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Moneysupermarket.com Group PLC (GB:MONY)
LSE:MONY

Moneysupermarket.com (MONY) AI Stock Analysis

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GB:MONY

Moneysupermarket.com

(LSE:MONY)

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Outperform 76 (OpenAI - 5.2)
Rating:76Outperform
Price Target:
178.00p
▲(3.49% Upside)
Action:ReiteratedDate:02/24/26
The score is driven primarily by strong financial performance (profitability, low leverage, and robust free cash flow) and attractive valuation (low P/E and high dividend yield). These positives are partly offset by weak technicals, with the stock trading below key moving averages and showing bearish momentum.
Positive Factors
Conservative Balance Sheet
A marked reduction in debt and low leverage materially increase financial flexibility. This supports sustained dividends, buybacks or selective M&A, lowers refinancing risk through cycles, and preserves capacity to invest in the platform, strengthening long‑term resilience.
Strong Free Cash Flow
Consistently high operating and free cash flow (FCF ~£104m in 2025; FCF historically ~88–89% of net income) provides durable internal funding for dividends, low‑capex digital operations, and strategic initiatives, reducing dependency on external financing.
High Profitability and ROE
Sustained high margins and ROE reflect efficient, scalable platform economics and strong unit economics on referrals. Durable profitability supports cash returns to shareholders and provides buffer to invest in marketing or product improvements if growth slows.
Negative Factors
Uneven Revenue History
A material recent decline in reported revenue and an uneven longer‑term top‑line history indicate demand volatility or market share pressure. Slower or negative revenue growth erodes operating leverage, constrains reinvestment, and raises execution risk for sustaining medium‑term growth.
Gross Profit Weakness
A decline in gross profit year‑over‑year despite flat or modest revenue gains suggests cost inflation or adverse product mix. If persistent, margin compression would reduce free cash flow and limit the ability to finance marketing or product investment to defend market position.
Model Reliant on Partner Fees
Heavy dependence on referral and transaction fees tied to provider partnerships exposes revenue to fee compression, partner bargaining power, and regulatory shifts in financial services/energy. This structural exposure can reduce revenue per user over the medium term.

Moneysupermarket.com (MONY) vs. iShares MSCI United Kingdom ETF (EWC)

Moneysupermarket.com Business Overview & Revenue Model

Company DescriptionMony Group Plc engages in the provision of money saving and personal finance services. It operates its business through the following business segments: Money, Insurance, Travel, Home Services, MoneySavingExpert.com, and Other. The Other segment refers to the shipping and voucher channel. The company was founded by Simon Justin Nixon in 1993 and is headquartered in Chester, the United Kingdom.
How the Company Makes MoneyMoneysupermarket.com generates revenue primarily through referral fees and commissions paid by financial service providers when users complete transactions via its platform. The company earns money by directing traffic to partner companies, such as banks and insurance firms, who pay for leads or successful conversions. Key revenue streams include affiliate marketing arrangements with providers of credit cards, loans, and insurance products. Additionally, Moneysupermarket benefits from strategic partnerships with various financial institutions, enhancing its product offerings and user experience, which in turn drives more traffic and conversions, further boosting its earnings.

