Fintech Select Ltd (TSE:FTEC)
:FTEC
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Fintech Select Ltd
(FTEC)
Select Model
Select Model
Rating:44Neutral
Price Target:
C$0.08
▲(95.00% Upside)
Action:ReiteratedDate:01/09/26
The score is held down primarily by deteriorating financial performance (return to losses, negative operating/free cash flow, and negative equity). Technicals are a partial offset with strong trend strength, but extreme overbought readings raise pullback risk, while valuation remains unattractive due to loss-making earnings and a negative P/E.
Positive Factors
Low Financial Leverage
Having zero debt is a durable strength: it lowers near-term refinancing and interest obligations, giving management flexibility to allocate cash or raise equity if needed. This reduces bankruptcy risk and supports survival while the company repairs operating performance.
Negative Factors
Revenue and Profitability Decline
A meaningful revenue decline coupled with a swing to a substantial net loss indicates demand weakness or pricing/competition pressures. This undermines sustainable earnings generation and makes restoring long-term profitability a multi-quarter challenge requiring either revenue recovery or structural cost reductions.
Read all positive and negative factors
Positive Factors
Negative Factors
Low Financial Leverage
Having zero debt is a durable strength: it lowers near-term refinancing and interest obligations, giving management flexibility to allocate cash or raise equity if needed. This reduces bankruptcy risk and supports survival while the company repairs operating performance.
Read all positive factors
Fintech Select Ltd (FTEC) vs. iShares MSCI Canada ETF (EWC)
Market Cap
C$3.60M
Dividend YieldN/A
Average Volume (3M)71.23K
Price to Earnings (P/E)―
Beta (1Y)0.86
Revenue Growth-26.64%
EPS Growth-187.27%
CountryCA
Employees51
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)>-0.01
Shares Outstanding80,049,515
10 Day Avg. Volume95,241
30 Day Avg. Volume71,229
Financial Highlights & Ratios
PEG Ratio0.08
Price to Book (P/B)55.82
Price to Sales (P/S)0.50
P/FCF Ratio11.31
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)N/A
Revenue Forecast (FY)N/A
Fintech Select Ltd Business Overview & Revenue Model
Company Description
Fintech Select Ltd. offers financial payment services and solutions in Canada. It operates through three segments: Distribution, Call Center, and Financial Services. The company offers MasterCard prepaid card programs for various corporate and gov...
How the Company Makes Money
Fintech Select Ltd makes money primarily through transaction fees generated from its point-of-sale (POS) devices and prepaid card programs. The company earns revenue by charging merchants a fee for processing transactions through its POS terminals...
Fintech Select Ltd Financial Statement Overview
Summary
Income Statement
44
Neutral
Balance Sheet
33
Negative
Cash Flow
36
Negative
| Breakdown | TTM | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 | Mar 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 2.96M | 4.00M | 3.82M | 2.59M | 2.77M | 2.88M |
| Gross Profit | 2.09M | 3.77M | 3.60M | 2.40M | 2.53M | 2.53M |
| EBITDA | -307.55K | 507.32K | 415.13K | 1.34M | 42.19K | 601.11K |
| Net Income | -381.85K | 489.75K | 329.21K | 1.20M | -112.80K | 405.15K |
Balance Sheet | ||||||
| Total Assets | 990.90K | 1.01M | 555.25K | 483.03K | 1.22M | 1.26M |
| Cash, Cash Equivalents and Short-Term Investments | 799.30K | 774.31K | 294.68K | 147.83K | 364.31K | 221.60K |
| Total Debt | 0.00 | 0.00 | 89.16K | 535.36K | 308.01K | 435.13K |
| Total Liabilities | 1.09M | 978.28K | 1.34M | 1.89M | 3.91M | 4.08M |
| Stockholders Equity | -98.25K | 35.85K | -786.95K | -1.41M | -2.68M | -2.82M |
Cash Flow | ||||||
| Free Cash Flow | -278.36K | 176.94K | 432.72K | -248.91K | 121.83K | 113.73K |
| Operating Cash Flow | -278.36K | 179.85K | 434.91K | -243.62K | 124.19K | 165.22K |
| Investing Cash Flow | 0.00 | -2.91K | -2.19K | -5.29K | -2.36K | 17.01K |
| Financing Cash Flow | 0.00 | -89.16K | -452.96K | 212.36K | -87.06K | -171.70K |
Fintech Select Ltd Technical Analysis
Negative
0.04
Price Trends
0.06
Negative
0.05
Negative
0.04
Negative
Market Momentum
>-0.01
Positive
31.69
Neutral
>-0.01
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:FTEC, the sentiment is Negative. The current price of 0.04 is below the 20-day moving average (MA) of 0.05, below the 50-day MA of 0.06, and below the 200-day MA of 0.04, indicating a bearish trend. The MACD of >-0.01 indicates Positive momentum. The RSI at 31.69 is Neutral, neither overbought nor oversold. The STOCH value of >-0.01 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:FTEC.
Fintech Select Ltd Peers Comparison
UnderperformOutperform
Sector (61)
TSE:FTEC
Fintech Select Ltd
0.05
0.02
125.00%
TSE:MBLM
Mobilum Technologies Inc
0.02
0.00
0.00%
TSE:PKK
Tenet Fintech Group Inc.
0.03
0.00
0.00%
TSE:IP
ImagineAR
0.02
-0.02
-50.00%
TSE:HRO
Euro Asia Pay Holdings
0.03
0.00
0.00%
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.