KRM22 Plc (GB:KRM)
LSE:KRM
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KRM22
(LSE:KRM)
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Rating:49Neutral
Price Target:
38.00 p
▲(2.70% Upside)
Action:Reiterated
Date:05/15/26
The score is primarily supported by improving fundamentals—stronger cash generation and a materially healthier balance sheet in 2025—offset by the lack of sustained profitability. Technicals are a notable headwind with the stock trading below major moving averages and a negative MACD, while valuation is constrained by a negative P/E and no dividend support.
Positive Factors
Balance-sheet de-risking
A material capital-structure improvement — equity turned positive and debt was sharply reduced — meaningfully raises financial flexibility. This reduces insolvency and refinancing risk, enabling multi‑year investments in product and services without immediate external funding.
Negative Factors
Continued operating losses
Despite margin and cash improvements, persistent operating and net losses mean the firm has not yet converted revenue into sustainable profitability. Continued losses elevate financing risk and pressure management to maintain cash discipline or pursue further capital raising.
Read all positive and negative factors
Positive Factors
Negative Factors
Balance-sheet de-risking
A material capital-structure improvement — equity turned positive and debt was sharply reduced — meaningfully raises financial flexibility. This reduces insolvency and refinancing risk, enabling multi‑year investments in product and services without immediate external funding.
Read all positive factors
KRM22 (KRM) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£22.54M
Dividend YieldN/A
Average Volume (3M)2.74K
Price to Earnings (P/E)―
Beta (1Y)-0.03
Revenue Growth9.90%
EPS Growth-41.71%
CountryUK
Employees50
SectorFinancial
Sector Strength70
IndustryAsset Management
Share Statistics
EPS (TTM)-0.05
Shares Outstanding59,316,220
10 Day Avg. Volume5,399
30 Day Avg. Volume2,738
Financial Highlights & Ratios
PEG Ratio-0.18
Price to Book (P/B)3.08
Price to Sales (P/S)2.10
P/FCF Ratio6.59
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)£8.60M
KRM22 Business Overview & Revenue Model
Company Description
KRM22 Plc, established in London, United Kingdom, in 2017, specializes in developing and supplying risk management software to the global financial services sector, serving clients across the UK, Europe, the United States, and beyond. The company ...
How the Company Makes Money
KRM22 primarily makes money by selling its risk management and compliance software (typically via recurring licensing/SaaS-style subscriptions) and by providing associated professional services such as implementation, configuration, onboarding, an...
KRM22 Financial Statement Overview
Summary
Income Statement
46
Neutral
Balance Sheet
58
Neutral
Cash Flow
64
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 7.44M | 6.77M | 5.27M | 4.27M | 4.13M |
| Gross Profit | 4.58M | 5.60M | 4.12M | 3.32M | 3.45M |
| EBITDA | -385.00K | 350.00K | -3.22M | -989.00K | -1.29M |
| Net Income | -2.03M | -1.29M | -4.62M | -3.10M | -3.33M |
Balance Sheet | |||||
| Total Assets | 11.93M | 7.40M | 7.81M | 11.15M | 14.20M |
| Cash, Cash Equivalents and Short-Term Investments | 5.19M | 1.03M | 886.00K | 1.90M | 5.36M |
| Total Debt | 233.00K | 5.06M | 4.65M | 3.59M | 3.66M |
| Total Liabilities | 6.86M | 9.63M | 8.91M | 7.97M | 7.49M |
| Stockholders Equity | 5.07M | -2.23M | -1.10M | 3.18M | 6.71M |
Cash Flow | |||||
| Free Cash Flow | 2.37M | 268.00K | -2.00M | -2.97M | -802.00K |
| Operating Cash Flow | 2.38M | 1.42M | -879.00K | -2.12M | -47.00K |
| Investing Cash Flow | -1.15M | -1.16M | -1.16M | -848.00K | -755.00K |
| Financing Cash Flow | 2.96M | -122.00K | 1.04M | -535.00K | 4.19M |
KRM22 Technical Analysis
Positive
37.00
Price Trends
32.77
Positive
34.68
Positive
37.88
Positive
Market Momentum
1.24
Negative
81.10
Negative
95.83
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:KRM, the sentiment is Positive. The current price of 37 is above the 20-day moving average (MA) of 33.15, above the 50-day MA of 32.77, and below the 200-day MA of 37.88, indicating a bullish trend. The MACD of 1.24 indicates Negative momentum. The RSI at 81.10 is Negative, neither overbought nor oversold. The STOCH value of 95.83 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:KRM.
