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Cornerstone FS Plc
(LSE:FIN)
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Select Model
Rating:47Neutral
Price Target:
5.00 p
▼(-55.56% Downside)
Action:Reiterated
Date:10/02/26
The score is held back primarily by weakened financial performance in 2025 (profitability and cash-flow pullback) and very bearish technicals with the share price well below major moving averages and extremely oversold momentum indicators. Valuation provides limited support due to a negative P/E and no dividend yield data.
Positive Factors
Strong long-term revenue expansion
Revenue has expanded substantially over several years, demonstrating meaningful top-line traction and increased customer or transaction activity. This larger operating base can support future scale benefits if the company restores profitability and converts growth into more consistent cash generation.
Negative Factors
Sharp profitability deterioration
The move from strong profitability to a near break-even EBITDA margin and net loss signals that recent revenue scale is not yet translating reliably into earnings. Unless margins recover, weaker internal funding capacity could constrain investment and reduce financial resilience.
Read all positive and negative factors
Positive Factors
Negative Factors
Strong long-term revenue expansion
Revenue has expanded substantially over several years, demonstrating meaningful top-line traction and increased customer or transaction activity. This larger operating base can support future scale benefits if the company restores profitability and converts growth into more consistent cash generation.
Read all positive factors
Cornerstone FS Plc (FIN) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£3.70M
Dividend YieldN/A
Average Volume (3M)345.82K
Price to Earnings (P/E)―
Beta (1Y)0.33
Revenue Growth-1.78%
EPS Growth-724.14%
CountryUK
Employees52
SectorTechnology
Sector Strength88
IndustrySpecialty Retail
Share Statistics
EPS (TTM)-0.04
Shares Outstanding70,432,915
10 Day Avg. Volume146,322
30 Day Avg. Volume345,824
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)£13.47M
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...
Cornerstone FS Plc Financial Statement Overview
Summary
Income Statement
54
Neutral
Balance Sheet
57
Neutral
Cash Flow
48
Neutral
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Jun 2022 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 11.94M | 12.43M | 11.35M | 9.65M | 4.82M | 2.30M |
| Gross Profit | 6.13M | 6.36M | 6.58M | 6.12M | 2.94M | 1.19M |
| EBITDA | -861.11K | 337.37K | 2.45M | 2.06M | -5.21M | -4.02M |
| Net Income | -2.24M | -1.11M | 996.55K | 2.13M | -5.61M | -4.10M |
Balance Sheet | ||||||
| Total Assets | 6.41M | 6.37M | 7.40M | 6.75M | 4.38M | 1.44M |
| Cash, Cash Equivalents and Short-Term Investments | 2.07M | 1.50M | 2.58M | 2.34M | 682.35K | 348.10K |
| Total Debt | 2.46M | 2.17M | 2.54M | 2.98M | 2.40M | 0.00 |
| Total Liabilities | 4.60M | 4.16M | 4.48M | 5.09M | 4.47M | 1.18M |
| Stockholders Equity | 1.81M | 2.22M | 2.92M | 1.66M | -89.90K | 258.63K |
Cash Flow | ||||||
| Free Cash Flow | -168.72K | 285.49K | 2.12M | 1.45M | -1.28M | -1.41M |
| Operating Cash Flow | -137.26K | 369.53K | 2.17M | 1.95M | -835.87K | -986.35K |
| Investing Cash Flow | -1.05M | -1.09M | -1.34M | -202.09K | -992.04K | -421.94K |
| Financing Cash Flow | 817.17K | -356.32K | -594.35K | -90.99K | 2.16M | 1.57M |
Cornerstone FS Plc Technical Analysis
Negative
11.25
Price Trends
8.66
Negative
9.80
Negative
10.99
Negative
Market Momentum
-0.97
Negative
16.39
Positive
41.93
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 11.25 is above the 20-day moving average (MA) of 6.07, above the 50-day MA of 8.66, and above the 200-day MA of 10.99, indicating a bearish trend. The MACD of -0.97 indicates Negative momentum. The RSI at 16.39 is Positive, neither overbought nor oversold. The STOCH value of 41.93 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
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | £188.90M | 16.50 | 107.46% | 4.51% | 14.52% | 7.47% | |
69 Neutral | £375.67M | 10.00 | 45.78% | 16.34% | 8.46% | 111.81% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
57 Neutral | £57.40M | -15.00 | -23.16% | ― | -6.58% | -85.28% | |
56 Neutral | £663.20M | -238.93 | -1.33% | 1.48% | 15.98% | -131.06% | |
55 Neutral | £52.21M | -116.13 | 31.19% | 9.58% | 17.23% | 29.17% | |
47 Neutral | £3.70M | -1.45 | -111.47% | ― | -1.78% | -724.14% |
* Technology Sector Average
GB:FIN
Cornerstone FS Plc
5.25
-9.55
-64.53%
GB:BGO
Bango plc
74.50
-21.50
-22.40%
GB:PAY
Paypoint
640.00
-63.07
-8.97%
GB:PCIP
PCI PAL
72.00
21.00
41.18%
GB:FNX
Fonix Mobile PLC
199.50
11.88
6.33%
GB:EWG
WAG Payment Solutions Plc
99.30
10.62
11.97%
Cornerstone FS Plc Corporate Events
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and Compliance
Finseta pivots to corporate growth as H1 revenue softens
Neutral
Sep 16, 2026
Finseta reported interim revenue of £5.4m for H1 2026, down from £5.9m a year earlier, as macroeconomic headwinds in key markets reduced average revenue per customer and weighed on private client activity. Despite the shift to an adjuste...
Business Operations and StrategyFinancial Disclosures
Finseta to Unveil Interim Results and Engage Investors in Live Presentation
Neutral
Sep 9, 2026
Finseta plc, a London-based payments solutions provider, offers multi-currency accounts and cross-border payment services for businesses and individuals via its proprietary technology platform and high-touch client support. Operating in more than ...
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,...
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.