Fintech Select Ltd.

  • Market Cap: Micro Cap
  • Industry: Regional Banks
  • ISIN: CA31810H1073
CAD
0.09
0.02 (28.57%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-recommendationScore
Click here to find our call on this stock
Strong Sell
Sell
Hold
Buy
Strong Buy

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Comparison

Company
Score
Quality
Valuation
Financial
Technical
Guardian Capital Group Ltd.
Currency Exchange International Corp.
National Bank of Canada
VersaBank
Givex Corp.
Canadian Western Bank
Tokens.com Corp.
EQB, Inc.
Clip Money, Inc.
Wellfield Technologies, Inc.
Fintech Select Ltd.

Why is Fintech Select Ltd. ?

1
Weak Long Term Fundamental Strength as the company has not declared results in the last 6 months
  • Poor long term growth as Net Sales has grown by an annual rate of -0.86% and Operating profit at -21.93% over the last 5 years
  • Company's ability to service its debt is weak with a poor EBIT to Interest (avg) ratio of 0.09
2
With a fall in Net Sales of -49.16%, the company declared Very Negative results in Mar 25
  • The company has declared negative results in Jan 70 after 2 consecutive negative quarters
  • PRE-TAX PROFIT(Q) At CAD 0.14 MM has Fallen at -56.55%
  • NET PROFIT(Q) At CAD 0.14 MM has Fallen at -56.55%
  • RAW MATERIAL COST(Y) Grown by 36.97% (YoY)
3
Risky -
  • The stock is trading risky as compared to its average historical valuations
  • Over the past year, while the stock has generated a return of 200.00%, its profits have fallen by -59%
stock-recommendationReal-Time Research Report

Verdict Report

How much should you sell?

  1. All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Regional Banks)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Fintech Select Ltd. for you?

High Risk, High Return

Absolute
Risk Adjusted
Volatility
Fintech Select Ltd.
200.0%
0.92
169.90%
S&P/TSX 60
18.99%
1.25
15.17%
stock-recommendationQuality
stock-summaryManagement Risk
stock-summaryGrowth
stock-summaryCapital Structure
stock-recommendation
Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor
Value
Sales Growth (5y)
-0.86%
EBIT Growth (5y)
-21.93%
EBIT to Interest (avg)
0.09
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
0
Sales to Capital Employed (avg)
0
Tax Ratio
0
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
0
ROE (avg)
15.49%
stock-recommendationValuation

Valuation Scorecard stock-summary

stock-recommendation
Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors stock-summary

Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
3.20
EV to EBIT
-2.28
EV to EBITDA
-2.28
EV to Capital Employed
-2.28
EV to Sales
0.72
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
Negative Capital Employed
ROE (Latest)
-27.61%
stock-recommendationTechnicals

Technical key factors

Indicator
Weekly
Monthly
MACD
Bullish
Bullish
RSI
Bullish
Bullish
Bollinger Bands
Bullish
Bullish
Moving Averages
Bullish (Daily)
KST
Bullish
Bullish
Dow Theory
Bearish
No Trend
OBV
No Trend
No Trend
stock-recommendation Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
Technical Movement
stock-recommendationFinancial Trend

Financial Trend Scorecard stock-summary

stock-recommendation
Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

5What is working for the Company
OPERATING CASH FLOW(Y)

Highest at CAD 0.33 MM

DEBT-EQUITY RATIO (HY)

Lowest at -839.38 %

INVENTORY TURNOVER RATIO(HY)

Highest at 1,508.72%

-12What is not working for the Company
PRE-TAX PROFIT(Q)

At CAD 0.14 MM has Fallen at -56.55%

NET PROFIT(Q)

At CAD 0.14 MM has Fallen at -56.55%

RAW MATERIAL COST(Y)

Grown by 36.97% (YoY

Here's what is working for Fintech Select Ltd.

Operating Cash Flow
Highest at CAD 0.33 MM and Grown
In each year in the last three years
MOJO Watch
The company has generated higher cash revenues from business operations

Operating Cash Flows (CAD MM)

Debt-Equity Ratio
Lowest at -839.38 %
in the last five Semi-Annual periods
MOJO Watch
The company has been reducing its borrowing as compared to equity capital

Debt-Equity Ratio

Inventory Turnover Ratio
Highest at 1,508.72%
in the last five Semi-Annual periods
MOJO Watch
Company has been able to sell its inventory faster

Inventory Turnover Ratio

Here's what is not working for Fintech Select Ltd.

Pre-Tax Profit
At CAD 0.14 MM has Fallen at -56.55%
Year on Year (YoY)
MOJO Watch
Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (CAD MM)

Net Profit
At CAD 0.14 MM has Fallen at -56.55%
Year on Year (YoY)
MOJO Watch
Near term Net Profit trend is very negative

Net Profit (CAD MM)

Raw Material Cost
Grown by 36.97% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin

Raw Material Cost as a percentage of Sales