Moneysupermarket.com Financial Statement Overview

Summary
High-quality fundamentals: steady 2022–2025 revenue with strong profitability, conservatively financed balance sheet with sharply reduced debt, and consistently robust free cash flow. Key risks are uneven longer-term revenue history, slower recent growth, and signs of margin/cost pressure (2025 gross profit weaker vs. 2024).
Income Statement
82
Very Positive
Revenue has grown steadily from 2022–2025 (2025 annual revenue up modestly vs. 2024), and profitability is consistently strong with healthy operating profit and net income. Margins were solid in recent years (e.g., 2024 net margin ~18% and EBIT margin ~26%), supporting durable earnings power. The main weakness is the uneven top-line history (declines in 2020–2021) and slower recent growth, plus a 2025 gross profit level that appears lower than 2024 despite slightly higher revenue, suggesting some mix or cost pressure.
Balance Sheet
87
Very Positive
The balance sheet looks conservatively financed: total debt has been reduced sharply over time (from ~89m in 2021 to ~18m in 2025), and leverage is low based on recent debt-to-equity levels (mid-teens in 2024). Equity remains substantial relative to the asset base, and returns on equity have been consistently strong (low-to-mid 30% range in 2022–2024), indicating efficient capital use. The key watch-out is that equity dipped in 2025 versus 2024, and total assets have trended down from 2022–2025, which may reflect capital returns or balance-sheet contraction.
Cash Flow
84
Very Positive
Cash generation is a clear strength: operating cash flow and free cash flow are consistently positive and high relative to earnings, with free cash flow roughly tracking net income (e.g., 2022–2024 free cash flow around ~88–89% of net income). Cash conversion improved materially after 2021, and 2025 free cash flow remained very strong (~104m) with minimal gap versus operating cash flow, implying limited reinvestment needs. The main weakness is variability in growth: free cash flow growth has swung meaningfully over time (negative in 2020–2021, strong rebound in 2022, modest in 2023–2024, flat in 2025).
BreakdownDec 2025Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue446.30M439.20M432.10M387.60M316.70M
Gross Profit263.90M290.60M292.40M236.00M199.40M
EBITDA140.70M139.00M131.80M115.50M96.30M
Net Income81.20M80.60M72.70M68.30M52.70M
Balance Sheet
Total Assets377.80M402.30M405.10M409.20M422.80M
Cash, Cash Equivalents and Short-Term Investments20.30M22.40M16.60M16.60M12.50M
Total Debt17.80M35.00M60.70M72.60M89.20M
Total Liabilities152.90M157.40M179.00M194.50M215.20M
Stockholders Equity226.50M239.70M220.50M208.70M203.30M
Cash Flow
Free Cash Flow104.10M101.50M91.20M89.30M53.90M
Operating Cash Flow105.10M115.60M102.20M100.70M63.70M
Investing Cash Flow-9.90M-13.80M-20.90M-16.90M-67.30M
Financing Cash Flow-97.30M-96.00M-76.20M-79.70M-7.50M

Moneysupermarket.com Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price172.00
Price Trends
50DMA
175.68
Negative
100DMA
183.54
Negative
200DMA
194.57
Negative
Market Momentum
MACD
-3.80
Negative
RSI
58.05
Neutral
STOCH
97.76
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MONY, the sentiment is Neutral. The current price of 172 is above the 20-day moving average (MA) of 159.96, below the 50-day MA of 175.68, and below the 200-day MA of 194.57, indicating a neutral trend. The MACD of -3.80 indicates Negative momentum. The RSI at 58.05 is Neutral, neither overbought nor oversold. The STOCH value of 97.76 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:MONY.

Moneysupermarket.com Peers Comparison

Overall Rating
UnderperformOutperform
Sector (60)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
£900.19M11.2337.18%6.83%-0.18%8.24%
70
Outperform
£477.08M56.691.56%1.73%-0.18%11.49%
67
Neutral
£371.20M-81.68-20.10%29.58%17.32%
65
Neutral
£894.05M30.0123.28%2.85%2.15%-39.26%
65
Neutral
£573.28M735.002.53%18.75%-93.75%
60
Neutral
$48.67B4.58-11.27%4.14%2.83%-41.78%
54
Neutral
£391.12M23.812.16%
* Communication Services Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:MONY
Moneysupermarket.com
172.00
-12.62
-6.84%
GB:GBG
GB Group plc
203.50
-112.13
-35.53%
GB:KNOS
Kainos Group plc
755.00
76.98
11.35%
GB:NCC
NCC Group plc
132.60
0.43
0.32%
GB:TRST
Trustpilot Group Plc
147.00
-160.50
-52.20%
GB:PBEE
PensionBee Group PLC
156.00
-3.50
-2.19%

Moneysupermarket.com Corporate Events

Business Operations and StrategyStock Buyback
MONY Group Buys Back and Cancels Over 100,000 Shares
Positive
Feb 23, 2026

MONY Group PLC has repurchased 102,279 of its ordinary shares of 0.02 pence each on 23 February 2026, buying them on the London Stock Exchange and multilateral trading facilities from Morgan Stanley & Co. International. The shares were acquired at prices ranging between 155.4p and 156.4p, at a volume-weighted average price of 156.02p, and the company intends to cancel the repurchased stock, effectively reducing its share count and potentially enhancing earnings per share and capital efficiency for investors.

