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Fineos Corporation Holdings PLC (FCL.AX)

AUD1.99 -0.06 (-2.93%)
IE ASX Technology Software - Application
Address FINEOS House D03 FT97
Dublin, IE
CEO Michael Kelly
Website fineos.com
IPO 2019-08-16
ISIN AU0000054322

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Also trades on Australian Securities Exchange · FCL.AX (AUD) Other OTC · FNCHF (USD)
Description

FINEOS Corporation Holdings plc, together with its subsidiaries, engages in the development and sale of enterprise claims and policy management software for life, accident and health insurers, and employee benefits providers in North America, the Asia Pacific, Europe, the Middle East, and Africa. The company offers FINEOS AdminSuite comprising FINEOS Absence, an absence management software that assists businesses in scheduling, handling, and monitoring employee time away from work; FINEOS Billing, an insurance billing software; FINEOS Claims, a software that automate and streamline the process of managing insurance claims; FINEOS Payments, a payment management software; FINEOS Provider, a provider management solution that enables carriers to manage the process of delivering service; FINEOS Rate, an insurance rating software; and FINEOS Underwrite, An insurance underwriting software that automates the work required to intake RFPs and generate quotes. It also provides market solutions, including FINEOS IDAM, a disability and absence management solution; employee benefits solutions; FINEOS Absence for Employers, enabling employers to manage employee leaves; FINEOS New Business & Underwriting, an enterprise solution designed to automate and streamline new business and underwriting processes; and Life, Accident and Health Insurance Software. In addition, the company offers customer support services; product consulting; and training and education services. Further, it is involved in the provision of professional services and sales, marketing, and product engineering services. The company was founded in 1993 and is headquartered in Dublin, Ireland.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
AUD1.99 -0.06 (-2.93%)
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Volume Profile
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Liquidity & share structure
Average Volume
283.1K
Beta
1.50
Float Shares
149.94M
Free Float %
43.5%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+4.90% -1.53% -9.19% -0.39% -15.74% -14.33% +10.78% +47.70% -32.37% -4.81% -4.81%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
1.99
DCF (Unlevered) 1.79 -10.0%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 100% Bullish
Rating 2026-05 Change
Strong Buy 2 0
Buy 4 0
Hold 0 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
9.34
Safe zone
Piotroski F-Score
4 / 9
Average
MOAT Score
2 / 10
No MOAT
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
4 / 5
High
P/E Score
1 / 5
Low
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
  • Revenue growth Software - Application: +13.0%
    +9.0% Q4'25: +135.8% (vs Q4'23)
  • EPS growth Software - Application: +28.6%
    +58.6% Q4'25: +163.5% (vs Q4'23)
  • FCF margin FCF growth · Software - Application: +45.3%
    +23.3% Q4'25: +7.4% (vs Q4'23)
  • EBIT margin Software - Application: +9.4%
    -8.9% Q4'25: +2.6% (vs Q4'23)
  • ROIC Software - Application: +7.5%
    -8.0% Q4'25: +5.6% (vs Q4'23)
  • Share dilution Software - Application: +0.0%
    +1.8% Q4'25: +1.4% (vs Q4'23)
  • Debt / EBITDA Net debt/EBITDA · Software - Application: -1.16×
    0.12× Q4'25: 0.08× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.51) × ERP
WACC = 99% × Ke + 1% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 1.79 Current price: 1.99
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2018
actual
Dec 2019
actual
Dec 2020
actual
Dec 2021
actual
Dec 2022
actual
Dec 2023
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
2 Rev. Ana.
1 EPS Ana.
Revenue
53.77M
est: 62.70M (-14.2%)
62.81M
est: 63.17M (-0.6%)
87.81M
est: 89.78M (-2.2%)
108.34M
est: 105.01M (+3.2%)
127.25M
est: 122.17M (+4.2%)
125.04M
est: 136.77M (-8.6%)
122.24M
est: 136.77M (-10.6%)
133.22M
est: 131.43M (+1.4%)
152.09M
est.
163.04M
154.89M – 168.73M
+7.2% YoY
EBITDA
4.44M
est: 1.85M (+140.8%)
1.39M
est: 1.86M (-25.0%)
12.82M
est: 13.52M (-5.2%)
4.69M
est: 15.37M (-69.5%)
6.28M
