# Cuentas Inc. (CUEN)

> Source: Nexqual · https://nexqual.com/CUEN · data as of 2026-10-23 20:00 UTC · cite as "Nexqual, Cuentas Inc. (CUEN), nexqual.com/CUEN" · informational, not investment advice.

**Price:** USD 0.6 (-3.23% on the day) · last close of Oct 23, 2026; US market closed, not a live price. Prev close 0.62 · day 0.4–0.4 · 52w 0–0.97 · market cap $4.8M · OQB

## Key facts
- Insider open-market sales, last ~7 months: 1 Form 4 filings, $0K; 1 not under a Rule 10b5-1 plan ($0K); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Insider open-market purchases, last ~7 months: 19 Form 4 filings, $69K; 0 by opportunistic insiders, 0 by routine insiders.
- Total return with dividends: 1Y +599900.0% vs S&P 500 +13.4%; 5Y -98.3% vs S&P 500 +76.9%.

## Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $593K | $3.0M | $2.3M | $676K | — | — |
| Gross profit | $124K | $486K | -$387K | -$75K | — | — |
| Operating income | -$10.7M | -$14.4M | -$6.4M | -$2.0M | -$1.9M | -$2.4M |
| Net income | -$10.7M | -$14.5M | -$2.2M | -$3.3M | -$1.6M | -$2.9M |
| EPS (diluted) | -$9.32 | -$11.81 | -$0.95 | -$1.22 | -$0.53 | — |
| Free cash flow | — | -$8.1M | -$4.2M | — | — | — |
| Gross margin | 20.9% | 16.2% | -16.5% | -11.1% | — | — |
| Operating margin | -1798.5% | -479.5% | -273.2% | -294.8% | — | — |
| Net margin | -1809.1% | -485.3% | -93.6% | -489.5% | — | — |
| Revenue growth | +6.3% | +404.9% | -21.6% | -71.2% | — | — |
| Cash + short-term investments | — | — | $205K | $15K | $57K | — |
Fiscal years end Dec. EPS is split-adjusted.

## Valuation (price ÷ last four quarters, through Jun 30, 2026)
Earnings yield -61.51%

## Insider sales (SEC Form 4, open-market, last ~7 months)
0 of 1 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-06-18 | Maimon Shalom Arik | CEO | 100 | $0K | 0% | No | Too little history (no open-market trades in 2023–2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.

## Insider purchases (SEC Form 4, open-market, last ~7 months)
19 purchases, $69K. Private placements, offerings, dividend reinvestment and employee stock purchase plan buys are excluded.
| Trade date | Insider | Role | Shares | Value | Avg price | Insider type |
|---|---|---|---|---|---|---|
| 2026-09-18…2026-09-25 | Maimon Shalom Arik | CEO | 10,000 | $6K | 0.59 | Too little history (no open-market trades in 2023–2025) |
| 2026-09-04…2026-09-15 | Maimon Shalom Arik | CEO | 3,200 | $2K | 0.5 | Too little history (no open-market trades in 2023–2025) |
| 2026-07-31…2026-08-10 | Maimon Shalom Arik | CEO | 6,000 | $4K | 0.61 | Too little history (no open-market trades in 2023–2025) |
| 2026-07-23…2026-07-27 | Maimon Shalom Arik | CEO | 26,900 | $13K | 0.48 | Too little history (no open-market trades in 2023–2025) |
| 2026-07-07 | Maimon Shalom Arik | CEO | 2,500 | $1K | 0.45 | Too little history (no open-market trades in 2023–2025) |
| 2026-07-07 | Oas Energy Llc |  | 2,500 | $1K | 0.44 | Too little history (no open-market trades in 2023–2025) |
| 2026-07-01…2026-07-02 | Maimon Shalom Arik | CEO | 5,200 | $2K | 0.39 | Too little history (no open-market trades in 2023–2025) |
| 2026-07-01 | Oas Energy Llc |  | 4,600 | $2K | 0.39 | Too little history (no open-market trades in 2023–2025) |
| 2026-06-22…2026-06-30 | Maimon Shalom Arik | CEO | 15,900 | $5K | 0.34 | Too little history (no open-market trades in 2023–2025) |
| 2026-06-30 | Oas Energy Llc |  | 6,700 | $2K | 0.35 | Too little history (no open-market trades in 2023–2025) |
| 2026-06-22 | Maimon Shalom Arik | CEO | 5,800 | $2K | 0.35 | Too little history (no open-market trades in 2023–2025) |
| 2026-06-17…2026-06-22 | Maimon Shalom Arik | CEO | 16,200 | $5K | 0.31 | Too little history (no open-market trades in 2023–2025) |
| 2026-06-22 | Oas Energy Llc |  | 3,500 | $1K | 0.35 | Too little history (no open-market trades in 2023–2025) |
| 2026-06-18 | Oas Energy Llc |  | 16,000 | $4K | 0.28 | Too little history (no open-market trades in 2023–2025) |
| 2026-06-12…2026-06-15 | Oas Energy Llc |  | 23,532 | $7K | 0.28 | Too little history (no open-market trades in 2023–2025) |

## Total return (dividends reinvested)
|  | 1Y (from 2025-10-24) | 5Y (from 2021-10-25) |
|---|---|---|
| Total return | +599900.0% | -98.3% |
| S&P 500 (SPY) | +13.4% | +76.9% |
| Per year | +618095.3% | -55.5% |
| Volatility (annualized) | 506.8% | 552.0% |
| Max drawdown | -70.0% (Dec 2025→Feb 2026) | -100.0% (Nov 2021→Jun 2025) |

## Peers (Software - Application)
NICE (NICE Ltd) USD 121.18 +3.44% · APPF (AppFolio, Inc.) USD 210.62 -3.09% · DSGX (The Descartes Systems Group Inc) USD 93.96 -0.04% · TTAN (ServiceTitan, Inc.) USD 87.06 +2.18% · IDCC (InterDigital, Inc.) USD 327.28 -1.44% · YMM (Full Truck Alliance Co. Ltd.) USD 8.29 -0.72%

## More
Full page: https://nexqual.com/CUEN · Free keyless MCP server with the same data and citations: https://mcp.nexqual.com/mcp · Guide for agents: https://nexqual.com/agents · https://nexqual.com/llms.txt

## Revenue by product line (fiscal year ended 2024-12-31)

| Line | Revenue | Share | YoY |
|---|---|---|---|
| Wholesale Telecommunication Services | $569,000 | 84.2% | — |
| Digital Products & General Purpose Reloadable Cards | $81,000 | 12.0% | — |
| Telecommunications | $26,000 | 3.8% | — |
| Total revenue | $676,000 | 100% | — |

## Analyst estimates and revisions

| Period | EPS est. | 90d ago | Change | Revenue est. | Analysts |
|---|---|---|---|---|---|
| Current quarter | — | — | — | $0 | — |
| Next quarter | — | — | — | $0 | — |
| Current fiscal year | — | — | — | $0 | — |
| Next fiscal year | — | — | — | $0 | — |