Ten Lifestyle Group PLC (GB:TENG)
LSE:TENG
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Ten Lifestyle Group
(LSE:TENG)
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Rating:62Neutral
Price Target:
102.00 p
▲(42.16% Upside)
Action:Downgraded
Date:05/10/26
The score is primarily supported by improving financial performance (turn to positive profitability, stronger operating margins, and improved leverage). This is tempered by a challenging valuation (very high P/E) and technicals that look overextended (RSI and Stochastics very high), despite a strong uptrend.
Positive Factors
Recurring B2B revenue model
Ten’s business is primarily B2B, selling embedded concierge programs to banks and issuers. Contracted recurring fees create predictable revenue streams and customer stickiness, supporting steady top-line visibility and enabling long-term planning and margin leverage across geographies.
Negative Factors
Volatile free cash flow
Significant swings and a recent drop in free cash flow constrain the firm’s ability to fund growth, invest in tech or return capital without relying on external financing. Persistent FCF volatility undermines financial resilience and raises execution risk for multi-quarter initiatives.
Read all positive and negative factors
Positive Factors
Negative Factors
Recurring B2B revenue model
Ten’s business is primarily B2B, selling embedded concierge programs to banks and issuers. Contracted recurring fees create predictable revenue streams and customer stickiness, supporting steady top-line visibility and enabling long-term planning and margin leverage across geographies.
Read all positive factors
Ten Lifestyle Group (TENG) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£88.99M
Dividend YieldN/A
Average Volume (3M)34.50K
Price to Earnings (P/E)328.2
Beta (1Y)0.19
Revenue Growth5.07%
EPS Growth-36.68%
CountryUK
Employees1,268
SectorConsumer Cyclical
Sector Strength84
IndustryTravel Services
Share Statistics
EPS (TTM)0.01
Shares Outstanding96,506,070
10 Day Avg. Volume80,354
30 Day Avg. Volume34,503
Financial Highlights & Ratios
PEG Ratio0.21
Price to Book (P/B)2.12
Price to Sales (P/S)0.81
P/FCF Ratio17.97
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)0.05
Revenue Forecast (FY)£73.01M
Ten Lifestyle Group Business Overview & Revenue Model
Company Description
Ten Lifestyle Group Plc provides concierge services to private banks, retail banks, premium payment card providers, and high-net-worth individuals in Europe, the Middle East, Africa, North and South America, and the Asia-Pacific Region. The compan...
How the Company Makes Money
Ten Lifestyle Group primarily makes money by providing concierge and lifestyle benefit services under contract to corporate clients (most notably banks and card issuers) that offer these services to their customers as part of premium account, cred...
Ten Lifestyle Group Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Aug 2025 | Aug 2024 | Aug 2023 | Aug 2022 | Aug 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 71.51M | 69.61M | 67.26M | 66.66M | 48.65M | 35.06M |
| Gross Profit | 55.71M | 63.57M | 60.95M | 60.97M | 38.06M | 26.73M |
| EBITDA | 13.90M | 12.93M | 11.18M | 2.31M | 3.73M | 1.91M |
| Net Income | 1.39M | 2.40M | 1.02M | 4.55M | -4.32M | -5.77M |
Balance Sheet | ||||||
| Total Assets | 52.31M | 54.83M | 49.16M | 42.86M | 33.24M | 27.18M |
| Cash, Cash Equivalents and Short-Term Investments | 9.28M | 9.72M | 9.27M | 8.23M | 6.58M | 6.66M |
| Total Debt | 8.35M | 9.10M | 11.00M | 6.71M | 6.09M | 3.18M |
| Total Liabilities | 25.26M | 28.15M | 30.82M | 27.70M | 23.40M | 15.24M |
| Stockholders Equity | 27.05M | 26.68M | 18.34M | 15.16M | 9.84M | 11.95M |
Cash Flow | ||||||
| Free Cash Flow | 12.59M | 3.15M | 2.87M | 2.47M | -3.15M | -2.06M |
| Operating Cash Flow | 13.24M | 10.59M | 9.89M | 10.28M | 4.17M | 3.51M |
| Investing Cash Flow | -7.54M | -7.42M | -7.01M | -7.81M | -7.32M | -5.57M |
| Financing Cash Flow | -7.49M | -1.99M | -2.00M | -1.17M | 2.56M | -2.00M |
Ten Lifestyle Group Technical Analysis
Positive
71.75
Price Trends
77.56
Positive
74.20
Positive
66.54
Positive
Market Momentum
4.67
Positive
64.65
Neutral
37.09
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:TENG, the sentiment is Positive. The current price of 71.75 is below the 20-day moving average (MA) of 89.85, below the 50-day MA of 77.56, and above the 200-day MA of 66.54, indicating a bullish trend. The MACD of 4.67 indicates Positive momentum. The RSI at 64.65 is Neutral, neither overbought nor oversold. The STOCH value of 37.09 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:TENG.
