Tavistock Investments (TAVI) AI Stock Analysis

• Market Cap: £18.30M
• Dividend Yield: 2.12%
• Average Volume (3M): 1.05M
• Price to Earnings (P/E): 3.2
• Beta (1Y): 0.16
• Revenue Growth: -17.37%
• EPS Growth: N/A
• Country: UK
• Employees: 193
• Sector: Financial
• Sector Strength: 70
• Industry: Financial - Capital Markets
• EPS (TTM): >-0.01
• Shares Outstanding: 496,855,220
• 10 Day Avg. Volume: 673,913
• 30 Day Avg. Volume: 1,047,028
• PEG Ratio: >-0.01
• Price to Book (P/B): 0.70
• Price to Sales (P/S): 0.84
• P/FCF Ratio: -4.75
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 56 Neutral
• Price Target: 4.50p ▲(8.43% Upside)

Tavistock Investments' overall stock score is driven by its strong valuation metrics, which are offset by weak financial performance and bearish technical indicators. The company's strategic refocus and governance stability are positive, but cash flow challenges and legal disputes present significant risks.

Positive Factors

Balance sheet strength (low leverage)

A low debt-to-equity ratio provides durable financial flexibility, reducing refinancing and interest risk. This conservative leverage supports strategic moves, cushions economic downturns, and preserves capital allocation optionality over the next 2-6 months.

Improved return on equity and margins

Higher ROE and improved net margin signal better capital efficiency and cost management, enabling the firm to generate stronger earnings from existing assets. Sustained improvement supports reinvestment, dividends, or strategic initiatives over the medium term.

Strategic refocus and governance stability

Clear strategic actions and governance stability reduce execution risk and support long-term repositioning. Successful AGMs and targeted acquisitions can strengthen advisory capabilities and scale, improving competitive positioning over several months.

Negative Factors

Revenue decline

Material top-line contraction reduces recurring fee income and weakens economies of scale in a fee-based business. If revenue erosion persists, it undermines adviser productivity, client retention economics, and the firm's ability to invest in growth initiatives.

Cash flow weakness

Persistent negative operating and free cash flows constrain internal funding for operations, capital expenditure, and dividends. Over months this can force external financing, limit strategic moves, or pressure liquidity cushions despite reported net income.

Operational inefficiency (negative EBIT/EBITDA)

Negative operating margins imply core business units struggle to cover operating costs, making profitability reliant on non-operating items. This structural inefficiency risks margin compression and weakens resilience unless operational fixes restore sustainable operating profits.

Tavistock Investments Business Overview & Revenue Model

Company Description

Tavistock Investments Plc provides investment management and support services to a network of financial advisers in the United Kingdom. The company offers compliance, regulatory, administration, and accounting services to independent financial advisers and financial advice firms; independent financial advice, financial planning, tax saving, and investment management services to higher net worth private clients; and corporate advisory services to businesses. It also provides institutional portfolio management services; and flexible retirement guarantee to principals, as well as retirement and pension, wills and estate planning, and finance raising services. Tavistock Investments Plc was incorporated in 2004 and is headquartered in Ascot, the United Kingdom.

How the Company Makes Money

Tavistock Investments generates revenue primarily through management fees charged on assets under management (AUM) across its investment portfolios. Additionally, the company earns performance fees when it surpasses certain investment performance benchmarks, incentivizing strong returns for its clients. TAVI also benefits from advisory fees related to financial consulting services and transaction fees from real estate and private equity deals. Partnerships with various financial institutions and investment platforms enhance its distribution capabilities, further contributing to revenue generation. Additionally, the company's focus on innovative investment strategies allows it to tap into emerging market trends, thereby creating new revenue streams.

Tavistock Investments Financial Statement Overview

Summary

Tavistock Investments faces mixed financial performance. While profitability metrics show improvement, revenue decline and cash flow challenges pose significant risks. The balance sheet remains strong with low leverage, but operational inefficiencies and cash flow issues need addressing for sustainable growth.

Income Statement

Tavistock Investments has experienced a decline in revenue growth, with a significant drop of 15.36% in the latest year. The gross profit margin is relatively stable at 39.06%, but the net profit margin has improved to 20.53%, indicating better cost management. However, the negative EBIT and EBITDA margins suggest challenges in operational efficiency.

Balance Sheet

The company maintains a low debt-to-equity ratio of 0.15, indicating conservative leverage. Return on equity has improved to 17.07%, reflecting better profitability. The equity ratio is strong, suggesting a solid capital structure, but the overall asset base has slightly decreased.

