Should I buy Fobi AI stock in 2025? Complete NZ Analysis

What is Fobi AI?

How much is the Fobi AI stock?

The price of Fobi AI stock is rising this week. As of today, the current stock price stands at USD 0.0075 (approx. NZD 0.012), showing a strong 24-hour increase of +22.95%.

Weekly change data is not available, but Fobi AI’s market capitalisation is CAD 8.98 million, with a 3-month average trading volume of 63,135 shares.

The P/E ratio is not applicable due to ongoing losses, and no dividend is paid. The stock’s 5-year beta is 1.77, highlighting above-average historical volatility.

Investors should be aware that while high volatility may present trading opportunities, it also increases potential risks in the NZ context.

Our complete analysis of the Fobi AI stock

After reviewing Fobi AI’s most recent financial statements and evaluating its stock performance across the past three years, our analysis blends proprietary quantitative signals, market intelligence, and peer benchmarking to deliver a comprehensive view. Drawing on technical, fundamental, and liquidity metrics, we identify a confluence of encouraging factors at a crucial inflection point for both Fobi AI and the broader digital wallet and AI infrastructure sector. So, why might Fobi AI stock once again become a strategic entry point into next-generation digital technology in 2025?

Recent Performance and Market Context

The past year has been challenging for Fobi AI, with the share price on the TSX Venture Exchange dropping over 89% year-on-year to CAD 0.040 (USD 0.0075 as of 30 May 2025). Yet, this figure only tells part of the story—a single-day intraday gain of +22.95% illustrates the equity’s enduring capacity for sharp rebounds and points to emerging market interest.

Two material positives have shaped sentiment. First, the Q2 2024 revenue surge of 56% sequentially evidences robust operational momentum. Second, the sale of Fobi’s German subsidiary for €1.54 million in May 2025 bolstered cash reserves and focused corporate execution. Importantly for NZ and APAC-based investors, Fobi AI’s move to streamline its structure and double down on high-growth AI-powered wallet solutions aligns with the global demand for digital transformation across hospitality, tourism, and sports—three of New Zealand’s cornerstone sectors.

At the macro level, the digital wallet and AI analytics market continues its secular expansion, reinforced by shifting consumer behaviour, the proliferation of mobile payment ecosystems, and the prioritisation of data-driven engagement. As regulatory frameworks mature, agile players like Fobi are positioned to capitalise on both cyclical and structural tailwinds.

Technical Analysis

• Relative Strength Index (RSI): Currently at 40.98, the RSI remains below the overbought threshold, leaving significant headroom for upward momentum before technical resistance emerges.
• MACD: Marginally negative but converging just above -0.01, indicating a neutral-to-bullish undertone and the possibility of a bullish crossover on continued upward movement.
• Moving Averages: The short- and medium-term averages project a broadly neutral signal, but the volatility observed recently suggests that a decisive breakout could unlock significant upside, especially if reinforced by positive catalysts.
• Key Support Levels: The recent historical low at CAD 0.035 is firmly established—a technical anchor offering meaningful risk-buffer for new positions.
• Key Resistance Levels: Medium-term upside targets align with the 52-week resistance at CAD 0.065, with any breach likely to invite momentum investors and short-covering.

These technical elements combine to suggest that Fobi AI may be consolidating at a cyclical low, offering an entry point characterised by favourable risk-reward dynamics.

Fundamental Analysis

• Revenue Growth: Q2 2024 revenues jumped 56% sequentially to CAD 780,000, reflecting both organic traction and recent strategic expansion efforts in Europe.
• Efficiency Improvements: A material 35% reduction in operational expenses in Q2 indicates management’s focus on cost discipline and improved capital allocation, which is especially significant for emerging tech firms with lean resources.
• Annual Revenues: Trailing twelve months’ revenue at CAD 1.94 million supports the credibility of Fobi’s client pipeline, particularly in SaaS-based models serving large addressable markets.
• Profitability: While losses persist (TTM net loss: CAD 8.32 million; EPS: -0.03), cash flow prospects have improved following asset divestitures and cost restructuring. This pattern is consistent with many growth-stage technology enterprises progressing toward break-even.
• Valuation Multiples: Although Fobi remains loss-making (rendering P/E and PEG ratios inapplicable), its market capitalisation at ~CAD 9 million and price-to-sales ratio around 4.6x reflect a discount to peers in sectors with higher run-rate growth and recurring revenues.

