Fintech Select Ltd (TSE:FTEC)
:FTEC
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Fintech Select Ltd
(FTEC)
Select Model
Select Model
Rating:45Neutral
Price Target:
C$0.05
▲(35.00% Upside)
Action:Reiterated
Date:05/15/26
The score is held down primarily by weak and volatile financial performance (2025 losses, negative cash flow, and negative equity). Technicals provide some support with the price above several moving averages, but mixed momentum indicators and a negative P/E limit the overall attractiveness.
Positive Factors
Low reported debt
Reported zero total debt materially reduces leverage-related risk and preserves financial flexibility. Over the next several months this lowers default and interest burden risks, giving management optionality to rebuild equity, fund operations, or invest in product development without heavy refinancing.
Negative Factors
Revenue and margin deterioration
Sharp revenue decline and a roughly -18% net margin in 2025 signal loss of scale and pricing or cost-pressure problems. Persistent top-line weakness reduces operating leverage, limiting the firm's ability to convert R&D and overhead into profits and hindering durable margin recovery.
Read all positive and negative factors
Positive Factors
Negative Factors
Low reported debt
Reported zero total debt materially reduces leverage-related risk and preserves financial flexibility. Over the next several months this lowers default and interest burden risks, giving management optionality to rebuild equity, fund operations, or invest in product development without heavy refinancing.
Read all positive factors
Fintech Select Ltd (FTEC) vs. iShares MSCI Canada ETF (EWC)
Market Cap
C$4.00M
Dividend YieldN/A
Average Volume (3M)71.23K
Price to Earnings (P/E)―
Beta (1Y)0.80
Revenue Growth-30.51%
EPS Growth-203.28%
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 Ratio0.04
Price to Book (P/B)-8.83
Price to Sales (P/S)1.59
P/FCF Ratio-15.48
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
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Fintech Select Ltd Financial Statement Overview
Summary
Income Statement
32
Negative
Balance Sheet
18
Very Negative
Cash Flow
28
Negative
| Breakdown | Dec 2025 | Mar 2025 | Mar 2024 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 2.78M | 4.00M | 3.82M | 2.59M | 2.77M |
| Gross Profit | -165.65K | 3.77M | 3.60M | 2.40M | 2.53M |
| EBITDA | -429.88K | 507.32K | 415.13K | 1.34M | 42.19K |
| Net Income | -500.75K | 489.75K | 329.21K | 1.20M | -112.80K |
Balance Sheet | |||||
| Total Assets | 785.19K | 1.01M | 555.25K | 483.03K | 1.22M |
| Cash, Cash Equivalents and Short-Term Investments | 607.63K | 774.31K | 294.68K | 147.83K | 364.31K |
| Total Debt | 0.00 | 0.00 | 89.16K | 535.36K | 308.01K |
| Total Liabilities | 1.28M | 978.28K | 1.34M | 1.89M | 3.91M |
| Stockholders Equity | -498.39K | 35.85K | -786.95K | -1.41M | -2.68M |
Cash Flow | |||||
| Free Cash Flow | -284.50K | 176.94K | 432.72K | -248.91K | 121.83K |
| Operating Cash Flow | -284.26K | 179.85K | 434.91K | -243.62K | 124.19K |
| Investing Cash Flow | -245.00 | -2.91K | -2.19K | -5.29K | -2.36K |
| Financing Cash Flow | 182.00K | -89.16K | -452.96K | 212.36K | -87.06K |
Fintech Select Ltd Technical Analysis
Positive
0.04
Price Trends
0.05
Positive
0.06
Negative
0.05
Positive
Market Momentum
<0.01
Negative
53.74
Neutral
50.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:FTEC, the sentiment is Positive. The current price of 0.04 is below the 20-day moving average (MA) of 0.04, below the 50-day MA of 0.05, and below the 200-day MA of 0.05, indicating a bullish trend. The MACD of <0.01 indicates Negative momentum. The RSI at 53.74 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 Positive sentiment for TSE:FTEC.
Fintech Select Ltd Peers Comparison
UnderperformOutperform
Sector (61)
TSE:FTEC
Fintech Select Ltd
0.05
0.03
150.00%
TSE:PKK
Tenet Fintech Group Inc.
0.03
0.00
0.00%
TSE:IP
ImagineAR
0.01
-0.02
-60.00%
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.