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Manx Financial (GB:MFX)
:MFX
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Manx Financial (MFX) AI Stock Analysis

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GB:MFX

Manx Financial

(LSE:MFX)

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Outperform 73 (OpenAI - 4o)
Rating:73Outperform
Price Target:
30.00p
▲(13.21% Upside)
Manx Financial's strong financial performance and attractive valuation are the primary drivers of its score. Technical indicators suggest caution due to bearish momentum, but the stock's low P/E ratio and solid dividend yield offer potential value.

Manx Financial (MFX) vs. iShares MSCI United Kingdom ETF (EWC)

Manx Financial Business Overview & Revenue Model

Company DescriptionManx Financial (MFX) is a financial services company based in the Isle of Man, primarily focused on providing a range of financing solutions and services tailored to meet the needs of individuals and businesses. The company operates in several sectors, including personal finance, commercial lending, and asset management, offering products such as loans, credit facilities, and investment management services. With a commitment to leveraging technology and innovative practices, MFX aims to enhance customer experience and streamline financial transactions.
How the Company Makes MoneyManx Financial generates revenue through multiple streams, primarily by offering interest-bearing loans and credit facilities to both individuals and businesses. The company charges interest on the loans it provides, which constitutes a significant portion of its income. Additionally, MFX earns revenue from fees associated with its financial products, such as origination fees, service fees, and late payment penalties. The company may also generate income through its asset management services by charging management fees on the assets it manages for clients. Strategic partnerships with local banks and financial institutions further enhance its outreach and ability to offer competitive financing options, contributing to its overall earnings.

Manx Financial Financial Statement Overview

Summary
Manx Financial exhibits strong financial performance with significant revenue and profit growth, solid margins, and improved cash flows. However, moderate leverage and the need for better cash conversion are areas to watch.
Income Statement
85
Very Positive
The income statement shows robust growth with a significant revenue increase from last year, indicating strong business performance. Gross Profit Margin stands at 59.8%, and Net Profit Margin is 14.1%, highlighting efficient cost management. The EBIT Margin of 17.3% and EBITDA Margin of 19.5% suggest solid operational efficiency, though slightly less than the previous year.
Balance Sheet
70
Positive
The balance sheet displays a stable financial structure with a Debt-to-Equity Ratio of 1.26, which is manageable but indicates moderate leverage. Return on Equity is strong at 21.7%, demonstrating effective use of equity to generate profits. The Equity Ratio of 7.5% suggests limited equity relative to total assets, which is common in the banking sector but could pose risks if liabilities grow disproportionately.
Cash Flow
75
Positive
Cash flow analysis reveals positive trends with a Free Cash Flow Growth Rate of 135%, indicating improved cash generation. The Operating Cash Flow to Net Income Ratio of 0.78 suggests that operating cash flow is closely aligned with profitability. Free Cash Flow to Net Income Ratio of 0.58 indicates a strong ability to convert income into cash, though there is room for improvement.
BreakdownTTMDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue64.77M57.54M46.01M32.48M24.71M22.45M
Gross Profit0.0034.40M31.48M26.16M19.74M17.23M
EBITDA10.36M11.22M8.55M6.53M4.45M3.29M
Net Income9.42M8.10M5.29M4.33M2.79M1.94M
Balance Sheet
Total Assets507.31M497.79M480.70M379.26M308.75M267.96M
Cash, Cash Equivalents and Short-Term Investments0.0016.20M12.11M22.63M20.28M34.05M
Total Debt46.92M47.08M40.67M32.95M24.97M22.73M
Total Liabilities466.11M460.48M444.72M349.49M283.77M245.53M
Stockholders Equity41.17M37.26M34.94M29.58M24.93M22.35M
Cash Flow
Free Cash Flow8.75M4.73M2.01M-4.69M316.00K-5.63M
Operating Cash Flow8.98M6.33M5.54M-2.72M2.91M-4.21M
Investing Cash Flow-7.24M-2.48M-111.66M-2.17M-17.78M19.21M
Financing Cash Flow3.88M244.00K95.60M7.24M1.10M4.44M

Manx Financial Technical Analysis

Technical Analysis Sentiment
Positive
Last Price26.50
Price Trends
50DMA
30.28
Negative
100DMA
28.11
Negative
200DMA
21.86
Positive
Market Momentum
MACD
-1.14
Negative
RSI
48.84
Neutral
STOCH
75.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MFX, the sentiment is Positive. The current price of 26.5 is above the 20-day moving average (MA) of 26.32, below the 50-day MA of 30.28, and above the 200-day MA of 21.86, indicating a neutral trend. The MACD of -1.14 indicates Negative momentum. The RSI at 48.84 is Neutral, neither overbought nor oversold. The STOCH value of 75.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:MFX.

