ThinkSmart Limited, a digital payments company, provides leasing point of sale finance for consumers and businesses in the United Kingdom and Australia. More Details
Flawless balance sheet with solid track record.
Share Price & News
How has ThinkSmart's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: TSL is more volatile than 75% of UK stocks over the past 3 months, typically moving +/- 12% a week.
Volatility Over Time: TSL's weekly volatility (12%) has been stable over the past year, but is still higher than 75% of UK stocks.
7 Day Return
GB Consumer Finance
1 Year Return
GB Consumer Finance
Return vs Industry: TSL exceeded the UK Consumer Finance industry which returned -31.1% over the past year.
Return vs Market: TSL exceeded the UK Market which returned -10.2% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is ThinkSmart's share price compared to the market and industry in the last 5 years?
Simply Wall St News
2 months ago | Simply Wall StHow Much Are ThinkSmart Limited (LON:TSL) Insiders Spending On Buying Shares?
5 months ago | Simply Wall StWhat Kind Of Investor Owns Most Of ThinkSmart Limited (LON:TSL)?
9 months ago | Simply Wall StThinkSmart (LON:TSL) Shareholders Have Enjoyed A 46% Share Price Gain
Is ThinkSmart undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: Insufficient data to calculate TSL's fair value to establish if it is undervalued.
Significantly Below Fair Value: Insufficient data to calculate TSL's fair value to establish if it is undervalued.
Price To Earnings Ratio
PE vs Industry: TSL is good value based on its PE Ratio (1.2x) compared to the GB Consumer Finance industry average (6.9x).
PE vs Market: TSL is good value based on its PE Ratio (1.2x) compared to the UK market (20.4x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate TSL's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: TSL's PB Ratio (0.9x) is in line with the GB Consumer Finance industry average.
How is ThinkSmart forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if TSL's forecast earnings growth is above the savings rate (1.2%).
Earnings vs Market: Insufficient data to determine if TSL's earnings are forecast to grow faster than the UK market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: TSL's revenue is expected to decline over the next 3 years (-70.4% per year).
High Growth Revenue: TSL's revenue is forecast to decline over the next 3 years (-70.4% per year).
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if TSL's Return on Equity is forecast to be high in 3 years time
How has ThinkSmart performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: TSL has a high level of non-cash earnings.
Growing Profit Margin: TSL's current net profit margins are higher than last year (12.5%).
Past Earnings Growth Analysis
Earnings Trend: TSL's earnings have grown significantly by 72.5% per year over the past 5 years.
Accelerating Growth: TSL's earnings growth over the past year (5112.2%) exceeds its 5-year average (72.5% per year).
Earnings vs Industry: TSL earnings growth over the past year (5112.2%) exceeded the Consumer Finance industry 5.9%.
Return on Equity
High ROE: TSL's Return on Equity (79.8%) is considered outstanding.
How is ThinkSmart's financial position?
Financial Position Analysis
Short Term Liabilities: TSL's short term assets (£10.3M) exceed its short term liabilities (£2.2M).
Long Term Liabilities: TSL's short term assets (£10.3M) exceed its long term liabilities (£827.0K).
Debt to Equity History and Analysis
Debt Level: TSL is debt free.
Reducing Debt: TSL has no debt compared to 5 years ago when its debt to equity ratio was 9.3%.
Debt Coverage: TSL has no debt, therefore it does not need to be covered by operating cash flow.
Interest Coverage: TSL has no debt, therefore coverage of interest payments is not a concern.
What is ThinkSmart current dividend yield, its reliability and sustainability?
Dividend Yield vs Market
Notable Dividend: Unable to evaluate TSL's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate TSL'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 TSL's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if TSL's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: TSL is not paying a notable dividend for the UK market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of TSL's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
How experienced are the management team and are they aligned to shareholders interests?
Average board tenure
Ned Montarello (59 yo)
Mr. Natale Ronald Montarello, also known as Ned, is the Founder of ThinkSmart Limited in 1996 and has been its Executive Chairman since May 22, 2010. Mr. Montarello has been Chief Executive Officer at Thin...
CEO Compensation Analysis
Compensation vs Market: Ned's total compensation ($USD329.89K) is about average for companies of similar size in the UK market ($USD346.40K).
Compensation vs Earnings: Ned's compensation has been consistent with company performance over the past year.
|Executive Chairman & CEO||2.83yrs||UK£247.05k||29.42% |
|Group CFO & Executive Director||3.92yrs||UK£161.49k||no data|
|Independent Non-Executive Director||3.92yrs||UK£20.00k||no data|
|Independent Non-Executive Director||4.5yrs||UK£27.24k||10.34% |
|Independent Non-Executive Director||3.92yrs||UK£30.00k||0.094% |
Experienced Board: TSL's board of directors are considered experienced (3.9 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.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
ThinkSmart Limited's company bio, employee growth, exchange listings and data sources
- Name: ThinkSmart Limited
- Ticker: TSL
- Exchange: AIM
- Founded: 1996
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: UK£62.308m
- Shares outstanding: 106.51m
- Website: https://www.thinksmartworld.com
- ThinkSmart Limited
- 531 Hay Street
- Suite 5
- Western Australia
|Ticker||Exchange||Primary Security||Security Type||Country||Currency||Listed on|
|TSL||AIM (London Stock Exchange AIM Market)||Yes||New Ordinary Shares||GB||GBP||Dec 2016|
|FAT1||DB (Deutsche Boerse AG)||Yes||New Ordinary Shares||DE||EUR||Dec 2016|
ThinkSmart Limited, a digital payments company, provides leasing point of sale finance for consumers and businesses in the United Kingdom and Australia. It offers payment propositions, digital credit decis...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2020/11/24 20:53|
|End of Day Share Price||2020/11/24 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.