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Financial Analysis

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BANK.L$7.01-3.31%
Fair $7.01+0.0%

BANK.L

Fiinu Plc

Financial Services / Credit ServicesLSE

$7.01

-0.24 (-3.31%)

Fairly Valued+0.0%Fair Value $7.01Fund rank 27/100 · Data gapFallback financials|
SA 5/F
F-Score: 2/9
Low Profitability

Book/ROE base 3Y

n/d

n/d CAGR · P/B n/d

Book/ROE base 5Y

n/d

n/d base · n/d expected

Precio de entrada

n/d

MOS 100% · confianza 20%

Book/ROE escenarios

weak_data · book/share n/d · quality 0.0/100

Data gap 27/100
Bear 5Yn/dn/d
Base 5Yn/dn/d
Bull 5Yn/dn/d
Return 0/100Downside 20/100Model quality 41/100Data QA 20/100

Ranking barato/determinista: CAGR esperado 5Y + downside bear + calidad del modelo + balance + capital allocation + data gate. No entra en buy-candidate si la data es débil o el CAGR 5Y no compensa.

Quality + valuation scorecard

SA Score

5/100

F

Piotroski

2/9

balance/quality

Valuation

50/100

+0.0% upside

5Y CAGR

+0.0%

50/100

Data QA

12/100

SEC 0%

Latest source: unknownPeriods: 3Warnings: 1unknown: 3
No SEC-backed annual rows; valuation uses fallback financial data. Insufficient audited annual history (<3 SEC-backed years); financial Book/ROE targets are disabled until manually verified. ROE is -5.6%, below the 5% threshold
Thesis & Journal · BANK.LLocal privado en este navegador · Fiinu Plc
Plantilla tipo buy-side: tesis, bull/base/bear, catalizadores, riesgos, kill criteria y fecha de revisión. Esto no gasta GPT-5.5; luego lo usamos como contexto del memo.

Sin guardar todavía.

Market Cap

$28M

P/E

N/A

•

EV/EBITDA

N/A

•

ROE

-557.0%

↓

Gross Margin

N/A

•

Debt/Equity

N/A

•
52-Week Range$7
$6$21

TradingView lightweight chart

BANK.L price, volumen y niveles de valoración

Último $7.010Periodo -57.5%
Fair value: $7.010

Price & Ratios

Absolute Values (Left Axis)

Ratios / Percentages (Right Axis)

Financial statement dashboard

Crecimiento, márgenes y provenance

2022–2024 · 2 años de histórico normalizado

Revenue CAGR

—

FCF CAGR

—

FCF margin

—

FCF / Net income

1.28x

Latest source

Provider fallback

Margin decomposition

Último año: revenue — · net income $-700068.0 · FCF $-897627.0

2022-FY → 2024-FY

Gross margin

—— pts

Operating margin

—— pts

Net margin

—— pts

FCF margin

—— pts
MetricTTM
2024
2023
2022
Income Statement
Net Income$-700068.00$-700068.00$-8.3M$-7.8M
EBITDA$-698429.00$-698429.00$-7.1M$-8.2M
EPS-0.00-0.00-0.03-0.03
Balance Sheet
Debt/Equity——0.070.03
Current Ratio2.312.31——
Cash Flow
Free Cash Flow$-897627.00$-897627.00$-6.3M$-5.3M
Returns
ROE-557.0%-557.0%-1007.3%-107.5%
Valuation
P/B15322.8815322.88216.12337.42
Growth & Yield
EPS Growth91.8%91.8%7.6%—

Returns (%)

Leverage & Liquidity

Reverse DCF · market-implied EPS growthterminal P/E 15.0x · COE 10.0%
Reverse DCF requires positive EPS; loss-making or zero-EPS companies cannot produce a clean EPS hurdle.

Qué te dice: cuánto EPS CAGR está descontando el precio si sales al múltiplo terminal indicado. Si el growth observado queda por debajo, el mercado está pidiendo una ejecución muy fina.

Return attribution · 1Y approxreconcilia total +3.9%

Total return

+3.9%

Start / end P/E

n/dx → n/dx

EPS bridge

-0.03 → -0.00

Residual

+3.9%

EPS growthn/d
Multiple reratingn/d
Dividend+0.0%
Residual / FX / buybacks / cross-term+3.9%

EPS/multiple decomposition requires positive EPS at both endpoints; residual absorbs price move not explained by dividends.

Simple additive decomposition: total return = EPS growth contribution + P/E multiple contribution + dividend contribution + explicit residual. The residual captures cross-terms, buybacks/share-count effects, FX, special dividends, data noise and methodology mismatch so the bridge always reconciles.