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Teaminvest Private Group Ltd (AU:TIP)
ASX:TIP
Australian Market

Teaminvest Private Group Ltd (TIP) AI Stock Analysis

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AU:TIP

Teaminvest Private Group Ltd

(Sydney:TIP)

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Neutral 65 (OpenAI - 5.2)
Rating:65Neutral
Price Target:
AU$1.50
▼(-5.06% Downside)
Action:ReiteratedDate:09/03/25
Teaminvest Private Group Ltd's stock score is primarily supported by strong financial performance, particularly in cash flow management and gross profit margins. Technical analysis indicates short-term bullish momentum, though long-term resistance remains a concern. The valuation suggests the stock is relatively expensive, with a modest dividend yield. These factors collectively result in a moderate overall stock score.
Positive Factors
Cash generation
Sustained FCF growth (63.18%) indicates strong cash conversion from operations, which supports durable capital deployment into portfolio companies, funds buyouts or exits without needing external debt, and underpins shareholder distributions or reinvestment over the medium term.
Gross margins
Exceptionally high gross margins (above 99%) reflect minimal direct costs relative to reported income, leaving retained value to build NAV. For an investment vehicle, this supports long-term accumulation of earnings and the ability to fund operational and portfolio support activities.
Conservative leverage
Low leverage (D/E ~0.26) provides financial resilience through economic cycles, preserves capacity to add investments or support portfolio companies, reduces refinancing risk, and gives management flexibility to pursue strategic, long-term value-creation initiatives.
Negative Factors
Revenue decline
A multi-percent revenue decline signals pressure on the company’s cash-generating base; for an investment vehicle this can reduce distributable earnings and slow NAV growth, limiting the pace of reinvestment and reducing optionality for financing portfolio exits over months.
Low returns on equity
ROE around 2.4% indicates the company generates limited profits relative to its equity base, which can constrain long-term shareholder value creation, make it harder to scale retained earnings into meaningful NAV growth, and pressure capital allocation decisions.
Modest profitability metrics
Combined signals of modest EBIT/EBITDA margins and shrinking top-line point to structural challenges in producing consistent profit growth. Over 2-6 months this can limit realized gains from portfolio exits and reduce the firm’s ability to sustainably increase distributions or expand operations.

Teaminvest Private Group Ltd (TIP) vs. iShares MSCI Australia ETF (EWA)

Teaminvest Private Group Ltd Business Overview & Revenue Model

Company DescriptionTeaminvest Private Group Limited is a private equity firm specializing in middle market and mature companies providing buyout and growth capital transactions. The firm prefers to take majority stake in companies. The firm seeks to invest in companies based in Australia, South Africa & United Kingdom. It seeks to invest in companies having annual revenue between AUD10 million ($7.42 million) and AUD100 million ($74.18 million). The firm targets companies with EBITDA between AUD2.5 million ( $1.85 million) and AUD5 million ($3.71 million). The firm funds the investments from its balance sheet. Teaminvest Private Group Limited was founded in 2012 and is based in North Sydney, Australia.
How the Company Makes MoneyTeaminvest Private Group Ltd generates revenue primarily through management fees charged on the assets under management (AUM) for its investment funds. Additionally, the company earns performance fees based on the returns generated for investors, aligning its interests with those of its clients. TIP may also generate income through advisory services, where it offers expertise in investment strategies and market analysis to institutional clients. Strategic partnerships with other financial institutions and investment firms enhance TIP's deal flow and investment opportunities, contributing to its overall revenue. The firm remains focused on building a diversified portfolio, which helps mitigate risks and stabilize earnings across market cycles.

