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Finzsoft Solutions

NZSE:FIN
Snowflake Description

Moderate growth potential with imperfect balance sheet.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
FIN
NZSE
NZ$13M
Market Cap
  1. Home
  2. NZ
  3. Software
Company description

Finzsoft Solutions Limited, together with its subsidiaries, develops, sells, and supports computer software for the banking and finance sector in Australia, New Zealand, and internationally. The last earnings update was 81 days ago. More info.


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FIN Share Price and Events
7 Day Returns
0%
NZSE:FIN
-0%
NZ Software
0.7%
NZ Market
1 Year Returns
-31.8%
NZSE:FIN
19.6%
NZ Software
12.5%
NZ Market
FIN Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Finzsoft Solutions (FIN) 0% - - -31.8% -33.3% 177.8%
NZ Software -0% 3.2% 21.5% 19.6% 82.8% 99.3%
NZ Market 0.7% 2.1% 7.4% 12.5% 26.9% 51.2%
1 Year Return vs Industry and Market
  • FIN underperformed the Software industry which returned 19.6% over the past year.
  • FIN underperformed the Market in New Zealand which returned 12.5% over the past year.
Price Volatility
FIN
Industry
5yr Volatility vs Market

FIN Value

 Is Finzsoft Solutions 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
  • It is not possible to calculate the future cash flow value for Finzsoft Solutions. This is due to cash flow or dividend data being unavailable. The share price is NZ$1.5.
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 Finzsoft Solutions's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Finzsoft Solutions's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
NZSE:FIN PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in NZD NZ$-0.16
NZSE:FIN Share Price ** NZSE (2019-05-03) in NZD NZ$1.5
Oceania Software Industry PE Ratio Median Figure of 23 Publicly-Listed Software Companies 38.8x
New Zealand Market PE Ratio Median Figure of 90 Publicly-Listed Companies 18.24x

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

** Primary Listing of Finzsoft Solutions.

NZSE:FIN PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= NZSE:FIN Share Price ÷ EPS (both in NZD)

= 1.5 ÷ -0.16

-9.16x

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

  • Finzsoft Solutions is loss making, we can't compare its value to the Oceania Software industry average.
  • Finzsoft Solutions is loss making, we can't compare the value of its earnings to the New Zealand market.
Price based on expected Growth
Does Finzsoft Solutions's expected growth come at a high price?
Raw Data
NZSE:FIN PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section -9.16x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts
54.9%per year
Oceania Software Industry PEG Ratio Median Figure of 17 Publicly-Listed Software Companies 2.58x
New Zealand Market PEG Ratio Median Figure of 66 Publicly-Listed Companies 1.45x

*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 Finzsoft Solutions, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Finzsoft Solutions's assets?
Raw Data
NZSE:FIN PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in NZD NZ$0.47
NZSE:FIN Share Price * NZSE (2019-05-03) in NZD NZ$1.5
New Zealand Software Industry PB Ratio Median Figure of 10 Publicly-Listed Software Companies 3.85x
New Zealand Market PB Ratio Median Figure of 126 Publicly-Listed Companies 1.55x
NZSE:FIN PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= NZSE:FIN Share Price ÷ Book Value per Share (both in NZD)

= 1.5 ÷ 0.47

3.21x

* Primary Listing of Finzsoft Solutions.

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

  • Finzsoft Solutions is good value based on assets compared to the NZ Software industry average.
X
Value checks
We assess Finzsoft Solutions'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. Finzsoft Solutions has a total score of 1/6, 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.

FIN Future Performance

 How is Finzsoft Solutions expected to perform in the next 1 to 3 years based on estimates from 0 analysts?

