LSE:FIN

Stock Analysis Report

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Executive Summary

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


Snowflake Analysis

Imperfect balance sheet with limited growth.


Similar Companies

Share Price & News

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


Latest Share Price and Events

Stable Share Price: FIN's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

0%

FIN

0.5%

GB IT

0.1%

GB Market


1 Year Return

-92.2%

FIN

-8.4%

GB IT

-15.3%

GB Market

Return vs Industry: FIN underperformed the UK IT industry which returned -12.1% over the past year.

Return vs Market: FIN underperformed the UK Market which returned -15.4% over the past year.


Shareholder returns

FINIndustryMarket
7 Day0%0.5%0.1%
30 Day0%-2.8%-4.6%
90 Day-5.2%20.1%13.1%
1 Year-92.2%-92.2%-7.3%-8.4%-11.4%-15.3%
3 Yearn/a68.6%58.1%-3.4%-15.2%
5 Yearn/a124.4%106.6%15.4%-10.3%

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 compared to its fair value and its price relative to the market?

0.13x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: FIN (£0.11) is trading above our estimate of fair value (£0.05)

Significantly Below Fair Value: FIN is trading above our estimate of fair value.


Price To Earnings Ratio

PE vs Industry: FIN is unprofitable, so we can't compare its PE Ratio to the IT industry average.

PE vs Market: FIN is unprofitable, so we can't compare its PE Ratio to the UK market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate FIN's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: FIN is good value based on its PB Ratio (0.1x) compared to the GB IT industry average (2.5x).


Next Steps

Future Growth

How is Finablr forecast to perform in the next 1 to 3 years based on estimates from 1 analyst?

44.6%

Forecasted annual revenue growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: Insufficient data to determine if FIN's forecast earnings growth is above the savings rate (1.2%).

Earnings vs Market: Insufficient data to determine if FIN's earnings are forecast to grow faster than the UK market

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

Revenue vs Market: FIN's revenue (44.6% per year) is forecast to grow faster than the UK market (3.6% per year).

High Growth Revenue: FIN's revenue (44.6% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if FIN's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Finablr performed over the past 5 years?

18.5%

Last years earnings growth


Earnings and Revenue History

Quality Earnings: FIN is currently unprofitable.

Growing Profit Margin: FIN is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: Insufficient data to determine if FIN's year-on-year earnings growth rate was positive over the past 5 years.

Accelerating Growth: Unable to compare FIN's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: FIN is unprofitable, making it difficult to compare its past year earnings growth to the IT industry (10%).


Return on Equity

High ROE: FIN has a negative Return on Equity (-4.35%), as it is currently unprofitable.


Next Steps

Financial Health

How is Finablr's financial position?


Financial Position Analysis

Short Term Liabilities: FIN's short term assets ($2.4B) exceed its short term liabilities ($2.4B).

Long Term Liabilities: FIN's short term assets ($2.4B) exceed its long term liabilities ($1.2B).


Debt to Equity History and Analysis

Debt Level: FIN's debt to equity ratio (138.9%) is considered high.

Reducing Debt: Insufficient data to determine if FIN's debt to equity ratio has reduced over the past 5 years.


Balance Sheet


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: Insufficient data to determine if FIN has enough cash runway based on its current free cash flow.

Forecast Cash Runway: Insufficient data to determine if FIN has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.


Next Steps

Dividend

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

0.72%

Forecast Dividend Yield


Dividend Yield vs Market

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

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

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


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of FIN'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?

1.2yrs

Average board tenure


CEO

Bhairav Trivedi

0.17

Tenure

Mr. Bhairav Surendra Trivedi serves as the Chief Executive Officer and Director of Finablr PLC since April 1, 2020. He is the President and Chief Operating Officer of Sigue Global Services Ltd. Mr. Trivedi ...


Board Members

NamePositionTenureCompensationOwnership
Bavaguthu Shetty
Founder & Co-Chairman1.92yrsno datano data
Bhairav Trivedi
CEO & Director0.17yrno datano data
Binay Shetty
Executive Director1.92yrsno datano data
Michael Tomalin
Independent Co-Chairman1.17yrsno data0.010% $7.7k
Julian Wynter
Independent Non-Executive Director1.17yrsno datano data
Robert Dowie
Senior Independent Non-Executive Director1.17yrsno datano data
Gavin Laws
Director1.17yrsno datano data
Sheikha Lubna AL Qasimi
Independent Non Executive Director1.17yrsno datano data
Karim Aly Awad Salama
Director1.17yrsno datano data
Sudhir Shetty
Director1.17yrsno datano data

1.2yrs

Average Tenure

66yo

Average Age

Experienced Board: FIN's board of directors are not considered experienced ( 1.2 years average tenure), which suggests a new board.


Ownership

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


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Insufficient data to determine if shareholders have been diluted in the past year.


Top Shareholders

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£77.175m
  • Shares outstanding: 700.00m
  • Website: https://www.finablr.com

Number of Employees


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
FNBL.FOTCPK (Pink Sheets LLC)YesOrdinary SharesUSUSDMay 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 Solutions, and B2B & Payment Technology Solutions. The Cross-Border Payments & Consumer Solutions segment offers cross-border payments services through digital and physical channels. This segment also provides payroll processing, mobile wallet, bill payment, digital gifting, and consumer advance services. The Consumer Foreign Exchange Solutions segment purchases and sells foreign currency; issues prepaid travel cards; and provides VAT refund services through stores, ATMs, online portals, and mobile applications. The B2B & Payment Technology Solutions segment enables banks, financial institutions, mobile wallet operators, payments and technology companies, and others to offer cross-border payments, foreign exchange, stored value platforms, digital gifting, and acquiring services to their customers using its platforms. It offers services under the UAE Exchange, Travelex, Xpress Money, Unimoni, Remit2India, Ditto, and Swych brand names. The company was incorporated in 2018 and is headquartered in Abu Dhabi, the United Arab Emirates. Finablr PLC is a subsidiary of BRS Investment Holdings 1 Limited. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/06/13 05:05
End of Day Share Price2020/03/16 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.