ScoreWhy is Fintel Plc ?
1
Poor long term growth as Operating profit has grown by an annual rate 5.08% of over the last 5 years
2
Negative results in Dec 24
- INTEREST(HY) At GBP 1.5 MM has Grown at 200%
- INTEREST COVERAGE RATIO(Q) Lowest at 793.33
- OPERATING CASH FLOW(Y) Lowest at GBP 17.1 MM
3
With ROE of 11.47%, it has a expensive valuation with a 2.42 Price to Book Value
- Over the past year, while the stock has generated a return of -29.25%, its profits have risen by 14.4% ; the PEG ratio of the company is 1.5
4
Below par performance in long term as well as near term
- Along with generating -29.25% returns in the last 1 year, the stock has also underperformed FTSE 100 in the last 3 years, 1 year and 3 months
Real-Time Research ReportHow much should you sell?
- 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 Miscellaneous)
When to re-enter? - We will constantly monitor the company and review our call based on new data
Is Fintel Plc for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Fintel Plc
-100.0%
-0.82
39.18%
FTSE 100
15.94%
1.23
12.99%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
6.32%
EBIT Growth (5y)
5.08%
EBIT to Interest (avg)
11.65
Debt to EBITDA (avg)
0.48
Net Debt to Equity (avg)
0.24
Sales to Capital Employed (avg)
0.63
Tax Ratio
18.18%
Dividend Payout Ratio
64.37%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
14.03%
ROE (avg)
12.46%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
21
Industry P/E
Price to Book Value
2.42
EV to EBIT
16.92
EV to EBITDA
12.23
EV to Capital Employed
2.09
EV to Sales
3.27
PEG Ratio
1.51
Dividend Yield
147.01%
ROCE (Latest)
12.38%
ROE (Latest)
11.47%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Bearish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
No Trend
OBV
No Trend
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend
Not enough Data to analyse Financial Trend
Not enough Data to analyse Financial Trend
Here's what is working for Fintel Plc
Net Sales
Highest at GBP 42.6 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (GBP MM)
Net Sales
At GBP 42.6 MM has Grown at 28.31%
Year on Year (YoY)MOJO Watch
Near term sales trend is positive
Net Sales (GBP MM)
Operating Profit
Highest at GBP 11.9 MM
in the last five periodsMOJO Watch
Near term Operating Profit trend is positive
Operating Profit (GBP MM)
Net Profit
Highest at GBP 7.15 MM
in the last five periodsMOJO Watch
Near term Net Profit trend is positive
Net Profit (GBP MM)
Dividend Payout Ratio
Highest at 67.12%
in the last five yearsMOJO Watch
Company is distributing higher proportion of profits generated as dividend
DPR (%)
Raw Material Cost
Fallen by 1.02% (YoY)
MOJO Watch
The company's ability to pass on the cost of raw materials to customers has improved; this may lead to a rise in profit margin
Raw Material Cost as a percentage of Sales
Here's what is not working for Fintel Plc
Interest Coverage Ratio
Lowest at 793.33 and Fallen
In each period in the last five periodsMOJO Watch
The company's ability to manage interest payments is deteriorating
Operating Profit to Interest
Operating Cash Flow
Lowest at GBP 17.1 MM
in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (GBP MM)
Interest
Highest at GBP 1.5 MM
in the last five periods and Increased by 200% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Cash and Eqv
Lowest at GBP 6.3 MM
in the last six Semi-Annual periodsMOJO Watch
Short Term liquidity is deteriorating
Cash and Cash Equivalents
Debt-Equity Ratio
Highest at 25.17 %
in the last five Semi-Annual periodsMOJO Watch
The company is borrowing more to fund its operations; it's liquidity situation may be stressed
Debt-Equity Ratio
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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