Teaminvest Private Group Ltd Financial Statement Overview

Summary
Teaminvest Private Group Ltd exhibits strong gross profit margins and a solid cash flow position, indicating efficient operations and cash management. However, declining revenue and modest profitability metrics suggest challenges in growth and profitability. The balance sheet is stable with low leverage, but the return on equity is relatively low, indicating room for improvement in generating returns for shareholders.
Income Statement
65
Positive
Teaminvest Private Group Ltd has shown a strong gross profit margin consistently above 99% in the latest year, indicating efficient cost management. However, the net profit margin is relatively low at 2.01%, and revenue has declined by 6.28% compared to the previous year, signaling potential challenges in revenue generation. The EBIT and EBITDA margins are modest, reflecting moderate operational efficiency.
Balance Sheet
70
Positive
The company's debt-to-equity ratio is low at 0.26, indicating a conservative leverage strategy. Return on equity is modest at 2.38%, suggesting limited profitability on shareholders' equity. The equity ratio stands at a healthy level, reflecting a strong equity base relative to total assets.
Cash Flow
75
Positive
The company has achieved a significant free cash flow growth rate of 63.18%, demonstrating improved cash generation capabilities. The operating cash flow to net income ratio is 0.71, indicating a solid conversion of income into cash. The free cash flow to net income ratio is 0.75, reflecting efficient cash management.
BreakdownTTMJun 2025Jun 2024Jun 2023Jun 2022Jun 2021
Income Statement
Total Revenue100.37M100.84M105.11M108.12M87.59M90.47M
Gross Profit12.54M100.80M12.71M15.82M5.50M7.74M
EBITDA7.68M7.55M0.009.08M-1.45M0.00
Net Income1.26M2.03M-2.21M4.06M-17.75M5.20M
Balance Sheet
Total Assets132.64M131.35M133.98M123.67M116.16M132.46M
Cash, Cash Equivalents and Short-Term Investments11.86M7.78M6.40M7.87M6.43M12.35M
Total Debt38.53M21.93M21.88M2.94M4.22M6.01M
Total Liabilities46.12M46.01M50.12M36.85M34.64M33.85M
Stockholders Equity86.31M85.27M83.86M86.83M81.46M98.61M
Cash Flow
Free Cash Flow9.72M5.14M3.14M5.29M-536.00K2.31M
Operating Cash Flow10.80M6.81M5.98M6.88M1.82M5.40M
Investing Cash Flow-2.69M-3.37M-4.89M-2.80M-3.25M-1.88M
Financing Cash Flow-3.46M-2.07M-2.56M-2.64M-4.18M-2.26M

Teaminvest Private Group Ltd Technical Analysis

Technical Analysis Sentiment
Negative
Last Price1.58
Price Trends
50DMA
1.59
Negative
100DMA
1.68
Negative
200DMA
1.71
Negative
Market Momentum
MACD
-0.04
Positive
RSI
26.52
Positive
STOCH
6.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For AU:TIP, the sentiment is Negative. The current price of 1.58 is above the 20-day moving average (MA) of 1.56, below the 50-day MA of 1.59, and below the 200-day MA of 1.71, indicating a bearish trend. The MACD of -0.04 indicates Positive momentum. The RSI at 26.52 is Positive, neither overbought nor oversold. The STOCH value of 6.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for AU:TIP.

Teaminvest Private Group Ltd Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
72
Outperform
AU$76.43M8.4232.22%6.39%22.67%19.47%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
65
Neutral
AU$39.98M31.802.40%1.79%-5.10%
61
Neutral
AU$46.20M9.3815.13%5.00%16.64%19.30%
55
Neutral
AU$65.51M9.778.35%7.22%21.16%47.24%
53
Neutral
AU$30.53M54.412.42%2.03%18.17%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
AU:TIP
Teaminvest Private Group Ltd
1.44
-0.63
-30.37%
AU:CIW
Clime Investment Management Ltd
0.37
-0.02
-5.61%
AU:MAM
Microequities Asset Management Group Ltd.
0.52
-0.03
-5.80%
AU:WTL
WT Financial Group Ltd.
0.14
<0.01
5.47%
AU:PFG
Prime Financial Group Limited
0.26
0.04
15.91%

Teaminvest Private Group Ltd Corporate Events

Teaminvest Private Group issues 1H26 analyst briefing with strong reliance disclaimers
Feb 9, 2026

Teaminvest Private Group Limited has released its 1H26 analyst presentation, aimed at a professional analyst audience and framed strictly as informational rather than advisory. The company emphasises that the material, including any performance references, is general in nature, may draw on unverified public sources, and should not be relied upon without independent review.

The release underscores extensive disclaimers on accuracy, completeness and liability, making clear that TIP and its advisers accept no responsibility for losses arising from use of the information. By highlighting the need for investors to conduct their own due diligence and by stressing that past performance is not indicative of future results, TIP reinforces a cautious, compliance-focused approach in its market communications.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group lifts cash, grows portfolio despite lower fund performance fees
Feb 9, 2026

Teaminvest Private Group reported strong operating cash flow of $4.1 million for the first half of FY26, achieving cash conversion of 272% against statutory NPAT of $1.5 million and lifting cash to $9.8 million from $5.2 million a year earlier. Group look-through EBITDA reached $7.7 million, driven by solid growth in its own balance sheet operating businesses and education and advice operations, while performance fees in funds management fell sharply in line with weaker equity markets.

The company’s active portfolio delivered 6% revenue growth and 15% EBITDA growth, pushing money on invested capital on active investments to 3.1x, implying an approximate 14% net return on invested capital over the calendar year. Strong cash generation enabled $4.6 million of new and growth investments during the half, expansion of its passive portfolio to $18 million, and the payment of a fully franked interim dividend alongside continued on-market share buy-backs, reinforcing its capacity to pursue further compounding returns in 2H26 and beyond.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Declares Half-Year Dividend for December 2025 Period
Feb 9, 2026

Teaminvest Private Group Ltd has declared a fully paid ordinary share dividend of AUD 0.0155 per share, relating to the six-month period ended 31 December 2025. The distribution applies to shareholders on the record as of 20 February 2026, with the stock trading ex-dividend on 19 February and payment scheduled for 27 March 2026.

