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FCL

FINEOS Corporation HoldingsASX:FCL Stock Report

Market Cap

AU$1.3b

7D

-7.0%

1Y

-22.7%

Updated

18 Oct, 2021

Data

Company Financials +
FCL fundamental analysis
Snowflake Score
Valuation0/6
Future Growth4/6
Past Performance0/6
Financial Health5/6
Dividends0/6

FCL Overview

FINEOS Corporation Holdings plc engages in the development and sale of enterprise claims and policy management software for the life, accident, and health insurance industry worldwide.

FINEOS Corporation Holdings Competitors

Tata Consultancy Services

NSEI:TCS

₹13.4t

SAP

XTRA:SAP

€149.0b

Perrigo

NYSE:PRGO

US$6.0b

Duck Creek Technologies

NasdaqGS:DCT

US$4.6b

Price History & Performance

Summary of all time highs, changes and price drops for FINEOS Corporation Holdings
Historical stock prices
Current Share PriceAU$3.88
52 Week HighAU$3.36
52 Week LowAU$5.04
Beta0.26
1 Month Change-13.78%
3 Month Change1.04%
1 Year Change-22.71%
3 Year Changen/a
5 Year Changen/a
Change since IPO43.70%

Recent News & Updates

Shareholder Returns

FCLAU SoftwareAU Market
7D-7.0%2.8%0.9%
1Y-22.7%27.7%20.2%

Return vs Industry: FCL underperformed the Australian Software industry which returned 27.7% over the past year.

Return vs Market: FCL underperformed the Australian Market which returned 20.2% over the past year.

Price Volatility

Is FCL's price volatile compared to industry and market?
FCL volatility
FCL Beta0.26
Industry Beta0.84
Market Beta1

Stable Share Price: FCL is not significantly more volatile than the rest of Australian stocks over the past 3 months, typically moving +/- 6% a week.

Volatility Over Time: FCL's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
19931,065Michael Kellyhttps://www.fineos.com

FINEOS Corporation Holdings plc engages in the development and sale of enterprise claims and policy management software for the life, accident, and health insurance industry worldwide. The company offers FINEOS Platform, a software-as-a-service core insurance platform. Its FINEOS Platform comprises FINEOS AdminSuite, a comprehensive core insurance suite; FINEOS Engage, a digital tool that offers role-based portals for employees, employers, intermediaries, and providers; and FINEOS Insight that offers real-time analytics and embed predictive insights in core business processes.

FINEOS Corporation Holdings Fundamentals Summary

How do FINEOS Corporation Holdings's earnings and revenue compare to its market cap?
FCL fundamental statistics
Market Cap€803.70m
Earnings (TTM)-€12.49m
Revenue (TTM)€108.34m

7.3x

P/S Ratio

-63.4x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
FCL income statement (TTM)
Revenue€108.34m
Cost of Revenue€36.29m
Gross Profit€72.05m
Expenses€84.53m
Earnings-€12.49m

Last Reported Earnings

Jun 30, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.039
Gross Margin66.50%
Net Profit Margin-11.52%
Debt/Equity Ratio0%

How did FCL perform over the long term?

See historical performance and comparison

Valuation

Is FINEOS Corporation Holdings undervalued compared to its fair value and its price relative to the market?

5.81x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate FCL's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate FCL's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: FCL is unprofitable, so we can't compare its PE Ratio to the Australian Software industry average.

PE vs Market: FCL is unprofitable, so we can't compare its PE Ratio to the Australian market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate FCL's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: FCL is overvalued based on its PB Ratio (5.8x) compared to the AU Software industry average (5.2x).


Future Growth

How is FINEOS Corporation Holdings forecast to perform in the next 1 to 3 years based on estimates from 5 analysts?

70.1%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: FCL is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).

Earnings vs Market: FCL is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: FCL's is expected to become profitable in the next 3 years.

Revenue vs Market: FCL's revenue (10.1% per year) is forecast to grow faster than the Australian market (5.5% per year).

High Growth Revenue: FCL's revenue (10.1% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: FCL's Return on Equity is forecast to be low in 3 years time (1.3%).


Past Performance

How has FINEOS Corporation Holdings performed over the past 5 years?

-67.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: FCL is currently unprofitable.

Growing Profit Margin: FCL is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: FCL is unprofitable, and losses have increased over the past 5 years at a rate of 67.7% per year.

Accelerating Growth: Unable to compare FCL's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: FCL is unprofitable, making it difficult to compare its past year earnings growth to the Software industry (37.5%).


Return on Equity

High ROE: FCL has a negative Return on Equity (-9.16%), as it is currently unprofitable.


Financial Health

How is FINEOS Corporation Holdings's financial position?


Financial Position Analysis

Short Term Liabilities: FCL's short term assets (€43.6M) exceed its short term liabilities (€34.4M).

Long Term Liabilities: FCL's short term assets (€43.6M) exceed its long term liabilities (€13.7M).


Debt to Equity History and Analysis

Debt Level: FCL is debt free.

Reducing Debt: FCL has no debt compared to 5 years ago when its debt to equity ratio was 0.2%.


Balance Sheet


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: FCL has less than a year of cash runway based on its current free cash flow.

Forecast Cash Runway: FCL has sufficient cash runway for 1.2 years if free cash flow continues to reduce at historical rates of 31.1% each year.


Dividend

What is FINEOS Corporation Holdings's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate FCL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate FCL's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if FCL's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if FCL's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of FCL's dividend in 3 years as they are not forecast to pay a notable one for the Australian market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

12.8yrs

Average management tenure


CEO

Michael Kelly

no data

Tenure

€440,946

Compensation

Mr. Michael Kelly founded FINEOS Corporation Holdings plc in 1993 and serves as its Chief Executive Officer. Mr. Kelly has been Director of FINEOS Corporation Holdings plc since December 12, 2018. Mr. Kell...


CEO Compensation Analysis

Compensation vs Market: Michael's total compensation ($USD511.54K) is below average for companies of similar size in the Australian market ($USD998.78K).

Compensation vs Earnings: Michael's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: FCL's management team is seasoned and experienced (12.8 years average tenure).


Board Members

Experienced Board: FCL's board of directors are not considered experienced ( 2.5 years average tenure), which suggests a new board.


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 5.7%.


Top Shareholders

Company Information

FINEOS Corporation Holdings plc's employee growth, exchange listings and data sources


Key Information

  • Name: FINEOS Corporation Holdings plc
  • Ticker: FCL
  • Exchange: ASX
  • Founded: 1993
  • Industry: Application Software
  • Sector: Software
  • Market Cap: AU$1.256b
  • Shares outstanding: 318.82m
  • Website: https://www.fineos.com

Number of Employees


Location

  • FINEOS Corporation Holdings plc
  • FINEOS House
  • Eastpoint Business Park
  • Dublin
  • Co. Dublin
  • 3
  • Ireland

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/10/18 07:03
End of Day Share Price2021/10/18 00:00
Earnings2021/06/30
Annual Earnings2021/06/30


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.