Tenet Fintech Group Inc. (PKK) AI Stock Analysis

• Market Cap: C$8.13M
• Dividend Yield: N/A
• Average Volume (3M): 0.00
• Price to Earnings (P/E): ―
• Beta (1Y): 1.72
• Revenue Growth: -75.67%
• EPS Growth: 77.36%
• Country: CA
• Employees: 148
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): N/A
• Shares Outstanding: 325,140,870
• 10 Day Avg. Volume: 0
• 30 Day Avg. Volume: 0
• PEG Ratio: <0.01
• Price to Book (P/B): -1.18
• Price to Sales (P/S): 3.90
• P/FCF Ratio: -1.60
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: C$0.02 ▲(20.00% Upside)

The score is held down primarily by weak financial performance (negative gross profit, large losses, negative equity, and negative cash flows), indicating high operational and financing risk. Technicals are also soft (bearish RSI and slightly negative MACD), while valuation support is limited due to ongoing losses and no dividend yield.

Positive Factors

Innovative Product Offering

Tenet's focus on innovative fintech solutions positions it well in the growing digital finance sector, potentially driving long-term growth.

Revenue Diversification

Diversified revenue streams from various financial services enhance stability and reduce reliance on a single income source, supporting long-term resilience.

Strategic Partnerships

Strategic alliances expand market reach and service offerings, potentially increasing customer base and revenue over time.

Negative Factors

Declining Revenue

Significant revenue decline indicates challenges in market demand or competitive positioning, impacting long-term growth prospects.

Negative Margins

Negative margins suggest cost management issues or pricing pressures, threatening profitability and financial health in the long run.

Liquidity Issues

Liquidity challenges limit the company's ability to invest in growth opportunities and meet financial obligations, posing long-term risks.

Tenet Fintech Group Inc. Business Overview & Revenue Model

Company Description

Tenet Fintech Group Inc. (PKK) is a global financial technology company focused on providing innovative solutions and services in the fintech sector. The company operates through various segments, including payment processing, digital banking, and financial services, aimed at enhancing user experience and accessibility in financial transactions. Tenet's core products include its proprietary payment platforms, digital wallet services, and technology-driven financial management tools designed for both consumers and businesses.

How the Company Makes Money

Tenet Fintech Group Inc. generates revenue primarily through transaction fees associated with its payment processing services, subscription fees for its digital banking solutions, and commissions from financial product offerings. Additionally, the company may earn income through partnerships with other financial institutions and technology providers, enabling access to a broader customer base and enhanced service features. Strategic alliances and collaborations also play a significant role in expanding Tenet's market reach and diversifying its revenue streams.

Tenet Fintech Group Inc. Financial Statement Overview

Summary

Despite a TTM revenue rebound from a very low base, fundamentals remain highly stressed: negative gross profit, very large operating/net losses, negative equity, and negative operating and free cash flow indicate a business still consuming cash with elevated balance-sheet risk.

Income Statement

TTM (Trailing-Twelve-Months) revenue is modest (~$2.0M) but shows a sharp rebound in growth versus the prior period. Profitability is a major weakness: gross profit is negative (costs exceed revenue), and operating and net losses are very large (net margin around -40x revenue), indicating the business model is not currently scaling efficiently. Historically, revenue has been highly volatile (very strong levels in 2021–2022, then a steep drop in 2023–2024), and losses have remained persistent across the cycle.

Balance Sheet

The balance sheet has deteriorated materially: TTM (Trailing-Twelve-Months) stockholders’ equity is negative (balance-sheet deficit), which increases financial risk and reduces flexibility. Debt is moderate in absolute dollars (~$7.3M TTM) but leverage is problematic given negative equity and ongoing losses. The company has also shrunk considerably from 2022–2023 asset and equity levels to the current position, suggesting pressure from operating performance and potential financing/valuation headwinds.