The transaction forms part of MONY Group’s ongoing capital management strategy, signalling confidence in the company’s financial position and future prospects. By cancelling the shares rather than holding them in treasury, MONY is delivering a more permanent reduction in equity, which may support valuation metrics and demonstrates continued use of share buybacks as a tool to return value to shareholders.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £2.55 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Other
Mony Group Non-Executive Director Increases Stake with Share Purchase
Positive
Feb 23, 2026

Mony Group PLC disclosed that non-executive director Rakesh Sharma purchased 12,622 ordinary shares of the company on 23 February 2026 in a market transaction on the London Stock Exchange at a price of £1.58451 per share. The director’s share purchase signals personal confidence in the company’s prospects and is a governance-relevant event for investors monitoring insider dealing and board alignment with shareholder interests.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £2.55 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Business Operations and StrategyStock Buyback
MONY Group Launches £25 Million Share Buyback Programme
Positive
Feb 23, 2026

MONY Group PLC has launched a share repurchase programme of up to £25 million of its ordinary shares, appointing Morgan Stanley & Co. International to buy back stock as a riskless principal between 23 February and 18 September 2026. The transaction structure involves Morgan Stanley purchasing shares in the market and immediately on-selling them to MONY, with the company intending to cancel the repurchased shares where permitted by law.

The buyback underscores MONY’s strategy of combining capital returns with continued investment in organic and acquisitive growth to build long-term shareholder value. By reducing its share count and signalling confidence in its financial position, the programme is designed to enhance earnings per share and reinforce MONY’s commitment to sustainable shareholder returns within the regulated U.K. market framework.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £2.55 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
MONY Group Delivers Record Earnings, Boosts Buybacks and Bets on AI
Positive
Feb 23, 2026

MONY Group reported record 2025 revenue of £446.3m and its highest-ever adjusted EBITDA of £145.1m, both up 2% despite headwinds in car insurance, while operating costs fell 4%, lifting the EBITDA margin to 33%. Growth was driven by strong performances in Money and Home Services, partially offset by weaker travel and cashback, and the group estimates it helped households save £2.8bn in the year and nearly £12bn over five years.

The company returned £96m to shareholders through dividends and a completed £30m buyback, raised the total dividend to 12.63p, and announced a further £25m buyback, highlighting confidence in its cash generation. Strategic priorities centred on expanding its member-based SuperSaveClub, now over 2.1 million members and 16% of revenue, deepening provider services, and accelerating AI adoption via an OpenAI enterprise deal, new products such as Savings by MoneySuperMarket and Price Optimiser, and a MoneySuperMarket ChatGPT app, with the board guiding 2026 adjusted EBITDA in line with current consensus.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £2.55 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
MONY Group Executives Add Shares Under Incentive Plan
Positive
Feb 6, 2026

MONY Group PLC has disclosed that senior executives, including chief executive Peter Duffy and persons discharging managerial responsibility Matthew Cresswell and Matthew Whittle, have purchased small tranches of ordinary shares in the company through its Share Incentive Plan. The transactions, executed on 5 February 2026 on the London Stock Exchange at £1.706 per share, signal ongoing alignment of management with shareholder interests, although the volumes acquired are modest and form part of a routine incentive and remuneration structure rather than a large-scale ownership change.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £250.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Regulatory Filings and Compliance
Mony Group Confirms Total Voting Rights at 524 Million Shares
Neutral
Jan 30, 2026