  • No analysts cover Finzsoft Solutions, 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
54.9%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Finzsoft Solutions expected to grow at an attractive rate?
  • Finzsoft Solutions's earnings growth is expected to exceed the low risk savings rate of 2.4%.
Growth vs Market Checks
  • Finzsoft Solutions's earnings growth is expected to exceed the New Zealand market average.
  • Unable to compare Finzsoft Solutions's revenue growth to the New Zealand market average as no estimate data is available.
Annual Growth Rates Comparison
Raw Data
NZSE:FIN Future Growth Rates Data Sources
Data Point Source Value (per year)
NZSE:FIN Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 0 Analysts 54.9%
New Zealand Software Industry Earnings Growth Rate Market Cap Weighted Average 25.5%
Oceania Software Industry Revenue Growth Rate Market Cap Weighted Average 17.8%
New Zealand Market Earnings Growth Rate Market Cap Weighted Average 7%
New Zealand Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*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
NZSE:FIN Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (4 months ago) See Below
Future Estimates Average of up to 0 Analyst Estimates (S&P Global) See Below
All numbers in NZD Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
NZSE:FIN Past Financials Data
Date (Data in NZD Millions) Revenue Cash Flow Net Income *
2018-12-31 14 -1 -1
2018-09-30 14 0 -1
2018-06-30 15 0 -1
2018-03-31 14 1 0
2017-12-31 14 1 0
2017-09-30 15 3 1
2017-06-30 17 4 2
2016-12-31 18 4 2
2016-09-30 17 2 1
2016-06-30 17 0 0
2016-03-31 18 0 0

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Finzsoft Solutions's earnings are expected to grow significantly at over 20% yearly.
  • Unable to determine if Finzsoft Solutions is high growth as no revenue estimate data is available.
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
NZSE:FIN 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 0 Analyst Estimates (S&P Global) See Below

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

NZSE:FIN Past Financials Data
Date (Data in NZD Millions) EPS *
2018-12-31 -0.16
2018-09-30 -0.12
2018-06-30 -0.08
2018-03-31 -0.03
2017-12-31 0.02
2017-09-30 0.15
2017-06-30 0.28
2016-12-31 0.22
2016-09-30 0.12
2016-06-30 0.02
2016-03-31 0.02

*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.
  • Unable to establish if Finzsoft Solutions will efficiently use shareholders’ funds in the future without estimates of Return on Equity.
X
Future performance checks
We assess Finzsoft Solutions'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 New Zealand market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the Oceania 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.
Finzsoft Solutions has a total score of 3/6, 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.

FIN Past Performance

  How has Finzsoft Solutions 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 Finzsoft Solutions'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.
  • Finzsoft Solutions does not make a profit and their year on year earnings growth rate was negative over the past 5 years.
  • Unable to compare Finzsoft Solutions's 1-year earnings growth to the 5-year average as it is not currently profitable.
  • Unable to compare Finzsoft Solutions's 1-year growth to the Oceania Software industry average as it is not currently profitable.
Earnings and Revenue History
Finzsoft Solutions'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 Finzsoft Solutions Company Filings, last reported 4 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

NZSE:FIN Past Revenue, Cash Flow and Net Income Data
Date (Data in NZD Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 13.84 -1.44 3.51
2018-09-30 14.24 -1.09 3.47
2018-06-30 14.64 -0.73 3.44
2018-03-31 14.21 -0.29 3.12
2017-12-31 13.78 0.16 2.79
2017-09-30 15.25 1.33 2.70
2017-06-30 16.72 2.50 2.61
2016-12-31 17.50 1.95 2.79
2016-09-30 17.49 1.07 3.31
2016-06-30 17.48 0.18 3.83
2016-03-31 17.86 0.20 4.18
2015-12-31 20.26 0.51 4.36
2015-09-30 22.66 0.81 4.55
2015-06-30 21.12 1.74 3.59
2015-03-31 19.58 2.68 2.64
2014-12-31 16.33 2.76 2.04
2014-09-30 13.08 2.84 1.45
2014-06-30 11.25 1.80 1.45
2014-03-31 9.42 0.75 1.45
2013-12-31 8.84 0.39 1.47
2013-09-30 8.26 0.03 1.48
2013-06-30 8.53 0.21 1.49
2013-03-31 8.81 0.40 1.50
2012-12-31 8.55 -0.13 1.85
2012-09-30 8.30 -0.67 2.20
2012-06-30 7.95 -0.61 2.25

*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.
  • It is difficult to establish if Finzsoft Solutions has efficiently used shareholders’ funds last year (Return on Equity greater than 20%) as it is loss-making.
  • It is difficult to establish if Finzsoft Solutions has efficiently used its assets last year compared to the Oceania Software industry average (Return on Assets) as it is loss-making.
  • It is difficult to establish if Finzsoft Solutions improved its use of capital last year versus 3 years ago (Return on Capital Employed) as it is currently loss-making.
X
Past performance checks
We assess Finzsoft Solutions'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.
Finzsoft Solutions has a total score of 0/6, 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.

