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3i Group plc (GB:III)
:III
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3i Group plc (III) AI Stock Analysis

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GB:III

3i Group plc

(LSE:III)

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Outperform 79 (OpenAI - 4o)
Rating:79Outperform
Price Target:
4,500.00p
â–˛(14.36% Upside)
3i Group plc's strong financial performance and positive earnings call sentiment are the primary drivers of its high score. The company's robust profitability, effective leverage management, and strategic growth initiatives are significant strengths. The technical analysis indicates neutral momentum, and the valuation suggests potential undervaluation, contributing to a favorable overall assessment.
Positive Factors
Strong Financial Performance
Consistently high return on equity over five years highlights effective management and strong profitability, supporting long-term growth.
Private Equity Success
Strong returns from private equity indicate successful investment strategies and robust portfolio management, driving sustainable growth.
Cash Flow Strength
Effective cash generation and management ensure liquidity and financial flexibility, supporting strategic investments and operations.
Negative Factors
Foreign Exchange Losses
Significant foreign exchange losses can impact profitability and NAV, posing a risk to financial stability and investor confidence.
Challenging Consumer Markets
Reduced consumer spending in key markets may affect portfolio company performance, impacting overall growth and returns.
Infrastructure Share Price Underperformance
Underperformance in infrastructure investments could signal challenges in this segment, affecting overall portfolio valuation and returns.

3i Group plc (III) vs. iShares MSCI United Kingdom ETF (EWC)

3i Group plc Business Overview & Revenue Model

Company Description3i Group plc (III) is a leading international investment manager focused on private equity, infrastructure, and debt management. The company operates primarily in Europe and North America, investing in a diverse range of sectors including healthcare, technology, consumer goods, and industrials. 3i Group's core services include acquiring and managing investments, providing strategic support to portfolio companies, and facilitating growth through operational improvements and capital investment.
How the Company Makes Money3i Group generates revenue through several key streams: management fees and performance fees from its investment funds, returns on investments from the sale of portfolio companies, and interest income from debt investments. The company typically charges management fees based on the assets under management (AUM) and earns performance fees when it surpasses certain return thresholds on its investments. Significant partnerships with institutional investors and a robust portfolio of companies allow 3i to diversify its revenue sources while maximizing returns. The successful execution of its investment strategy, including active management and market timing, further contributes to its earnings.

3i Group plc Earnings Call Summary

Earnings Call Date:May 15, 2025
(Q4-2025)
|
% Change Since: |
Next Earnings Date:Nov 06, 2025
Earnings Call Sentiment Positive
The earnings call highlighted strong financial performance, particularly in the private equity segment and Action's impressive growth. However, challenges such as foreign exchange losses and weaker consumer activity in certain regions were noted. Overall, the positive aspects significantly outweighed the negative ones, indicating a robust performance and strategic positioning for future growth.
Q4-2025 Updates
Positive Updates
Record Return on Equity
3i Group achieved a return on equity of 25% for FY '25, marking the fifth consecutive year with a total return of over 20%.
Strong Private Equity Performance
The private equity segment produced a 26% gross investment return, with notable contributions from companies like Action, which delivered a 32% gross investment return.
Successful Divestments
3i achieved successful exits from nexeye and WP, delivering over 2x returns and selling at a premium to their marks.
Action's Outstanding Growth
Action achieved sales growth of 22%, opened over 350 stores, and delivered a 29% growth in EBITDA. It also won several consumer awards, including France's favorite retailer for the third consecutive year.
Dividend Increase
The company announced a dividend of 73p per share, representing a 20% increase from the previous year.
Negative Updates
Foreign Exchange Losses
3i Group faced a foreign exchange translation loss of GBP 259 million, impacting NAV per share.
Challenging Consumer Markets
Weaker consumer activity was noted in Belgium, France, and Germany, with smaller baskets and less spending towards the end of the month.
Infrastructure Share Price Underperformance
Despite strong portfolio performance, the 3i infrastructure share price underperformed, reducing by 3% over the year.
Company Guidance
During the 3i Group's FY '25 annual results presentation, CEO Simon Borrows highlighted the company's impressive financial performance. The group achieved a return on equity of 25%, following a 23% return the previous year, marking the fifth consecutive year of over 20% total returns. The net asset value (NAV) per share increased to GBP 25.42, despite a foreign exchange loss of GBP 259 million. The private equity segment delivered a gross investment return of 26%, with significant contributions from Action, which achieved a 32% gross investment return and sales growth of 22%. The company announced a 73p per share dividend, a 20% increase from last year, and maintained a low gearing of 3%. The balance sheet remains robust with a net debt of GBP 771 million, well within the newly adjusted range relative to NAV growth. The infrastructure segment also showed strong performance, although not reflected in the share price of 3i Infrastructure. The group continues to focus on long-term growth through strategic investments and by maintaining a portfolio of resilient, high-performing companies.