KRM22 Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
71 Outperform | £49.71M | 12.00 | 9.96% | ― | 7.46% | 6.36% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
49 Neutral | £22.54M | -11.15 | 74.44% | ― | 9.90% | -41.71% | |
44 Neutral | $23.06M | -2.41 | -47.36% | 3.45% | -65.77% | 81.79% | |
43 Neutral | £4.04M | -4.42 | -140.34% | ― | ― | 89.03% | |
42 Neutral | £14.54M | -692.34 | -16.69% | ― | 16.98% | 99.21% |
* Financial Sector Average
GB:KRM
KRM22
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3.00
8.57%
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KRM22 Corporate Events
Business Operations and StrategyShareholder Meetings
KRM22 Shareholders Approve All Resolutions at 2026 AGM
Positive
Jun 17, 2026
KRM22 plc, the AIM-listed technology and software investment company specialising in risk management solutions for capital markets, concentrates on growing target businesses and delivering its Global Risk Platform to help clients streamline enterp...
Other
KRM22 Executive Director Increases Stake in Risk-Tech Investment Group
Positive
Jun 12, 2026
KRM22 plc, a London-headquartered AIM-listed investment company focused on risk management technology for capital markets, delivers risk applications via its Global Risk Platform to help financial institutions optimise their systems and leverage r...
Other
KRM22 Issues New Staff Equity Awards Covering Up to 15% of Share Capital
Neutral
Jun 11, 2026
KRM22 has awarded 1,381,221 new share options and 1,733,338 restricted stock units to employees under its long-term incentive plans, with grants to senior figures including Chair Garry Jones, CEO Dan Carter and CFO Kim Suter tied to FY25 performan...
Other
KRM22 Executive Director Boosts Stake to 14.2% with Major Share Purchase
Positive
May 22, 2026
KRM22, the AIM-quoted technology and software investment company specialising in risk management for capital markets, has disclosed a significant share purchase by Executive Director Keith Todd. The company, which operates the Global Risk Platform...
Other
KRM22 Director Keith Todd Lifts Stake to 14.2% After Major Share Purchase
Positive
May 22, 2026
KRM22, the AIM-quoted technology and software investment group focused on risk management for capital markets, has disclosed that executive director Keith Todd has significantly increased his stake in the company. Todd purchased 4,115,705 ordinary...
Business Operations and StrategyRegulatory Filings and Compliance
KRM22 Chairman Increases Stake in Capital Markets Risk Tech Investor
Positive
May 20, 2026
KRM22, a specialist in capital markets risk management technology, has built a business around investing in and developing software solutions that reduce the cost and complexity of risk management for financial institutions. Its Global Risk Platfo...
Financial DisclosuresRegulatory Filings and ComplianceShareholder Meetings
KRM22 Posts 2025 Annual Report and Sets Date for 2026 AGM
Neutral
May 20, 2026
KRM22 plc, the AIM-listed technology and software investment company focused on risk management in capital markets, has published its Annual Report Accounts for the year ended 31 December 2025 and circulated them to shareholders. The firm, which ...
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
KRM22 Raises £9.2m and Builds Cash as Recurring Revenue Climbs
Positive
May 13, 2026
KRM22 reported another year of growth for 2025, with annualised recurring revenue rising 18.8% at constant FX rates to £7.6m and total revenue up 9.9% to £7.4m, although losses before tax widened to £2.1m. The group now serves 51 in...
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.