Manx Financial Group PLC, through its subsidiaries, provides asset and personal finance, prepaid cards, and wealth management services in the Isle of Man, the United Kingdom, and the Channel Island. More Details
Undervalued with imperfect balance sheet.
Share Price & News
How has Manx Financial Group's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: MFX is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 3% a week.
Volatility Over Time: MFX's weekly volatility (3%) has been stable over the past year.
7 Day Return
GB Consumer Finance
1 Year Return
GB Consumer Finance
Return vs Industry: MFX underperformed the UK Consumer Finance industry which returned 56.4% over the past year.
Return vs Market: MFX underperformed the UK Market which returned 22.5% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Manx Financial Group's share price compared to the market and industry in the last 5 years?
Simply Wall St News
Is Manx Financial Group undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: MFX (£0.07) is trading below our estimate of fair value (£0.24)
Significantly Below Fair Value: MFX is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: MFX is good value based on its PE Ratio (4.5x) compared to the UK Consumer Finance industry average (17.9x).
PE vs Market: MFX is good value based on its PE Ratio (4.5x) compared to the UK market (23.5x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate MFX's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: MFX is good value based on its PB Ratio (0.4x) compared to the GB Consumer Finance industry average (1.1x).
How is Manx Financial Group forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Forecasted Diversified Financials 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 Manx Financial Group 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.
How has Manx Financial Group performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: MFX has a high level of non-cash earnings.
Growing Profit Margin: MFX's current net profit margins (12.2%) are lower than last year (13.4%).
Past Earnings Growth Analysis
Earnings Trend: MFX's earnings have grown by 7.5% per year over the past 5 years.
Accelerating Growth: MFX's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: MFX had negative earnings growth (-27.6%) over the past year, making it difficult to compare to the Consumer Finance industry average (-38.4%).
Return on Equity
High ROE: MFX's Return on Equity (8.8%) is considered low.
How is Manx Financial Group's financial position?
Financial Position Analysis
Short Term Liabilities: MFX's short term assets (£229.4M) exceed its short term liabilities (£220.2M).
Long Term Liabilities: MFX's short term assets (£229.4M) exceed its long term liabilities (£25.4M).
Debt to Equity History and Analysis
Debt Level: MFX's debt to equity ratio (99.1%) is considered high.
Reducing Debt: MFX's debt to equity ratio has increased from 65% to 99.1% over the past 5 years.
Debt Coverage: MFX's operating cash flow is negative, therefore debt is not well covered.
Interest Coverage: Insufficient data to determine if MFX's interest payments on its debt are well covered by EBIT.
What is Manx Financial Group current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: MFX's dividend (2.37%) is higher than the bottom 25% of dividend payers in the UK market (1.32%).
High Dividend: MFX's dividend (2.37%) is low compared to the top 25% of dividend payers in the UK market (3.93%).
Stability and Growth of Payments
Stable Dividend: Too early to tell whether MFX's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if MFX's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Dividend Coverage: With its low payout ratio (10.6%), MFX's dividend payments are thoroughly covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: Insufficient data to determine if a dividend will be paid in 3 years and that it will be covered by earnings.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Denham Hervey Eke (69 yo)
Mr. Denham Hervey Newall Eke serves as Investor Director of Beckley Psytech Limited. Mr. Eke serves as a Director of Juvenescence Ltd. and served as its Executive Director. Mr. Eke serves as the Chief Fina...
CEO Compensation Analysis
Compensation vs Market: Denham Hervey's total compensation ($USD60.81K) is below average for companies of similar size in the UK market ($USD324.01K).
Compensation vs Earnings: Denham Hervey's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Experienced Management: MFX's management team is seasoned and experienced (11.6 years average tenure).
Experienced Board: MFX's board of directors are seasoned and experienced ( 12.5 years average tenure).
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.
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Manx Financial Group PLC's company bio, employee growth, exchange listings and data sources
- Name: Manx Financial Group PLC
- Ticker: MFX
- Exchange: AIM
- Founded: 1935
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: UK£8.274m
- Shares outstanding: 114.13m
- Website: https://www.mfg.im
Number of Employees
- Manx Financial Group PLC
- Clarendon House
- Victoria Street
- IM1 2LN
- Isle of Man
Manx Financial Group PLC, through its subsidiaries, provides asset and personal finance, prepaid cards, and wealth management services in the Isle of Man, the United Kingdom, and the Channel Island. The co...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/08/02 22:48|
|End of Day Share Price||2021/08/02 00:00|
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.