MASHINIi

XBP Europe Holdings, Inc..

XBP.US | Activities of holding companies

XBP Europe Holdings, Inc. appears to be a holding company. Holding companies typically do not engage in direct business operations themselves. Instead, they own a controlling interest in other companies, which are known as subsidiaries. The holding company's primary purpose is to oversee and manage ...Show More

Ethical Profile

Mixed.

XBP Europe Holdings, Inc. has faced challenges in Safe & Smart Tech, with reports indicating a network security incident in June 2022 that had a material adverse impact. Despite this, the company holds NF461 certification for electronic archives, emphasizes cybersecurity best practices, and conducts mandatory security awareness training, aligning its program with NIST CSF standards. For Honest & Fair Business, XBP maintains a formal whistleblower protection policy and a code of ethics, reporting no regulatory fines in the past three years and self-reporting minor breaches.

Value Scores

Better Health for All0
-100100
Fair Money & Economic Opportunity0
-100100
Fair Pay & Worker Respect40
-100100
Fair Trade & Ethical Sourcing0
-100100
Honest & Fair Business-30
-100100
Kind to Animals-30
-100100
No War, No Weapons0
-100100
Planet-Friendly Business0
-100100
Respect for Cultures & Communities0
-100100
Safe & Smart Tech10
-100100
Zero Waste & Sustainable Products-30
-100100

Better Health for All

0

The provided articles primarily focus on XBP Europe Holdings, Inc.'s financial performance, including revenue, gross margin, operating profit, and net loss for Q3 and Q4 2024 and full year 2024. Some articles detail the company's selection for the UK government's G-Cloud 14 framework for cloud services

1
and its workflow automation solutions. While an ESG report summary mentions environmental sustainability efforts like moving 90% of computing activities to the cloud
2
and recycling 7.8 tonnes of electronic waste in 2021
3
, it explicitly states that specific data related to health impact, harmful revenue share, safety record, price accessibility, vulnerable reach, risk transparency, health innovation investment, and other health-related metrics are not provided.
4
Therefore, there is no concrete evidence to assess the company against any of the 'Better Health for All' KPIs.

Fair Money & Economic Opportunity

0

The provided articles do not contain specific, quantifiable data points relevant to any of the KPIs for Fair Money & Economic Opportunity. There is no information regarding the percentage of underserved clients, pricing fairness (APRs or fees), revenue from high-cost products, share of the loan/insurance book for inclusion initiatives, data accessibility features, fair lending compliance records, wealth-building outcomes for customers, profit reinvestment in community finance, financial literacy programs, customer debt burden ratios, geographic inclusion in underserved areas, or product simplicity metrics.

1
While the company has a 'Bills & Payments' segment
2
and lists 'Banking & Payments' as a service
3
, and mentions general ESG policies
4
, the articles lack the detailed financial services data required by the rubric to assess performance against these specific ethical metrics.

Fair Pay & Worker Respect

40

XBP Global was recognized as one of Newsweek’s America’s Greatest Workplaces for Culture, Belonging & Community in 2026.

1
This recognition, which applies to its approximately 11,000 employees, was based on employee feedback and independent research focused on workplace culture, inclusion, belonging, and community engagement.
2

Fair Trade & Ethical Sourcing

0

No specific data relevant to XBP.US or its subsidiaries regarding fair trade and ethical sourcing practices could be extracted from the provided articles.

1
The articles explicitly state that no data is available for the company or discuss general industry topics without company-specific information.
2

Honest & Fair Business

-30

XBP Europe has a formal whistleblower protection policy that encourages reporting and promises investigation without fear of retaliation.

1
Procedures are established for handling complaints regarding accounting, internal controls, or auditing matters, and a 'Go Speak Up' whistleblowing platform exists.
2
However, there is no evidence of independent investigation processes. The company has a 'Code of Ethics and Business Conduct' which likely contains anti-corruption provisions, but specific details on its strength, enforcement, or training are not provided.
3
XBP Global has appointed four new independent board members, and its Audit Committee Charter outlines independence requirements for board members, but the percentage of conflict-free board members is not specified.
4
The company files SEC reports, with 241 filings spanning 2021-2026, and no financial restatements are explicitly mentioned in the provided articles.
5

Kind to Animals

-30

The HBX Group, a subsidiary, has an Animal Welfare Policy approved by its Senior Management Team in October 2025, which is reviewed annually.

1
This policy commits to upholding principles from the World Organisation for Animal Health (WOAH) and ABTA Animal Welfare Guidelines.
2
It explicitly states that HBX Group does not promote tourism activities involving inadequate animal treatment.
3
The company collaborates with reputable animal rescue organizations and conducts public awareness campaigns to educate about animal rescue.
4
However, there is no public position on animal welfare legislation or advocacy for higher standards.
5

No War, No Weapons

0

No evidence available to assess XBP Europe Holdings, Inc. on No War, No Weapons.

Planet-Friendly Business

0

No evidence available to assess XBP Europe Holdings, Inc. on Planet-Friendly Business.

Respect for Cultures & Communities

0

No evidence available to assess XBP Europe Holdings, Inc. on Respect for Cultures & Communities.

Safe & Smart Tech

10

XBP Europe has achieved NF461 certification for electronic document management in France.

1
The company also holds ISO/IEC 27001 certification for information security across multiple European countries, including the UK, Ireland, Sweden, Norway, Germany, Poland, France, Netherlands, Belgium, Serbia, Austria, and Morocco.
2
The company has mandatory security awareness training for employees covering cybersecurity, privacy, and confidential information, and its cybersecurity program is integrated with enterprise risk management, utilizing industry and government standards such as NIST CSF.
3
In June 2022, ETI, a likely subsidiary, experienced a network security incident with a material adverse impact, though no other material cybersecurity incidents were reported for 2023 or 2024.
4
The company's cybersecurity program is integrated with enterprise risk management, utilizing industry and government standards like NIST CSF.
5

Zero Waste & Sustainable Products

-30

XBP Europe recycled 7.8 tonnes of electronic waste in the UK in 2021, which included hazardous and non-hazardous Category 3 materials.

1
This demonstrates good hazardous waste management.

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AI-generated analysis based on publicly available data. Not financial advice. Ratings are expressions of opinion derived from automated models and may contain inaccuracies. See our Risk Disclosure for full details.