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Nucleus Financial Group

Market Cap

UK£143.3m

Last Updated

2021/05/09 19:07 UTC

Data Sources

Company Financials +

Executive Summary

Nucleus Financial Group plc, through its subsidiaries, operates an online wrap platform for the financial services industry. More Details


Snowflake Analysis

Flawless balance sheet with high growth potential.

Share Price & News

How has Nucleus Financial Group's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: NUC is less volatile than 75% of UK stocks over the past 3 months, typically moving +/- 2% a week.

Volatility Over Time: NUC's weekly volatility has decreased from 7% to 2% over the past year.


Market Performance


7 Day Return

0.3%

NUC

-2.6%

GB Software

2.1%

GB Market


1 Year Return

39.0%

NUC

5.5%

GB Software

26.5%

GB Market

Return vs Industry: NUC exceeded the UK Software industry which returned 5.4% over the past year.

Return vs Market: NUC exceeded the UK Market which returned 26.6% over the past year.


Shareholder returns

NUCIndustryMarket
7 Day0.3%-2.6%2.1%
30 Day0.3%-4.9%3.3%
90 Day12.8%-1.7%9.1%
1 Year40.0%39.0%15.1%5.5%32.1%26.5%
3 Yearn/a18.2%4.2%12.8%-0.2%
5 Yearn/a32.0%7.7%51.7%23.0%

Long-Term Price Volatility Vs. Market

How volatile is Nucleus Financial Group's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

Is Nucleus Financial Group undervalued compared to its fair value and its price relative to the market?

33.3%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: NUC (£1.89) is trading below our estimate of fair value (£2.83)

Significantly Below Fair Value: NUC is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: NUC is good value based on its PE Ratio (45.1x) compared to the GB Software industry average (56.6x).

PE vs Market: NUC is poor value based on its PE Ratio (45.1x) compared to the UK market (26.2x).


Price to Earnings Growth Ratio

PEG Ratio: NUC is good value based on its PEG Ratio (0.9x)


Price to Book Ratio

PB vs Industry: NUC is overvalued based on its PB Ratio (6.3x) compared to the GB Software industry average (4.3x).


Future Growth

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

48.8%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: NUC's forecast earnings growth (48.8% per year) is above the savings rate (0.9%).

Earnings vs Market: NUC's earnings (48.8% per year) are forecast to grow faster than the UK market (17.6% per year).

High Growth Earnings: earnings are expected to grow significantly over the next 3 years.

Revenue vs Market: NUC's revenue (6.6% per year) is forecast to grow faster than the UK market (5.3% per year).

High Growth Revenue: NUC's revenue (6.6% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: NUC's Return on Equity is forecast to be high in 3 years time (35.7%)


Past Performance

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

0.7%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: NUC has a high level of non-cash earnings.

Growing Profit Margin: NUC's current net profit margins (6.1%) are lower than last year (11.5%).


Past Earnings Growth Analysis

Earnings Trend: NUC's earnings have grown by 0.7% per year over the past 5 years.

Accelerating Growth: NUC's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.

Earnings vs Industry: NUC had negative earnings growth (-46.5%) over the past year, making it difficult to compare to the Software industry average (4.4%).


Return on Equity

High ROE: NUC's Return on Equity (14%) is considered low.


Financial Health

How is Nucleus Financial Group's financial position?


Financial Position Analysis

Short Term Liabilities: NUC's short term assets (£28.9M) exceed its short term liabilities (£10.0M).

Long Term Liabilities: NUC's short term assets (£28.9M) exceed its long term liabilities (£3.6M).


Debt to Equity History and Analysis

Debt Level: NUC is debt free.

Reducing Debt: NUC has no debt compared to 5 years ago when its debt to equity ratio was 0%.

Debt Coverage: NUC has no debt, therefore it does not need to be covered by operating cash flow.

Interest Coverage: NUC has no debt, therefore coverage of interest payments is not a concern.


Balance Sheet


Dividend

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

4.18%

Forecast Dividend Yield


Dividend Yield vs Market

Notable Dividend: Unable to evaluate NUC's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate NUC'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 NUC's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if NUC's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: NUC is not paying a notable dividend for the UK market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of NUC's dividend in 3 years as they are not forecast to pay a notable one for the UK market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

3.8yrs

Average management tenure


CEO

David Ferguson

no data

Tenure

UK£467,000

Compensation

Mr. David Ritchie Ferguson is the Co-Founder of Nucleus Financial Services Limited and has been its Chief Executive Officer since July 2006 and serves as its Director. Mr. Ferguson serves as Chief Executiv...


CEO Compensation Analysis

Compensation vs Market: David's total compensation ($USD653.23K) is about average for companies of similar size in the UK market ($USD565.29K).

Compensation vs Earnings: David's compensation has been consistent with company performance over the past year.


Leadership Team

Experienced Management: NUC's management team is considered experienced (3.8 years average tenure).


Board Members

Experienced Board: NUC's board of directors are considered experienced (3.5 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: NUC insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

Nucleus Financial Group plc's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Nucleus Financial Group plc
  • Ticker: NUC
  • Exchange: AIM
  • Founded: 2006
  • Industry: Application Software
  • Sector: Software
  • Market Cap: UK£143.310m
  • Shares outstanding: 75.83m
  • Website: https://nucleusfinancial.com

Number of Employees


Location

  • Nucleus Financial Group plc
  • Greenside
  • 12 Blenheim Place
  • Edinburgh
  • EH7 5JH
  • United Kingdom

Listings


Biography

Nucleus Financial Group plc, through its subsidiaries, operates an online wrap platform for the financial services industry. The company’s wrap platform offers adviser users custody, trading, payment, repo...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/05/09 19:07
End of Day Share Price2021/05/07 00:00
Earnings2020/12/31
Annual Earnings2020/12/31


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.