est: 16.95M (-63.0%)
1.70M
est: 18.62M (-90.9%)
-12.84M
est: 18.62M (-169.0%)
32.78M
est: 47.00M (-30.3%)
54.65M
est.
58.59M
55.66M – 60.63M
+7.2% YoY
EBIT
3.73M
est: -7.03M (+153.1%)
746.8K
est: -7.08M (+110.5%)
973.8K
est: 1.66M (-41.4%)
est: 1.89M (-100.0%)
est: 2.09M (-100.0%)
est: 2.29M (-100.0%)
-15.71M
est: 2.29M (-786.1%)
-11.89M
est: -7.09M (-67.8%)
-8.24M
est.
-8.83M
-9.14M – -8.39M
-7.2% YoY
Net Income
1.37M
-1.77M
est: 3.23M (-154.9%)
-227.2K
est: -259.7K (+12.5%)
-12.49M
est: -295.3K (-4,127.3%)
-26.00M
est: -21.42M (-21.4%)
-21.42M
est: -5.79M (-269.8%)
-13.79M
est: -5.79M (-138.0%)
-5.80M
est: -8.20M (+29.3%)
-369.8K
est.
26.46M
24.99M – 27.94M
+7,255.6% YoY
SGA
11.60M
est: 12.24M (-5.2%)
11.84M
est: 12.33M (-4.0%)
15.82M
est: 18.09M (-12.5%)
23.97M
est: 20.56M (+16.6%)
24.10M
est: 22.68M (+6.3%)
26.30M
est: 24.91M (+5.6%)
21.38M
est: 24.91M (-14.1%)
22.00M
est: 25.14M (-12.5%)
29.23M
est.
31.34M
29.77M – 32.43M
+7.2% YoY
EPS
0.01
-0.01
est: 0.01 (-182.4%)
0.00
est: 0.01 (-109.1%)
-0.04
est: -0.02 (-77.4%)
-0.08
est: -0.03 (-151.9%)
-0.07
est: -0.03 (-162.6%)
-0.04
est: -0.03 (-62.9%)
-0.02
est: -0.02 (+29.7%)
0.01
est.
0.08
0.07 – 0.08
+897.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 C 2/5 1/5 1/5 1/5 4/5 1/5 2/5
2026-05-28 C 2/5 1/5 1/5 1/5 4/5 1/5 2/5
2026-05-27 C 2/5 1/5 1/5 1/5 4/5 1/5 2/5
2026-05-26 C 2/5 1/5 1/5 1/5 4/5 1/5 2/5
2026-05-25 C 2/5 1/5 1/5 1/5 4/5 1/5 2/5
2026-05-22 C 2/5 1/5 1/5 1/5 4/5 1/5 2/5
2026-05-21 C 2/5 1/5 1/5 1/5 4/5 1/5 2/5
2026-05-20 C 2/5 1/5 1/5 1/5 4/5 1/5 2/5
2026-05-19 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-05-18 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-05-15 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-05-14 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-05-13 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-05-12 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-05-11 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-05-08 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-07 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-06 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-05 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-04 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-05-01 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-30 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-29 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-28 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-27 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-24 C 2/5 1/5 1/5 1/5 3/5 1/5 3/5
2026-04-23 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-04-22 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-04-21 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-04-20 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-04-17 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5
2026-04-16 C- 1/5 1/5 1/5 1/5 3/5 1/5 2/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
74.23M
OE per share TTM
0.22
Owner's Yield
8.57%
Maintenance CapEx ratio
83.91%
Maint CapEx / Avg PPE
5.2%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 8 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 iShares MSCI Ireland ETF EIRL 0.19% 145.6K 0.50%
2 Schwab International Small-Cap Equity ETF SCHC 0.01% 501.5K 0.06%
3 Vanguard FTSE All-World ex-US Small-Cap ETF VSS 0.01% 1.12M 0.06%
4 Vanguard FTSE Pacific ETF VPL 0.00% 358.3K 0.07%
5 Vanguard FTSE Developed Markets ETF VEA 0.00% 2.72M 0.03%
6 Vanguard ESG International Stock ETF VSGX 0.00% 55.5K 0.10%
7 Vanguard Total International Stock ETF VXUS 0.00% 4.21M 0.05%
8 Vanguard Total World Stock ETF VT 0.00% 216.2K 0.06%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
-13.9K
Shares Outstanding
344.83M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Michael Kelly Founder, Executive Chairman & CEO 834.4K male
David Nicolai Senior Vice President of Sales - North America male
Ian Lynagh Chief Financial Officer male
Joanne McMullan Chief People Officer female
John Brennan Chief Operating Officer male
Jonathan Boylan Chief Technology Officer male
Niall Hannon Head of Information Systems
Orla Keegan Head of Investor Relations
Daniel Watt Chief Marketing Officer and SVP for Product Management & Partnerships male
Paula McGrath Security & Compliance Manager female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits