New Risk • Jul 09
New major risk - Share price stability The company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of British stocks, typically moving 11% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-UK£3.7m free cash flow). Share price has been highly volatile over the past 3 months (11% average weekly change). Earnings have declined by 2.4% per year over the past 5 years. Shareholders have been substantially diluted in the past year (39% increase in shares outstanding). Revenue is less than US$1m (UK£663k revenue, or US$888k). Minor Risk Market cap is less than US$100m (UK£17.9m market cap, or US$24.0m). Announcement • Jul 01
Fiinu Plc Announces Resignation of Sami Kalliola as Chief Strategy Officer and Director , Effective on 26 June 2026 Fiinu Plc announced that Sami Kalliola has resigned from his position as Chief Strategy Officer and Director with effect from 26 June 2026. Sami will continue to support business development of European white-label Licensing opportunities. New Risk • Jun 30
New major risk - Revenue and earnings growth Earnings have declined by 2.4% per year over the past 5 years. This is considered a major risk. Ultimately, shareholders want to see a good return on their investment and that generally comes from sharing in the company's profits. If profits are declining over an extended period, then in most cases the share price will decline over time unless the company can turn around its fortunes. A trend of falling earnings can be very difficult to turn around. If the company is well already established it may also be a sign the company has matured and is in decline. In addition, if the company pays dividends it will also likely need to reduce or cut them, striking a dual blow to total shareholder returns. Currently, the following risks have been identified for the company: Major Risks Less than 1 year of cash runway based on free cash flow trend (-UK£3.7m free cash flow). Earnings have declined by 2.4% per year over the past 5 years. Shareholders have been substantially diluted in the past year (39% increase in shares outstanding). Revenue is less than US$1m (UK£663k revenue, or US$877k). Minor Risks Share price has been volatile over the past 3 months (10% average weekly change). Market cap is less than US$100m (UK£20.4m market cap, or US$27.0m). New Risk • Apr 24
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 8.3% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risks Shareholders have been substantially diluted in the past year (39% increase in shares outstanding). Revenue is less than US$1m. Minor Risks Latest financial reports are more than 6 months old (reported June 2025 fiscal period end). Share price has been volatile over the past 3 months (8.3% average weekly change). Market cap is less than US$100m (UK£30.9m market cap, or US$41.8m). New Risk • Mar 27
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended June 2025. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Shareholders have been substantially diluted in the past year (39% increase in shares outstanding). Revenue is less than US$1m. Minor Risks Latest financial reports are more than 6 months old (reported June 2025 fiscal period end). Market cap is less than US$100m (UK£26.4m market cap, or US$35.1m). Board Change • Nov 15
Less than half of directors are independent Following the recent departure of a director, there are only 3 independent directors on the board. The company's board is composed of: 3 independent directors. 4 non-independent directors. Independent Non-Executive Director Paul Barnes was the last independent director to join the board, commencing their role in 2025. The company's minority of independent directors is a risk according to the Simply Wall St Risk Model. Announcement • Sep 22
Fiinu Plc announced that it expects to receive £2 million in funding from Conister Bank Limited Fiinu Plc announced that it has entered into an convertible loan facility agreement for issuance of convertible loan note for gross proceeds of GBP 2,000,000 on September 22, 2025. The transaction includes participation from Conister Bank Limited ("Conister"). The loan carries an interest rate of 10% per annum, payable annually in cash, with a repayment date falling 24 months from drawdown, unless converted into Fiinu equity earlier in accordance with the terms of the Facility Agreement. Under the Facility Agreement, Conister has the right to convert the entire Loan into 20,000,000 new ordinary shares in Fiinu at a conversion price of GBP 0.10 per share. Any shares issued pursuant to the conversion of the Loan will rank pari passu with the Company's existing ordinary shares and will be admitted to trading on AIM. The note has a term of 2 year. Announcement • Sep 15
Fiinu Plc has filed a Follow-on Equity Offering in the amount of £0.9 million. Fiinu Plc has filed a Follow-on Equity Offering in the amount of £0.9 million.
Security Name: Ordinary Shares
Security Type: Common Stock
Securities Offered: 4,500,000
Price\Range: £0.2 Announcement • Sep 02
Fiinu Plc has filed a Follow-on Equity Offering in the amount of £1.41 million. Fiinu Plc has filed a Follow-on Equity Offering in the amount of £1.41 million.