FIN Health

 How is Finzsoft Solutions'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 Finzsoft Solutions's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Finzsoft Solutions's short term (1 year) commitments are greater than its holdings of cash and other short term assets.
  • Finzsoft Solutions's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Finzsoft Solutions'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 1.5x 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 Finzsoft Solutions Company Filings, last reported 4 months ago.

NZSE:FIN Past Debt and Equity Data
Date (Data in NZD Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 4.11 1.50 0.51
2018-09-30 4.11 1.50 0.51
2018-06-30 6.48 1.10 1.45
2018-03-31 6.48 1.10 1.45
2017-12-31 6.91 0.00 2.50
2017-09-30 6.91 0.00 2.50
2017-06-30 7.21 0.00 2.36
2016-12-31 6.76 0.00 3.19
2016-09-30 6.76 0.00 3.19
2016-06-30 4.76 0.75 0.42
2016-03-31 4.77 0.77 0.21
2015-12-31 4.77 0.77 0.21
2015-09-30 4.81 0.06 1.77
2015-06-30 4.81 0.06 1.77
2015-03-31 4.19 0.02 1.19
2014-12-31 4.19 0.02 1.19
2014-09-30 5.46 0.08 0.92
2014-06-30 5.46 0.08 0.92
2014-03-31 3.41 0.03 0.81
2013-12-31 3.41 0.03 0.81
2013-09-30 2.62 0.08 0.27
2013-06-30 2.62 0.08 0.27
2013-03-31 2.72 0.13 0.03
2012-12-31 2.72 0.13 0.03
2012-09-30 2.61 0.16 0.33
2012-06-30 2.61 0.16 0.33
  • Finzsoft Solutions's level of debt (36.5%) compared to net worth is satisfactory (less than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (1% vs 36.5% today).
  • Operating cash flow is negative therefore debt is not well covered.
  • Unable to confirm if the interest payments on Finzsoft Solutions's debt are well covered by earnings due to lack of past financial data.
X
Financial health checks
We assess Finzsoft Solutions'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. Finzsoft Solutions has a total score of 2/6, 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.

FIN Dividends

 What is Finzsoft Solutions'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
0%
Current annual income from Finzsoft Solutions dividends.
If you bought NZ$2,000 of Finzsoft Solutions shares you are expected to receive NZ$0 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?
  • Unable to evaluate Finzsoft Solutions's dividend yield against the bottom 25% of dividend payers as the company has not reported any payouts.
  • Unable to evaluate Finzsoft Solutions's dividend against the top 25% market benchmark as the company has not reported any payouts.
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
NZSE:FIN 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 0 Analyst Estimates (S&P Global) See Below
Oceania Software Industry Average Dividend Yield Market Cap Weighted Average of 15 Stocks 1.3%
New Zealand Market Average Dividend Yield Market Cap Weighted Average of 73 Stocks 3.8%
New Zealand Minimum Threshold Dividend Yield 10th Percentile 2.2%
New Zealand Bottom 25% Dividend Yield 25th Percentile 3.3%
New Zealand Top 25% Dividend Yield 75th Percentile 5.7%

Industry and Market average data is calculated daily.

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

NZSE:FIN Past Annualized Dividends Data
Date (Data in NZ$) Dividend per share (annual) Avg. Yield (%)
2017-05-25 0.000 0.000
2017-03-02 0.000 0.000
2016-11-01 0.000 0.000
2016-08-31 0.000 0.000
2016-07-05 0.000 0.000
2015-07-03 0.226 8.507
2015-06-02 0.226 6.326
2015-02-20 0.174 4.977
2012-08-30 0.000 0.000
2011-12-05 0.000 0.000
2011-10-07 0.000 0.000
2010-10-29 0.040 13.321

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

  • Unable to perform a dividend volatility check as Finzsoft Solutions has not reported any payouts.
  • Unable to verify if Finzsoft Solutions's dividend has been increasing as the company has not reported any payouts.
Current Payout to shareholders
What portion of Finzsoft Solutions's earnings are paid to the shareholders as a dividend.
  • Unable to calculate sustainability of dividends as Finzsoft Solutions has not reported any payouts.
Future Payout to shareholders
  • Insufficient estimate data to determine if a dividend will be paid in 3 years and that it will be sustainable.
X
Income/ dividend checks
We assess Finzsoft Solutions's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 2.2%) - 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 Finzsoft Solutions afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Finzsoft Solutions has a total score of 0/6, see the detailed checks below.


