LSE:FIN

Stock Analysis Report

Executive Summary

Finablr PLC operates as a platform for B2B payments and foreign exchange solutions worldwide.

Snowflake

Fundamentals

High growth potential and slightly overvalued.

Share Price & News

How has Finablr's share price performed over time and what events caused price changes?


Latest Share Price and Events


Market Performance


7 Day Return

-4.4%

LSE:FIN

0.9%

GB IT

1.1%

GB Market


1 Year Return

n/a

LSE:FIN

-0.01%

GB IT

-0.3%

GB Market

No trading data on FIN.

No trading data on FIN.


Share holder returns

FINIndustryMarket
7 Day-4.4%0.9%1.1%
30 Day3.6%0.2%4.4%
90 Day20.3%-0.1%0.2%
1 Yearn/a2.3%-0.01%4.5%-0.3%
3 Yearn/a68.0%55.8%21.4%6.9%
5 Yearn/a64.6%49.9%31.8%4.1%

Price Volatility Vs. Market

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


Simply Wall St News

Valuation

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

31%

Discount to future cash flow value


Intrinsic Value Based on Future Cash Flows

Finablr's share price is below the future cash flow value, and at a moderate discount (> 20%).

Finablr's share price is below the future cash flow value, but not at a substantial discount (< 40%).


Price Based on Earnings

Finablr is loss making, we can't compare its value to the GB IT industry average.

Finablr is loss making, we can't compare the value of its earnings to the United Kingdom of Great Britain and Northern Ireland market.


Price Based on Expected Growth

Unable to calculate PEG ratio for Finablr, we can't assess if its growth is good value.


Price Based on Value of Assets

Finablr is good value based on assets compared to the GB IT industry average.


Next Steps

Future Growth

How is Finablr expected to perform in the next 1 to 3 years based on estimates from 4 analysts?

67.5%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Finablr's revenue is expected to grow by 17.1% yearly, however this is not considered high growth (20% yearly).

Finablr's earnings are expected to grow significantly at over 20% yearly.

Finablr's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.

Finablr's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.

Finablr's earnings growth is expected to exceed the low risk savings rate of 1.2%.


Earnings per Share Growth Estimates


Future Return on Equity

Finablr is expected to efficiently use shareholders’ funds in the future (Return on Equity greater than 20%).


Next Steps

Past Performance

How has Finablr performed over the past 5 years?

0.2%

Historical Software annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

Finablr does not make a profit and there is insufficient past data to establish if their 5 year on year earnings growth rate was positive.

Unable to compare Finablr's 1-year earnings growth to the 5-year average as it is not currently profitable.

Unable to compare Finablr's 1-year growth to the GB IT industry average as it is not currently profitable.


Return on Equity

It is difficult to establish if Finablr has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.


Return on Assets

Finablr used its assets less efficiently than the GB IT industry average last year based on Return on Assets.


Return on Capital Employed

It is difficult to establish if Finablr improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.


Next Steps

Financial Health

How is Finablr's financial position?


Financial Position Analysis

Finablr is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.

Finablr's cash and other short term assets cover its long term commitments.


Debt to Equity History and Analysis

Finablr's level of debt (138.9%) compared to net worth is high (greater than 40%).

Unable to establish if Finablr's debt level has increased without past 5-year debt data.

Unable to verify if debt is well covered by operating cash flow as Finablr has not reported sufficient balance sheet data.

Unable to confirm if the interest payments on Finablr's debt are well covered by earnings due to lack of past financial data.


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 2.2x debt.


Next Steps

Dividend

What is Finablr's current dividend yield, its reliability and sustainability?

1.21%

Expected Dividend Yield


Dividend Yield and Payments Analysis

Unable to evaluate Finablr's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.

Unable to evaluate Finablr's dividend against the top 25% market benchmark as the company has not reported any payouts.

Unable to perform a dividend volatility check as Finablr has not reported any payouts.

Unable to verify if Finablr's dividend has been increasing as the company has not reported any payouts.