3i Group plc Financial Statement Overview

Summary
3i Group plc exhibits a strong financial position with high profitability, efficient cost management, and robust cash flow generation. The income statement, balance sheet, and cash flow metrics are all impressive, though there is room for more aggressive asset growth.
Income Statement
92
Very Positive
3i Group plc has shown impressive performance in its income statement metrics. The gross profit margin is high, indicating efficient cost management. The net profit margin is robust, reflecting strong profitability. Revenue growth over recent years has been substantial, showcasing excellent growth trajectory. Additionally, EBIT and EBITDA margins are very healthy, underscoring operational efficiency.
Balance Sheet
85
Very Positive
The balance sheet of 3i Group plc is strong, marked by a low debt-to-equity ratio that signifies prudent leverage management. The return on equity is exceptional, indicating effective use of equity to generate profits. The equity ratio is solid, reflecting a strong capital structure. However, the company's asset growth could be more aggressive to support expansion.
Cash Flow
88
Very Positive
3i Group plc's cash flow statement is very positive, with a strong free cash flow growth rate highlighting effective cash generation capability. The operating cash flow to net income ratio is solid, indicating good cash conversion efficiency. Additionally, the free cash flow to net income ratio is healthy, demonstrating effective cash management.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue1.69B5.27B3.98B606.00M714.00M238.00M
Gross Profit5.15B5.19B3.98B562.00M4.14B225.00M
EBITDA5.00B5.05B3.82B4.61B4.03B1.87B
Net Income5.04B5.04B3.84B4.57B4.01B1.85B
Balance Sheet
Total Assets26.06B26.06B21.64B17.82B13.95B10.33B
Cash, Cash Equivalents and Short-Term Investments412.00M412.00M358.00M162.00M212.00M216.00M
Total Debt1.24B1.24B1.25B785.00M989.00M992.00M
Total Liabilities1.45B1.45B1.47B975.00M1.19B1.17B
Stockholders Equity24.61B24.61B20.17B16.84B12.75B9.16B
Cash Flow
Free Cash Flow747.00M747.00M363.00M185.00M132.00M-66.00M
Operating Cash Flow763.00M763.00M366.00M186.00M132.00M-65.00M
Investing Cash Flow311.00M-16.00M-3.00M486.00M306.00M-541.00M
Financing Cash Flow-690.00M-690.00M-164.00M-719.00M-446.00M53.00M

3i Group plc Technical Analysis

Technical Analysis Sentiment
Positive
Last Price3935.00
Price Trends
50DMA
4046.56
Negative
100DMA
4072.70
Negative
200DMA
3928.72
Positive
Market Momentum
MACD
-43.07
Negative
RSI
49.33
Neutral
STOCH
68.99
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:III, the sentiment is Positive. The current price of 3935 is above the 20-day moving average (MA) of 3912.05, below the 50-day MA of 4046.56, and above the 200-day MA of 3928.72, indicating a neutral trend. The MACD of -43.07 indicates Negative momentum. The RSI at 49.33 is Neutral, neither overbought nor oversold. The STOCH value of 68.99 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:III.

