XTL Biopharmaceuticals Ltd. American Depositary Shares (XTLB)

FairStock Score: 20/100 — RISKY

Key Financials

AI Analysis

AI-generated, general educational analysis — not personal investment advice.

I look for a business with durable earnings power, honest accounting, and a margin of safety. XTL Biopharmaceuticals does not resemble that. It is a four-employee, pre-commercial biotech whose lead asset, hCDR1, is Phase II-ready for lupus and Sjogren's syndrome. In the fourth quarter of 2024, labeled 2024-Q4, it showed revenue of $289,000 and net income of -$255,000, a net margin of -88.24%. At the close on 2026-10-13, the shares were $1.98, the market cap was $5.8 million, and FairStock's calculated P/E was -5.50. FairStock calculations also show ROE of -29.30%, ROCE of -21.01%, no P/B or D/E, a Piotroski F-Score of 1/9, an Altman Z-Score of -1404.82, and a FairStock Score of 20/100. Revenue growth and profit growth are not available, and the Lynch category is none because there are only 0 years of filed results versus the 3 needed. A licensing deal with Yeda is a real asset, but it is no substitute for approved products, recurring revenue, or cash generation. The competitive moat, if any, rests on intellectual property and clinical data, not on brand, scale, or switching costs. The 52-week range of $1.88 to $5.96 shows how volatile expectations can be. The stock trades near the low end of that range, but a low price alone is not value; the company must still prove hCDR1 works and can be funded. In Graham's terms, this is speculation, not investment, until the balance sheet, earnings, and clinical path show measurable progress.

In plain English: XTL Biopharmaceuticals is a tiny drug developer with only four employees, focused on an early-stage autoimmune treatment called hCDR1. The business looks weak today: in the fourth quarter of 2024, labeled 2024-Q4, it had $289,000 of revenue and lost $255,000, and it has no meaningful profit history. At $1.98 a share, with a $5.8 million market value, the price looks speculative and not supported by current sales or earnings.

The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.

Data as of 2026-10-13 close · note generated 2026-10-15 · model deepseek-flash

Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer