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Nucleus Financial Group

AIM:NUC
Snowflake Description

Flawless balance sheet with acceptable track record.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
NUC
AIM
£170M
Market Cap
  1. Home
  2. GB
  3. Software
Company description

Nucleus Financial Group Plc operates an online wrap platform for the financial services industry. The last earnings update was 47 days ago. More info.


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  • Nucleus Financial Group has significant price volatility in the past 3 months.
NUC Share Price and Events
7 Day Returns
1.4%
AIM:NUC
4.5%
GB Software
1.3%
GB Market
1 Year Returns
-
AIM:NUC
8.4%
GB Software
-5%
GB Market
NUC Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Nucleus Financial Group (NUC) 1.4% 13.4% 33.7% - - -
GB Software 4.5% 2.7% 11.7% 8.4% 34% 77.2%
GB Market 1.3% -1.6% 1.9% -5% 15.8% 2.5%
1 Year Return vs Industry and Market
  • No trading data on NUC.
  • No trading data on NUC.
Price Volatility
Industry
5yr Volatility vs Market

NUC Value

 Is Nucleus Financial Group undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Nucleus Financial Group to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Nucleus Financial Group.

AIM:NUC Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model 2 Stage Free Cash Flow to Equity
Levered Free Cash Flow Average of 2 Analyst Estimates (S&P Global) See below
Discount Rate (Cost of Equity) See below 8.5%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for AIM:NUC
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6.7%
Software Unlevered Beta Simply Wall St/ S&P Global 1.15
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 1.148 (1 + (1- 19%) (0.05%))
1.099
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.1
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (1.099 * 6.65%)
8.54%

Discounted Cash Flow Calculation for AIM:NUC using 2 Stage Free Cash Flow to Equity Model

The calculations below outline how an intrinsic value for Nucleus Financial Group is arrived at by discounting future cash flows to their present value using the 2 stage method. We try to start with analysts estimates of free cash flow, however if these are not available we use the most recent financial results. In the 1st stage we continue to grow the free cash flow over a 10 year period, with the growth rate trending towards the perpetual growth rate used in the 2nd stage. The 2nd stage assumes the company grows at a stable rate into perpetuity.

AIM:NUC DCF 1st Stage: Next 10 year cash flow forecast
Levered FCF (GBP, Millions) Source Present Value
Discounted (@ 8.54%)
2019 2.41 Est @ -45.37% 2.22
2020 1.66 Est @ -31.39% 1.41
2021 1.30 Est @ -21.6% 1.01
2022 1.11 Est @ -14.76% 0.80
2023 1.00 Est @ -9.96% 0.66
2024 0.93 Est @ -6.6% 0.57
2025 0.89 Est @ -4.25% 0.50
2026 0.87 Est @ -2.61% 0.45
2027 0.85 Est @ -1.46% 0.41
2028 0.85 Est @ -0.65% 0.37
Present value of next 10 years cash flows £8.41
AIM:NUC DCF 2nd Stage: Terminal Value
Calculation Result
Terminal Value = FCF2028 × (1 + g) ÷ (Discount Rate – g)
= £0.85 × (1 + 1.23%) ÷ (8.54% – 1.23%)
£11.76
Present Value of Terminal Value = Terminal Value ÷ (1 + r)10
= £11.76 ÷ (1 + 8.54%)10
£5.18
AIM:NUC Total Equity Value
Calculation Result
Total Equity Value = Present value of next 10 years cash flows + Terminal Value
= £8.41 + £5.18
£13.59
Equity Value per Share
(GBP)
= Total value / Shares Outstanding
= £13.59 / 75.91
£0.18
AIM:NUC Discount to Share Price
Calculation Result
Value per share (GBP) From above. £0.18
Current discount Discount to share price of £2.24
= -1 x (£2.24 - £0.18) / £0.18
-1151.4%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

  • The current share price of Nucleus Financial Group is above its future cash flow value.
Often investors are willing to pay a premium for a company that has a high dividend or the potential for future growth.
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Nucleus Financial Group's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Nucleus Financial Group's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
AIM:NUC PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in GBP £0.06
AIM:NUC Share Price ** AIM (2019-05-17) in GBP £2.24
United Kingdom of Great Britain and Northern Ireland Software Industry PE Ratio Median Figure of 35 Publicly-Listed Software Companies 30.01x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 788 Publicly-Listed Companies 16.24x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Nucleus Financial Group.