Current Payout to Shareholders

Unable to calculate sustainability of dividends as Finablr has not reported any payouts.


Future Payout to Shareholders

Dividends after 3 years are expected to be well covered by earnings (4.8x coverage).


Next Steps

Management

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

0.4yrs

Average board tenure


CEO

Promoth Manghat (43yo)

0yrs

Tenure

0

Mr. Promoth Manghat serves as Chief Executive Officer at UAE Exchange Centre LLC since August 2015. He is the Group Chief Executive Officer of Finablr PLC. and has been its Executive Director since July 26 ...


Board Age and Tenure

0.4yrs

Average Tenure

65yo

Average Age

The average tenure for the Finablr board of directors is less than 3 years, this suggests a new board.


Insider Trading

No 3 month open market individual insider trading information.


Ownership Breakdown


Management Team

  • Tony D’Souza

    Group Head of Consumer Foreign Exchange Solutions

    • Tenure: 0yrs
  • Mehul Desai

    Group Chief Technology Officer

    • Tenure: 0yrs
  • Bavaguthu Shetty (76yo)

    Founder & Co-Chairman

    • Tenure: 1.2yrs
  • Promoth Manghat (43yo)

    Group CEO & Executive Director

    • Tenure: 0yrs
  • Binny Shetty (34yo)

    Executive Director

    • Tenure: 1.2yrs
  • Rahul Pai

    Group Chief Financial Officer

    • Tenure: 0yrs
  • Pradeep Kumar

    Group Head of Cross Border Payments & Consumer Solutions

    • Tenure: 0yrs
  • Nizamuddin Abubekker

    Group General Counsel

    • Tenure: 0yrs
  • Daryl Norman

    Group Chief Compliance and Risk Officer

    • Tenure: 0yrs
  • Faiz Habib

    Head of Communications & Research

    • Tenure: 0yrs

Board Members

  • Michael Tomalin (72yo)

    Co-Chairman

    • Tenure: 0.4yrs
  • Julian Wynter

    Independent Non-Executive Director

    • Tenure: 0.4yrs
  • Bavaguthu Shetty (76yo)

    Founder & Co-Chairman

    • Tenure: 1.2yrs
  • Robert Dowie

    Senior Independent Non-Executive Director

    • Tenure: 0.4yrs
  • Gavin Laws (60yo)

    Director

    • Tenure: 0.4yrs
  • Promoth Manghat (43yo)

    Group CEO & Executive Director

    • Tenure: 0yrs
  • Binny Shetty (34yo)

    Executive Director

    • Tenure: 1.2yrs
  • Abdulrahman Saddiq Basaddiq (70yo)

    Non-Executive Director

    • Tenure: 0.4yrs
  • Sheikha Lubna AL Qasimi

    Director

    • Tenure: 0.4yrs
  • Karim Aly Awad Salama

    Director

    • Tenure: 0.4yrs

Company Information

Finablr PLC's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Finablr PLC
  • Ticker: FIN
  • Exchange: LSE
  • Founded: 2018
  • Industry: Data Processing and Outsourced Services
  • Sector: Software
  • Market Cap: UK£1.179b
  • Shares outstanding: 700.00m
  • Website: https://www.finablr.com

Location

  • Finablr PLC
  • Tamouh Tower
  • 7th Floor
  • Abu Dhabi
  • United Arab Emirates

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
2WLBST (Boerse-Stuttgart)YesOrdinary SharesDEEURMay 2019
FINLSE (London Stock Exchange)YesOrdinary SharesGBGBPMay 2019
FINLBATS-CHIXE (BATS 'Chi-X Europe')YesOrdinary SharesGBGBPMay 2019

Biography

Finablr PLC operates as a platform for B2B payments and foreign exchange solutions worldwide. It operates through three segments: Cross-Border Payments & Consumer Solutions, Consumer Foreign Exchange Solut ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/09/17 22:49
End of Day Share Price2019/09/17 00:00
Earnings2019/06/30
Annual Earnings2018/12/31


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.