Mony Group PLC has confirmed that, as of 30 January 2026, its issued share capital comprises 524,120,911 ordinary shares of 0.02 pence each, all of which carry voting rights and none of which are held in treasury. This update, provided in line with UK Financial Conduct Authority disclosure rules, establishes the total number of voting rights that shareholders and investors should use as the reference figure when assessing whether they must report holdings or changes in their interest in the company under transparency regulations.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £250.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Business Operations and Strategy
Mony Group Executives Add Shares Under Company Incentive Plan
Positive
Jan 8, 2026

Mony Group PLC has disclosed that three senior figures, including chief executive Peter Duffy and PDMRs Matthew Cresswell and Matthew Whittle, have acquired ordinary shares in the company through its Share Incentive Plan. The purchases, executed on 7 January 2026 on the London Stock Exchange at £1.857 per share, were made on their behalf by Equiniti Share Plan Trustees Limited and, while small in volume, underscore ongoing management participation in the group’s equity incentive arrangements, aligning leadership interests more closely with those of shareholders.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £250.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Regulatory Filings and Compliance
Mony Group Confirms Share Capital and Voting Rights Total
Neutral
Dec 31, 2025

Mony Group PLC has confirmed that, as of 31 December 2025, its issued share capital comprises 524,115,152 ordinary shares of 0.02 pence each, all carrying voting rights, with no ordinary shares held in treasury. This total represents the company’s full voting rights base and serves as the reference figure for shareholders to assess whether they must disclose their shareholdings or changes in their interests under UK Financial Conduct Authority transparency rules, underscoring routine corporate governance and regulatory compliance rather than a change in ownership structure.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £250.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Business Operations and Strategy
Mony Group PLC Announces Managerial Share Acquisitions
Positive
Dec 9, 2025

Mony Group PLC has announced that Equiniti Share Plan Trustees Limited acquired ordinary shares on behalf of key managerial figures, including CEO Peter Duffy, under the company’s Share Incentive Plan. This transaction, conducted on the London Stock Exchange at a price of £1.9183 per share, reflects the company’s ongoing commitment to align managerial interests with shareholder value, potentially impacting stakeholder confidence positively.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £205.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Business Operations and StrategyFinancial Disclosures
MONY Group Reports Strong Growth and Strategic Progress Amidst Market Challenges
Positive
Dec 3, 2025

MONY Group plc reported continued growth in revenue and adjusted EBITDA for the period from July to November 2025, despite challenges in insurance and PPC costs. The company highlighted strong performance in its Money and Energy sectors, with the successful launch of a collective switch in the energy market. The strategic shift to a minority stake in Ice Travel Group aims to reduce operational complexity while maintaining influence. The Group’s two-sided marketplace strategy and member-based propositions are driving customer engagement and revenue growth, with the SuperSaveClub reaching two million members. The company remains confident in its ability to deliver sustainable growth and value for stakeholders, supported by its diversified portfolio and technological advancements.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £260.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Stock Buyback
MONY Group Completes Share Repurchase Program
Neutral
Dec 2, 2025

MONY Group PLC, a company involved in financial transactions, announced the completion of its share repurchase program. The company purchased 29,139 of its ordinary shares from Morgan Stanley & Co. International Plc, with plans to cancel these shares, marking the end of the program initiated in February 2025.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £260.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Stock Buyback
MONY Group PLC Announces Share Buyback and Cancellation
Neutral
Dec 1, 2025

MONY Group PLC, a company involved in financial transactions, announced the purchase of 79,803 of its ordinary shares on the London Stock Exchange and Multilateral Trading Facilities. The shares were acquired from Morgan Stanley & Co. International Plc, with the highest price paid per share being 189.8000 pence and the lowest at 186.2000 pence. The company plans to cancel the purchased shares, which may impact its share capital structure and market positioning.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £260.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Stock Buyback
MONY Group PLC Announces Share Buyback and Cancellation
Neutral
Nov 28, 2025

