Manx Financial (3IM) Stock Price & Analysis
3IM Stock Chart & Stats
- Day’s Range
- EUR 0.23 - EUR 0.23
- 52-Week Range
- EUR 0.21 - EUR 0.35
- Previous Close
- EUR 0.24
- Volume
- N/A
- Average Volume (3M)
- 0
- Market Cap
- EUR 31.44M
- Enterprise Value
- EUR 72.14M
- Total Cash (Recent Filing)
- EUR 22.59M
- Total Debt (Recent Filing)
- EUR 49.86M
- Price to Earnings (P/E)
- 4.8
- Beta
- -0.36
- Next Earnings
- Mar 04, 2027 (Est.)
- EPS Estimate
- N/A
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 5.71%
Bulls Say, Bears Say
Bulls Say
Revenue Growth
Consistent revenue expansion indicates that Manx Financial has been growing the scale of its banking and lending operations. A larger loan and service base can support recurring interest and fee income, strengthen operating leverage, and provide a foundation for future earnings recovery.
Equity Growth And Returns
Steady equity accumulation and historically healthy returns on equity indicate that the company has retained capital while generating meaningful returns from its banking assets. This supports balance-sheet resilience and gives the business a stronger base for continued lending activity.
Positive Recent Operating Cash Flow
Positive operating cash flow over the latest three years shows that the business has generated cash from its ongoing activities despite variability across periods. This supports day-to-day funding needs and provides some internal capacity to maintain or expand operations.
Bears Say
Margin Compression
Broad-based margin compression means revenue growth is translating into less profit, reducing the earnings benefit of expansion. If higher costs or weaker spreads persist, profitability and retained capital could remain under pressure even while the lending book continues to grow.
Rising Leverage
Meaningful and rising leverage increases sensitivity to weaker operating conditions because debt obligations remain while earnings can fluctuate. Higher leverage may amplify earnings volatility, constrain financial flexibility, and make future growth more dependent on continued asset performance.
Volatile Cash Conversion
Uneven operating cash flow and the sharp 2025 free-cash-flow decline reduce confidence that reported earnings consistently convert into internally available funds. This variability can make growth funding less predictable and increase reliance on external or balance-sheet resources.
Manx Financial News
3IM FAQ
What was Manx Financial’s price range in the past 12 months?
What is Manx Financial’s market cap?
When is Manx Financial’s upcoming earnings report date?
How were Manx Financial’s earnings last quarter?
Is Manx Financial overvalued?
Does Manx Financial pay dividends?
What is Manx Financial’s EPS estimate?
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What is the TipRanks Smart Score and how is it calculated?
Company Description
Manx Financial
Manx Financial Group PLC, headquartered in Douglas, Isle of Man, offers a diverse array of financial services throughout the Isle of Man, the United Kingdom, and the Channel Islands. Established in 1935, and previously known as Conister Financial Group PLC until its rebranding in July 2009, the company serves both individual consumers and businesses. Its extensive portfolio includes asset and personal finance solutions such as savings accounts, asset financing, and personal loans, alongside specialized secured credit facilities, block discounting, and funding specifically for small and medium-sized enterprises. The Group also provides foreign exchange services and acts as a broker for hire purchase and leasing arrangements. Additionally, it delivers comprehensive wealth management, mortgage, and various insurance products (general and life), coupled with retirement planning for both personal and corporate clients, in addition to offering payment processing facilities.
- Sector
- Financial
- Industry
- Banks - Regional
- CEO
- Douglas Haddow Grant
- Employees
- 181
- Website
- www.mfg.im
- Address
- Clarendon House, Douglas, IM, IM1 2LN, IM
Manx Financial (3IM) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 3 | 6 | 13 |
| Technical Analysis | 1 | 6 | 3 |
| Moving Averages | 2 | 0 | 10 |








