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TEAM plc (GB:TEAM)
LSE:TEAM

TEAM plc (TEAM) AI Stock Analysis

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GB:TEAM

TEAM plc

(LSE:TEAM)

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Neutral 41 (OpenAI - 4o)
Rating:41Neutral
Price Target:
22.50p
▼(-18.18% Downside)
TEAM plc's overall stock score is primarily impacted by its financial performance and technical analysis. The company's strong revenue growth is overshadowed by profitability and cash flow challenges. Technical indicators suggest bearish momentum, and valuation metrics are unfavorable due to ongoing losses.
Positive Factors
Revenue Growth
Strong revenue growth indicates robust demand for TEAM's software solutions, supporting long-term business expansion and market presence.
Business Model
The subscription-based model ensures stable, recurring revenue streams, enhancing financial predictability and customer retention.
Balance Sheet Health
A strong balance sheet with low leverage provides financial stability and flexibility to invest in growth opportunities.
Negative Factors
Profitability Challenges
Ongoing profitability issues may hinder reinvestment in business development and limit competitive positioning.
Cash Flow Issues
Negative cash flows restrict the company's ability to fund operations and growth initiatives without external financing.
Return on Equity
Negative ROE reflects inefficient use of shareholder equity, potentially impacting investor confidence and long-term value creation.

TEAM plc (TEAM) vs. iShares MSCI United Kingdom ETF (EWC)

TEAM plc Business Overview & Revenue Model

Company DescriptionTEAM plc provides portfolio management services to private clients, trusts, and charities. Its services cover discretionary and advisory investment management. The company is based in Saint Helier, Jersey.
How the Company Makes MoneyTEAM generates revenue primarily through the sale of its software solutions and subscription-based services. The company's revenue model is largely anchored in licensing its portfolio management software to clients, which involves both one-time license fees and recurring subscription fees for ongoing access and updates. Additionally, TEAM offers consulting services, training, and support, which contribute to its revenue streams. Significant partnerships with industry leaders and integration with other financial systems enhance the value of TEAM's offerings, helping to attract and retain clients. The company's focus on continuous innovation and responsiveness to market needs also plays a crucial role in driving its earnings.

TEAM plc Financial Statement Overview

Summary
TEAM plc shows strong revenue growth but faces significant profitability challenges with negative EBIT and net income margins. The balance sheet is solid with low leverage, but negative cash flows and return on equity are concerning.
Income Statement
45
Neutral
TEAM plc has shown significant revenue growth over the past year, with a 93.1% increase from 2023 to 2024. However, the company is struggling with profitability, as indicated by negative EBIT and net income margins. The gross profit margin remains strong at 56.2%, but the negative net profit margin of -28.3% highlights ongoing challenges in achieving profitability.
Balance Sheet
60
Neutral
The balance sheet shows a moderate debt-to-equity ratio of 0.24, indicating a conservative leverage position. The equity ratio is strong at 64.0%, suggesting a solid capital structure. However, the return on equity is negative due to net losses, which is a concern for long-term sustainability.
Cash Flow
40
Negative
Cash flow analysis reveals a challenging situation with negative operating and free cash flows. The operating cash flow to net income ratio is 0.96, indicating that cash flow issues are closely tied to the company's net losses. The free cash flow has deteriorated, reflecting increased cash outflows relative to previous years.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue11.97M10.28M5.32M2.12M1.47M560.80K
Gross Profit5.63M5.77M4.40M1.71M1.20M505.60K
EBITDA-1.49M-1.58M980.00K-812.00K-1.49M-241.60K
Net Income-3.65M-2.91M-445.00K-1.52M-1.71M-369.60K
Balance Sheet
Total Assets14.97M15.54M15.94M12.89M9.89M1.69M
Cash, Cash Equivalents and Short-Term Investments2.16M1.74M1.94M1.75M4.92M253.00K
Total Debt2.81M2.36M1.02M694.00K467.00K34.00K
Total Liabilities4.97M5.60M7.72M4.23M2.46M316.00K
Stockholders Equity9.99M9.95M8.22M8.66M7.44M1.37M
Cash Flow
Free Cash Flow-2.22M-2.80M-865.00K-1.38M-1.51M-299.20K
Operating Cash Flow-2.21M-2.79M-820.00K-1.36M-1.46M-290.40K
Investing Cash Flow-1.18M-10.00K-65.00K-5.04M-1.71M-626.40K
Financing Cash Flow3.86M2.35M224.00K2.66M7.16M1.12M