The announcement confirms this is a standard half-year distribution, reinforcing the company’s practice of returning capital to investors in line with its financial reporting timetable. A dividend reinvestment plan election deadline has been set for 23 February 2026, offering eligible shareholders the option to reinvest their distributions rather than receive cash.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Profit Slides Despite Stronger Asset Backing and Higher Dividend
Feb 9, 2026

Teaminvest Private Group reported a slight 0.6% decline in operating revenue to $53.95 million for the half-year to 31 December 2025, while total comprehensive income attributable to owners fell 39.5% to $1.5 million as overall group comprehensive income dropped to $1.65 million. The group’s net tangible assets per share improved to 184.78 cents from 176.25 cents in June 2025, supported in part by contributions from associates, notably Multimedia Technology and Conscious Capital, even as aggregate associate profits fell sharply, and the board maintained capital returns with a small lift in the interim dividend to 1.55 cents per share alongside an ongoing dividend reinvestment plan.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Cuts Share Count Through On-Market Buy-Back
Feb 9, 2026

Teaminvest Private Group Ltd has cancelled 233,014 fully paid ordinary shares as part of an on-market buy-back, reducing its total issued capital on the ASX. The move is likely to marginally increase the ownership percentage of remaining shareholders and signals ongoing capital management efforts by the company.

The cessation of these securities, effective 9 February 2026, reflects Teaminvest’s use of on-market buy-backs to adjust its capital structure. Such buy-backs can indicate confidence in the company’s valuation and may support earnings per share over time, with potential implications for investor perception and trading liquidity.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Finalises On‑Market Share Buy‑Back
Feb 9, 2026

Teaminvest Private Group has issued a final notification on its on-market share buy-back, confirming the completion of the program first announced in March 2025. The company has repurchased 233,014 ordinary fully paid shares on market for a total consideration of about A$409,886.58, signalling an active approach to capital management that may modestly reduce the share count and potentially enhance value for remaining shareholders.

The update, lodged with the ASX on 9 February 2026, marks the conclusion of the buy-back cycle previously updated on 3 February 2026. By finalising this buy-back, Teaminvest Private Group underscores its willingness to return capital to investors and adjust its equity base, a move that can influence earnings per share and may be seen as a vote of confidence in the company’s longer-term prospects.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Launches On-Market Share Buy-Back
Feb 9, 2026

Teaminvest Private Group Ltd has announced an on-market share buy-back of its ordinary fully paid shares traded under the ASX code TIP. The company has lodged a new Appendix 3C notice with the exchange, confirming it will repurchase stock on market as part of its capital management strategy.

The buy-back signals management’s confidence in the company’s valuation and balance sheet flexibility, and is likely aimed at enhancing shareholder value through reduced share count. This move may also improve earnings per share over time and could support the share price by providing additional demand in the market.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Extends On-Market Buy-Back for Up to 10% of Capital
Feb 9, 2026

Teaminvest Private Group Limited has extended its on-market share buy-back program for another 12 months from 23 February 2026 to 23 February 2027, authorising repurchases of up to 10% of its issued capital within the limits of the Corporations Act. The buy-back will be executed in the ordinary course of trading by Phillip Securities (AUS) Limited as broker, with all purchased shares to be cancelled, providing the company with flexibility to adjust to share price and market conditions while potentially improving capital efficiency and shareholder returns.

The board has structured the extended buy-back so that it remains within the ‘10/12’ legal threshold, removing the need for separate shareholder approval and allowing management to act opportunistically in the market. However, Teaminvest has cautioned there is no certainty it will acquire the full 10% of issued capital, signalling a measured approach that balances capital management with prevailing trading conditions and other corporate priorities.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Continues On‑Market Share Buy‑Back Programme
Feb 2, 2026

Teaminvest Private Group Ltd, listed on the ASX under the code TIP, has an on‑market buy-back in place for its ordinary fully paid shares. The company has been progressively repurchasing stock as part of this programme. In its latest daily update to the market, Teaminvest reported that it had bought back a cumulative total of 226,862 shares prior to the most recent trading day, and a further 6,152 shares on the previous day, reflecting its continued execution of the buy-back first notified in March 2025 and last updated in late January 2026.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Updates Market on Ongoing Share Buy-Back Activity
Jan 22, 2026

Teaminvest Private Group Limited has provided an update on its ongoing on-market share buy-back program for its ordinary fully paid shares, reporting that a total of 214,440 shares had been repurchased prior to the latest trading day, with a further 6,172 shares bought back on the most recent day. The latest notification, dated 23 January 2026, reflects a continuation of the buy-back that was initially announced in March 2025, indicating the company’s persistent focus on capital management and potentially signalling confidence in its valuation to existing shareholders and the broader market.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Continues On-Market Share Buy-Back Program
Jan 14, 2026

