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Finseta PLC (FIN.L)
GBp12.25
+0.00 (+0.00%)
GB LSE Consumer Cyclical Specialty Retail
Address
14-18 Copthall Avenue EC2R 7DJ
London, GB
London, GB
CEO
James Hickman
Website
finseta.com
IPO
2021-04-06
ISIN GB00BNG7CD28
Also trades on
London Stock Exchange · CSFS.L (GBp)
London Stock Exchange · FIN.L (GBp)
Description
Finseta Plc engages in the provision of payment services, foreign exchange and currency risk management. It offers a proprietary cloud-based software platform known as FXPal, which is designed to cater to the needs of small and medium sized enterprises engaged in international trade. The company was founded by Oliver Bridge on January 21, 2013 and is headquartered in London, the United Kingdom.
Market Cap & Enterprise Value
Merger & Acquisition History
No mergers or acquisitions recorded for this company.
Technical Outlook
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Signal Summary
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| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
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
GBp12.25
+0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
230.9K
Beta
1.49
Float Shares
36.62M
Free Float %
63.2%
Price Performance
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| -7.43% | -7.43% | -7.43% | -35.20% | -43.67% | -43.67% | -75.75% | -77.50% | -77.50% | -77.50% | -77.50% |
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
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Revenue flow
Revenue by geography
Revenue by segment
From
To
Revenue composition
From
To
By product
By geography
Financial Statements
Select metrics from the tables below to build your comparison.
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
Price Targets & DCF
Current price
12.25
Ratings Trend (MoM)
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 0 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
Quality scores
Altman Z-Score
3.82
Safe zone
Piotroski F-Score
4 / 9
Average
MOAT Score
2 / 10
No MOAT
Composite Rating
C
Overall Score
2 / 5
Medium
DCF Score
5 / 5
High
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
2 / 5
Medium
Operational MOAT
✗ Below peers
-
Revenue growth Specialty Retail: +6.4%+9.4% ★ Q4'25: +8.5% (vs Q4'23)
-
EPS growth Specialty Retail: +20.6%-215.7% Q4'25: -141.8% (vs Q4'23)
-
FCF margin FCF growth · Specialty Retail: +29.3%-0.8% Q4'25: -0.3% (vs Q4'23)
-
EBIT margin Specialty Retail: +5.4%-9.8% Q4'25: -11.5% (vs Q4'23)
-
ROIC Specialty Retail: +6.5%-42.3% Q4'25: -92.2% (vs Q4'23)
-
Share dilution Specialty Retail: +0.1%-3.9% ★ Q4'25: +2.8% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Specialty Retail: 0.14×18.73× Q4'25: -19.52× (vs Q4'23)
Valuation Multiples
From
To
Price Forecast (3Y)
From
To
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.
Consensus Estimates
| Metric |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 1 Rev. Ana. 1 EPS Ana. |
Dec 2027 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|
| Revenue |
2.30M
est: 2.30M (+0.1%)
|
4.82M
est: 4.81M (+0.2%)
|
9.65M
est: 9.60M (+0.5%)
|
11.35M
est: 11.40M (-0.4%)
|
12.43M
est: 12.40M (+0.2%)
|
16.40M
16.40M – 16.40M
+32.3% YoY
|
20.50M
20.50M – 20.50M
+25.0% YoY
|
| EBITDA |
-4.02M
est: -1.18M (-240.1%)
|
-5.21M
est: -2.47M (-110.8%)
|
2.06M
est: -4.94M (+141.7%)
|
2.45M
est: -3.56M (+168.9%)
|
115.8K
est: -3.87M (+103.0%)
|
-5.12M
-5.12M – -5.12M
-32.3% YoY
|
-6.40M
-6.40M – -6.40M
-25.0% YoY
|
| EBIT |
-4.17M
est: -1.25M (-234.5%)
|
-5.62M
est: -2.61M (-115.4%)
|
1.44M
est: -5.21M (+127.6%)
|
1.57M
est: -4.13M (+138.1%)
|
-1.22M
est: -4.49M (+72.9%)
|
-5.94M
-5.94M – -5.94M
-32.3% YoY
|
-7.42M
-7.42M – -7.42M
-25.0% YoY
|
| Net Income |
-4.10M
|
-5.61M
est: -69.8K (-7,936.8%)
|
2.13M
est: 662.2K (+222.3%)
|
996.5K
est: 1.04M (-4.3%)
|
-1.11M
est: -694.4K (-60.2%)
|
219.9K
219.9K – 219.9K
+131.7% YoY
|
1.85M
1.85M – 1.85M
+742.1% YoY
|
| SGA |
2.47M
est: 1.70M (+45.3%)
|
3.81M
est: 3.56M (+7.0%)
|
4.42M
est: 7.10M (-37.8%)
|
5.39M
est: 7.76M (-30.6%)
|
7.58M
est: 8.44M (-10.2%)
|
11.17M
11.17M – 11.17M
+32.3% YoY
|
13.96M
13.96M – 13.96M
+25.0% YoY
|
| EPS |
-0.21
|
-0.17
est: 0.00 (-14,555.2%)
|
0.04
est: 0.01 (+242.7%)
|
0.02
est: 0.02 (-3.3%)
|
-0.02
est: -0.01 (-60.0%)
|
0.00
0.00 – 0.00
+131.7% YoY
|
0.03
0.03 – 0.03
+742.1% YoY
|
Historical Ratings (3M)
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-06-08 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-06-05 | C | 2/5 | 5/5 | 1/5 | 1/5 | 1/5 | 1/5 | 2/5 |
| 2026-06-04 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-03 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-02 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-06-01 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-29 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-28 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-27 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-26 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-22 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-21 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-20 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-19 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-18 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 1/5 | 1/5 |
| 2026-05-15 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-14 | B | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 1/5 |
| 2026-05-13 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-12 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-11 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-08 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-05-01 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-30 | B+ | 3/5 | 5/5 | 4/5 | 4/5 | 1/5 | 2/5 | 2/5 |
| 2026-04-29 | B | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-28 | B | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-27 | B | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-24 | B | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-23 | B | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-22 | B | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-21 | B | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-20 | B | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-17 | B | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 1/5 | 2/5 |
| 2026-04-16 | B | 3/5 | 5/5 | 3/5 | 4/5 | 1/5 | 1/5 | 2/5 |
Owner Earnings
Owner's Earnings (history)
From
To
Owner alignment
Owner's Earnings TTM
5.48M
OE per share TTM
0.09
Owner's Yield
114.64%
Maintenance CapEx ratio
—
Maint CapEx / Avg PPE
11.2%
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
This company is not held by any ETF in our universe.
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
-28.3K
Shares Outstanding
57.93M
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
| Name | Title | Compensation | Gender |
|---|---|---|---|
| James Richard Hickman | Chief Executive Officer & Director | 307.2K | male |
| Judy Amanda Happe | Company Secretary & Director | 228.5K | female |
| William Timothy Milton Newton | Chief Information Officer & Executive Director | 141.9K | male |
| Henry Hatton | Sales Director | — | male |
| Andrew Richards | CFO & Executive Director | — | male |
| Joshua Best | Head of Compliance & MLRO | — | male |
| Rob O'Brien | Chief Commercial Officer | — | male |
| Jordanna Curtis | Chief Operating Officer | — | female |
| Chen Xu | Head of Asia | — | male |
| Declan Jones | Chief Product Officer. | — | male |
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
Share your view on this stock and instantly see how the community has voted over the last 6 months.
Community Opinion for FIN.L
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