Security Name: Ordinary Shares
Security Type: Common Stock
Securities Offered: 9,400,000
Price\Range: £0.15 Announcement • Aug 28
Fiinu plc Announces Board Appointments Fiinu Plc announced that As set out in the Company's Admission Document dated 7 August 2025, the following two individuals have been appointed to the Company's Board of Directors with effect from Admission: Sami Kalliola- Chief Strategy Officer; Mark Wallace- Independent Non-Executive Director, and Chair of Everfex. New Risk • Aug 27
New major risk - Shareholder dilution The company's shareholders have been substantially diluted in the past year. Increase in shares outstanding: 38% This is considered a major risk. Shareholder dilution occurs when there is an increase in the number of shares on issue that is not proportionally distributed between all shareholders. Often due to the company raising equity capital or some options being converted into stock. All else being equal, if there are more shares outstanding then each existing share will be entitled to a lower proportion of the company's total earnings, thus reducing earnings per share (EPS). While dilution might not always result in lower EPS (like if the company is using the capital to fund an EPS accretive acquisition) in a lot cases it does, along with lower dividends per share and less voting power at shareholder meetings. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (17% average weekly change). Negative equity (-UK£5.0m). Earnings have declined by 10% per year over the past 5 years. Shareholders have been substantially diluted in the past year (38% increase in shares outstanding). Revenue is less than US$1m. Minor Risk Market cap is less than US$100m (UK£53.8m market cap, or US$72.3m). Board Change • Aug 27
Insufficient new directors No new directors have joined the board in the last 3 years. The company's board is composed of: No new directors. 2 experienced directors. 1 highly experienced director. Independent Non-Executive Chairman David Hopton was the last director to join the board, commencing their role in 2022. The company’s insufficient board refreshment is considered a risk according to the Simply Wall St Risk Model. New Risk • Aug 12
New major risk - Share price stability The company's share price has been highly volatile over the past 3 months. It is more volatile than 90% of British stocks, typically moving 15% a week. This is considered a major risk. Share price volatility increases the risk of potential losses in the short-term as the stock tends to have larger drops in price more frequently than other stocks. It may also indicate the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (15% average weekly change). Negative equity (-UK£5.0m). Earnings have declined by 10% per year over the past 5 years. Revenue is less than US$1m. Minor Risk Market cap is less than US$100m (UK£45.7m market cap, or US$61.6m). New Risk • Jun 22
New major risk - Negative shareholders equity The company has negative equity. Total equity: -UK£5.0m This is considered a major risk. Being in negative equity means that the company's liabilities exceed its assets, meaning it owes more to creditors than it has in owned assets. While this doesn't mean the company is about to collapse, in the long-term, this is unsustainable. The company may have issues meeting financial obligations, is at risk of becoming insolvent and may have difficulty raising capital, especially more debt, if needed. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (12% average weekly change). Negative equity (-UK£5.0m). Earnings have declined by 10% per year over the past 5 years. Revenue is less than US$1m. Minor Risk Market cap is less than US$100m (UK£19.4m market cap, or US$26.1m). Announcement • May 30
Fiinu Plc, Annual General Meeting, Jun 26, 2025 Fiinu Plc, Annual General Meeting, Jun 26, 2025. Location: the offices of fladgate llp, 16 great queen street, wc2b 5dg, london United Kingdom New Risk • Apr 07
New minor risk - Financial data availability The company's latest financial reports are more than 6 months old. Last reported fiscal period ended June 2024. This is considered a minor risk. If the company has not reported its earnings on time, it may have been delayed due to audit problems or it may be finding it difficult to reconcile its accounts. Currently, the following risks have been identified for the company: Major Risks Share price has been highly volatile over the past 3 months (55% average daily change). Earnings have declined by 29% per year over the past 5 years. Revenue is less than US$1m. Minor Risks Latest financial reports are more than 6 months old (reported June 2024 fiscal period end). Market cap is less than US$100m (UK£20.8m market cap, or US$26.9m). Announcement • Apr 24
Fiinu Plc, Annual General Meeting, May 24, 2024 Fiinu Plc, Annual General Meeting, May 24, 2024, at 10:00 Coordinated Universal Time. Location: 16 Great Queen Street, London. United Kingdom Announcement • Oct 01
Fiinu plc Announces Chief Executive Officer Changes, Effective 31 December 2023 Fiinu Plc announced Chris Sweeney, Group CEO, and CEO of Fiinu 2 Limited, has also been served notice as planned and will step down as a Director of all the Group companies on 31 December 2023. From 31 December 2023, in the absence of any funding developments and/or additional board appointments, the Company's Board of Directors will consist of Simon Leathers (Senior Independent Non-executive Director) and Marko Sjoblom (Founder and Executive Director), who will be appointed as Group CEO. New Risk • Jul 13
New major risk - Market cap size The company's market capitalization is less than US$10m. Market cap: UK£7.28m (US$9.53m) This is considered a major risk. Companies with a small market capitalization are most likely businesses that have not yet released a product to market or are simply a very small company without a wide reach. Either way, risk is elevated with these companies because there is a chance the product may not come to fruition or the company's addressable market or demand may not be as large as expected. In addition, if the company's size is the main factor, it is less likely to have many investors and analysts following it and scrutinizing its performance and outlook. Currently, the following risks have been identified for the company: Major Risks No financial data reported. Share price has been highly volatile over the past 3 months (19% average weekly change). Market cap is less than US$10m (UK£7.28m market cap, or US$9.53m). Announcement • Jun 29
Fiinu plc Announces CFO Changes Fiinu Plc announced that Philip Tansey, Group CFO has tendered his resignation and will leave, with immediate effect. In the short term, Charles Resnick, the CFO of the Group's main operating subsidiary will also take on the role as interim Group CFO. Announcement • Jun 09
Fiinu Plc, Annual General Meeting, Jun 30, 2023 Fiinu Plc, Annual General Meeting, Jun 30, 2023, at 10:00 Coordinated Universal Time. Location: the offices of Fladgate LLP, 16 Great Queen Street London United Kingdom New Risk • Jun 09
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of British stocks, typically moving 7.2% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Major Risk No financial data reported. Minor Risks Share price has been volatile over the past 3 months (7.2% average weekly change). Market cap is less than US$100m (UK£21.8m market cap, or US$27.4m). Announcement • Feb 03
Fiinu Plc, Annual General Meeting, Feb 20, 2023 Fiinu Plc, Annual General Meeting, Feb 20, 2023, at 11:00 Coordinated Universal Time. Location: Fladgate LLP, 16 Great Queen Street London, WC2B 5DG London United Kingdom 
