catering to the diverse needs of businesses across international markets.
Xref Ltd represents a set of core values and a corporate philosophy that drive its operations. The company embodies trust, integrity, and transparency, ensuring a high level of accuracy and fairness in its stock trading practices. With a focus on delivering exceptional value to its shareholders, Xref Ltd is committed to maintaining strong corporate governance and generating sustainable growth. By prioritizing innovation and customer-centricity, the company aims to create long-term partnerships and consistently exceed investor expectations. Xref Ltd's commitment to continuous improvement and ethical business practices sets a solid foundation for its success in the stock market.
7 analysts currently rate the Xref stock: 0 recommend buying, 3 holding and 4 selling. For 2026, analysts expect Xref to generate revenue of 2.50 M AUD and earnings per share of -0.05 AUD.
Converted at the current exchange rate, the Xref share trades at 0.03 EUR (0.06 AUD).
The Xref share (XF1.AX) is listed on 2 stock exchanges, including: Frankfurt (15D.F), ASX (XF1.AX).
Xref Ltd is an Australian company specializing in providing reference checks for potential employees. The company offers a fully automated reference checking service through a secure online platform, which helps customers in the human resources department to hire qualified employees faster and more effectively. Xref's services include automating the entire reference checking process, ensuring compliance with privacy and data protection requirements, customizing reference questions, and integrating with existing HR systems. Additionally, the company offers customized services to support decision-making, enabling customers to make informed choices. Xref's business model focuses on offering technology-enabled reference checking, with customer satisfaction at the core of its approach. The automated platform provides a fast and easy reference checking process, allowing customers to evaluate potential employees more effectively and quickly. The platform offers a high level of security and data protection, which is crucial for customers handling sensitive information. Xref's offerings include various products, ranging from basic to premium reference checks, offering different features and integration options based on customer needs. The company also provides a free trial version, allowing customers to test the platform before full implementation. Moreover, Xref offers customized services tailored to specific customer requirements and needs. The company also utilizes various marketing and sales channels to promote and sell its products and services. These channels include online marketing through search engine optimization and advertising, social media campaigns, direct marketing, and on-site sales activities by employees. Overall, Xref's business model provides a unique solution for companies effectively searching for qualified candidates. Xref's automated platform offers fast access to secure, reliable, and effective reference checks. The company has focused on meeting customer needs and has set a high standard for customer satisfaction, as it is a crucial component of its success. To further expand its business model, Xref will also offer additional products and services in the future that cater to its customers' needs. Automation of the platform will remain at the forefront to enhance the efficiency and accuracy of reference checks.
The expected revenue of Xref is 2.50 M AUD. This figure is based on current financial data and reflects the company's business performance.
The expected profit of Xref is -9.42 M AUD. The net profit reflects the company's profitability after deducting all expenses.
The price-to-earnings ratio (P/E) of Xref is currently -1.17. The P/E ratio compares the current share price to the earnings per share and helps investors assess the valuation of the Xref stock.
The price-to-sales ratio (P/S) of Xref is currently 4.40. The P/S ratio compares the market capitalization to the annual revenue and serves as a valuation metric for the Xref stock.
The Eulerpool Quality Score for Xref is 2/10.
The ISIN of Xref is AU0000038531. The ISIN (International Securities Identification Number) is a globally unique identifier for securities.
The WKN of Xref is A2QHTS. The WKN (Wertpapierkennnummer) is a six-digit German security identification number.
The ticker of Xref is XF1.AX. The ticker symbol is used to trade Xref shares on the stock exchange.
Xref paid dividends every year for the past 0 years.
Xref is assigned to the 'Information technology' sector.
The dividends of Xref are distributed in AUD.
Xref stock
Xref Peer Group
Xref Ticker
Xref FIGI
All fundamentals and in-depth analysis of Xref
Our stock analysis for Xref stock includes important financial indicators such as revenue, profit, P/E ratio, P/S ratio, EBIT, as well as information on dividends. We also assess aspects such as stocks, market capitalization, debt, equity, and liabilities of Xref. If you are looking for more detailed information on these topics, we offer comprehensive analyses on our subpages.