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

FIN Management

 What is the CEO of Finzsoft Solutions'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
Andrew Holliday
COMPENSATION NZ$552,900
TENURE AS CEO 7.2 years
CEO Bio

Mr. Andrew Holliday serves as Managing Director of Finzsoft Solutions Limited since March 23, 2012. Mr. Holliday served as the Joint Managing Director of Finzsoft Solutions Limited since March 2012. He has been the Director of Finzsoft Solutions Limited since June 26, 2007. Mr. Holliday serves as the Director of Holliday Group Holdings (ICT Investments) Limited.

CEO Compensation
  • Andrew's compensation has been consistent with company performance over the past year, both up more than 20%.
  • Andrew's remuneration is higher than average for companies of similar size in New Zealand.
Management Team

Andrew Holliday

TITLE
MD & Director
COMPENSATION
NZ$553K
TENURE
7.2 yrs

Tim Hurring

TITLE
Chief Technical Officer
Board of Directors Tenure

Average tenure of the Finzsoft Solutions board of directors in years:

0.4
Average Tenure
  • The average tenure for the Finzsoft Solutions board of directors is less than 3 years, this suggests a new board.
Board of Directors

Bob McKinnon

TITLE
Independent Chairman
AGE
65
TENURE
0.4 yrs

Andrew Holliday

TITLE
MD & Director
COMPENSATION
NZ$553K
TENURE
11.9 yrs

J. Grierson

TITLE
Deputy Chairman
TENURE
0.3 yrs

Gary Sim

TITLE
Non Executive Director
COMPENSATION
NZ$382K
TENURE
4.6 yrs

Raymond Kwong

TITLE
Director
AGE
61
TENURE
4.1 yrs

Helen Hatchard

TITLE
Non-Independent Non-Executive Director
TENURE
0.4 yrs

Simon Scott

TITLE
Former Director
TENURE
0.3 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 (NZ$) Value (NZ$)
X
Management checks
We assess Finzsoft Solutions'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. Finzsoft Solutions 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.

FIN News

Simply Wall St News

Is Finzsoft Solutions Limited (NZSE:FIN) A Financially Sound Company?

While small-cap stocks, such as Finzsoft Solutions Limited (NZSE:FIN) with its market cap of NZ$14m, are popular for their explosive growth, investors should also be aware of their balance sheet to judge whether the company can survive a downturn.

Simply Wall St -

Will Finzsoft Solutions Limited (NZSE:FIN) Continue To Underperform Its Industry?

This analysis is intended to introduce important early concepts to people who are starting to invest. … and want to better understand how you can grow your money by investing in Finzsoft Solutions Limited (NZSE:FIN). … Finzsoft Solutions Limited’s (NZSE:FIN) most recent return on equity was a substandard 2.33% relative to its industry performance of 15.79% over the past year.

Simply Wall St -

Why Finzsoft Solutions Limited (NZSE:FIN) May Not Be As Efficient As Its Industry

and want to better understand how you can grow your money by investing in Finzsoft Solutions Limited (NZSE:FIN). … Finzsoft Solutions Limited (NZSE:FIN) delivered a less impressive 2.33% ROE over the past year, compared to the 15.79% return generated by its industry. … Return on Equity (ROE) is a measure of Finzsoft Solutions’s profit relative to its shareholders’ equity.

Simply Wall St -

How Much is Finzsoft Solutions Limited's (NZE:FIN) CEO Getting Paid?

Performance can be measured based on factors such as earnings and total shareholder return (TSR). … I believe earnings is a cleaner proxy, since many factors can impact share price, and therefore, TSR. … Based on the size of FIN in terms of market cap, as well as its performance, using earnings as a proxy, it seems that Holliday is remunerated higher than other NZ CEOs of profitable small-caps.

Simply Wall St -

Why Finzsoft Solutions Limited (NZE:FIN) Delivered An Inferior ROE Compared To The Industry

Finzsoft Solutions Limited (NZSE:FIN) generated a below-average return on equity of 2.33% in the past 12 months, while its industry returned 12.42%. … Check out our latest analysis for Finzsoft Solutions What you must know about ROE Return on Equity (ROE) weighs Finzsoft Solutions’s profit against the level of its shareholders’ equity. … For now, let’s just look at the cost of equity number for Finzsoft Solutions, which is 10.01%.

Simply Wall St -

Is It Time To Sell Finzsoft Solutions Limited (NZE:FIN) Based Off Its PE Ratio?