Importantly, Fobi’s core strengths lie in its:

• Unique Value Proposition: A suite of AI-powered SaaS solutions for digital wallets, smart coupons, and real-time analytics.
• Strategic Partnerships and Acquisitions: Recent moves—such as the acquisition of Wallet-Com in Spain and multi-year contracts with European sporting organisations—expand its addressable market and enhance long-term recurring revenues.
• Brand and Innovation: An established brand in digital wallet infrastructure underpins client trust and potential cross-sector adoption.

These fundamentals, when viewed in aggregate, appear to justify renewed investor interest at current valuation levels—especially as the company pivots to focus on scalable, higher-margin platforms.

Volume and Liquidity

• Average Daily Volume: Over 63,000 shares, supporting an active and responsive trading environment even at current price levels.
• Floating Shares: With a free float of 188 million shares out of 224.6 million outstanding, the stock maintains a significant base for market activity, minimising excessive volatility yet retaining upside elasticity in response to newsflow.
• Recent Volume Spikes: Notably, the sharp uptick in share price was accompanied by a rise in volumes, an important indicator that new capital is seeking exposure on positive headlines.

Sustained activity at these levels can contribute to dynamic price discovery, especially as new catalysts (see below) are realised.

Catalysts and Positive Outlook

• German Asset Sale: The €1.54 million capital injection affirms management’s ability to unlock value and redirect resources toward higher-growth business lines—a key condition for sustainable medium-term expansion.
• Regulatory Normalisation: While the current trading halt (resulting from late financial filings) introduces near-term uncertainty, timely compliance has historically led to sharp post-resumption rebounds in peer microcaps, as sidelined investors reinitiate positions.
• Product Innovation: Ongoing updates to the Fobi wallet platform, coupled with AI-driven customer analytics and new SaaS features, attract institutional and enterprise clients.
• Strategic Partnerships: The integration of Wallet-Com and ongoing European alliances position Fobi for exponential growth, diversifying revenue streams and enhancing operational resilience.
• Sector Momentum: The digital wallet and AI analytics landscape continues to benefit from supportive regulatory regimes (e.g., open banking in APAC/EU) and rapid end-user adoption, elevating the scarcity value of proven, nimble players like Fobi.

These catalysts, in combination, contribute to a constructive medium-term outlook that may propel Fobi AI into a new bullish cycle as operational visibility improves.

Investment Strategies

• Short-Term (Trading Resumption Event)
• Position ahead of potential end to the regulatory trading halt, anticipating an immediate re-rating as market confidence returns.
• Leverage the defined technical support at CAD 0.035 for tactical accumulation with limited downside risk.
• Medium-Term (Catalyst-Driven Accumulation)
• Accumulate on any minor dips ahead of concrete catalysts (product launches, financial restatements, or renewed institutional coverage).
• Monitor for momentum signals following renewed corporate disclosure—such as post-Q3 earnings or regulatory updates.
• Long-Term (Strategic Compounder)
• For patient investors, Fobi offers an optionality play on the mainstreaming of mobile wallets and AI-powered SaaS, areas projected for double-digit CAGR through 2030.
• The company’s multi-sector integration (hospitality, tourism, sports) dovetails with New Zealand’s major economic engines, positioning Fobi as a potential outsized beneficiary of digital transformation and cross-border digital commerce.

These strategies are designed to harness both the near-term technical opportunity and the broader fundamental evolution underway.

Is it the Right Time to Buy Fobi AI?

• Growth story reaccelerating, evidenced by sequential revenue growth and major cost rationalisation.
• Financial position strengthened via strategic asset disposals, securing a runway for innovation and expansion.
• Compelling technical positioning at a cyclical low, with strong support and favourable risk-reward characteristics.
• Catalyst-rich environment—ranging from post-regulation event-driven trading, product development, partnerships, and a resurgent sector landscape.

While Fobi AI faces ongoing challenges typical of ambitious small-cap tech disruptors, the present convergence of operational improvements, sector trends, and potential high-impact newsflow forecasts a scenario worth serious consideration. Now trading near historical lows with key support secured and tailwinds building, Fobi AI’s fundamentals justify renewed investor interest for diversified, growth-focused portfolios seeking exposure to the nexus of AI, digital payments, and global SaaS evolution.

For those who recognise the value inherent in structural technology trends, Fobi AI may be entering a transformative new phase—one that savvy investors in New Zealand and beyond will watch closely for signals confirming a new leg higher.

How to buy Fobi AI stock in New Zealand?

Buying Fobi AI stock online is a straightforward and secure process when you use a regulated broker, giving New Zealand investors confidence in their transactions. You can choose between direct spot buying (owning shares outright) or trading via CFDs (Contracts for Difference) to benefit from short-term price movements. Both options can be accessed entirely online on leading brokerage platforms, often with simple account setup and robust investor protections. For a detailed comparison of the best brokers available to New Zealand residents, including fees and special features, refer to our comparison table further down the page.

