Cornerstone FS Plc (FIN) AI Stock Analysis

• Market Cap: £7.97M
• Dividend Yield: N/A
• Average Volume (3M): 463.18K
• Price to Earnings (P/E): 23.7
• Beta (1Y): 0.24
• Revenue Growth: 9.45%
• EPS Growth: -86.94%
• Country: UK
• Employees: 43
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): >-0.01
• Shares Outstanding: 57,967,102
• 10 Day Avg. Volume: 141,252
• 30 Day Avg. Volume: 463,178
• PEG Ratio: -0.37
• Price to Book (P/B): 6.79
• Price to Sales (P/S): 1.74
• P/FCF Ratio: 9.35
• 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: Hold
• Number of Analyst Covering: 0

• Rating: 59 Neutral
• Price Target: 14.00p ▲(0.00% Upside)

Cornerstone FS Plc's overall stock score reflects a strong financial performance with significant improvements in revenue and cash flow. However, technical indicators show bearish momentum, and the valuation suggests moderate growth potential. The absence of earnings call data and corporate events limits additional insights.

Cornerstone FS Plc Business Overview & Revenue Model

Company Description

Cornerstone FS Plc (FIN) is a financial services company that operates within the foreign exchange and payments sector. The company provides multi-currency payment services and foreign exchange solutions to businesses and individuals, facilitating efficient and secure cross-border transactions. Cornerstone FS is committed to offering tailored financial solutions that meet the diverse needs of its clients, leveraging technology to enhance the user experience and streamline operations.

How the Company Makes Money

Cornerstone FS Plc generates revenue through its foreign exchange and payment services. The company earns money by charging fees and commissions on currency exchange transactions and cross-border payments. These fees can be fixed or variable, depending on the transaction size and currency pairs involved. Additionally, Cornerstone FS may benefit from favorable exchange rate margins when converting currencies on behalf of clients. The company's revenue is also influenced by the volume and value of transactions processed through its platform. Strategic partnerships with financial institutions and technology providers can enhance Cornerstone FS's service offerings and expand its client base, contributing to its revenue growth.

Cornerstone FS Plc Financial Statement Overview

Summary

Cornerstone FS Plc has shown a commendable turnaround with strong revenue growth, improved profitability, and enhanced cash flow. Despite historical challenges with profitability and high leverage, the company is progressing towards financial stability.

Income Statement

Cornerstone FS Plc has demonstrated strong revenue growth over the years, with a significant increase from 2020 to 2024. The gross profit margin has improved, indicating better cost management and profitability. However, net profit margins have shown volatility, with a large net loss in prior years turning into a profit in 2024. The EBIT and EBITDA margins have also improved in recent years, reflecting operational efficiency. Despite the positive trajectory, the earlier losses highlight historical challenges.

Balance Sheet

The company's balance sheet shows a solid improvement in stockholders' equity, moving from negative to positive over the years, which is a positive sign of growth. The debt-to-equity ratio has decreased, indicating better leverage management, though it remains relatively high. The equity ratio has improved, suggesting a stronger asset base. However, the company has faced challenges with liabilities exceeding assets in some years, which could pose risks if not managed carefully.

Cash Flow

Cornerstone FS Plc has shown a strong recovery in its cash flow metrics, with significant growth in free cash flow and operating cash flow in recent years. The free cash flow to net income ratio is robust, indicating efficient cash generation relative to profits. The operating cash flow to net income ratio is positive, reflecting improved cash earnings quality. Despite past negative cash flows, recent improvements highlight a positive turnaround in cash management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	12.16M	11.35M	9.65M	4.82M	2.30M	1.66M
Gross Profit	6.75M	6.58M	6.12M	2.94M	1.19M	496.31K
EBITDA	1.79M	2.45M	2.06M	-5.21M	-4.02M	-2.13M
Net Income	334.26K	996.55K	2.13M	-5.61M	-4.10M	-2.15M
Balance Sheet
Total Assets	7.77M	7.40M	6.75M	4.38M	1.44M	1.08M
Cash, Cash Equivalents and Short-Term Investments	2.43M	2.58M	2.34M	682.35K	348.10K	183.68K
Total Debt	2.56M	2.54M	2.98M	2.40M	0.00	0.00
Total Liabilities	4.91M	4.48M	5.09M	4.47M	1.18M	1.22M
Stockholders Equity	2.86M	2.92M	1.66M	-89.90K	258.63K	-135.92K
Cash Flow
Free Cash Flow	1.65M	2.12M	1.45M	-1.28M	-1.41M	-1.20M
Operating Cash Flow	1.75M	2.17M	1.95M	-835.87K	-986.35K	-857.64K
Investing Cash Flow	-1.51M	-1.34M	-202.09K	-992.04K	-421.94K	-344.58K
Financing Cash Flow	-573.68K	-594.35K	-90.99K	2.16M	1.57M	1.31M

Cornerstone FS Plc Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 14.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:FIN, the sentiment is Negative. The current price of 14 is below the 20-day moving average (MA) of 14.31, below the 50-day MA of 17.80, and below the 200-day MA of 28.51, indicating a bearish trend. The MACD of -1.16 indicates Negative momentum. The RSI at 36.53 is Neutral, neither overbought nor oversold. The STOCH value of 38.07 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:FIN.