Cash Flow

Cash generation remains weak with negative operating cash flow TTM (Trailing-Twelve-Months) (~-$10.0M), showing the core business is still consuming cash. Free cash flow is also negative TTM (Trailing-Twelve-Months) (~-$4.2M), but it is less negative than operating cash flow, implying some near-term relief from working-capital or investment timing. A relative positive is that free cash flow is roughly in line with (or slightly better than) net loss on a proportional basis, but the overall trajectory is pressured and the latest free cash flow growth is sharply negative.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	2.01M	2.84M	42.09M	109.88M	103.63M	42.70M
Gross Profit	-4.31M	-10.88M	1.85M	27.19M	13.80M	6.95M
EBITDA	-21.99M	-51.55M	-68.46M	-48.78M	-47.38M	-2.93M
Net Income	-24.47M	-57.95M	-76.83M	-53.01M	-48.56M	-5.51M
Balance Sheet
Total Assets	29.60M	38.60M	81.92M	141.27M	195.29M	61.31M
Cash, Cash Equivalents and Short-Term Investments	1.54M	8.62M	1.21M	3.22M	19.44M	6.09M
Total Debt	7.31M	11.79M	13.76M	5.70M	2.16M	561.75K
Total Liabilities	29.27M	34.88M	34.04M	23.66M	29.70M	28.69M
Stockholders Equity	-12.48M	-9.43M	34.23M	102.35M	151.27M	20.84M
Cash Flow
Free Cash Flow	-4.25M	-6.92M	-11.79M	-16.40M	-47.22M	-4.98M
Operating Cash Flow	-10.02M	-6.92M	-3.91M	-4.76M	-40.89M	-3.90M
Investing Cash Flow	77.68K	-622.58K	-8.16M	-12.50M	-17.39M	-1.85M
Financing Cash Flow	10.32M	6.33M	11.78M	2.29M	69.48M	8.94M

Tenet Fintech Group Inc. Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 0.02
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:PKK, the sentiment is Negative. The current price of 0.02 is above the 20-day moving average (MA) of 0.02, below the 50-day MA of 0.02, and below the 200-day MA of 0.02, indicating a neutral trend. The MACD of >-0.01 indicates Negative momentum. The RSI at 38.20 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:PKK.

Tenet Fintech Group Inc. Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
BVCI	47 Neutral	C$6.79M	-2.83	―	―	―	40.52%
BTQ	47 Neutral	C$7.87M	-0.82	-236.03%	―	―	―
VENZ	47 Neutral	C$6.28M	-4.70	-79.05%	―	―	0.75%
FTEC	44 Neutral	C$5.60M	-14.58	―	―	-26.64%	-187.27%
PKK	43 Neutral	C$8.13M	-0.26	―	―	-75.67%	77.36%

Tenet Fintech Group Inc. Corporate Events

Tenet Fintech Reports Q3 2025 Results and Strategic Enhancements

Tenet Fintech Group Inc. reported its financial results for the third quarter of 2025, showing a revenue of $237,350 and a net loss of $3.59 million. Despite the financial loss, the company made significant enhancements to its Cubeler® Business Development Platform, including new features in the Networking module and an upgraded Insights module. Additionally, Tenet introduced an AI-powered data standardization application to support accounting software systems used by SMEs in North America. The company also announced a new custodian agreement in China for managing corporate seals, replacing a previous arrangement.

Tenet Fintech Group Inc. Announces Shareholder Meeting Outcomes

Tenet Fintech Group Inc. announced the results of its annual general and special meeting of shareholders, where it was resolved to elect five directors, appoint Raymond Chabot Grant Thornton LLP as auditors, and approve Tenet’s Omnibus Incentive Plan. The newly elected board members include Johnson Joseph, Liang Qiu, Yves C. Renaud, Jean Leblond, and Dr. George Krucik. This meeting underscores Tenet’s commitment to transparency and strategic governance, potentially impacting its operational efficacy and market positioning.