Teaminvest Private Group Ltd (ASX: TIP) has provided an updated notification on its ongoing on-market share buy-back program for its ordinary fully paid shares. As of 15 January 2026, the company reported that it had bought back a cumulative total of 208,190 shares prior to the previous trading day and a further 6,250 shares on the previous day, continuing a program first notified in March 2025 and last updated on 7 January 2026. The regular daily disclosures underscore the company’s active capital management strategy, with ongoing buy-backs having the potential to reduce the number of shares on issue and impact metrics such as earnings per share and shareholder ownership concentration over time.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$1.50 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Updates ASX on Ongoing On‑Market Share Buy‑Back
Jan 6, 2026

Teaminvest Private Group Limited has provided an updated notification to the ASX on the progress of its on‑market share buy‑back, originally announced in March 2025. As of 7 January 2026, the company has repurchased a total of 201,940 ordinary fully paid shares prior to the previous trading day, with an additional 6,250 shares bought back on the previous day, reflecting its ongoing capital management strategy and potential efforts to enhance shareholder value through reducing the number of shares on issue.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$2.00 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Updates Market on Progress of On‑Market Share Buy‑Back
Dec 23, 2025

Teaminvest Private Group Ltd has provided an updated notification to the ASX confirming the ongoing execution of its on-market share buy-back program for its ordinary fully paid shares. As of 24 December 2025, the company reported that a total of 190,014 shares had been repurchased prior to the previous trading day, with an additional 5,952 shares bought back on the previous day, signalling continued capital management activity that may support earnings per share and reflect management’s confidence in the company’s valuation.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$2.00 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Ltd Corrects Buy-Back Notification
Dec 16, 2025

Teaminvest Private Group Ltd has announced a correction to their previous buy-back notification regarding the date on which securities were bought back. The company, listed under the ASX code TIP, has been conducting an on-market buy-back of its ordinary fully paid securities, with a total of 184,234 securities bought back before the previous day and an additional 5,780 securities bought back on the previous day. This update aims to correct the date of the buy-back to ensure accurate reporting.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$2.00 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Ltd Updates on Market Buy-Back
Dec 15, 2025

Teaminvest Private Group Ltd has announced an update regarding its ongoing on-market buy-back of ordinary fully paid securities, identified by the ASX security code TIP. As of December 16, 2025, the company reported a total of 184,234 securities bought back before the previous day, with an additional 5,780 securities bought back on the previous day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$2.00 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Ltd Announces Daily Share Buy-Back Update
Dec 10, 2025

Teaminvest Private Group Ltd has announced a daily buy-back notification for its ordinary fully paid securities, identified by the ASX security code TIP. The company has been actively buying back its shares, with a total of 178,397 securities bought back before the previous day and an additional 5,837 securities bought back on the previous day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$2.00 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Ltd Updates on Buy-Back Program
Dec 2, 2025

Teaminvest Private Group Ltd has announced an update regarding its ongoing on-market buy-back program. The company has repurchased a total of 5,780 ordinary fully paid securities on the previous day, adding to the cumulative total of 172,617 securities bought back. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$2.00 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Ltd Announces Director’s Change in Securities Interest
Dec 1, 2025

Teaminvest Private Group Ltd has announced a change in the director’s interest in securities, specifically involving Howard Harry Coleman. On December 1, 2025, Mr. Coleman, through Colfam Super Fund, acquired 10,000 fully paid ordinary shares at $1.7300 per share, increasing the fund’s total to 313,045 shares. This transaction reflects ongoing investment activities and may influence the company’s market positioning and stakeholder interests.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$2.00 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Ltd Updates on Buy-Back Progress
Nov 25, 2025

Teaminvest Private Group Ltd has announced an update regarding their ongoing on-market buy-back of ordinary fully paid securities. As of November 25, 2025, the company has bought back a total of 166,804 securities, with an additional 5,813 securities purchased on the previous day. This buy-back initiative is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$2.00 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Teaminvest Private Group Director Increases Shareholding
Nov 24, 2025

Teaminvest Private Group Ltd announced a change in the director’s interest, with Howard Harry Coleman acquiring 9,971 fully paid ordinary shares through an on-market trade. This transaction increases his direct holding to 284,992 shares, reflecting a continued commitment to the company’s growth and stability, which may reassure stakeholders about the management’s confidence in the company’s future performance.

The most recent analyst rating on (AU:TIP) stock is a Hold with a A$2.00 price target. To see the full list of analyst forecasts on Teaminvest Private Group Ltd stock, see the AU:TIP Stock Forecast page.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Sep 03, 2025