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Manx Financial (MFX) AI Stock Analysis
Manx Financial
(LSE:MFX)
The score is supported primarily by attractive valuation (low P/E and high dividend yield). This is offset by mixed fundamentals—strong revenue growth but weaker 2025 profitability and especially volatile cash flow—and by bearish technicals with the price below major moving averages and negative MACD (despite oversold RSI).
Manx Financial (MFX) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 25.62M
- Dividend Yield
- 5.84%
- Average Volume (3M)
- 50.06K
- Price to Earnings (P/E)
- 4.6
- Beta (1Y)
- 0.73
- Revenue Growth
- 4.48%
- EPS Growth
- -44.25%
- Country
- UK
- Employees
- 181
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Banks - Regional
Manx Financial Business Overview & Revenue Model
Company Description
Manx Financial Group PLC, headquartered in Douglas, Isle of Man, offers a diverse array of financial services throughout the Isle of Man, the United Kingdom, and the Channel Islands. Established in 1935, and previously known as Conister Financial Gro...
How the Company Makes Money
Manx Financial primarily makes money through its banking and lending operations. The core revenue stream is net interest income: the group earns interest on loans and credit products it originates (such as consumer and/or business lending via Coniste...
Manx Financial Financial Statement Overview
Summary
Income statement strength (74) reflects strong multi-year revenue growth, but 2025 showed notable margin compression and lower net income despite higher revenue. The balance sheet (63) is growing with meaningful and rising leverage (debt-to-equity above ~1x), increasing sensitivity to weaker conditions. Cash flow is the key weakness (46) with uneven operating cash flow history and a sharp 2025 free cash flow decline, reducing confidence in earnings quality and internal funding consistency.
Income Statement
74PositiveBalance Sheet
63PositiveCash Flow
46Neutral| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 67.67M | 65.55M | 57.54M | 46.01M | 32.48M | 24.71M |
| Gross Profit | 42.12M | 33.37M | 34.40M | 31.48M | 26.16M | 19.74M |
| EBITDA | 7.88M | 8.78M | 11.22M | 8.55M | 6.80M | 4.45M |
| Net Income | 5.41M | 6.39M | 8.10M | 5.29M | 4.33M | 2.79M |
Balance Sheet | ||||||
| Total Assets | 550.10M | 561.32M | 497.79M | 480.70M | 379.26M | 308.75M |
| Cash, Cash Equivalents and Short-Term Investments | 22.59M | 24.50M | 16.20M | 12.11M | 22.63M | 20.28M |
| Total Debt | 49.86M | 55.10M | 47.08M | 40.67M | 32.95M | 24.97M |
| Total Liabilities | 504.59M | 517.76M | 460.48M | 444.72M | 349.49M | 283.77M |
| Stockholders Equity | 45.48M | 43.55M | 37.26M | 34.94M | 29.58M | 24.93M |
Cash Flow | ||||||
| Free Cash Flow | 10.60M | 1.48M | 4.73M | 2.01M | -4.69M | 316.00K |
| Operating Cash Flow | 11.88M | 2.32M | 6.33M | 5.54M | -2.72M | 2.91M |
| Investing Cash Flow | -45.99M | -46.89M | -2.48M | -111.66M | -2.17M | -17.78M |
| Financing Cash Flow | 32.42M | 52.67M | 244.00K | 95.60M | 7.24M | 1.10M |
Manx Financial Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:MFX, the sentiment is Negative. The current price of 20.50 is below the 20-day moving average (MA) of 21.75, below the 50-day MA of 23.22, and below the 200-day MA of 24.33, indicating a bearish trend. The MACD of -0.79 indicates Positive momentum. The RSI at 8.24 is Positive, neither overbought nor oversold. The STOCH value of 25.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:MFX.
Manx Financial Peers Comparison
Overall Rating
GB:ARBB75Outperform
GB:DFCH74Outperform- GB:MFX65Neutral
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| GB:ARBB | 75Outperform | GBP 132.73M | 7.01 | 6.84% | 6.71% | -6.35% | 16.23% |
| GB:DFCH | 74Outperform | GBP 117.08M | 6.35 | 13.97% | ― | 22.63% | 33.09% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| GB:MFX | 65Neutral | GBP 25.62M | 4.64 | 12.15% | 5.84% | 4.48% | -44.25% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:MFX | Manx Financial | 20.50 | -5.69 | -21.73% | |
| GB:ARBB | Arbuthnot Banking | 820.00 | -27.48 | -3.24% | |
| GB:ECP | Eight Capital Partners | 37.50 | -33.50 | -47.18% | |
| GB:BANK | Immedia Group plc | 2.25 | -7.50 | -76.92% | |
| GB:ZOYO | Honye Financial Services Ltd | 35.00 | 10.00 | 40.00% | |
| GB:DFCH | Distribution Finance Capital Holdings Plc | 71.00 | 18.00 | 33.96% |
Manx Financial Corporate Events
Manx Financial Grants Long-Term RSU Awards to Senior Management
PositiveManx Financial Group PLC has approved the grant of 929,792 Restricted Stock Units to selected executives and senior management under its 2022 RSU plan. The awards, decided independently by the Remuneration Committee, are designed to retain and incent...
Manx Financial posts resilient H1 results as loan book hits record and AI investment ramps up
PositiveManx Financial Group reported unaudited interim results for the six months to 30 June 2026 that showed operating income rising to £19.7 million and the loan book reaching a record £422.9 million. Profit before tax fell to £3.4 million...
Manx Financial merges UK finance units into Triskel Finance to boost earnings
PositiveManx Financial Group PLC has begun merging three UK finance subsidiaries of Manx Ventures Limited—The Business Lending Exchange Limited, Manx Collections Limited and Blue Star Business Solutions Limited—into a single entity that will trad...
Manx Financial clarifies director stakes after share issues
NeutralManx Financial Group PLC has updated the market on director and PDMR shareholdings following the recent scrip dividend and bonus issue. After issuing 591,740 new ordinary shares under the scrip dividend and 1,439,301 additional shares via the bonus i...
Manx Financial lifts lending, expands fintech offering in H1 2026
PositiveManx Financial Group reported strong operational momentum in the first half of 2026, driven by disciplined lending growth at Conister Bank, expanding volumes and partnerships at Payment Assist, and steady progress at Manx Ventures. Conister Bank incr...
Manx Financial boosts share capital with scrip dividend and bonus issue
PositiveManx Financial Group has issued 591,740 new ordinary shares under its scrip dividend alternative and 1,439,301 new bonus shares to qualifying shareholders, all to be admitted to trading on AIM on 20 August 2026. The new shares will rank pari passu wi...
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: Oct 11, 2026