FINEOS Corporation Holdings Plc Shs Chess Depositary Interests Repr 1 Sh (FCL) AI Stock Analysis

• Market Cap: AU$1.09B
• Dividend Yield: N/A
• Average Volume (3M): 470.35K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.73
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: AU
• Employees: 893
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): -0.64
• Shares Outstanding: 344,192,750
• 10 Day Avg. Volume: 577,420
• 30 Day Avg. Volume: 470,353
• PEG Ratio: 0.00
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• 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: AU$3.40
• Price Target Upside: 13.33% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 62 Neutral
• Price Target: AU$3.00 ▲(0.00% Upside)

The score is primarily supported by a strong balance sheet and improved cash flow, with technicals also constructive as the price trades above key moving averages. The main drag is ongoing losses (negative earnings/EBIT), which also weakens valuation given the negative P/E.

FINEOS Corporation Holdings Plc Shs Chess Depositary Interests Repr 1 Sh Business Overview & Revenue Model

Company Description

FINEOS Corporation Holdings plc engages in the development and sale of enterprise claims and policy management software for the life, accident, and health insurance industry worldwide. The company offers FINEOS Platform, a software-as-a-service core insurance platform. Its FINEOS Platform comprises FINEOS AdminSuite, a comprehensive core insurance suite; FINEOS Engage, makes connection across customers and partners to create frictionless engagement and agile business relationships; and FINEOS Insight that offers real-time analytics to influence business decisions and drive better outcomes. It also offers professional and customer support services, as well as employee benefit and insurance underwriting solutions. The company was founded in 1993 and is headquartered in Dublin, Ireland.

How the Company Makes Money

FINEOS Corporation Holdings Plc Shs Chess Depositary Interests Repr 1 Sh Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	101.53M	133.22M	122.24M	125.04M	127.25M	108.34M
Gross Profit	153.32M	100.43M	87.44M	85.70M	83.03M	72.05M
EBITDA	-286.20K	32.78M	-12.84M	1.70M	6.28M	4.69M
Net Income	-3.58M	-5.80M	-13.79M	-21.42M	-26.00M	-12.49M
Balance Sheet
Total Assets	197.79M	197.79M	196.31M	201.17M	223.41M	184.47M
Cash, Cash Equivalents and Short-Term Investments	62.47M	19.83M	28.14M	25.52M	44.31M	14.00M
Total Debt	4.07M	4.07M	0.00	4.59M	4.56M	5.26M
Total Liabilities	33.29M	33.29M	33.02M	54.03M	54.12M	48.13M
Stockholders Equity	275.02M	164.50M	163.28M	147.14M	169.29M	136.34M
Cash Flow
Free Cash Flow	66.34M	20.10M	-15.14M	-9.54M	-8.73M	-20.69M
Operating Cash Flow	67.49M	20.64M	-14.90M	17.89M	18.09M	5.55M
Investing Cash Flow	-57.65M	-28.92M	-27.05M	-29.80M	-26.82M	-85.49M
Financing Cash Flow	58.95K	-24.14K	47.19M	88.13K	45.21M	56.14M

FINEOS Corporation Holdings Plc Shs Chess Depositary Interests Repr 1 Sh Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BVS	71 Outperform	AU$1.15B	15.46	65.33%	10.16%	25.67%	744.90%
FCL	62 Neutral	AU$1.09B	-367.05	-1.11%	―	―	―
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
RUL	55 Neutral	AU$1.10B	388.28	<0.01%	―	-29.99%	-66.84%
RDY	54 Neutral	AU$300.26M	-18.01	-11.03%	―	7.06%	-389.48%
NXL	43 Neutral	AU$622.46M	-66.43	-3.19%	―	0.40%	-280.65%

FINEOS Corporation Holdings Plc Shs Chess Depositary Interests Repr 1 Sh Corporate Events

FINEOS Appoints New Director with No Initial Securities Interest

FINEOS Corporation Holdings PLC has announced the appointment of Stephen Devine as a director, effective December 3, 2025. The initial director’s interest notice indicates that Stephen Devine currently holds no relevant interests in securities or contracts with the company, suggesting a neutral impact on the company’s operations and stakeholder interests.

