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Cornerstone FS Plc
(LSE:FIN)
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Rating:48Neutral
Price Target:
7.00 p
▼(-37.78% Downside)
Action:Reiterated
Date:09/06/26
The score is held back primarily by weakening financial performance in 2025 (losses, margin compression, and sharply lower cash generation) and a bearish technical setup (price below all major moving averages with negative MACD). Valuation provides limited support due to negative earnings and no stated dividend yield.
Positive Factors
Revenue Scale
The substantial multi-year increase in revenue shows that Cornerstone has expanded its commercial activity and customer monetisation. A larger revenue base can support operating investment, broaden the platform’s relevance to business clients, and provide a foundation for renewed profitability if execution improves.
Negative Factors
Return to Losses
The return to a net loss after profitable results in 2023 and 2024 demonstrates that earnings are not yet dependable. Persistent losses would constrain reinvestment and weaken financial flexibility, making recovery dependent on reversing the cost or pricing pressures that reduced profitability.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Scale
The substantial multi-year increase in revenue shows that Cornerstone has expanded its commercial activity and customer monetisation. A larger revenue base can support operating investment, broaden the platform’s relevance to business clients, and provide a foundation for renewed profitability if execution improves.
Read all positive factors
Cornerstone FS Plc (FIN) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£4.93M
Dividend YieldN/A
Average Volume (3M)281.46K
Price to Earnings (P/E)―
Beta (1Y)0.32
Revenue Growth9.44%
EPS Growth-208.62%
CountryUK
Employees52
SectorTechnology
Sector Strength88
IndustrySpecialty Retail
Share Statistics
EPS (TTM)-0.02
Shares Outstanding70,432,915
10 Day Avg. Volume687,736
30 Day Avg. Volume281,457
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)3.75
Price to Sales (P/S)0.67
P/FCF Ratio29.15
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)<0.01
Revenue Forecast (FY)£16.17M
Cornerstone FS Plc Business Overview & Revenue Model
Company Description
Finseta Plc engages in the provision of payment services, foreign exchange and currency risk management. It offers a proprietary cloud-based software platform known as FXPal, which is designed to cater to the needs of small and medium sized enterp...
How the Company Makes Money
Cornerstone FS Plc primarily makes money by charging fees and/or earning spreads on foreign exchange and payment transactions executed for customers. Key revenue streams typically include (1) foreign exchange margin (the difference between the rat...
Cornerstone FS Plc Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
57
Neutral
Cash Flow
48
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Jun 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 12.43M | 11.35M | 9.65M | 4.82M | 2.30M |
| Gross Profit | 6.36M | 6.58M | 6.12M | 2.94M | 1.19M |
| EBITDA | 337.37K | 2.45M | 2.06M | -5.21M | -4.02M |
| Net Income | -1.11M | 996.55K | 2.13M | -5.61M | -4.10M |
Balance Sheet | |||||
| Total Assets | 6.37M | 7.40M | 6.75M | 4.38M | 1.44M |
| Cash, Cash Equivalents and Short-Term Investments | 1.50M | 2.58M | 2.34M | 682.35K | 348.10K |
| Total Debt | 2.17M | 2.54M | 2.98M | 2.40M | 0.00 |
| Total Liabilities | 4.16M | 4.48M | 5.09M | 4.47M | 1.18M |
| Stockholders Equity | 2.22M | 2.92M | 1.66M | -89.90K | 258.63K |
Cash Flow | |||||
| Free Cash Flow | 285.49K | 2.12M | 1.45M | -1.28M | -1.41M |
| Operating Cash Flow | 369.53K | 2.17M | 1.95M | -835.87K | -986.35K |
| Investing Cash Flow | -1.09M | -1.34M | -202.09K | -992.04K | -421.94K |
| Financing Cash Flow | -356.32K | -594.35K | -90.99K | 2.16M | 1.57M |
Cornerstone FS Plc Technical Analysis
Negative
11.25
Price Trends
11.41
Negative
10.39
Negative
11.91
Negative
Market Momentum
-1.04
Positive
17.23
Positive
16.67
Positive
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 11.25 is above the 20-day moving average (MA) of 10.31, below the 50-day MA of 11.41, and below the 200-day MA of 11.91, indicating a bearish trend. The MACD of -1.04 indicates Positive momentum. The RSI at 17.23 is Positive, neither overbought nor oversold. The STOCH value of 16.67 is Positive, 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
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | £164.50M | 14.91 | 104.64% | 5.34% | 1.57% | 1.80% | |
69 Neutral | £363.57M | 9.61 | 45.78% | 17.01% | 8.46% | 111.81% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
55 Neutral | £47.86M | -106.45 | 31.19% | 9.58% | 17.23% | 29.17% | |
49 Neutral | £51.24M | -8.88 | -32.65% | ― | -5.08% | -98.14% | |
48 Neutral | £4.93M | -3.68 | -43.85% | ― | 9.44% | -208.62% | |
44 Neutral | £706.92M | 1,970.02 | 0.15% | 1.48% | 4.39% | -33.33% |
* Technology Sector Average
GB:FIN
Cornerstone FS Plc
7.00
-15.75
-69.23%
GB:BGO
Bango plc
66.50
-26.00
-28.11%
GB:PAY
Paypoint
615.00
-30.73
-4.76%
GB:PCIP
PCI PAL
66.00
20.50
45.05%
GB:FNX
Fonix Mobile PLC
168.50
-38.12
-18.45%
GB:EWG
WAG Payment Solutions Plc
101.60
-11.72
-10.34%
Cornerstone FS Plc Corporate Events
Business Operations and StrategyFinancial Disclosures
Finseta Warns on 2026 Revenue as Macro Pressures Offset Corporate Shift
Negative
Sep 1, 2026
Finseta plc reported that first-half 2026 revenue is expected to decline to about £5.4m from £5.9m a year earlier, as macroeconomic headwinds dampened customer demand and extended sales cycles despite active customer numbers rising to 1,...
Business Operations and StrategyShareholder Meetings
Finseta shareholders back all resolutions at 2026 AGM
Positive
Jun 30, 2026
Finseta plc has confirmed that all resolutions proposed at its annual general meeting held on 30 June 2026 were duly passed, reflecting strong shareholder support across the agenda. The successful outcome of the AGM reinforces the company’s ...
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.