MONY Group PLC, a company involved in financial transactions, announced the purchase of 79,940 of its ordinary shares on the London Stock Exchange and Multilateral Trading Facilities. The shares were bought from Morgan Stanley & Co. International Plc, with the highest price paid per share being 188.5000 pence and the lowest at 186.4000 pence, resulting in a volume-weighted average price of 187.5800 pence. The company plans to cancel the purchased shares, which could impact its share capital structure and potentially influence shareholder value.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £260.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Regulatory Filings and Compliance
Moneysupermarket.com Updates Share Capital Structure
Neutral
Nov 28, 2025

Moneysupermarket.com Group PLC has announced that as of November 28, 2025, its capital structure consists of 524,353,400 ordinary shares, each carrying voting rights, with none held in treasury. This update is in line with the FCA’s Disclosure Guidance and Transparency Rules, allowing shareholders to calculate their interests and obligations regarding the company’s shares.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £260.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Regulatory Filings and Compliance
Mony Group PLC Announces PDMR Share Sale
Neutral
Nov 28, 2025

Mony Group PLC has announced a transaction involving the sale of its ordinary shares by a person discharging managerial responsibilities, Mikey Smith. The transaction involved the market sale of 20,158 ordinary shares at prices of £1.8793 and £1.8791, conducted on 27 November 2025. This notification highlights the company’s transparency in disclosing share dealings by its management, which is crucial for maintaining investor confidence and regulatory compliance.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £260.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Stock Buyback
MONY Group PLC Announces Share Repurchase and Cancellation
Positive
Nov 27, 2025

MONY Group PLC, a company involved in financial services, announced the repurchase of 79,741 of its ordinary shares on the London Stock Exchange and Multilateral Trading Facilities. The shares were bought from Morgan Stanley & Co. International Plc at prices ranging from 187.0000 to 189.2000 pence per share, with a volume-weighted average price of 188.1000 pence. The company intends to cancel these shares, a move that could impact its share capital structure and potentially enhance shareholder value.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £260.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Stock Buyback
MONY Group PLC Executes Share Buyback Program
Positive
Nov 26, 2025

MONY Group PLC, a company listed on the London Stock Exchange, has executed a share buyback program by purchasing 80,597 of its ordinary shares from Morgan Stanley & Co. International Plc. The shares were acquired at prices ranging from 184.2000 pence to 187.1000 pence, with a volume-weighted average price of 186.1100 pence per share. This transaction is part of a previously announced plan and the company intends to cancel the purchased shares, which could potentially enhance shareholder value by reducing the number of shares outstanding.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £260.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Other
MONY Group PLC Announces Share Option Exercise by PDMR
Neutral
Nov 26, 2025

MONY Group PLC, a company involved in financial services, announced that Matthew Cresswell, a Person Discharging Managerial Responsibilities, has exercised options over ordinary shares as part of the company’s Save As You Earn scheme. This transaction, conducted on the London Stock Exchange, reflects the completion of a savings contract initiated in November 2022, potentially impacting shareholder value and market perception.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £260.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Business Operations and StrategyStock Buyback
MONY Group PLC Announces Share Repurchase
Positive
Nov 25, 2025

MONY Group PLC, a financial entity, announced the repurchase of 80,963 of its ordinary shares from Morgan Stanley & Co. International Plc on the London Stock Exchange and Multilateral Trading Facilities. The shares were bought at prices ranging from 183.3000 to 186.7000 pence, with a volume-weighted average price of 185.1400 pence per share. This move is part of MONY’s strategy to manage its share capital, as the company plans to cancel the purchased shares, potentially impacting its share value and benefiting existing shareholders.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £260.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY Stock Forecast page.

Stock Buyback
MONY Group PLC Executes Share Buyback Program
Neutral
Nov 24, 2025

MONY Group PLC, a company operating in the financial sector, has executed a share buyback program by purchasing 81,205 of its ordinary shares through Morgan Stanley & Co. International Plc on the London Stock Exchange. The company plans to cancel these shares, which could potentially impact its share value and market perception by reducing the number of shares in circulation.

The most recent analyst rating on (GB:MONY) stock is a Buy with a £260.00 price target. To see the full list of analyst forecasts on Moneysupermarket.com stock, see the GB:MONY 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: Feb 24, 2026