AIM:NUC PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= AIM:NUC Share Price ÷ EPS (both in GBP)

= 2.24 ÷ 0.06

35.76x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Nucleus Financial Group is overvalued based on earnings compared to the GB Software industry average.
  • Nucleus Financial Group is overvalued based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Nucleus Financial Group's expected growth come at a high price?
Raw Data
AIM:NUC PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 35.76x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts
-1.8%per year
United Kingdom of Great Britain and Northern Ireland Software Industry PEG Ratio Median Figure of 24 Publicly-Listed Software Companies 2.24x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 574 Publicly-Listed Companies 1.5x

*Line of best fit is calculated by linear regression .

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Unable to calculate PEG ratio for Nucleus Financial Group, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Nucleus Financial Group's assets?
Raw Data
AIM:NUC PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in GBP £0.23
AIM:NUC Share Price * AIM (2019-05-17) in GBP £2.24
United Kingdom of Great Britain and Northern Ireland Software Industry PB Ratio Median Figure of 74 Publicly-Listed Software Companies 2.89x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,368 Publicly-Listed Companies 1.51x
AIM:NUC PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= AIM:NUC Share Price ÷ Book Value per Share (both in GBP)

= 2.24 ÷ 0.23

9.73x

* Primary Listing of Nucleus Financial Group.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Nucleus Financial Group is overvalued based on assets compared to the GB Software industry average.
X
Value checks
We assess Nucleus Financial Group's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Software industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Software industry average (and greater than 0)? (1 check)
  5. Nucleus Financial Group has a total score of 0/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

NUC Future Performance

 How is Nucleus Financial Group expected to perform in the next 1 to 3 years based on estimates from 2 analysts?

  • No analysts cover Nucleus Financial Group, future earnings growth has been estimated based on fundamentals.
The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-1.8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Nucleus Financial Group expected to grow at an attractive rate?
  • Nucleus Financial Group's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Nucleus Financial Group's earnings are expected to decrease over the next 1-3 years, this is below the United Kingdom of Great Britain and Northern Ireland market average.
  • Nucleus Financial Group's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
AIM:NUC Future Growth Rates Data Sources
Data Point Source Value (per year)
AIM:NUC Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 2 Analysts -1.8%
AIM:NUC Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 2 Analysts 6.3%
United Kingdom of Great Britain and Northern Ireland Software Industry Earnings Growth Rate Market Cap Weighted Average 17.5%
United Kingdom of Great Britain and Northern Ireland Software Industry Revenue Growth Rate Market Cap Weighted Average 7.9%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 10.8%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.9%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
AIM:NUC Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
All numbers in GBP Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
AIM:NUC Future Estimates Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2021-12-31 56 2
2020-12-31 51 2
2019-12-31 46 2
AIM:NUC Past Financials Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income *
2018-12-31 49 5 5
2018-06-30 43 8 5
2018-03-31 41 9 5
2017-12-31 40 10 4
2016-12-31 33 1 3

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Nucleus Financial Group's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Nucleus Financial Group's revenue is expected to grow by 6.3% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
AIM:NUC Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below

All data from Nucleus Financial Group Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

AIM:NUC Future Estimates Data
Date (Data in GBP Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2021-12-31
2020-12-31
2019-12-31
AIM:NUC Past Financials Data
Date (Data in GBP Millions) EPS *
2018-12-31 0.06
2018-06-30 0.06
2018-03-31 0.06
2017-12-31 0.05
2016-12-31 0.04

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Nucleus Financial Group is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).
X
Future performance checks
We assess Nucleus Financial Group's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Nucleus Financial Group has a total score of 2/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