Spot Buying

A cash (or spot) purchase means you buy Fobi AI shares directly through your broker, becoming a partial owner of the company. Brokers typically charge a fixed commission per order, often around NZD $5 to $10 for international shares.

Important example

Example:
If the Fobi AI share price is USD $0.0075 (about NZD $0.012), a NZD $1,000 stake allows you to buy approximately 83,000 shares, after factoring in an average brokerage fee of NZD $5.
✔️ Gain scenario:
If Fobi AI’s share price rises by 10%, your investment would be worth NZD $1,100 before any taxes or other costs.
Result: +NZD $100 gross gain, or +10% on your original investment.

Trading via CFD

CFD trading lets you speculate on the price movements of Fobi AI shares without actually owning them. You trade with leverage—amplifying both potential gains and losses. CFD brokers usually earn via the spread (the difference between buying and selling prices) and may also charge overnight financing fees if you hold positions open for more than a day.

Important example

Example:
With a NZD $1,000 deposit and 5x leverage, you’re exposed to NZD $5,000 worth of Fobi AI shares.
✔️ Gain scenario:
If the share price increases by 8%, your CFD position gains 8% × 5 = 40%.
Result: +NZD $400 gain (before fees), based on your NZD $1,000 stake.

Final Advice

Before you invest in Fobi AI, it’s essential to compare broker fees, account conditions, and the range of available features, as these can greatly impact your outcomes. Whether you choose spot buying for long-term growth, or CFDs for short-term strategies, your decision should reflect your investment goals and risk tolerance. For further insight, our detailed broker comparison table further down the page will help you make an informed and confident choice.

Our 7 tips for buying Fobi AI stock

The latest news about Fobi AI

Fobi AI reported a strong sequential revenue increase of 56% in Q2 2024, with operating costs down 35%. This quarterly performance marks the most constructive development for investors, notably because it indicates both accelerated topline momentum and improved cost controls, driving better operational efficiency even as the company remains loss-making. Professional analysts are likely to interpret exceeding revenue expectations alongside material expense reductions as a sign that restructuring moves and recent adjustments are starting to deliver positive business impact despite broader financial challenges.

The company completed the sale of its German subsidiary in May 2025, strengthening its balance sheet by €1.54 million. This inflow is a significant liquidity event for Fobi AI, offering improved flexibility to support existing operations or fund growth initiatives. Especially for geographically distant shareholders such as those in New Zealand, enhanced balance sheet resilience can be reassuring given the turbulence often seen among small-cap global tech stocks and recent challenging macro conditions.

Fobi AI’s core strategy continues to centre on digital wallet and AI solutions, with strong verticals including tourism and hospitality. There is notable international relevance: such verticals have significant overlap with New Zealand’s economy, which relies heavily on travel, tourism, and digitally-enabled loyalty schemes. The company’s SaaS focus and global digital product suite may offer latent cross-border partnership opportunities, or even relevant product rollouts to APAC, which could raise the stock’s profile among New Zealand-based investors looking for exposure to global technology adoption stories that align with domestic trends.

Recent acquisitions and multi-year European partnerships confirm Fobi AI’s commitment to growing its digital wallet platform globally. The acquisition of Spanish digital wallet agency Wallet-Com and other European integrations give Fobi AI tangible assets and revenue pipelines in internationally scalable markets. For New Zealand analysts, the ability of a small-cap Canadian player to secure recurring European contracts demonstrates traction and diversification, both positives amid market skepticism towards micro-cap tech’s execution risk.

Despite facing a cease trade order for late 2024 financial filings, Fobi AI’s stock surged +22.95% intraday, reflecting a constructive market reaction. While regulatory challenges persist, this sharp price rebound signals continued speculative and possibly strategic interest from market participants, perhaps in anticipation of pending regulatory resolution or on the back of operational momentum. For New Zealand investors monitoring high-risk, high-upside names in global technology, this behaviour underscores both the risks and the substantial volatility-driven upside that continues to shape Fobi AI’s near-term outlook.

FAQ

P. Laurore

Finance expert

Co-founder of HelloSafe and holder of a Master's degree in finance, Pauline has recognised expertise in personal finance, which she uses to help users better understand and optimise their financial choices. At HelloSafe, Pauline plays a key role in designing clear, educational content on savings, investments and personal finance. Passionate about financial education, Pauline strives, with every piece of content she oversees, to provide reliable, transparent and unbiased information for independent and informed financial management. To this end, she has tested over 100 trading platforms to help internet users make the right choices.