Manx Financial Group PLC (GB:MFX)
LSE:MFX
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Manx Financial
(LSE:MFX)
Select Model
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Rating:75Outperform
Price Target:
30.00 p
▲(9.09% Upside)
Action:ReiteratedDate:12/09/25
Manx Financial's strong financial performance and attractive valuation are the primary drivers of its stock score. The bullish technical indicators further support a positive outlook, although overbought signals warrant caution. The absence of earnings call data and corporate events does not impact the score.
Positive Factors
Revenue & EPS Growth
Manx Financial's ~7.7% revenue growth alongside a 58.8% EPS increase indicates accelerating earnings power from its lending operations. Sustained top-line and profit expansion suggests improving underwriting, pricing and product mix that can support a more durable earnings base over the next 2–6 months.
Negative Factors
Moderate Leverage
A debt-to-equity ratio of 1.26 signifies moderate leverage for Manx Financial; while common in banking, it raises sensitivity to credit losses and interest-rate moves. Elevated leverage can constrain strategic flexibility and amplify capital stress during adverse asset-quality cycles.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue & EPS Growth
Manx Financial's ~7.7% revenue growth alongside a 58.8% EPS increase indicates accelerating earnings power from its lending operations. Sustained top-line and profit expansion suggests improving underwriting, pricing and product mix that can support a more durable earnings base over the next 2–6 months.
Read all positive factors
Manx Financial (MFX) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£27.05M
Dividend Yield2.42%
Average Volume (3M)82.17K
Price to Earnings (P/E)1.8
Beta (1Y)0.86
Revenue Growth7.71%
EPS Growth58.84%
CountryUK
Employees177
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding122,950,730
10 Day Avg. Volume95,344
30 Day Avg. Volume82,170
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)0.44
Price to Sales (P/S)0.29
P/FCF Ratio3.49
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)N/A
Revenue Forecast (FY)N/A
Manx Financial Business Overview & Revenue Model
Company Description
Manx Financial Group PLC, through its subsidiaries, provides asset and personal finance, and wealth management services in the Isle of Man, the United Kingdom, and the Channel Island. The company provides various financial products and services, s...
How the Company Makes Money
Manx Financial generates revenue through multiple streams primarily derived from interest income on its lending products, including secured loans and mortgages. The company charges interest on the capital it lends to borrowers, which constitutes a...
Manx Financial Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
70
Positive
Cash Flow
75
Positive
| Breakdown | TTM | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 64.77M | 57.54M | 46.01M | 32.48M | 24.71M | 22.45M |
| Gross Profit | 0.00 | 34.40M | 31.48M | 26.16M | 19.74M | 17.23M |
| EBITDA | 10.36M | 11.22M | 8.55M | 6.80M | 4.45M | 2.78M |
| Net Income | 9.42M | 8.10M | 5.29M | 4.33M | 2.79M | 1.94M |
Balance Sheet | ||||||
| Total Assets | 507.31M | 497.79M | 480.70M | 379.26M | 308.75M | 267.96M |
| Cash, Cash Equivalents and Short-Term Investments | 0.00 | 16.20M | 12.11M | 22.63M | 20.28M | 34.05M |
| Total Debt | 46.92M | 47.08M | 40.67M | 32.95M | 24.97M | 22.73M |
| Total Liabilities | 466.11M | 460.48M | 444.72M | 349.49M | 283.77M | 245.53M |
| Stockholders Equity | 41.17M | 37.26M | 34.94M | 29.58M | 24.93M | 22.35M |
Cash Flow | ||||||
| Free Cash Flow | 8.75M | 4.73M | 2.01M | -4.69M | 316.00K | -5.63M |
| Operating Cash Flow | 8.98M | 6.33M | 5.54M | -2.72M | 2.91M | -4.21M |
| Investing Cash Flow | -7.24M | -2.48M | -111.66M | -2.17M | -17.78M | 19.21M |
| Financing Cash Flow | 3.88M | 244.00K | 95.60M | 7.24M | 1.10M | 4.44M |
Manx Financial Technical Analysis
Negative
27.50
Price Trends
25.01
Negative
26.33
Negative
27.25
Negative
Market Momentum
-0.94
Negative
38.99
Neutral
57.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MFX, the sentiment is Negative. The current price of 27.5 is above the 20-day moving average (MA) of 22.53, above the 50-day MA of 25.01, and above the 200-day MA of 27.25, indicating a bearish trend. The MACD of -0.94 indicates Negative momentum. The RSI at 38.99 is Neutral, neither overbought nor oversold. The STOCH value of 57.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:MFX.
Manx Financial Peers Comparison
UnderperformOutperform
Sector (68)
GB:MFX
Manx Financial
22.00
8.84
67.17%
GB:ARBB
Arbuthnot Banking
875.00
-29.42
-3.25%
GB:ECP
Eight Capital Partners PLC
65.00
-17.50
-21.21%
GB:BANK
Immedia
6.35
-0.40
-5.93%
GB:ZOYO
Honye Financial Services Ltd
47.50
2.50
5.56%
GB:DFCH
Distribution Finance Capital Holdings Plc
60.40
27.90
85.85%
Manx Financial Corporate Events
Business Operations and StrategyPrivate Placements and Financing
Manx Financial Secures £2m Related-Party Loans to Support Conister Bank Capital
Positive
Jan 5, 2026
Manx Financial Group has secured two new three-year unsecured loans totalling £2 million from director Jim Mellon and his company Burnbrae Limited to bolster the regulatory capital of its subsidiary Conister Bank under Isle of Man banking rul...
Delistings and Listing ChangesPrivate Placements and Financing
Manx Financial Group Announces Exercise of Restricted Stock Units and Share Issuance
Neutral
Dec 16, 2025
Manx Financial Group PLC has announced the exercise of Restricted Stock Units over 2,072,500 ordinary shares at no cost, with key directors and a managerial figure acquiring significant shares. This move, which involves the issuance of new shares ...
Other
Manx Financial Director Increases Shareholding
Neutral
Nov 21, 2025
Manx Financial Group PLC announced that Hargreaves Lansdown (Nominees) Limited, acting as a nominee for Director Mr. James Smeed, purchased 25,000 Ordinary Shares of the company at a price of 27.45 pence per share. This transaction increases Mr. S...
Business Operations and StrategyFinancial Disclosures
Manx Financial Group Reports Strong Quarterly Growth and Strategic Partnerships
Positive
Nov 13, 2025
Manx Financial Group has initiated quarterly operational updates to enhance investor communication, with the first update highlighting significant growth in Conister Bank’s net loan book and deposits. The company has formed a strategic partn...
Delistings and Listing ChangesDividends
Manx Financial Group Issues New Shares for Scrip Dividend
Neutral
Nov 13, 2025
Manx Financial Group PLC has announced the issuance of 1,162,469 new ordinary shares as part of a Scrip Dividend election, priced at 26.349 pence per share. Directors Jim Mellon and Dr. Gregory Bailey, significant shareholders, have opted to recei...
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.