Manx Financial Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
£32.32M3.4124.08%2.51%7.71%58.84%
£147.70M9.116.22%5.59%1.68%-46.69%
£102.30M15.4319.91%5.55%20.68%44.23%
£785.05M7.409.14%-29.12%964.19%
$18.00B11.429.92%3.81%9.73%1.22%
£289.15M-16.30%-3.77%-147.20%
£179.68M7.676.47%2.93%9.09%-9.36%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:MFX
Manx Financial
27.00
12.87
91.08%
GB:ARBB
Arbuthnot Banking
912.50
43.69
5.03%
GB:MTRO
Metro Bank
117.00
40.90
53.75%
GB:PGH
Personal Group Holdings
328.00
150.14
84.41%
GB:VANQ
Vanquis Banking Group
114.00
72.20
172.73%
GB:STB
Secure Trust Bank
974.00
503.22
106.89%

Manx Financial Corporate Events

Dividends
Manx Financial Group Offers Flexible Dividend Options to Shareholders
Positive
Oct 17, 2025

Manx Financial Group PLC has announced a dividend of 0.6768 pence per Ordinary Share, which shareholders can opt to receive in cash or new shares. The share price for the dividend has been set at 26.349 pence per share, determined by the lowest daily Volume Weighted Average Price over the twenty days leading up to the ex-dividend date, with a cap at a 20% discount. This announcement is significant as it provides shareholders with flexible dividend options, potentially impacting the company’s shareholder engagement and market positioning.

The most recent analyst rating on (GB:MFX) stock is a Buy with a £35.00 price target. To see the full list of analyst forecasts on Manx Financial stock, see the GB:MFX Stock Forecast page.

Business Operations and StrategyProduct-Related Announcements
Manx Financial Extends Consultancy to Boost International Growth
Positive
Oct 6, 2025

Manx Financial Group PLC has extended its consultancy agreement with Neil Jeffery, a consultant for its subsidiary Payment Assist Limited, until August 2030. This move is aimed at supporting Payment Assist’s international expansion of ‘Buy-Now-Pay-Later’ products into Ireland, mainland Europe, and the Middle East. The agreement, valued at up to £6 million, is expected to provide long-term stability and growth opportunities for Payment Assist, leveraging Mr. Jeffery’s industry expertise and connections. The company anticipates a significant increase in annual advances, driven by Mr. Jeffery’s leadership and strategic initiatives.

The most recent analyst rating on (GB:MFX) stock is a Buy with a £35.00 price target. To see the full list of analyst forecasts on Manx Financial stock, see the GB:MFX Stock Forecast page.

Business Operations and StrategyFinancial Disclosures
Manx Financial Group Releases 2025 Interim Results
Neutral
Oct 3, 2025

Manx Financial Group PLC has published its unaudited interim results for the first half of 2025, highlighting the company’s financial performance, operational highlights, and strategic developments. This announcement allows shareholders and interested parties to access detailed insights into the company’s operations and future direction, potentially impacting stakeholders’ perspectives on the company’s market positioning.

The most recent analyst rating on (GB:MFX) stock is a Buy with a £35.00 price target. To see the full list of analyst forecasts on Manx Financial stock, see the GB:MFX Stock Forecast page.

Private Placements and Financing
Manx Financial Group Extends £2.0 Million Loan Agreements to Support Regulatory Capital
Neutral
Sep 30, 2025

Manx Financial Group PLC has extended two unsecured loan agreements totaling £2.0 million for an additional five years to support Conister Bank Limited’s regulatory capital requirements. The loans, originally issued in 2020, have been renewed with an increased annual interest rate of 8%. These transactions, involving directors connected to the lending parties, were deemed fair and reasonable by independent directors, ensuring the preservation of regulatory capital funding and considering the practicality of alternative financing options.

The most recent analyst rating on (GB:MFX) stock is a Buy with a £35.00 price target. To see the full list of analyst forecasts on Manx Financial stock, see the GB:MFX Stock Forecast page.

Business Operations and StrategyPrivate Placements and Financing
Manx Financial Group Enhances Lending Strategy with Fiinu Loan Agreement
Positive
Sep 22, 2025

Manx Financial Group PLC, through its subsidiary Conister Bank Limited, has entered into a £2 million convertible loan note agreement with Fiinu plc, a technology platform provider. This strategic move is part of the Group’s efforts to enhance its lending technology and potentially generate returns beyond debt interest. The funds will support Fiinu’s general working capital, and the agreement allows for conversion into Fiinu shares, offering potential equity benefits.