3i Group plc Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
79
Outperform
ÂŁ37.94B7.5322.50%1.86%53.45%31.17%
76
Outperform
1.97B14.1417.78%7.22%-10.85%-42.02%
72
Outperform
5.87B16.529.82%5.68%4.78%―
71
Outperform
3.36B10.604.71%7.66%-7.11%0.45%
67
Neutral
6.45B14.53―3.66%-0.15%-7.47%
54
Neutral
6.03B-102.93-10.97%7.98%9.86%-134.41%
68
Neutral
$18.00B11.429.92%3.81%9.73%1.22%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:III
3i Group plc
3,935.00
643.96
19.57%
GB:ICG
Intermediate Capital
2,268.00
16.33
0.73%
GB:EMG
Man Group plc
179.00
-21.60
-10.77%
GB:SDR
Schroders
378.20
47.32
14.30%
GB:ABDN
Aberdeen Group
190.70
39.22
25.89%
MGPUF
M&G Plc
3.66
1.06
40.77%

3i Group plc Corporate Events

Other
3i Group Director and Associates Increase Shareholdings
Positive
Aug 7, 2025

3i Group plc announced that on 6 August 2025, several transactions involving the purchase of ordinary shares were conducted by Ms. Jasi Halai, a Director and person discharging managerial responsibilities, and her closely associated persons. These transactions, which took place on the London Stock Exchange, highlight the confidence of the company’s management and their associates in the company’s future prospects.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Other
3i Group Directors Increase Shareholdings, Signaling Confidence
Positive
Aug 5, 2025

3i Group plc announced that several of its directors and persons discharging managerial responsibilities have acquired shares in the company, with transactions occurring on the London Stock Exchange. This move indicates a vote of confidence from the company’s leadership in its market position and future prospects, potentially reassuring stakeholders and investors about the company’s stability and growth trajectory.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Other
3i Group Executives Increase Shareholdings, Indicating Confidence in Company Growth
Positive
Aug 5, 2025

On August 4, 2025, Kevin Dunn, a senior executive at 3i Group, and Donna Stringer, closely associated with Dunn, each purchased 482 ordinary shares in the company at £40.98 per share on the London Stock Exchange. This transaction reflects confidence in the company’s performance and potential future growth, signaling positive sentiment from its leadership.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Other
3i Group Directors Acquire Shares Under Incentive Plan
Neutral
Aug 1, 2025

3i Group plc announced that its directors and persons discharging managerial responsibilities (PDMRs) have acquired beneficial interests in the company’s ordinary shares through the 3i Group Share Incentive Plan. The transactions, which included Partnership Shares, Matching Shares, and Dividend Shares, were completed on 31 July 2025 and notified to the company on the same day. These acquisitions were made outside a trading venue, reflecting the company’s ongoing commitment to aligning management interests with shareholder value.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Regulatory Filings and Compliance
3i Group Updates Total Voting Rights Post Share Allotment
Neutral
Jul 31, 2025

3i Group plc has announced an update on its total voting rights following the allotment of shares under its Share Incentive Plan, bringing the total to 973,412,677 issued ordinary shares. This update is significant for shareholders and stakeholders as it affects the calculation of their interests under the FCA’s Disclosure Guidance and Transparency Rules, with implications for transparency and regulatory compliance.

The most recent analyst rating on (GB:III) stock is a Buy with a £4940.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Business Operations and Strategy
3i Group Director Acquires Significant Shareholding
Positive
Jul 31, 2025

Simon Borrows, a director at 3i Group plc, acquired a beneficial interest in 421,887 ordinary shares at no cost, following the vesting of performance share awards from the 3i Group Discretionary Share Plan. These shares are subject to holding requirements until 2026 and 2027, indicating a long-term commitment to the company’s growth and stability.