TEAM plc Technical Analysis

Technical Analysis Sentiment
Negative
Last Price27.50
Price Trends
50DMA
27.72
Negative
100DMA
29.21
Negative
200DMA
30.09
Negative
Market Momentum
MACD
-0.07
Negative
RSI
44.05
Neutral
STOCH
50.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:TEAM, the sentiment is Negative. The current price of 27.5 is equal to the 20-day moving average (MA) of 27.50, below the 50-day MA of 27.72, and below the 200-day MA of 30.09, indicating a neutral trend. The MACD of -0.07 indicates Negative momentum. The RSI at 44.05 is Neutral, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:TEAM.

TEAM plc Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
52
Neutral
£16.92M-6.32-14.80%30.40%23.48%
48
Neutral
£21.95M-8.0815.59%54.47%
44
Neutral
£14.09M-19.09-21.85%
43
Neutral
£10.21M-1.39-14.62%-9.22%-386.93%
41
Neutral
£17.14M-3.16-36.43%59.01%-164.94%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:TEAM
TEAM plc
27.50
15.80
135.04%
GB:FIPP
Frontier IP
13.50
-12.50
-48.08%
GB:EMVC
NetScientific
60.50
6.00
11.01%
GB:KRM
KRM22
37.00
9.50
34.55%
GB:ZOYO
Honye Financial Services Ltd
47.50
2.50
5.56%
GB:450
Marwyn Acquisition Company PLC
2.10
0.00
0.00%

TEAM plc Corporate Events

M&A TransactionsRegulatory Filings and ComplianceShareholder Meetings
Team plc Updates Market on Change to Irrevocable Undertaking in WH Ireland Takeover
Neutral
Dec 30, 2025

Team plc has disclosed a change to an irrevocable voting undertaking related to its recommended all-share acquisition of W.H. Ireland Group. TFG Asset Management, which had previously committed to vote 81,109,418 WH Ireland shares in favour of the scheme, has sold 2,000,000 of those shares and entered into contracts for difference over the same number of underlying shares, reducing its direct holding to 79,109,418 shares, or about 33.52% of WH Ireland’s issued share capital. The update, made under takeover rules, clarifies TFG’s current economic and voting interest in WH Ireland and provides transparency for investors as the court and shareholder meetings to approve the deal approach.

The most recent analyst rating on (GB:TEAM) stock is a Hold with a £22.50 price target. To see the full list of analyst forecasts on TEAM plc stock, see the GB:TEAM Stock Forecast page.

M&A TransactionsShareholder Meetings
Team plc Wins Shareholder Backing for All-Share Takeover of WH Ireland
Positive
Dec 29, 2025

Team plc has secured shareholder approval at an extraordinary general meeting to issue new shares in connection with its recommended all-share acquisition of W.H. Ireland Group plc, marking a key step toward combining the two financial services businesses. The transaction, to be implemented via a court-sanctioned scheme of arrangement, still requires regulatory clearance from the UK Financial Conduct Authority as well as approval from WH Ireland shareholders at meetings scheduled for 8 January 2026, leaving the deal’s completion contingent on these remaining conditions and signalling continuing consolidation in the UK capital markets and wealth management space.

The most recent analyst rating on (GB:TEAM) stock is a Hold with a £22.50 price target. To see the full list of analyst forecasts on TEAM plc stock, see the GB:TEAM Stock Forecast page.

Private Placements and FinancingRegulatory Filings and Compliance
TEAM plc Issues 200,000 New Shares for Staff Bonuses, Lifts Share Capital to 62.34 Million
Neutral
Dec 19, 2025

TEAM plc is issuing 200,000 new ordinary shares to satisfy share bonuses awarded to staff for the financial year ended 30 September 2024, reinforcing the use of equity-based incentives within its remuneration structure. The new shares are expected to begin trading on AIM around 24 December 2025, will rank pari passu with existing shares, and will take the company’s total issued share capital to 62,340,022 ordinary shares, a figure that will be used by investors for regulatory disclosure thresholds under UK takeover and transparency rules.

