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 Jun 25
- INTEREST(HY) At GBP 1.4 MM has Grown at 180%
- OPERATING CASH FLOW(Y) Lowest at GBP 21.2 MM
- INTEREST COVERAGE RATIO(Q) Lowest at 771.43
3
With ROE of 11.47%, it has a expensive valuation with a 1.98 Price to Book Value
- Over the past year, while the stock has generated a return of -27.82%, its profits have risen by 14.4% ; the PEG ratio of the company is 1.2
4
Below par performance in long term as well as near term
- Along with generating -27.82% 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%
-1.01
41.02%
FTSE 100
13.98%
1.15
13.60%
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
17
Industry P/E
Price to Book Value
1.98
EV to EBIT
14.19
EV to EBITDA
10.25
EV to Capital Employed
1.76
EV to Sales
2.74
PEG Ratio
1.23
Dividend Yield
179.60%
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
Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bearish
OBV
Mildly Bearish
Bullish
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend0What is working for the Company
NO KEY POSITIVE TRIGGERS
-13What is not working for the Company
INTEREST(HY)
At GBP 1.4 MM has Grown at 180%
OPERATING CASH FLOW(Y)
Lowest at GBP 21.2 MM
INTEREST COVERAGE RATIO(Q)
Lowest at 771.43
DEBT-EQUITY RATIO
(HY)
Highest at 31.5 %
RAW MATERIAL COST(Y)
Grown by 12.61% (YoY
Here's what is working for Fintel Plc
Depreciation
Highest at GBP 3.5 MM
in the last five periodsMOJO Watch
The expenditure on assets done by the company may have gone into operation
Depreciation (GBP MM)
Here's what is not working for Fintel Plc
Interest
At GBP 1.4 MM has Grown at 180%
over previous Semi-Annual periodMOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Interest Coverage Ratio
Lowest at 771.43 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 21.2 MM and Fallen
In each year in the last three yearsMOJO Watch
The company's cash revenues from business operations are falling
Operating Cash Flows (GBP MM)
Debt-Equity Ratio
Highest at 31.5 % and Grown
In each half year 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
Raw Material Cost
Grown by 12.61% (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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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