NUC Past Performance

  How has Nucleus Financial Group performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Nucleus Financial Group's growth in the last year to its industry (Software).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Nucleus Financial Group's year on year earnings growth rate has been positive over the past 5 years.
  • Nucleus Financial Group's 1-year earnings growth is less than its 5-year average (15.7% vs 15.8%)
  • Nucleus Financial Group's earnings growth has not exceeded the GB Software industry average in the past year (15.7% vs 16.5%).
Earnings and Revenue History
Nucleus Financial Group's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Nucleus Financial Group Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

AIM:NUC Past Revenue, Cash Flow and Net Income Data
Date (Data in GBP Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 49.41 4.76 23.61
2018-06-30 42.51 5.18 22.92
2018-03-31 41.44 4.65 21.86
2017-12-31 40.37 4.11 20.79
2016-12-31 33.28 3.39 17.35
2015-12-31 28.96 4.30 14.52
2014-12-31 23.60 2.47 11.13
2013-12-31 18.76 1.72 9.14
2012-12-31 13.64 0.14 6.61

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Nucleus Financial Group has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
  • Nucleus Financial Group used its assets more efficiently than the GB Software industry average last year based on Return on Assets.
  • Nucleus Financial Group's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Nucleus Financial Group's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Software industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Nucleus Financial Group has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

NUC Health

 How is Nucleus Financial Group's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Nucleus Financial Group's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Nucleus Financial Group is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Nucleus Financial Group's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Nucleus Financial Group's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 310.8x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Nucleus Financial Group Company Filings, last reported 4 months ago.

AIM:NUC Past Debt and Equity Data
Date (Data in GBP Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 17.47 0.09 17.76
2018-06-30 15.75 0.15 17.13
2018-03-31 15.75 0.15 17.13
2017-12-31 16.18 0.20 17.09
2016-12-31 16.19 0.11 13.91
2015-12-31 12.17 0.00 12.93
2014-12-31 7.37 1.13 6.93
2013-12-31 4.32 0.05 4.76
2012-12-31 2.38 0.08 3.37
  • Nucleus Financial Group's level of debt (0.5%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has been reduced over the past 5 years (1.1% vs 0.5% today).
  • Debt is well covered by operating cash flow (5896.8%, greater than 20% of total debt).
  • Nucleus Financial Group earns more interest than it pays, coverage of interest payments is not a concern.
X
Financial health checks
We assess Nucleus Financial Group's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Nucleus Financial Group has a total score of 6/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

NUC Dividends

 What is Nucleus Financial Group's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
2.23%
Current annual income from Nucleus Financial Group dividends. Estimated to be 2.69% next year.
If you bought £2,000 of Nucleus Financial Group shares you are expected to receive £45 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Nucleus Financial Group's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (1.99%).
  • Nucleus Financial Group's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.21%).
Upcoming dividend payment

Purchase Nucleus Financial Group before the 'Buy Limit' to receive their next dividend payment.

Dividends are usually paid every 3 or 6 months, you can time your share purchase to take advantage of upcoming dividend payments.
Dividend payment calendar
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
AIM:NUC Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 2 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Software Industry Average Dividend Yield Market Cap Weighted Average of 29 Stocks 2.4%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.3%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.2%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

AIM:NUC Future Dividends Estimate Data
Date (Data in £) Dividend per Share (annual) Avg. No. Analysts
2021-12-31 0.08 2.00
2020-12-31 0.06 2.00
2019-12-31 0.05 2.00
AIM:NUC Past Annualized Dividends Data
Date (Data in £) Dividend per share (annual) Avg. Yield (%)
2019-04-02 0.050 2.509
2018-09-11 0.028 1.803

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • It is too early to tell whether Nucleus Financial Group has stable dividend payments.
  • Nucleus Financial Group only just started paying a dividend, it is too early to tell if payments are increasing.
Current Payout to shareholders
What portion of Nucleus Financial Group's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.3x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be covered by earnings (1.5x coverage).
X
Income/ dividend checks
We assess Nucleus Financial Group's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Nucleus Financial Group afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Nucleus Financial Group has a total score of 3/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

NUC Management

 What is the CEO of Nucleus Financial Group's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
David Ferguson
CEO Bio

