Fintech Select Ltd (FTEC) AI Stock Analysis

• Market Cap: C$2.00M
• Dividend Yield: N/A
• Average Volume (3M): 51.37K
• Price to Earnings (P/E): 4.5
• Beta (1Y): -0.50
• Revenue Growth: 6.45%
• EPS Growth: N/A
• Country: CA
• Employees: 51
• Sector: Financial
• Sector Strength: 82
• Industry: Software - Infrastructure
• EPS (TTM): <0.01
• Shares Outstanding: 80,049,515
• 10 Day Avg. Volume: 61,200
• 30 Day Avg. Volume: 51,365
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.50
• Price to Cash Flow (P/CF): -8.30
• P/FCF Ratio: 0.00
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Fintech Select Ltd's overall stock score of 58 reflects its mixed financial performance, with strengths in revenue growth and operational improvements offset by financial instability and cash flow volatility. The technical analysis indicates stable near-term prospects, while the low P/E ratio suggests valuation upside. However, the absence of dividend yield and potential financial risks weigh on the overall score.

Fintech Select Ltd Business Overview & Revenue Model

Company Description

Fintech Select Ltd (FTEC) is a Canadian company that operates in the financial technology sector. The company provides a range of financial solutions including mobile banking, e-wallets, and cryptocurrency-related services. Fintech Select aims to enhance financial inclusion by offering technology-driven payment solutions that cater to both consumers and businesses.

How the Company Makes Money

Fintech Select Ltd generates revenue primarily through transaction fees associated with its payment processing services and e-wallet platforms. The company earns money by facilitating transactions between consumers and merchants, charging a percentage of each transaction as a fee. Additionally, Fintech Select may have revenue streams from partnerships with financial institutions and businesses that utilize its technology for enhanced payment solutions. These partnerships can lead to recurring revenue from service agreements or licensing fees for the use of Fintech Select's platforms. The company may also capitalize on the growing interest in cryptocurrency by offering related services, which could include transaction fees or service charges associated with cryptocurrency exchanges or wallet services.

Fintech Select Ltd Financial Statement Overview

Summary

Fintech Select Ltd's financial performance is mixed. The income statement shows strong revenue growth and improved margins in the TTM period, but historical profitability has been inconsistent. The balance sheet indicates financial instability with negative equity positions, although recent debt reduction is a positive sign. Cash flow generation is improving, yet past volatility suggests potential risks. Overall, while there are positive growth indicators, significant financial challenges remain.

Income Statement

Fintech Select Ltd's revenue has shown positive growth with a notable increase in the most recent TTM period. The gross profit margin remains strong, indicating effective cost management. However, the net profit margin has fluctuated over the years, showing some inconsistency in profitability. The TTM period reflects a positive EBIT and EBITDA margin, indicating operational efficiency improvements.

Balance Sheet

The company's balance sheet shows a negative stockholders' equity, which indicates financial instability. Despite the absence of debt in the latest TTM period, historical data reveals significant liabilities surpassing assets. The equity ratio remains negative, highlighting the company's weak financial positioning and potential risks.

Cash Flow

Fintech Select Ltd has shown positive free cash flow growth and a satisfactory operating cash flow to net income ratio in the TTM period. However, prior years displayed volatility in free cash flow, raising concerns about cash flow consistency. The company's ability to generate cash from operations is improving, but historical fluctuations pose risks.

Breakdown
TTM	Dec 2023	Dec 2022	Dec 2021	Dec 2020	Dec 2019
Income Statement		Total Revenue
4.03M	3.82M	2.59M	2.77M	2.88M	3.28M
	Gross Profit
2.20M	3.60M	2.40M	2.53M	2.53M	2.82M
	EBIT
445.69K	226.13K	-578.94K	-112.80K	311.96K	-269.42K
	EBITDA
475.85K	415.13K	1.34M	59.38K	601.11K	6.83K
	Net Income Common Stockholders
473.79K	329.21K	1.20M	-112.80K	405.15K	-253.51K
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
64.02K	294.68K	147.83K	364.31K	221.60K	110.42K
	Total Assets
709.95K	555.25K	483.03K	1.22M	1.26M	1.19M
	Total Debt
190.94K	89.16K	535.36K	308.01K	435.13K	566.90K
	Net Debt
190.94K	74.06K	499.80K	236.37K	398.12K	540.68K
	Total Liabilities
4.24M	1.34M	1.89M	3.91M	4.08M	4.62M
	Stockholders Equity
-3.53M	-786.95K	-1.41M	-2.68M	-2.82M	-3.43M
Cash Flow		Free Cash Flow
351.04K	432.72K	-248.91K	121.83K	113.73K	119.36K
	Operating Cash Flow
353.95K	434.91K	-243.62K	124.19K	165.22K	150.23K
	Investing Cash Flow
-2.91K	-2.19K	-5.29K	-2.36K	17.01K	18.27K
	Financing Cash Flow
-93.71K	-452.96K	212.36K	-87.06K	-171.70K	-158.00K

Fintech Select Ltd Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.02
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:FTEC, the sentiment is Negative. The current price of 0.02 is below the 20-day moving average (MA) of 0.02, below the 50-day MA of 0.03, and below the 200-day MA of 0.03, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 43.08 is Neutral, neither overbought nor oversold. The STOCH value of -33.33 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:FTEC.

Fintech Select Ltd Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PAY	77 Outperform	$192.32M	9.95	22.19%	―	26.40%	71.37%
Sector *	64 Neutral	$14.25B	10.26	8.97%	4.33%	16.33%	-11.91%
LSPD	59 Neutral	C$1.99B	―	-5.18%	―	23.95%	39.68%
FTEC	58 Neutral	C$2.00M	4.55	-981.49%	―	6.45%	―
QNC	51 Neutral	C$110.45M	―	-669.49%	―	―	―
MOGO	44 Neutral	$31.57M	―	-16.02%	―	8.35%	84.36%
XTM	42 Neutral	C$2.86M	―	-51.06%	―	―	14.08%