The most recent analyst rating on (GB:MFX) stock is a Buy with a £36.00 price target. To see the full list of analyst forecasts on Manx Financial stock, see the GB:MFX Stock Forecast page.

Business Operations and StrategyFinancial Disclosures
Manx Financial Group Reports Strong Interim Results Amid Economic Challenges
Positive
Sep 22, 2025

Manx Financial Group PLC reported a 16% increase in Profit Before Tax to £4.1 million for the first half of 2025, despite challenging economic conditions. The company achieved record profits and loan book growth, with strategic initiatives focused on growth, simplification, and technological enhancement. The group’s balance sheet showed increased loan book and improved liquidity, while efforts to enhance investor engagement and expand product offerings continue. The company plans cautious expansion into the EU and aims to capitalize on growth opportunities in short-term lending sectors.

The most recent analyst rating on (GB:MFX) stock is a Buy with a £36.00 price target. To see the full list of analyst forecasts on Manx Financial stock, see the GB:MFX Stock Forecast page.

Business Operations and StrategyProduct-Related Announcements
Manx Financial Group Unveils Redesigned Website to Enhance Shareholder Engagement
Positive
Sep 17, 2025

Manx Financial Group PLC has launched a redesigned website to enhance user experience and improve navigation for its shareholders. This update underscores the company’s dedication to maintaining transparency and fostering stronger connections with its investors. Stakeholders are encouraged to re-register for news updates to ensure continuous access to company information.

The most recent analyst rating on (GB:MFX) stock is a Buy with a £36.00 price target. To see the full list of analyst forecasts on Manx Financial stock, see the GB:MFX Stock Forecast page.

Financial Disclosures
Manx Financial Group Projects 16% Profit Increase for H1 2025
Positive
Sep 16, 2025

Manx Financial Group PLC has announced an anticipated 16% increase in its consolidated Profit Before Taxation for the first half of 2025, reaching approximately £4.1 million compared to £3.5 million in the same period in 2024. This positive financial outlook highlights the company’s strong performance and potential growth in the financial services sector, signaling a promising impact on its operations and market positioning.

The most recent analyst rating on (GB:MFX) stock is a Buy with a £36.00 price target. To see the full list of analyst forecasts on Manx Financial stock, see the GB:MFX Stock Forecast page.

Executive/Board ChangesDividendsShareholder Meetings
Manx Financial Group Announces AGM Results and Dividend Declaration
Positive
Sep 16, 2025

Manx Financial Group PLC announced the successful passing of all resolutions at its Annual General Meeting, including the retirement of Alan Clarke, a Non-Executive Director and Chairman of key committees. The company declared a dividend of 0.6768 pence per Ordinary Share, representing 10% of the profit after tax, to be paid on 20 November 2025. Additionally, a Scrip Dividend Scheme is offered, allowing shareholders to receive new shares instead of cash. This move is expected to enhance shareholder value and provide flexibility in dividend payments, potentially impacting the company’s market positioning positively.

The most recent analyst rating on (GB:MFX) stock is a Buy with a £36.00 price target. To see the full list of analyst forecasts on Manx Financial stock, see the GB:MFX Stock Forecast page.

Business Operations and StrategyProduct-Related Announcements
Manx Financial’s Conister Bank Partners with Fiinu for Innovative Overdraft Solution
Positive
Sep 16, 2025

Manx Financial Group’s subsidiary, Conister Bank, has entered into an exclusive partnership with Fiinu Plc to introduce an innovative overdraft product in the UK, pending regulatory approval. This strategic collaboration aims to enhance Conister Bank’s short-term lending offerings and reflects its commitment to customer-driven products. The partnership is expected to strengthen the bank’s position as a specialist lender in the UK and Isle of Man, addressing market needs overlooked by mainstream banks.

The most recent analyst rating on (GB:MFX) stock is a Buy with a £36.00 price target. To see the full list of analyst forecasts on Manx Financial stock, see the GB:MFX Stock Forecast page.

Regulatory Filings and ComplianceShareholder Meetings
Manx Financial Group PLC Announces 2025 AGM Details
Neutral
Aug 20, 2025

Manx Financial Group PLC has announced the date for its 2025 Annual General Meeting, which will take place on September 16, 2025, at The Claremont Hotel in Douglas, Isle of Man. Shareholders have been sent the notice of the AGM, proxy forms, and the Statutory Accounts for the year ending December 31, 2024. These documents are also available on the company’s website. This announcement is significant as it contains inside information now made public, aligning with regulatory requirements.

The most recent analyst rating on (GB:MFX) stock is a Buy with a £36.00 price target. To see the full list of analyst forecasts on Manx Financial stock, see the GB:MFX 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: Nov 02, 2025