Allfunds Group plc (ALLFG) AI Stock Analysis

• Market Cap: €3.54B
• Dividend Yield: 2.26%
• Average Volume (3M): 672.54K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.92
• Revenue Growth: 8.64%
• EPS Growth: -304.46%
• Country: NL
• Employees: 1,031
• Sector: Financial
• Sector Strength: 73
• Industry: Asset Management
• EPS (TTM): 0.20
• Shares Outstanding: 611,007,750
• 10 Day Avg. Volume: 549,382
• 30 Day Avg. Volume: 672,542
• PEG Ratio: 0.06
• Price to Book (P/B): 1.50
• Price to Sales (P/S): 5.53
• P/FCF Ratio: 4.90
• 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: €7.73
• Price Target Upside: 33.51% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 53 Neutral
• Price Target: €6.00 ▲(3.63% Upside)

The overall stock score for Allfunds Group plc is primarily influenced by its strong cash flow generation, which supports liquidity. However, profitability challenges and valuation concerns due to negative earnings weigh heavily on the score. Technical indicators suggest weak momentum, further impacting the stock's attractiveness.

Allfunds Group plc Business Overview & Revenue Model

Company Description

Allfunds Group plc provides B2B WealthTech platforms connecting fund houses and distributors in the United Kingdom and internationally. It operates an open-architecture platform that provides a marketplace and digital solutions matching fragmented demand for asset management products from distributors with fragmented supply of products from fund houses. Its ecosystem covers fund distribution value chain and investment cycle, including via Allfunds Connect, a suite of SaaS-enabled digital, data, and analytics tools. The company also provides asset holding, banking and investment, representation, computer programming and technology development, and institutional intermediation services, as well as research and regulatory services. Allfunds Group plc was founded in 2000 and is based in London, the United Kingdom.

How the Company Makes Money

Allfunds makes money primarily through fees collected for the services offered on its platform. Key revenue streams include transaction fees from fund dealing services, custody fees for holding client assets, and subscription or licensing fees for access to its digital solutions, such as data analytics and compliance tools. The company also benefits from significant partnerships with banks, asset managers, and financial institutions that help expand its distribution network and enhance its service offerings. These partnerships enable Allfunds to integrate its platform into the broader financial ecosystem, boosting its earnings through increased client acquisition and retention.

Allfunds Group plc Financial Statement Overview

Summary

Allfunds Group plc shows resilience in its cash flow with strong operational cash generation, which is crucial in maintaining liquidity. However, challenges in profitability and potential instability in equity levels indicate the need for strategic adjustments to improve margins and manage costs effectively.

Income Statement

The income statement shows mixed financial performance. While there is revenue growth from the previous year, the net income turned negative, indicating profitability challenges. The gross profit margin improved significantly, but net profit margin is concerning due to recent losses. This suggests issues in cost management or operational efficiency.

Balance Sheet

The balance sheet remains relatively stable, with a strong equity base and a manageable debt level, as indicated by a reasonable debt-to-equity ratio. However, the decline in stockholders' equity and fluctuating total assets suggest potential financial instability that needs monitoring.

Cash Flow

The cash flow statement is strong, with consistent operating cash flow and positive free cash flow despite recent net losses. The operating cash flow to net income ratio is high, suggesting effective cash generation from operations, which is a positive sign of liquidity and operational efficiency.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	576.81M	555.54M	491.88M	2.74B	2.67B	1.59B
Gross Profit	486.51M	420.14M	-1.94B	427.24M	411.64M	233.71M
EBITDA	417.08M	136.16M	315.03M	276.68M	256.03M	152.47M
Net Income	-156.36M	-168.51M	85.71M	49.18M	107.73M	-43.00K
Balance Sheet
Total Assets	6.00B	5.07B	5.57B	5.13B	5.55B	4.94B
Cash, Cash Equivalents and Short-Term Investments	3.68B	2.74B	2.27B	1.79B	2.25B	2.08B
Total Debt	430.41M	2.62B	390.49M	406.82M	69.84M	19.48M
Total Liabilities	4.07B	3.03B	3.22B	2.77B	3.22B	2.56B
Stockholders Equity	1.93B	2.05B	2.35B	2.35B	2.32B	2.38B
Cash Flow
Free Cash Flow	1.67B	626.68M	563.35M	-347.21M	479.04M	807.16M
Operating Cash Flow	1.67B	735.66M	643.01M	-307.49M	502.55M	835.67M
Investing Cash Flow	39.61M	-108.97M	-216.84M	-166.78M	-23.51M	-28.09M
Financing Cash Flow	-147.06M	-99.05M	66.19M	-92.81M	-137.07M	-3.47M

Allfunds Group plc Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 5.79
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For NL:ALLFG, the sentiment is Negative. The current price of 5.79 is below the 20-day moving average (MA) of 6.02, below the 50-day MA of 6.43, and above the 200-day MA of 5.52, indicating a neutral trend. The MACD of -0.14 indicates Positive momentum. The RSI at 31.42 is Neutral, neither overbought nor oversold. The STOCH value of 15.69 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for NL:ALLFG.

Allfunds Group plc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	68 Neutral	$18.10B	11.66	9.93%	3.76%	9.70%	1.14%
ALLFG	53 Neutral	€3.54B	―	-7.45%	2.26%	8.64%	-304.46%
0Q0Y	―	€10.22B	7.88	14.93%	―	―	―
0RHS	―	€12.01B	11.10	12.65%	―	―	―
0O4B	―	€2.12B	16.88	10.57%	―	―	―
FLTLF	―	$1.25B	6.18	24.83%	―	―	―
CVC	―	€16.41B	21.55		2.93%	―	―