The most recent analyst rating on (AU:FCL) stock is a Buy with a A$3.48 price target. To see the full list of analyst forecasts on FINEOS Corporation Holdings Plc Shs Chess Depositary Interests Repr 1 Sh stock, see the AU:FCL Stock Forecast page.

FINEOS Corporation Expands Market Presence with New ASX Quotation

FINEOS Corporation Holdings Plc has announced the quotation of 2,783,500 CHESS Depositary Interests on the Australian Securities Exchange (ASX), effective November 28, 2025. This move is part of the company’s strategy to enhance its market presence and provide liquidity options for its stakeholders, potentially impacting its operational capabilities and industry positioning.

The most recent analyst rating on (AU:FCL) stock is a Buy with a A$3.45 price target. To see the full list of analyst forecasts on FINEOS Corporation Holdings Plc Shs Chess Depositary Interests Repr 1 Sh stock, see the AU:FCL Stock Forecast page.

AMP Limited Ceases Substantial Holding in Fineos Corp

AMP Limited has announced that it is no longer a substantial holder in Fineos Corp Ltd, a company known for its software solutions in the insurance sector. This change in holding may impact Fineos Corp’s market perception and stakeholder interests, as AMP Limited’s divestment could signal a shift in investment strategy or confidence in the company’s future performance.

The most recent analyst rating on (AU:FCL) stock is a Buy with a A$3.45 price target. To see the full list of analyst forecasts on FINEOS Corporation Holdings Plc Shs Chess Depositary Interests Repr 1 Sh stock, see the AU:FCL Stock Forecast page.

FINEOS Announces New Securities Quotation on ASX

FINEOS Corporation Holdings Plc has announced a new application for the quotation of securities on the Australian Securities Exchange (ASX). The announcement details the issuance of CHESS Depositary Interests, with a total of 1,325,000 securities to be quoted across various dates in October 2025. This move is likely aimed at enhancing the company’s liquidity and market presence, potentially impacting its stakeholders by increasing the availability of its securities for trading.

The most recent analyst rating on (AU:FCL) stock is a Buy with a A$3.45 price target. To see the full list of analyst forecasts on FINEOS Corporation Holdings Plc Shs Chess Depositary Interests Repr 1 Sh stock, see the AU:FCL Stock Forecast page.

FINEOS Reports Positive Outlook Amid Revenue Growth and Strategic Client Transitions

FINEOS Corporation Holdings PLC reported its quarterly activity and business update for the period ending 30 September 2025, highlighting revenue growth and operational efficiency gains that support expectations of positive free cash flow for FY25. Despite a seasonal decline in cash receipts, the company maintains a strong North American sales pipeline and continues to invest in product development and customer engagement, as demonstrated by a successful event in Toronto. The company’s strategic focus on transitioning clients to its SaaS-based FINEOS Platform is expected to drive ongoing profitable growth.

The most recent analyst rating on (AU:FCL) stock is a Buy with a A$3.45 price target. To see the full list of analyst forecasts on FINEOS Corporation Holdings Plc Shs Chess Depositary Interests Repr 1 Sh stock, see the AU:FCL Stock Forecast page.

FINEOS Announces Strategic Board Changes to Drive Growth

FINEOS Corporation Holdings PLC has announced significant changes to its board, with Founder and CEO Michael Kelly assuming the role of Executive Chairman while retaining his CEO position, effective January 2026. This transition follows the retirement of Anne O’Driscoll, who has been instrumental in enhancing the company’s governance and market strategy. Additionally, Stephen Devine, an experienced actuary and former CEO of SCOR UK & Ireland, will join the board as a Non-Executive Director, bringing extensive international insurance expertise. These changes are set to bolster FINEOS’s strategic growth and governance as it continues to expand its influence in the insurance industry.

The most recent analyst rating on (AU:FCL) stock is a Buy with a A$3.45 price target. To see the full list of analyst forecasts on FINEOS Corporation Holdings Plc Shs Chess Depositary Interests Repr 1 Sh stock, see the AU:FCL Stock Forecast page.