IEC Stock Overview

Provides online consumer loans in the United States. More details

IEC fundamental analysis
Snowflake Score
Valuation	4/6
Future Growth	0/6
Past Performance	1/6
Financial Health	6/6
Dividends	0/6

Rewards

Trading at 95.7% below our estimate of its fair value

Risk Analysis

Highly volatile share price over the past 3 months compared to the UK market

Latest financial reports are more than a year old

Makes less than USD$1m in revenue (£648K)

Shareholders have been substantially diluted in the past year

+ 2 more risks

My Notes

Capture your thoughts, links and company narrative

Investment Evolution Credit plc Competitors

Manx Financial Group

AIM:MFX

UK£16.5m

Ramsdens Holdings

AIM:RFX

UK£71.8m

ASA International Group

LSE:ASAI

UK£77.5m

H&T Group

AIM:HAT

UK£151.3m

Price History & Performance

Summary of share price highs, lows and changes for Investment Evolution Credit
Historical stock prices
Current Share Price	UK£0.13
52 Week High	UK£0
52 Week Low	UK£0
Beta	0
1 Month Change	0%
3 Month Change	-75.00%
1 Year Change	-37.50%
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	108.33%

Recent updates

Shareholder Returns

	IEC	GB Consumer Finance	GB Market
7D	0%	-2.0%	-2.6%
1Y	-37.5%	-2.3%	2.4%

Return vs Industry: IEC underperformed the UK Consumer Finance industry which returned -2.3% over the past year.

Return vs Market: IEC underperformed the UK Market which returned 2.4% over the past year.

Price Volatility

Is IEC's price volatile compared to industry and market?
IEC volatility
IEC Average Weekly Movement	19.8%
Consumer Finance Industry Average Movement	5.6%
Market Average Movement	4.8%
10% most volatile stocks in GB Market	10.6%
10% least volatile stocks in GB Market	2.6%

Stable Share Price: IEC's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: IEC's weekly volatility (20%) has been stable over the past year, but is still higher than 75% of UK stocks.

About the Company

Founded	Employees	CEO	Website
2010	n/a	Marc Howells	www.investmentevolution.com

Investment Evolution Credit plc provides online consumer loans in the United States. It offers online personal loans under the Mr. Amazing Loans brand. The company was founded in 2010 and is based in London, the United Kingdom.

Investment Evolution Credit plc Fundamentals Summary

How do Investment Evolution Credit's earnings and revenue compare to its market cap?
IEC fundamental statistics
Market cap	UK£7.78m
Earnings (TTM)	UK£1.78m
Revenue (TTM)	UK£647.76k

4.4x

P/E Ratio

12.0x

P/S Ratio

Is IEC overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
IEC income statement (TTM)
Revenue	UK£647.76k
Cost of Revenue	UK£0
Gross Profit	UK£647.76k
Other Expenses	-UK£1.13m
Earnings	UK£1.78m

Last Reported Earnings

Jun 30, 2023

Next Earnings Date

n/a

Earnings per share (EPS)	0.029
Gross Margin	100.00%
Net Profit Margin	274.46%
Debt/Equity Ratio	0%

How did IEC perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2024/12/22 05:55
End of Day Share Price	2024/12/20 00:00
Earnings	2023/06/30
Annual Earnings	2023/06/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

Investment Evolution Credit plc is covered by 0 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution