DB:F4C

Stock Analysis Report

Mobi724 Global Solutions

Executive Summary

Mobi724 Global Solutions Inc., a financial technology company, provides card-link, customer engagement and retention, and payments solutions in North and Latin America, the Caribbean, and the Asia Pacific.


Snowflake Analysis

Mediocre balance sheet and overvalued.


Similar Companies

Share Price & News

How has Mobi724 Global Solutions's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: F4C's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

1000.0%

F4C

15.9%

DE IT

9.9%

DE Market


1 Year Return

-73.8%

F4C

-0.03%

DE IT

-17.5%

DE Market

Return vs Industry: F4C underperformed the German IT industry which returned -0% over the past year.

Return vs Market: F4C underperformed the German Market which returned -17.5% over the past year.


Shareholder returns

F4CIndustryMarket
7 Day1000.0%15.9%9.9%
30 Day-15.4%-11.7%-16.6%
90 Day-54.2%-11.6%-24.8%
1 Year-73.8%-73.8%0.7%-0.03%-15.0%-17.5%
3 Year-97.9%-97.9%75.1%69.8%-17.4%-24.5%
5 Year-96.0%-96.0%156.3%145.5%-16.6%-28.1%

Price Volatility Vs. Market

How volatile is Mobi724 Global Solutions's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Mobi724 Global Solutions undervalued compared to its fair value and its price relative to the market?

2.17x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate F4C's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate F4C's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: F4C is unprofitable, so we can't compare its PE Ratio to the IT industry average.

PE vs Market: F4C is unprofitable, so we can't compare its PE Ratio to the German market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate F4C's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: F4C is good value based on its PB Ratio (2.2x) compared to the DE IT industry average (3.2x).


Next Steps

Future Growth

How is Mobi724 Global Solutions forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?

22.1%

Forecasted Software industry annual growth in earnings


In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Mobi724 Global Solutions has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.

This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.


Next Steps

Past Performance

How has Mobi724 Global Solutions performed over the past 5 years?

-14.1%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: F4C is currently unprofitable.

Growing Profit Margin: F4C is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: F4C is unprofitable, and losses have increased over the past 5 years at a rate of -14.1% per year.

Accelerating Growth: Unable to compare F4C's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: F4C is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (2.5%).


Return on Equity

High ROE: F4C has a negative Return on Equity (-261.7%), as it is currently unprofitable.


Next Steps

Financial Health

How is Mobi724 Global Solutions's financial position?


Financial Position Analysis

Short Term Liabilities: F4C's short term assets (CA$3.5M) exceed its short term liabilities (CA$3.1M).

Long Term Liabilities: F4C's short term assets (CA$3.5M) exceed its long term liabilities (CA$76.8K).


Debt to Equity History and Analysis

Debt Level: F4C's debt to equity ratio (67.7%) is considered high.

Reducing Debt: F4C had negative shareholder equity 5 years ago, but is now positive and has therefore improved.


Balance Sheet

Inventory Level: F4C has a low level of unsold assets or inventory.

Debt Coverage by Assets: F4C's debt is covered by short term assets (assets are 2x debt).


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: F4C has less than a year of cash runway based on its current free cash flow.

Forecast Cash Runway: F4C has less than a year of cash runway if free cash flow continues to grow at historical rates of 2.9% each year.


Next Steps

Dividend

What is Mobi724 Global Solutions's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate F4C's dividend yield against the bottom 25% of dividend payers, as the company has not reported any payouts.

High Dividend: Unable to evaluate F4C's dividend yield against the top 25% of dividend payers, as the company has not reported any payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if F4C's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if F4C'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 F4C's dividend in 3 years as they are not forecast to pay a notable one for the German market.


Next Steps

Management

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

1.6yrs

Average management tenure


CEO

Marcel Vienneau

5.25s

Tenure

CA$290,094

Compensation

Mr. Marcel Vienneau, CPA, has been the Chief Executive Officer of Mobi724 Global Solutions Inc. since December 04, 2014 and serves as its President. Mr. Vienneau is a Co-Founder of Mobi724 Solutions Inc. a ...