Cornerstone FS Plc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	―	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
FIN	―	£7.97M	23.71	13.03%	―	9.45%	-86.94%
SWG	―	£13.58M	-4.81	―	―	―	―
SYS	―	£14.64M	-7.23	-9.53%	―	-9.74%	79.93%
PCIP	―	£34.05M	783.33	―	―	25.15%	―
IOM	―	£23.35M	-0.42	-58.97%	20.77%	12.92%	-949.57%
CLCO	―	£1.48M	―	―	―	―	―

Cornerstone FS Plc Corporate Events

Finseta plc Grants Share Options to Key Employees

Finseta plc has announced the granting of 150,000 options over ordinary shares to certain employees, including Chief Product Officer Declan Jones, as part of its employee incentive program. These options, which vest over three years and are exercisable at 13.75 pence per share, align with the company’s strategy to retain key personnel and enhance its competitive positioning in the foreign exchange and payments industry.

The most recent analyst rating on (GB:FIN) stock is a Hold with a £28.00 price target. To see the full list of analyst forecasts on Cornerstone FS Plc stock, see the GB:FIN Stock Forecast page.

Finseta Chairman Increases Shareholding in Strategic Move

Finseta plc announced that Gareth Edwards, the Non-Executive Chairman, purchased 14,700 ordinary shares and transferred 48,500 shares into his SIPP, increasing his total interest to 835,546 shares, representing 1.44% of the company’s issued share capital. This transaction reflects a strategic move by a key executive, potentially indicating confidence in the company’s future prospects and stability, which could influence stakeholder perceptions and market positioning.

The most recent analyst rating on (GB:FIN) stock is a Hold with a £28.00 price target. To see the full list of analyst forecasts on Cornerstone FS Plc stock, see the GB:FIN Stock Forecast page.

Finseta Directors Increase Shareholdings, Signaling Confidence

Finseta plc announced that several of its directors, including the Chairman, CEO, CFO, and a Non-executive Director, have purchased ordinary shares in the company. This move reflects confidence in the company’s future prospects and could positively impact stakeholder perceptions. Notably, the Chairman, Gareth Edwards, also made a strategic transfer of shares into his personal pension, indicating a long-term investment approach.

The most recent analyst rating on (GB:FIN) stock is a Hold with a £28.00 price target. To see the full list of analyst forecasts on Cornerstone FS Plc stock, see the GB:FIN Stock Forecast page.

Finseta plc Reports 16% Revenue Growth Amid Strategic Expansion

Finseta plc reported a 16% revenue growth for the first half of 2025, driven by an increase in active customers and strategic investments in new initiatives. The company expanded its global footprint with new offices in Dubai and Canada, launched a corporate card scheme, and received regulatory approval in the UAE, which contributed to significant revenue growth in the region. Despite challenges from global macroeconomic factors affecting USD-related business, Finseta is optimistic about medium-term growth prospects due to its strategic actions and improved cost discipline. The company anticipates an 11% revenue growth for the full year, with a focus on accelerating sales and profitability.

The most recent analyst rating on (GB:FIN) stock is a Hold with a £28.00 price target. To see the full list of analyst forecasts on Cornerstone FS Plc stock, see the GB:FIN Stock Forecast page.

Finseta plc Amends Shareholding Announcement for CIO and Spouse

Finseta plc announced amendments to a previous shareholding announcement involving its Chief Information Officer, William Newton, and his spouse, Michele Newton. The corrections clarified that Michele Newton sold 154,240 shares and both she and William Newton purchased 75,353 shares each into their ISA accounts. This adjustment impacts the reported share transactions and holdings of the company’s directors, aligning with regulatory requirements under the UK Market Abuse Regulation.

Finseta Executives Increase Shareholdings, Reflecting Confidence

Finseta plc announced recent transactions involving its directors and executives, including the purchase of ordinary shares by CEO James Hickman, CFO Judy Happe, and Non-executive Director Simon Bullock. Additionally, CIO William Newton executed a Bed and SIPP arrangement to transfer shares to his pension. These transactions reflect internal confidence in the company’s prospects and may influence stakeholder perceptions positively.