The most recent analyst rating on (GB:III) stock is a Buy with a £4998.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

M&A TransactionsBusiness Operations and StrategyFinancial Disclosures
3i Group Reports Strong Start to FY2026 with Key Milestones Achieved
Positive
Jul 24, 2025

3i Group plc reported a strong start to FY2026, with an increase in NAV per share and a total return of 7% for the first quarter. The company achieved significant milestones, including the sale of its investment in MPM, yielding a 3.2x money multiple and a 29% IRR. Action, a key portfolio company, showed robust performance with net sales and operating EBITDA growth, despite a one-off expense. The group’s infrastructure segment also performed well, with an increase in 3i Infrastructure plc’s share price and solid dividend income. The company remains cautious in its investment approach amid uncertain economic conditions.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Regulatory Filings and Compliance
3i Group’s Compliance with UK Listing Rule 11.7.8R
Neutral
Jul 1, 2025

3i Group plc, a prominent investment company, has announced that as of the end of June 2025, it holds no investments in listed closed-ended investment funds that do not have a policy limiting their investment in other similar funds to 15% of their total assets. This disclosure aligns with UK Listing Rule 11.7.8R, ensuring transparency in 3i Group’s investment strategies and compliance with regulatory standards, which may reassure stakeholders about the company’s adherence to investment guidelines.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Business Operations and Strategy
3i Group Directors Acquire Shares Under Incentive Plan
Neutral
Jun 30, 2025

3i Group plc announced that its directors and persons discharging managerial responsibilities (PDMRs) have acquired beneficial interests in ordinary shares of the company as part of the 3i Group Share Incentive Plan. These transactions, which involve both purchased Partnership Shares and awarded Matching Shares, were completed outside a trading venue and reflect the company’s ongoing commitment to aligning management interests with shareholder value.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Regulatory Filings and Compliance
3i Group Updates Total Voting Rights Post Share Allotment
Neutral
Jun 30, 2025

3i Group plc announced an update regarding its total voting rights following the allotment of shares under its Share Incentive Plan. As of June 30, 2025, the company has 973,403,742 issued ordinary shares, each granting one vote at general meetings. This information is crucial for shareholders and others with notification obligations to determine their interest in the company under the FCA’s rules.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
3i Group Grants Performance Share Awards to Key Directors
Positive
Jun 27, 2025

3i Group plc has announced the granting of Performance Share Awards to its directors and persons discharging managerial responsibilities under the 3i Group Discretionary Share Plan 2020. The awards, which are subject to performance conditions, involve a significant number of shares and reflect the company’s commitment to aligning management interests with shareholder value. This move is likely to enhance the company’s operational focus and strengthen its market positioning by incentivizing key personnel.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Other
3i Group CEO Adjusts Shareholdings with Charitable Gift
Neutral
Jun 27, 2025

3i Group plc, a prominent investment company, announced changes in the shareholdings of its Chief Executive, Simon Borrows. On June 25, 2025, Borrows acquired 324,230 ordinary shares at no cost through a share award. Subsequently, on June 26, 2025, Borrows transferred 10,000 shares as a gift to The Borrows Charitable Trust, where he and his wife are trustees. These transactions were conducted outside a trading venue, reflecting internal adjustments and philanthropic commitments by the company’s leadership.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Executive/Board ChangesShareholder MeetingsDividends
3i Group plc Approves Key Resolutions at 2025 AGM
Positive
Jun 26, 2025

At the 2025 Annual General Meeting of 3i Group plc, all proposed resolutions were passed, including the approval of the company’s accounts, directors’ remuneration report, and a declared dividend of 42.5p per share. The reappointment of several directors and the appointment of KPMG LLP as the company’s auditor were also confirmed. These decisions reflect the company’s stable governance and commitment to maintaining shareholder value, potentially strengthening its position in the financial industry.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Shareholder MeetingsRegulatory Filings and Compliance
3i Group plc Approves All AGM Resolutions, Including Special Business
Neutral
Jun 26, 2025

3i Group plc, a leading investment company, announced that all resolutions proposed at its Annual General Meeting on June 26, 2025, have been approved. This includes special business resolutions 16 to 21, which have been submitted to the National Storage Mechanism for public inspection, reflecting the company’s compliance with regulatory requirements.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

M&A TransactionsBusiness Operations and StrategyFinancial Disclosures
3i Group Reports Strong Portfolio Performance and Successful Asset Sale
Positive
Jun 26, 2025