Ten Lifestyle Group Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
75 Outperform | £1.98B | 1.18 | 24.73% | 1.18% | 7.17% | -2.22% | |
71 Outperform | £768.24M | 6.22 | 35.11% | ― | 2.40% | 48.36% | |
69 Neutral | $23.09B | 18.34 | -23.50% | 1.23% | 5.40% | 26.02% | |
64 Neutral | £200.84M | -25.69 | 2.40% | 1.39% | -1.97% | -77.68% | |
62 Neutral | £88.99M | 328.16 | 5.18% | ― | 5.07% | -36.68% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
54 Neutral | £648.81M | 11.67 | 4.65% | 1.84% | 5.33% | -53.26% |
* Consumer Cyclical Sector Average
GB:TENG
Ten Lifestyle Group
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34.50
59.74%
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Ten Lifestyle Group Corporate Events
Business Operations and StrategyRegulatory Filings and Compliance
Ten Lifestyle Group Updates Share Capital and Voting Rights
Neutral
May 5, 2026
Ten Lifestyle Group plc, which delivers concierge-style lifestyle, travel, dining and entertainment services to affluent customer segments through corporate partnerships and a technology-led platform, has built its business around multi-year contr...
Business Operations and StrategyProduct-Related Announcements
Ten Lifestyle Group enters executive mobility market with Graebel partnership
Positive
Apr 29, 2026
Ten Lifestyle Group has partnered with Graebel Companies on the launch of Catalyst, a new executive transition service aimed at helping senior leaders and their families settle quickly when relocating for new roles. The service combines Graebel...
Business Operations and StrategyFinancial Disclosures
Ten Lifestyle Group posts profit growth and digital contract wins as active members surge
Positive
Apr 22, 2026
Ten Lifestyle Group reported a solid first half to 28 February 2026, with net revenue rising 6% to £33.7m, adjusted EBITDA up 16% to £7.0m and active members increasing 23% to 436,000, supported by higher digital engagement and operating...
Business Operations and StrategyFinancial Disclosures
Ten Lifestyle Group sets dates to present half-year 2026 results
Neutral
Apr 2, 2026
Ten Lifestyle Group plc operates a global concierge technology platform that enables financial institutions and premium brands to provide lifestyle, travel, dining and entertainment services to wealthy and mass affluent customers. The business is ...
Business Operations and Strategy
Ten Lifestyle Group Wins New Digital Loyalty Deal and Expands Platform in Japan
Positive
Mar 30, 2026
Ten Lifestyle Group has secured a new multi-year digital customer loyalty contract with an existing global corporate client, which is expected to launch in the Americas in the second half of its financial year ending 31 August 2026 and be classifi...
Business Operations and StrategyFinancial DisclosuresPrivate Placements and Financing
Ten Lifestyle lifts H1 revenue and profits as digital contracts drive growth
Positive
Mar 16, 2026
Ten Lifestyle Group reported a solid first half of fiscal 2026, with net revenue expected to rise 6% year on year to about £33.7m, or 9% at constant currency, and active members increasing 23% to 436,000 as digital engagement grew. Adjusted E...
Regulatory Filings and Compliance
Ten Lifestyle Group Updates Market on Total Voting Rights and Share Capital
Neutral
Mar 3, 2026
Ten Lifestyle Group plc, a concierge and lifestyle services specialist for affluent customers, operates a platform-based model for financial institutions and premium brands, underpinned by proprietary personalisation technology and long-term corpo...
Business Operations and Strategy
Ten Lifestyle Group Wins Major AMEA Contract With Leading Financial Services Provider
Positive
Feb 24, 2026
Ten Lifestyle Group, a concierge technology platform serving financial institutions and premium brands, delivers lifestyle, travel, dining and entertainment services to millions of members worldwide. Its model is built on multi-year contracts, pla...
Executive/Board ChangesShareholder Meetings
Ten Lifestyle Group Passes All AGM Resolutions and Announces Board Change
Neutral
Feb 17, 2026
Ten Lifestyle Group plc reported that all resolutions at its Annual General Meeting were duly passed, confirming shareholder support for the company’s current governance and strategic direction. The proxy voting results will be published on ...
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.