Fonix Mobile PLC (FNX) AI Stock Analysis

• Market Cap: £188.27M
• Dividend Yield: 4.53%
• Average Volume (3M): 134.19K
• Price to Earnings (P/E): 16.9
• Beta (1Y): 0.18
• Revenue Growth: -4.35%
• EPS Growth: 5.34%
• Country: UK
• Employees: 50
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): 0.05
• Shares Outstanding: 99,088,830
• 10 Day Avg. Volume: 128,047
• 30 Day Avg. Volume: 134,195
• PEG Ratio: 0.00
• Price to Book (P/B): 21.40
• Price to Sales (P/S): 3.10
• P/FCF Ratio: 27.01
• 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: £293.00
• Price Target Upside: 54.21% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 63 Neutral
• Price Target: 215.00p ▲(13.16% Upside)

Fonix Mobile PLC's overall stock score is primarily influenced by its strong financial performance, which is offset by bearish technical indicators and a reasonable valuation. The company's robust balance sheet and profitability are strengths, but the declining revenue growth and weak market momentum present challenges.

Fonix Mobile PLC Business Overview & Revenue Model

Company Description

Fonix Mobile PLC (FNX) is a UK-based technology company specializing in mobile payments and messaging solutions. The company operates primarily in the telecommunications and digital services sectors, offering a wide range of products and services designed to facilitate secure and efficient transactions via mobile devices. Fonix Mobile provides services such as mobile billing, premium rate messaging, and interactive SMS solutions, catering to businesses and consumers looking to enhance their mobile engagement and payment capabilities.

How the Company Makes Money

Fonix Mobile generates revenue through multiple streams, primarily focusing on mobile payments and messaging services. The company earns money by charging fees for mobile billing transactions, where businesses can bill customers directly through their mobile phone accounts. Additionally, Fonix offers premium rate messaging services, allowing businesses to send interactive messages to consumers, for which they receive a share of the revenue generated. Strategic partnerships with mobile network operators and businesses further enhance its revenue generation capabilities, as these collaborations allow Fonix to expand its service offerings and reach a broader customer base. The company's ability to innovate and adapt its technology to meet market demands also plays a crucial role in sustaining its earnings.

Fonix Mobile PLC Financial Statement Overview

Summary

Fonix Mobile PLC exhibits a robust financial position with strong profitability and efficient cash flow management. The company has maintained healthy margins and a solid balance sheet with minimal leverage. However, the recent decline in revenue growth poses a challenge that needs to be addressed to sustain long-term growth.

Income Statement

Fonix Mobile PLC has shown a consistent ability to maintain healthy profit margins, with a Gross Profit Margin averaging around 24% and a Net Profit Margin around 15% over the years. However, the recent decline in revenue growth rate to -3.19% in 2025 indicates a potential challenge in sustaining revenue growth. Despite this, the company has managed to improve its EBIT and EBITDA margins, reflecting operational efficiency.

Balance Sheet

The company maintains a strong balance sheet with a very low Debt-to-Equity Ratio, indicating minimal leverage and financial risk. The Return on Equity is impressive, consistently above 90%, showcasing the company's ability to generate profits from shareholders' equity. The Equity Ratio is stable, reflecting a solid capital structure.

Cash Flow

Fonix Mobile PLC has demonstrated strong Free Cash Flow growth, particularly in recent years, with a notable increase of 19.84% in 2025. The Free Cash Flow to Net Income ratio is nearly 1, indicating efficient cash generation relative to net income. However, the Operating Cash Flow to Net Income ratio is relatively low, suggesting potential areas for improvement in operational cash flow management.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	72.78M	72.78M	76.09M	64.92M	53.65M	47.67M
Gross Profit	17.61M	17.61M	17.06M	15.07M	13.23M	11.35M
EBITDA	15.29M	15.29M	14.72M	11.78M	10.17M	7.91M
Net Income	11.14M	11.14M	10.62M	8.80M	8.03M	6.06M
Balance Sheet
Total Assets	57.98M	57.98M	64.35M	58.02M	50.14M	43.36M
Cash, Cash Equivalents and Short-Term Investments	22.00M	22.00M	26.48M	20.65M	16.99M	17.34M
Total Debt	146.00K	146.00K	262.00K	17.00K	133.00K	244.00K
Total Liabilities	47.45M	47.45M	53.65M	48.63M	42.32M	38.13M
Stockholders Equity	10.53M	10.53M	10.70M	9.39M	7.82M	5.22M
Cash Flow
Free Cash Flow	8.34M	8.34M	16.43M	10.79M	5.30M	-7.81M
Operating Cash Flow	8.36M	8.36M	16.45M	11.85M	5.92M	-7.26M
Investing Cash Flow	-1.30M	-1.30M	-1.08M	-718.00K	-617.00K	-529.00K
Financing Cash Flow	-11.54M	-11.54M	-9.54M	-7.47M	-5.65M	-3.49M

