Cornerstone FS Plc (GB:FIN)
LSE:FIN
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Cornerstone FS Plc
(LSE:FIN)
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Rating:67Neutral
Price Target:
15.50 p
▲(7.79% Upside)
Action:ReiteratedDate:12/07/25
The overall stock score reflects strong corporate confidence and financial improvements, tempered by bearish technical indicators and moderate valuation. The company's strategic initiatives and director share purchases are positive signals, but technical trends suggest caution.
Positive Factors
Revenue Growth
Sustained revenue growth indicates expanding market presence and effective business strategies, enhancing long-term financial stability.
Negative Factors
Historical Profitability Challenges
Past profitability issues highlight potential risks in maintaining consistent earnings, which could impact future financial performance.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Sustained revenue growth indicates expanding market presence and effective business strategies, enhancing long-term financial stability.
Read all positive factors
Cornerstone FS Plc (FIN) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£6.25M
Dividend YieldN/A
Average Volume (3M)463.18K
Price to Earnings (P/E)―
Beta (1Y)0.65
Revenue Growth9.45%
EPS Growth-86.94%
CountryUK
Employees43
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)>-0.01
Shares Outstanding59,569,733
10 Day Avg. Volume141,252
30 Day Avg. Volume463,178
Financial Highlights & Ratios
PEG Ratio-0.37
Price to Book (P/B)6.79
Price to Sales (P/S)1.74
P/FCF Ratio9.35
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)<0.01
Revenue Forecast (FY)£16.38M
Cornerstone FS Plc Business Overview & Revenue Model
Company Description
WizzFinancial operates as a platform for B2B payments and foreign exchange solutions worldwide. It operates through three segments: Cross-Border Payments & Consumer Solutions, Consumer Foreign Exchange Solutions, and B2B & Payment Technology Solut...
How the Company Makes Money
Cornerstone FS generates revenue through several key streams, primarily by charging fees on foreign exchange transactions and international payments. The company earns commission fees for facilitating currency conversions and processing payments o...
Cornerstone FS Plc Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
80
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Jun 2022 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 12.16M | 11.35M | 9.65M | 4.82M | 2.30M | 1.66M |
| Gross Profit | 6.75M | 6.58M | 6.12M | 2.94M | 1.19M | 496.31K |
| EBITDA | 1.79M | 2.45M | 2.06M | -5.21M | -4.02M | -2.13M |
| Net Income | 334.26K | 996.55K | 2.13M | -5.61M | -4.10M | -2.15M |
Balance Sheet | ||||||
| Total Assets | 7.77M | 7.40M | 6.75M | 4.38M | 1.44M | 1.08M |
| Cash, Cash Equivalents and Short-Term Investments | 2.43M | 2.58M | 2.34M | 682.35K | 348.10K | 183.68K |
| Total Debt | 2.56M | 2.54M | 2.98M | 2.40M | 0.00 | 0.00 |
| Total Liabilities | 4.91M | 4.48M | 5.09M | 4.47M | 1.18M | 1.22M |
| Stockholders Equity | 2.86M | 2.92M | 1.66M | -89.90K | 258.63K | -135.92K |
Cash Flow | ||||||
| Free Cash Flow | 1.65M | 2.12M | 1.45M | -1.28M | -1.41M | -1.20M |
| Operating Cash Flow | 1.75M | 2.17M | 1.95M | -835.87K | -986.35K | -857.64K |
| Investing Cash Flow | -1.51M | -1.34M | -202.09K | -992.04K | -421.94K | -344.58K |
| Financing Cash Flow | -573.68K | -594.35K | -90.99K | 2.16M | 1.57M | 1.31M |
Cornerstone FS Plc Technical Analysis
Negative
14.38
Price Trends
13.73
Negative
14.16
Negative
18.53
Negative
Market Momentum
-0.71
Positive
12.98
Positive
17.78
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:FIN, the sentiment is Negative. The current price of 14.38 is above the 20-day moving average (MA) of 12.71, above the 50-day MA of 13.73, and below the 200-day MA of 18.53, indicating a bearish trend. The MACD of -0.71 indicates Positive momentum. The RSI at 12.98 is Positive, neither overbought nor oversold. The STOCH value of 17.78 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:FIN.
Cornerstone FS Plc Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | £150.12M | 6.83 | 102.37% | 7.02% | -4.35% | 5.34% | |
69 Neutral | £52.00M | -7.22 | -9.07% | ― | 6.40% | 70.78% | |
67 Neutral | £6.25M | -21.45 | 11.58% | ― | 9.45% | -86.94% | |
66 Neutral | £684.12M | 19.96 | 3.98% | ― | -0.85% | ― | |
64 Neutral | £337.77M | 8.32 | 17.25% | 20.30% | 1.58% | -57.55% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
56 Neutral | £37.68M | -11.38 | 31.19% | ― | 25.15% | ― |
* Technology Sector Average
GB:FIN
Cornerstone FS Plc
10.50
-21.50
-67.19%
GB:BGO
Bango plc
67.50
-12.50
-15.63%
GB:PAY
Paypoint
551.00
-48.46
-8.08%
GB:PCIP
PCI PAL
52.00
3.50
7.22%
GB:FNX
Fonix Mobile PLC
151.50
-35.16
-18.84%
GB:EWG
WAG Payment Solutions Plc
98.80
40.85
70.49%
Cornerstone FS Plc Corporate Events
Business Operations and StrategyExecutive/Board ChangesPrivate Placements and Financing
Finseta Adjusts Loan Terms and Compensation to Support Growth
Positive
Nov 13, 2025
Finseta plc has announced a variation in the terms of a loan note and incentivisation arrangements with its Chief Commercial Officer, Robert O’Brien. The company has converted £200k of a £2m loan note into ordinary shares and exten...
Business Operations and StrategyExecutive/Board Changes
Finseta plc Grants Share Options to Key Employees
Positive
Oct 17, 2025
Finseta plc has announced the granting of 150,000 options over ordinary shares to certain employees, including Chief Product Officer Declan Jones, as part of its employee incentive program. These options, which vest over three years and are exerci...
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.