Fintel Plc (SBIZ) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

Franchise Brands plc

Elixirr International Plc

Mattioli Woods Plc

IP Group Plc

FRP Advisory Group Plc

Restore Plc

Fintel Plc

Alpha Financial Markets Consulting Plc

Ricardo Plc

Capita Plc

Avacta Group Plc

Why is Fintel Plc ?

Company's ability to service its debt is strong with a healthy EBIT to Interest (avg) ratio of 11.65

Poor long term growth as Operating profit has grown by an annual rate 8.04% of over the last 5 years

Positive results in Dec 25

CASH AND EQV(HY) Highest at GBP 17.3 MM
NET SALES(Q) Highest at GBP 43.5 MM
OPERATING PROFIT(Q) Highest at GBP 14.3 MM

With ROE of 9.84%, it has a expensive valuation with a 1.69 Price to Book Value

Over the past year, while the stock has generated a return of -32.81%, its profits have fallen by -7.5%

Below par performance in long term as well as near term

Along with generating -32.81% 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 Report

Verdict Report

How much should you hold?

Overall Portfolio exposure to Fintel Plc should be less than 10%
Overall Portfolio exposure to Miscellaneous should be less than 30%

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

When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock

Is Fintel Plc for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Fintel Plc

-32.81%

-1.16

38.16%

FTSE 100

17.87%

1.52

11.77%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

7.08%

EBIT Growth (5y)

8.04%

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

62.81%

Pledged Shares

Institutional Holding

ROCE (avg)

14.03%

ROE (avg)

12.46%

Valuation

Valuation Scorecard

Valuation grade scale :

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

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

1.69

EV to EBIT

11.58

EV to EBITDA

8.26

EV to Capital Employed

1.54

EV to Sales

2.41

PEG Ratio

Dividend Yield

207.68%

ROCE (Latest)

13.27%

ROE (Latest)

9.84%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Mildly Bullish

Bearish

Dow Theory

Mildly Bearish

No Trend

OBV

Mildly Bearish

Mildly Bullish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

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

6What is working for the Company

CASH AND EQV(HY)

Highest at GBP 17.3 MM

NET SALES(Q)

Highest at GBP 43.5 MM

OPERATING PROFIT(Q)

Highest at GBP 14.3 MM

OPERATING PROFIT MARGIN(Q)

Highest at 32.87 %

PRE-TAX PROFIT(Q)

Highest at GBP 8.9 MM

EPS(Q)

Highest at GBP 0.04

-3What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at GBP 20.1 MM

Here's what is working for Fintel Plc

Net Sales

Highest at GBP 43.5 MM

in the last five periods

MOJO Watch

Near term sales trend is positive

Net Sales (GBP MM)

Operating Profit

Highest at GBP 14.3 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is positive

Operating Profit (GBP MM)

Operating Profit Margin

Highest at 32.87 %

in the last five periods

MOJO Watch

Company's profit margin has improved

Operating Profit to Sales

Pre-Tax Profit

Highest at GBP 8.9 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is positive

Pre-Tax Profit (GBP MM)

EPS

Highest at GBP 0.04

in the last five periods

MOJO Watch

Increasing profitability; company has created higher earnings for shareholders

EPS (GBP)

Cash and Eqv

Highest at GBP 17.3 MM

in the last six Semi-Annual periods

MOJO Watch

Short Term liquidity is improving

Cash and Cash Equivalents

Depreciation

Highest at GBP 3.7 MM

in the last five periods

MOJO 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

Operating Cash Flow

Lowest at GBP 20.1 MM and Fallen

In each year in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (GBP MM)