Fonix Mobile PLC Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 190.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Positive
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:FNX, the sentiment is Negative. The current price of 190 is below the 20-day moving average (MA) of 207.40, below the 50-day MA of 213.04, and below the 200-day MA of 212.93, indicating a bearish trend. The MACD of -6.02 indicates Positive momentum. The RSI at 27.29 is Positive, neither overbought nor oversold. The STOCH value of 10.49 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:FNX.

Fonix Mobile PLC Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BKS	74 Outperform	£148.69M	50.00	7.35%	―	26.09%	32.43%
BOKU	73 Outperform	£718.08M	69.94	9.64%	―	22.19%	78.35%
EWG	72 Outperform	£623.02M	68.18	3.98%	―	-0.85%	―
BGO	70 Outperform	£72.35M	―	-10.50%	―	6.40%	70.78%
FNX	63 Neutral	£188.27M	16.89	104.98%	4.53%	-4.35%	5.34%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
PAY	60 Neutral	£519.66M	28.24	17.90%	4.52%	1.42%	-46.02%

Fonix Mobile PLC Corporate Events

Fonix Mobile PLC Announces Exercise of Employee Share Options

Fonix Mobile PLC has announced the exercise of employee share options, resulting in the transfer of 13,303 ordinary shares from Treasury, adjusting the company’s total voting share capital to 99,088,831 shares. This move reflects Fonix’s ongoing commitment to employee incentives and may influence shareholder interests and market perceptions of the company’s growth strategy.

The most recent analyst rating on (GB:FNX) stock is a Buy with a £293.00 price target. To see the full list of analyst forecasts on Fonix Mobile PLC stock, see the GB:FNX Stock Forecast page.

Fonix Mobile PLC Reports Growth and Expansion Plans for FY26

Fonix Mobile PLC reported a 3.9% increase in gross profit to £18.6 million and a 6.6% rise in adjusted EBITDA to £14.6 million for the year ending June 30, 2025. The company is focusing on expanding its product offerings and geographical reach, with plans to launch new products like PayFlex, CompsPortal, and RCS, and entering new European markets such as Portugal. Despite a decline in total payment volume due to strategic exits from low-margin services, Fonix maintains strong cash flows and plans to increase its final dividend. The company is well-positioned for future growth with a diversified market presence and innovative product launches, which are expected to drive higher transaction volumes and customer engagement.

The most recent analyst rating on (GB:FNX) stock is a Buy with a £293.00 price target. To see the full list of analyst forecasts on Fonix Mobile PLC stock, see the GB:FNX Stock Forecast page.

Fonix Mobile PLC Reports Steady Growth and Expands Internationally

Fonix Mobile PLC reported steady financial growth for the fiscal year ending June 30, 2025, with a 3.9% increase in gross profit and a 6.6% rise in adjusted EBITDA. The company maintained its leading position in the UK market and expanded its product offerings with new solutions like PayFlex, CompsPortal, and RCS, which are expected to drive future revenue. Fonix is also pursuing international expansion, with plans to launch in Portugal and establish entities in additional European countries. Despite a decline in total payment volume due to reduced charity campaigns and the exit of low-margin services, Fonix’s focus on sustainable, higher-margin revenue remains strong. The company is optimistic about its growth prospects in FY26, with a broader product offering and international expansion set to enhance revenue growth and customer diversification.

The most recent analyst rating on (GB:FNX) stock is a Buy with a £293.00 price target. To see the full list of analyst forecasts on Fonix Mobile PLC stock, see the GB:FNX Stock Forecast page.

Downing LLP Acquires 3.05% Stake in Fonix Mobile PLC

Fonix Mobile PLC has announced a change in its shareholder structure as Downing LLP has acquired a 3.05% voting rights stake in the company. This acquisition may impact Fonix’s strategic decisions and influence its market positioning, as Downing LLP’s involvement could bring new perspectives and resources to the company, potentially affecting stakeholders and future business operations.

The most recent analyst rating on (GB:FNX) stock is a Buy with a £293.00 price target. To see the full list of analyst forecasts on Fonix Mobile PLC stock, see the GB:FNX Stock Forecast page.