Cash Flow

Cash flow metrics show significant challenges, with negative operating and free cash flows. The free cash flow growth rate is highly negative, and the operating cash flow to net income ratio is below 1, indicating cash flow issues despite reported net income.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	24.10M	32.63M	39.49M	33.95M	34.00M	28.71M
Gross Profit	5.62M	12.75M	14.49M	11.24M	11.95M	12.17M
EBITDA	-3.85M	-2.60M	1.14M	307.00K	362.00K	3.16M
Net Income	5.86M	6.70M	-1.27M	-1.40M	29.64M	792.00K
Balance Sheet
Total Assets	52.83M	54.24M	55.20M	60.51M	60.45M	26.48M
Cash, Cash Equivalents and Short-Term Investments	3.67M	7.40M	4.12M	9.73M	15.27M	4.46M
Total Debt	4.16M	5.84M	3.87M	1.47M	1.22M	4.42M
Total Liabilities	12.56M	15.00M	14.76M	18.74M	16.97M	10.75M
Stockholders Equity	40.27M	39.24M	40.45M	41.77M	43.48M	15.73M
Cash Flow
Free Cash Flow	-9.87M	-5.79M	-3.42M	-2.97M	-239.00K	2.71M
Operating Cash Flow	-9.81M	-5.74M	-2.63M	-1.79M	1.11M	2.90M
Investing Cash Flow	8.90M	7.58M	-5.47M	-3.54M	15.96M	-2.23M
Financing Cash Flow	1.87M	1.44M	2.49M	-206.00K	-6.25M	1.37M

Tavistock Investments Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 4.15
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:TAVI, the sentiment is Positive. The current price of 4.15 is above the 20-day moving average (MA) of 3.91, above the 50-day MA of 3.87, and below the 200-day MA of 4.31, indicating a neutral trend. The MACD of 0.09 indicates Negative momentum. The RSI at 63.55 is Neutral, neither overbought nor oversold. The STOCH value of 40.96 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:TAVI.

Tavistock Investments Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FKE	79 Outperform	£8.27M	6.13	12.70%	2.64%	6.86%	64.55%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
JIM	61 Neutral	£3.35M	―	66.17%	26.13%	―	―
CAV	60 Neutral	£38.36M	23.84	3.69%	7.96%	-9.55%	―
PEEL	58 Neutral	£127.16M	25.53	4.84%	―	15.42%	―
TAVI	56 Neutral	£18.30M	3.24	14.69%	2.12%	-17.37%	―
WHI	48 Neutral	£9.43M	―	―	―	―	―

Tavistock Investments Corporate Events

Tavistock narrows losses and lifts dividend as it pivots to AI-driven hybrid advice

Tavistock Investments reported a 23% rise in gross revenues to £11.1m from ongoing activities for the six months to 30 September 2025, while narrowing its adjusted EBITDA loss by 44% and improving its cash position and net assets, even as the group remains loss-making. The company is accelerating a strategic shift toward a fintech-led, AI-enabled hybrid advice model aimed at the 91% of UK adults lacking adequate financial guidance, supported by the acquisition of Lifetime Financial Management and the integration of Alpha Beta Partners, and has raised its interim dividend by 11% as it expects further cash inflows from deferred consideration on its Saltus disposal, dividends from LEBC, and progresses a widened legal counterclaim against Titan, underscoring confidence in its long-term positioning in the retail financial advice market.

The most recent analyst rating on (GB:TAVI) stock is a Hold with a £4.00 price target. To see the full list of analyst forecasts on Tavistock Investments stock, see the GB:TAVI Stock Forecast page.

Tavistock Updates Market on Litigation Progress with Titan

Tavistock Investments PLC has provided a further update regarding its ongoing litigation with Titan following a recent court proceeding on December 11, 2025. While Titan has expressed doubt over the legal and factual integrity of Tavistock’s counterclaims, the company has firmly questioned the rationale behind Titan’s significant expenditures to challenge the counterclaims. The dispute, which remains unresolved, is expected to culminate in a trial by the summer of 2027, potentially affecting stakeholders and the broader competitive positioning of both firms as the case progresses.

The most recent analyst rating on (GB:TAVI) stock is a Hold with a £4.00 price target. To see the full list of analyst forecasts on Tavistock Investments stock, see the GB:TAVI Stock Forecast page.

Tavistock Wins Court Ruling in Titan Litigation

Tavistock Investments PLC has achieved a favorable outcome in its ongoing litigation with Titan Wealth Services Limited and Titan Asset Management Limited. The court ruled in favor of Tavistock on all matters, awarding the company costs of £250,000. This decision allows Tavistock to continue pursuing its claims against Titan, potentially strengthening its position in the financial services industry.

The most recent analyst rating on (GB:TAVI) stock is a Hold with a £4.00 price target. To see the full list of analyst forecasts on Tavistock Investments stock, see the GB:TAVI Stock Forecast page.

Tavistock Investments PLC Successfully Passes All AGM Resolutions

Tavistock Investments PLC announced that all resolutions proposed at their Annual General Meeting were successfully passed. This includes the re-election of directors, adoption of accounts, reappointment of auditors, and authority to allot shares, reflecting strong shareholder support and stability in company governance.

The most recent analyst rating on (GB:TAVI) stock is a Hold with a £4.00 price target. To see the full list of analyst forecasts on Tavistock Investments stock, see the GB:TAVI Stock Forecast page.