NZSE:FIN

Stock Analysis Report

Executive Summary

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.

Snowflake

Fundamentals

Moderate growth potential with imperfect balance sheet.

Risks

  • Finzsoft Solutions is not covered by any analysts.

Share Price & News

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


Latest Share Price and Events


Market Performance


7 Day Return

-17.3%

NZSE:FIN

-3.8%

NZ Software

0.9%

NZ Market


1 Year Return

n/a

NZSE:FIN

12.5%

NZ Software

11.7%

NZ Market

No trading data on FIN.

No trading data on FIN.


Share holder returns

FINIndustryMarket
7 Day-17.3%-3.8%0.9%
30 Day-17.3%-4.9%3.5%
90 Dayn/a4.7%5.4%
1 Yearn/a12.8%12.5%16.4%11.7%
3 Year-46.1%-46.1%73.7%71.7%47.5%27.6%
5 Year80.5%72.2%39.9%38.0%103.3%57.2%

Price Volatility Vs. Market

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


Simply Wall St News

Valuation

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

2.66x

Price to Book (PB) ratio


Intrinsic Value Based on Future Cash Flows

Unable to calculate intrinsic value for Finzsoft Solutions to establish if it is available at moderate discount.

Unable to calculate intrinsic value for Finzsoft Solutions to establish if it is available at substantial discount.


Price Based on Earnings

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

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


Price Based on Value of Assets

Finzsoft Solutions is good value based on assets compared to the NZ Software industry average.


Next Steps

Future Growth

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

54.9%

Forecasted annual earnings growth


Earnings and Revenue Growth Estimates


Future Annual Growth Analysis

Unable to determine if Finzsoft Solutions is high growth as no revenue estimate data is available.

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

Unable to compare Finzsoft Solutions's revenue growth to the New Zealand market average as no estimate data is available.

Finzsoft Solutions's earnings growth is expected to exceed the New Zealand market average.

Finzsoft Solutions's earnings growth is expected to exceed the low risk savings rate of 2.4%.


Earnings per Share Growth Estimates


Future Return on Equity

Unable to establish if Finzsoft Solutions will efficiently use shareholders’ funds in the future without estimates of Return on Equity.


Next Steps

Past Performance

How has Finzsoft Solutions performed over the past 5 years?

-38.5%

Historical annual earnings growth


Earnings and Revenue History


Past Earnings Growth Analysis

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.


Return on Equity

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.


Return on Assets

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.


Return on Capital Employed

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.


Next Steps

Financial Health

How is Finzsoft Solutions's financial position?


Financial Position Analysis

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.


Debt to Equity History and Analysis

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.


Balance Sheet

Low level of unsold assets.

Debt is covered by short term assets, assets are 1.5x debt.


Next Steps

Dividend

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


Dividend Yield and Payments Analysis

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.

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

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.


Next Steps

Management

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

0.6yrs

Average board tenure


CEO

Andrew Holliday

7.3yrs

Tenure

NZ$552,900

Compensation

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 ...


Board Age and Tenure

0.6yrs

Average Tenure

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


Insider Trading

No 3 month individual insider trading information.


Ownership Breakdown


Management Team

  • Tim Hurring

    Chief Technical Officer

  • Andrew Holliday

    MD & Director

    • Tenure: 7.3yrs
    • Compensation: NZ$552.90k

Board Members

  • Raymond Kwong (62yo)

    Director

    • Tenure: 4.3yrs
  • Bob McKinnon (66yo)

    Independent Chairman

    • Tenure: 0.6yrs
  • Andrew Holliday

    MD & Director

    • Tenure: 12.1yrs
    • Compensation: NZ$552.90k
  • Simon Scott

    Former Director

    • Tenure: 0.5yrs
  • Gary Sim

    Non Executive Director

    • Tenure: 4.8yrs
    • Compensation: NZ$382.28k
  • Helen Hatchard

    Non-Independent Non-Executive Director

    • Tenure: 0.6yrs
  • J. Grierson

    Deputy Chairman

    • Tenure: 0.5yrs

Company Information

Finzsoft Solutions Limited's company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Finzsoft Solutions Limited
  • Ticker: FIN
  • Exchange: NZSE
  • Founded: 1986
  • Industry: application software
  • Sector: software
  • Market Cap: NZ$11.011m
  • Shares outstanding: 8.81m
  • Website: Click here

Number of Employees


Location

  • Finzsoft Solutions Limited
  • Australis Nathan Building
  • Level 4
  • Auckland
  • 1010
  • New Zealand

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
FINNZSE (New Zealand Stock Exchange)YesOrdinary SharesNZNZDDec 2000

Biography

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 dema ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2019/07/17 10:34
End of Day Share Price2019/07/17 00:00
Earnings2018/12/31
Annual Earnings2018/06/30


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.