Mr. David Ritchie Ferguson is the Founder of Nucleus Financial Services Limited and has been its Chief Executive Officer since July 2006. Mr. Ferguson serves as Chief Executive of Nucleus Corporation. In 1998, he concluded that the industry was more 1980s than 2020s and embarked on a mission to create the UK’s first genuinely collaborative platform, which resulted in the creation of Nucleus in 2006. He remains immensely proud to lead the small team that has put the client centre stage to make Nucleus a credible and refreshing market participant. Mr. Ferguson is a technology geeky from a very early age, the formative years of his career were spent as a Trainee Actuary with Life Association of Scotland, Ivory & Sime, Scottish Life International and strategic consultancy The Abacus.

CEO Compensation
  • Insufficient data for David to compare compensation growth.
  • Insufficient data for David to establish whether their remuneration is reasonable compared to companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team

David Ferguson

TITLE
Founder

Stuart Geard

TITLE
CFO & Executive Director
TENURE
1.8 yrs

Doug Heron

TITLE
Chief Operating Officer
TENURE
2.3 yrs

Andrew Smith

TITLE
Chief Technology Officer

Nicola Megaw

TITLE
Chief Legal Officer & Company Secretary

Darren Lowry

TITLE
Head of Sales

Kirsty Lynagh

TITLE
Chief People Officer

Barry Neilson

TITLE
Chief Customer Officer
Board of Directors Tenure

Average tenure and age of the Nucleus Financial Group board of directors in years:

2.8
Average Tenure
58
Average Age
  • The average tenure for the Nucleus Financial Group board of directors is less than 3 years, this suggests a new board.
Board of Directors

James Anthony Samuels

TITLE
Independent Non-Executive Chairman
AGE
68

David Ferguson

TITLE
Founder
TENURE
13.6 yrs

Stuart Geard

TITLE
CFO & Executive Director
TENURE
10.2 yrs

Jeremy Gibson

TITLE
Non-Executive Director
TENURE
6.3 yrs

Margaret Hassall

TITLE
Independent Non-Executive Director
TENURE
0.8 yrs

Tracy Dunley-Owen

TITLE
Independent Non-Executive Director
AGE
46
TENURE
0.8 yrs

John Levin

TITLE
Independent Non-Executive Director
TENURE
2.1 yrs

Jonathan Polin

TITLE
Non-Executive Director
AGE
58
TENURE
2.8 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (£) Value (£)
25. Sep 18 Buy James Anthony Samuels Individual 21. Sep 18 21. Sep 18 53,409 £1.76 £94,000
X
Management checks
We assess Nucleus Financial Group's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Nucleus Financial Group has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

NUC News

Simply Wall St News

Here's How We Evaluate Nucleus Financial Group Plc's (LON:NUC) Dividend

Some readers mightn't know much about Nucleus Financial Group's 2.3% dividend, as it has only been paying distributions for a year or so. … While the above analysis focuses on dividends relative to a company's earnings, we do note Nucleus Financial Group's strong net cash position, which will let it pay larger dividends for a time, should it choose. … However, it's also important to assess if earnings per share (EPS) are growing. Over the long term, dividends need to grow at or above the rate of inflation, in order to maintain the recipient's purchasing power. It's good to see Nucleus Financial Group has been growing its earnings per share at 25% a year over the past 5 years. Nucleus Financial Group earnings have been growing very quickly recently, but given that it is paying out more than half of its earnings, we wonder if it will have enough capital to fund further growth in the future. Conclusion Dividend investors should always want to know if a) a company's dividends are affordable, b) if there is a track record of consistent payments, and c) if the dividend is capable of growing.

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Need To Know: Nucleus Financial Group Plc (LON:NUC) Insiders Have Been Buying Shares

So we'll take a look at whether insiders have been buying or selling shares in Nucleus Financial Group Plc (LON:NUC). … But logic dictates you should pay some attention to whether insiders are buying or selling shares. … Nucleus Financial Group Insider Transactions Over The Last Year.