3i Group plc announced during its Annual General Meeting that its portfolio company, Action, continues to perform strongly with a 6.9% year-to-date sales growth and is on track with its expansion plans, including 111 new store openings. Additionally, 3i reported the successful sale of MPM, yielding an estimated £400 million, representing a 3.2x return on invested capital and an IRR of 29%, indicating robust performance across its Private Equity portfolio.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Business Operations and Strategy
3i Group Announces Vesting and Sale of Share Awards
Neutral
Jun 9, 2025

3i Group plc announced that share awards under its Discretionary Share Plan vested for certain managerial personnel, with some shares subsequently sold on the London Stock Exchange. This event reflects the company’s ongoing commitment to aligning management incentives with shareholder interests, potentially impacting the company’s stock liquidity and market perception.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
3i Group Announces Vesting of Share Awards and Transactions
Neutral
Jun 4, 2025

3i Group plc announced the vesting of share awards under its Deferred Bonus Plan 2020, with several directors and persons discharging managerial responsibilities acquiring shares. Some shares were subsequently sold on the London Stock Exchange. Additionally, cash-settled awards became payable, and further shares were acquired under the 3i Special Share Award Plan. These transactions reflect the company’s ongoing commitment to rewarding its key personnel and aligning their interests with shareholder value.

The most recent analyst rating on (GB:III) stock is a Hold with a £3192.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
3i Group Announces Share Awards for Key Personnel
Positive
Jun 2, 2025

3i Group plc has announced the granting of share awards to its directors and persons discharging managerial responsibilities (PDMRs) under various share plans. These awards, which include both restricted and performance share awards, are part of the company’s Deferred Bonus Plan 2020 and Discretionary Share Plan 2020. The awards are aimed at incentivizing and retaining key personnel within the company. The announcement reflects 3i Group’s ongoing commitment to aligning the interests of its management with those of its shareholders, potentially impacting the company’s operational strategies and market positioning.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Regulatory Filings and Compliance
3i Group Updates Total Voting Rights After Share Allotment
Neutral
May 30, 2025

3i Group plc has announced an update regarding its total voting rights following an allotment of shares under its Share Incentive Plan. The company now has 973,401,741 issued ordinary shares, each carrying one vote at general meetings. This update is significant for shareholders and others with notification obligations as it affects the calculations for notifying changes in their interest in the company, in accordance with the FCA’s Disclosure Guidance and Transparency Rules.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
3i Group Executives Acquire Shares Under Incentive Plan
Neutral
May 30, 2025

3i Group plc announced that its directors and persons discharging managerial responsibilities have acquired beneficial interests in ordinary shares as part of the company’s Share Incentive Plan. The transactions, which involved the purchase of Partnership Shares and the awarding of Matching Shares, were conducted outside a trading venue, reflecting the company’s ongoing commitment to aligning management interests with shareholder value.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Regulatory Filings and Compliance
3i Group plc Submits 2025 Annual Report to National Storage Mechanism
Positive
May 22, 2025

3i Group plc has announced the submission of its 2025 Annual Report and Accounts to the National Storage Mechanism, ensuring compliance with UK Listing and Transparency rules. This move underscores the company’s commitment to transparency and regulatory adherence, potentially reinforcing stakeholder confidence and solidifying its industry standing.

The most recent analyst rating on (GB:III) stock is a Buy with a £4069.00 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

Business Operations and StrategyFinancial Disclosures
3i Group Reports Robust Financial Growth Amid Challenging Economic Climate
Positive
May 15, 2025

3i Group plc reported strong financial results for the year ending March 31, 2025, with a total return of £5,049 million, representing a 25% return on opening shareholders’ funds. The company’s Private Equity business was a significant contributor, driven by the robust performance of its long-term hold assets, Action and Royal Sanders. Despite a challenging macroeconomic environment, 3i Group demonstrated resilience and strategic growth through selective investments and realisations, maintaining its track record of delivering strong shareholder returns.

The most recent analyst rating on (GB:III) stock is a Buy with a £44.10 price target. To see the full list of analyst forecasts on 3i Group plc stock, see the GB:III Stock Forecast page.

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.Date of analysis: Sep 24, 2025