The most recent analyst rating on (GB:TEAM) stock is a Hold with a £22.50 price target. To see the full list of analyst forecasts on TEAM plc stock, see the GB:TEAM Stock Forecast page.

Other
Salus Alpha Cuts Stake in AIM-Listed Wealth Manager TEAM plc to 6.81%
Neutral
Dec 18, 2025

TEAM plc has disclosed that Salus Alpha Financial Services AG has reduced its stake in the company following a disposal of ordinary shares on 3 December 2025. After the transaction, Salus Alpha now holds 4,234,210 shares in TEAM, representing 6.81% of the company’s issued share capital and voting rights, signalling a modest change in the group’s shareholder composition that may be noted by investors tracking significant holdings.

The most recent analyst rating on (GB:TEAM) stock is a Hold with a £22.50 price target. To see the full list of analyst forecasts on TEAM plc stock, see the GB:TEAM Stock Forecast page.

M&A TransactionsShareholder Meetings
Team Plc Announces Acquisition of W.H. Ireland Group
Positive
Dec 10, 2025

Team Plc, a company involved in financial services, has announced an agreement to acquire W.H. Ireland Group Plc by offering 0.195 new Team shares for each WH Ireland share. The acquisition is considered beneficial for Team and its shareholders, with the board unanimously recommending approval at the upcoming Extraordinary General Meeting (EGM) on December 29, 2025.

The most recent analyst rating on (GB:TEAM) stock is a Hold with a £22.50 price target. To see the full list of analyst forecasts on TEAM plc stock, see the GB:TEAM Stock Forecast page.

Private Placements and Financing
TEAM plc Extends Loan Note Maturity and Increases Principal
Positive
Dec 9, 2025

TEAM plc announced the extension of the maturity date for its unsecured 12% loan notes to December 31, 2026, and increased the principal amount to £1.5 million. This decision allows the company flexibility in managing its financial obligations, potentially strengthening its financial position and providing stability for stakeholders.

The most recent analyst rating on (GB:TEAM) stock is a Hold with a £22.50 price target. To see the full list of analyst forecasts on TEAM plc stock, see the GB:TEAM Stock Forecast page.

Business Operations and StrategyM&A Transactions
TEAM plc Announces Strategic Acquisition of W.H. Ireland Group
Positive
Nov 27, 2025

TEAM plc has announced a recommended acquisition of W.H. Ireland Group plc, aiming to create a diversified wealth and asset management group with operations in Jersey, the UK, and international markets. The acquisition, valued at approximately £12.7 million, will result in WH Ireland shareholders holding 43.5% and TEAM shareholders 56.5% of the enlarged group. This strategic move is expected to enhance client reach, regulatory permissions, and operational efficiency, positioning the group as a stable alternative in the wealth management sector. The acquisition has received significant support from shareholders of both companies and is anticipated to be completed in the first quarter of 2026.

The most recent analyst rating on (GB:TEAM) stock is a Hold with a £22.50 price target. To see the full list of analyst forecasts on TEAM plc stock, see the GB:TEAM Stock Forecast page.

M&A Transactions
Team PLC Considers Acquisition of W.H. Ireland Group
Neutral
Nov 13, 2025

Team PLC, a company listed on the AIM market of the London Stock Exchange, has confirmed that it is in discussions with W.H. Ireland Group Plc regarding a potential offer for the entire issued share capital of WHI. This announcement follows recent media speculation and a statement from WHI, with Team having until December 11, 2025, to announce a firm intention to make an offer or to withdraw. The potential acquisition, if pursued, could significantly impact Team’s market position and stakeholder interests, although there is no certainty that an offer will be made.

The most recent analyst rating on (GB:TEAM) stock is a Hold with a £22.50 price target. To see the full list of analyst forecasts on TEAM plc stock, see the GB:TEAM 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: Oct 30, 2025