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Is Nucleus Financial Group Plc (LON:NUC) An Attractive Dividend Stock?

Nucleus Financial Group Plc (LON:NUC) has begun paying dividends recently. … Let's take a look at Nucleus Financial Group in more detail. … See our latest analysis for Nucleus Financial Group

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Why You Should Like Nucleus Financial Group Plc’s (LON:NUC) ROCE

Specifically, we're going to calculate its Return On Capital Employed (ROCE), in the hopes of getting some insight into the business. … What is Return On Capital Employed (ROCE)? … ROCE measures the 'return' (pre-tax profit) a company generates from capital employed in its business.

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Does Nucleus Financial Group Plc's (LON:NUC) P/E Ratio Signal A Buying Opportunity?

We'll show how you can use Nucleus Financial Group Plc's (LON:NUC) P/E ratio to inform your assessment of the investment opportunity. … Nucleus Financial Group has a P/E ratio of 21.82, based on the last twelve months. … Price to Earnings Ratio = Share Price ÷ Earnings per Share (EPS)

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Who Has Been Buying Nucleus Financial Group Plc (LON:NUC) Shares?

So shareholders might well want to know whether insiders have been buying or selling shares in Nucleus Financial Group Plc (LON:NUC). … But logic dictates you should pay some attention to whether insiders are buying or selling shares. … Nucleus Financial Group Insider Transactions Over The Last Year.

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Boasting A 33% Return On Equity, Is Nucleus Financial Group Plc (LON:NUC) A Top Quality Stock?

Nucleus Financial Group has a ROE of 33%, based on the last twelve months. … One way to conceptualize this, is that for each £1 of shareholders' equity it has, the company made £0.33 in profit. … Return on Equity = Net Profit ÷ Shareholders' Equity

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Is Nucleus Financial Group Plc (LON:NUC) A Smart Choice For Dividend Investors?

A large part of investment returns can be generated by dividend-paying stock given their role in compounding returns over time. … Nucleus Financial Group Plc (LON:NUC) has begun paying dividends recently. … View our latest analysis for Nucleus Financial Group

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What Does Nucleus Financial Group Plc's (LON:NUC) PE Ratio Tell You?

Nucleus Financial Group Plc (LON:NUC) is currently trading at a trailing P/E of 26.1, which is close to the industry average of 26.1. … Although some investors might think this is a real positive, that might change once you understand the assumptions behind the P/E. … View our latest analysis for Nucleus Financial Group

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Nucleus Financial Group Limited's (LON:NUC) Earnings Grew 21.38%, Did It Beat Long-Term Trend?

After reading Nucleus Financial Group Limited's (LON:NUC) most recent earnings announcement (31 December 2017), I found it useful to look back at how the company has performed in the past and compare this against the latest numbers. … Check out our latest analysis for Nucleus Financial Group. … NUC's trailing twelve-month earnings (from 31 December 2017) of UK£4.11m has

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NUC Company Info

Description

Nucleus Financial Group Plc operates an online wrap platform for the financial services industry. The company’s wrap platform offers adviser users custody, trading, payment, reporting, fee-handling, research, and integration services across an open architecture universe, including cash, OEICs, unit trusts, offshore funds, structured products and listed securities, and investment trusts through a range of tax wrappers. It also operates Narrate, a portfolio reporting tool. The company was founded in 2006 and is headquartered in Edinburgh, the United Kingdom.

Details
Name: Nucleus Financial Group Plc
NUC
Exchange: AIM
Founded: 2006
£170,042,696
75,911,918
Website: http://www.nucleusfinancial.com
Address: Nucleus Financial Group Plc
Greenside,
12 Blenheim Place,
Edinburgh,
EH7 5JH,
United Kingdom
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
AIM NUC Ordinary Shares London Stock Exchange AIM Market GB GBP 26. Jul 2018
Number of employees
Current staff
Staff numbers
218
Nucleus Financial Group employees.
Industry
Application Software
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/05/19 23:32
End of day share price update: 2019/05/17 00:00
Last estimates confirmation: 2019/05/13
Last earnings filing: 2019/04/02
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/12/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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.