CEO Compensation Analysis

Compensation vs Market: Marcel's total compensation ($USD205.17K) is below average for companies of similar size in the German market ($USD431.45K).

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


Leadership Team

NamePositionTenureCompensationOwnership
Marcel Vienneau
CEO, President & Director5.25yrsCA$290.09k10.3% CA$360.9k
Allan Rosenhek
CFO & Director4.58yrsno data3.26% CA$114.2k
Johnny Hawa
Chief Operating Officer1.67yrsCA$158.75k2.04% CA$71.4k
David Beauchemin
Chief Technology Officerno dataCA$192.64k0.75% CA$26.4k
Michael Schuck
President of USA Business1.58yrsCA$158.65kno data
Marc Chartrand
Vice President of Accountingno datano datano data
Jorge Sierra
Chief Sales Officer1.58yrsno datano data

1.6yrs

Average Tenure

Experienced Management: F4C's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Marcel Vienneau
CEO, President & Director5.25yrsCA$290.09k10.3% CA$360.9k
Allan Rosenhek
CFO & Director4.58yrsno data3.26% CA$114.2k
Louis Bélanger-Martin
Independent Director0.75yrno datano data
Vincent Hogue
Chairman of the Board of Director0.75yrno data0.34% CA$11.8k
Jacques Côté
Independent Director4.58yrsno data0.0066% CA$232.4

0.8yrs

Average Tenure

Experienced Board: F4C's board of directors are not considered experienced ( 0.8 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 8.1%.


Top Shareholders

Company Information

Mobi724 Global Solutions Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Mobi724 Global Solutions Inc.
  • Ticker: F4C
  • Exchange: DB
  • Founded: 2005
  • Industry: Data Processing and Outsourced Services
  • Sector: Software
  • Market Cap: CA$5.467m
  • Listing Market Cap: CA$3.505m
  • Shares outstanding: 218.68m
  • Website: https://www.mobi724.com

Number of Employees


Location

  • Mobi724 Global Solutions Inc.
  • 257 Sherbrooke Street East
  • Suite 400
  • Montreal
  • Quebec
  • H2X 1E3
  • Canada

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
MOSTSXV (TSX Venture Exchange)YesCommon SharesCACADJul 2012
MOBI.FOTCPK (Pink Sheets LLC)YesCommon SharesUSUSDJul 2012
F4CDB (Deutsche Boerse AG)YesCommon SharesDEEURJul 2012

Biography

Mobi724 Global Solutions Inc., a financial technology company, provides card-link, customer engagement and retention, and payments solutions in North and Latin America, the Caribbean, and the Asia Pacific. The company operates through three segments: Card-Linked Offers & Rewards (CLO&R), Digital Marketing & Business Intelligence (DMBI), and EMV Payments (Payments). The CLO&R segment offers card issuers, banks, and merchants to issue offers and rewards linked to a payment card, which can be redeemed at the point of sale. The DMBI segment provides loyalty and customer relationship solutions for banks and retailers to deliver, manage, and control various reward options; various tactical/promotional solutions for retailers; and array of tools, which enables merchants and payment card issuers to extract customer’s purchase data and other indicators to measure performance. The Payments segment offers a turnkey solution to merchants and financial institutions to capture card transactions on mobile devices and payment hosts. It provides turn-key solutions for card associations, card issuers, banks, retailers, and manufacturers. The company was formerly known as Hybrid Paytech World Inc. and changed its name to Mobi724 Global Solutions Inc. in February 2015. Mobi724 Global Solutions Inc. was founded in 2005 and is headquartered in Montreal, Canada. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/03/30 23:29
End of Day Share Price2020/03/30 00:00
Earnings2019/09/30
Annual Earnings2018/12/31


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.