Manx Financial Group PLC (GB:MFX)
LSE:MFX
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Manx Financial
(LSE:MFX)
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Rating:63Neutral
Price Target:
27.00 p
▼(-1.82% Downside)
Action:Downgraded
Date:05/21/26
The score is driven primarily by mixed fundamentals: strong revenue growth but weaker 2025 margins/earnings and notably volatile cash flow. Extremely low valuation (very low P/E plus a dividend) is a major positive offset. Technicals are a headwind, with the stock below key moving averages and weak momentum readings.
Positive Factors
Consistent Revenue Growth
Sustained top-line expansion across 2023–2025 indicates durable customer demand and successful loan origination/renewal activity. Persistent revenue momentum supports scale benefits, underwriting depth and the ability to invest in systems or niche product lines without relying solely on volatile markets.
Negative Factors
Variable Cash Generation
Irregular and declining free cash flow reduces the group's ability to fund asset growth, pay steady dividends or invest in operations from internally generated funds. Over months this forces greater reliance on external funding or asset sales, increasing refinancing risk and constraining strategic investments.
Read all positive and negative factors
Positive Factors
Negative Factors
Consistent Revenue Growth
Sustained top-line expansion across 2023–2025 indicates durable customer demand and successful loan origination/renewal activity. Persistent revenue momentum supports scale benefits, underwriting depth and the ability to invest in systems or niche product lines without relying solely on volatile markets.
Read all positive factors
Manx Financial (MFX) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£28.89M
Dividend Yield2.42%
Average Volume (3M)82.17K
Price to Earnings (P/E)4.4
Beta (1Y)0.88
Revenue Growth1.47%
EPS Growth-22.42%
CountryUK
Employees177
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)0.05
Shares Outstanding122,950,730
10 Day Avg. Volume95,344
30 Day Avg. Volume82,170
Financial Highlights & Ratios
PEG Ratio-0.23
Price to Book (P/B)0.77
Price to Sales (P/S)0.51
P/FCF Ratio22.68
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)N/A
Revenue Forecast (FY)N/A
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 ...
How the Company Makes Money
Manx Financial primarily makes money through (1) net interest income—earning interest on loans and other interest-bearing assets originated/held by the group (principally via Conister Bank) and paying interest on customer deposits and other fundin...
Manx Financial Financial Statement Overview
Summary
Income Statement
74
Positive
Balance Sheet
63
Positive
Cash Flow
46
Neutral
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 65.55M | 57.54M | 46.01M | 32.48M | 24.71M |
| Gross Profit | 33.37M | 34.40M | 31.48M | 26.16M | 19.74M |
| EBITDA | 8.13M | 11.22M | 8.55M | 6.80M | 4.45M |
| Net Income | 6.39M | 8.10M | 5.29M | 4.33M | 2.79M |
Balance Sheet | |||||
| Total Assets | 561.32M | 497.79M | 480.70M | 379.26M | 308.75M |
| Cash, Cash Equivalents and Short-Term Investments | 24.50M | 16.20M | 12.11M | 22.63M | 20.28M |
| Total Debt | 55.10M | 47.08M | 40.67M | 32.95M | 24.97M |
| Total Liabilities | 517.76M | 460.48M | 444.72M | 349.49M | 283.77M |
| Stockholders Equity | 43.55M | 37.26M | 34.94M | 29.58M | 24.93M |
Cash Flow | |||||
| Free Cash Flow | 1.48M | 4.73M | 2.01M | -4.69M | 316.00K |
| Operating Cash Flow | 2.32M | 6.33M | 5.54M | -2.72M | 2.91M |
| Investing Cash Flow | -46.89M | -2.48M | -111.66M | -2.17M | -17.78M |
| Financing Cash Flow | 52.67M | 244.00K | 95.60M | 7.24M | 1.10M |
Manx Financial Technical Analysis
Negative
27.50
Price Trends
24.82
Negative
25.37
Negative
27.17
Negative
Market Momentum
-0.51
Positive
23.75
Positive
26.03
Neutral
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 27.5 is above the 20-day moving average (MA) of 25.60, above the 50-day MA of 24.82, and above the 200-day MA of 27.17, indicating a bearish trend. The MACD of -0.51 indicates Positive momentum. The RSI at 23.75 is Positive, neither overbought nor oversold. The STOCH value of 26.03 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
UnderperformOutperform
Sector (68)
GB:MFX
Manx Financial
23.50
3.52
17.64%
GB:ARBB
Arbuthnot Banking
840.00
-60.47
-6.72%
GB:ECP
Eight Capital Partners PLC
55.00
2.50
4.76%
GB:BANK
Immedia
6.65
-0.47
-6.60%
GB:ZOYO
Honye Financial Services Ltd
47.50
2.50
5.56%
GB:DFCH
Distribution Finance Capital Holdings Plc
54.50
14.50
36.25%
Manx Financial Corporate Events
Business Operations and StrategyDividendsFinancial Disclosures
Manx Financial grows balance sheet and dividends despite profit dip
Positive
May 18, 2026
Manx Financial Group, a diversified SME-focused banking and financial services provider with operations in the Isle of Man and UK, reported solid balance sheet growth and resilient underlying performance for 2025. The group continues to build valu...
Business Operations and StrategyExecutive/Board Changes
Manx Financial strengthens board with appointment of new audit chair
Positive
Mar 5, 2026
Manx Financial Group has appointed Jennifer Quirke as a non-executive director and chair of its Group Audit, Risk and Compliance Committee, effective immediately. Quirke, a Fellow of the Chartered Institute of Management Accountants, brings extens...
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.