Formula Price-Earnings Ratio = Price per share ÷ Earnings per share P/E Calculation for FIN Price per share = NZ$2.5 Earnings per share = NZ$0.018 ∴ Price-Earnings Ratio = NZ$2.5 ÷ NZ$0.018 = 136.9x On its own, the P/E ratio doesn’t tell you much; however, it becomes extremely useful when you compare it with other similar companies. … Since FIN's P/E of 136.9x is higher than its industry peers (31.4x), it means that investors are paying more than they should for each dollar of FIN's earnings. … For example, if you accidentally compared lower growth firms with FIN, then FIN’s P/E would naturally be higher since investors would reward FIN’s higher growth with a higher price.

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Should You Be Concerned With Finzsoft Solutions Limited's (NZE:FIN) -91.75% Earnings Drop?

After reading Finzsoft Solutions Limited's (NZSE:FIN) 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. … For Finzsoft Solutions, its latest trailing-twelve-month earnings is NZ$160.90K, which, in comparison to the previous year's figure, has declined by a non-trivial -91.75%. … Typically companies that face a drawn out period of reduction in earnings are undergoing some sort of reinvestment phase Although, if the entire industry is struggling to grow over time, it may be a sign of a structural change, which makes Finzsoft Solutions and its peers a riskier investment.

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What You Must Know About Finzsoft Solutions Limited's (NZE:FIN) Major Investors

Insider Ownership I find insiders are another important group of stakeholders, who are directly involved in making key decisions related to the use of capital. … Private Company Ownership Potential investors in FIN should also look at another important group of investors: private companies, with a stake of 85.47%, who are primarily invested because of strategic and capital gain interests. … As a result, potential investors should further explore the company's business relations with these companies and find out if they can affect shareholder returns in the long-term.Next Steps: Institutional ownership level and composition in FIN is not high nor active enough to significantly impact its investment thesis.

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Finzsoft Solutions Limited (NZE:FIN): Is Now The Time To Bet On Tech?

Today, I will analyse the industry outlook, and also determine whether Finzsoft Solutions is a laggard or leader relative to its tech sector peers. … See our latest analysis for Finzsoft Solutions What’s the catalyst for Finzsoft Solutions's sector growth? … In terms of returns, Finzsoft Solutions generated 41.70% in the past year, which is 28.70% over the tech sector.

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Is Finzsoft Solutions Limited's (NZSE:FIN) 41.70% ROE Good Enough Compared To Its Industry?

See our latest analysis for FIN Peeling the layers of ROE – trisecting a company’s profitability Return on Equity (ROE) weighs FIN’s profit against the level of its shareholders’ equity. … Return on Equity = Net Profit ÷ Shareholders Equity ROE is measured against cost of equity in order to determine the efficiency of FIN’s equity capital deployed. … This is called the Dupont Formula: Dupont Formula ROE = profit margin × asset turnover × financial leverage ROE = (annual net profit ÷ sales) × (sales ÷ assets) × (assets ÷ shareholders’ equity) ROE = annual net profit ÷ shareholders’ equity NZSE:FIN Last Perf Nov 29th 17 Essentially, profit margin shows how much money the company makes after paying for all its expenses.

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FIN Company Info

Description

Finzsoft Solutions Limited, together with its subsidiaries, develops, sells, and supports computer software for the banking and finance sector in Australia, New Zealand, and internationally. It offers demand generation solutions; secure mobile and Internet banking solutions; various tools to facilitate the automated lifecycle of lending management; transactional banking and investment solutions; collection solutions; publishing and media management document solutions; analytics and reporting software; and wholesale business solutions, as well as sovereign solutions for financial services institutions. In addition, it engages in the provision of consulting services; maintenance and support services; and other contracted services. The company was founded in 1986 and is based in Auckland, New Zealand.

Details
Name: Finzsoft Solutions Limited
FIN
Exchange: NZSE
Founded: 1986
NZ$13,213,245
8,808,830
Website: http://www.finzsoft.com
Address: Finzsoft Solutions Limited
Australis Nathan Building,
Level 4,
Auckland,
1010,
New Zealand
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
NZSE FIN Ordinary Shares New Zealand Stock Exchange NZ NZD 28. Dec 2000
Number of employees
Current staff
Staff numbers
0
Finzsoft Solutions employees.
Industry
Application Software
Software
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/05/23 10:31
End of day share price update: 2019/05/03 00:00
Last earnings filing: 2019/03/03
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/06/30


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.