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Ten Lifestyle Group
(LSE:TENG)
Select Model
Select Model
Rating:67Neutral
Price Target:
105.00 p
▲(8.25% Upside)
Action:Reiterated
Date:08/11/26
The score is primarily supported by improving financial performance (better margins and profitability, healthier leverage) and strong technical uptrend (price above key moving averages with positive MACD). This is meaningfully offset by expensive valuation (very high P/E) and some cash-flow risk from volatile and recently weaker free cash flow.
Positive Factors
Enterprise Service Model
Embedding services within premium financial products can support durable client relationships and recurring program demand. The model also combines contracted service fees with usage and transaction income, diversifying revenue sources.
Negative Factors
Slowing Revenue Growth
Slower top-line expansion could limit operating leverage and make future margin improvement harder to achieve. For a platform dependent on enterprise programs, weaker growth may indicate more difficult client wins, lower usage, or slower expansion.
Read all positive and negative factors
Positive Factors
Negative Factors
Enterprise Service Model
Embedding services within premium financial products can support durable client relationships and recurring program demand. The model also combines contracted service fees with usage and transaction income, diversifying revenue sources.
Read all positive factors
Ten Lifestyle Group (TENG) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£97.75M
Dividend YieldN/A
Average Volume (3M)183.00K
Price to Earnings (P/E)71.5
Beta (1Y)0.17
Revenue Growth5.07%
EPS Growth-36.68%
CountryUK
Employees1,188
SectorConsumer Cyclical
Sector Strength84
IndustryTravel Services
Share Statistics
EPS (TTM)0.01
Shares Outstanding96,786,180
10 Day Avg. Volume269,177
30 Day Avg. Volume182,996
Financial Highlights & Ratios
PEG Ratio0.21
Price to Book (P/B)2.12
Price to Sales (P/S)0.81
P/FCF Ratio17.97
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)0.07
Revenue Forecast (FY)£78.00M
Ten Lifestyle Group Business Overview & Revenue Model
Company Description
Ten Lifestyle Group Plc provides high-end concierge services to a diverse clientele, including private and retail banking institutions, premium payment card issuers, and affluent individuals. The company's operations span a wide geographical area,...
How the Company Makes Money
Ten Lifestyle Group primarily makes money by providing outsourced, white-label concierge and lifestyle services to enterprise partners (most notably banks, card issuers, and other membership-based brands) under commercial contracts. Revenue is gen...
Ten Lifestyle Group Financial Statement Overview
Summary
Income Statement
75
Positive
Balance Sheet
70
Positive
Cash Flow
65
Positive
| Breakdown | TTM | Aug 2025 | Aug 2024 | Aug 2023 | Aug 2022 | Aug 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 71.51M | 69.61M | 67.26M | 66.66M | 48.65M | 35.06M |
| Gross Profit | 55.71M | 63.57M | 60.95M | 60.97M | 38.06M | 26.73M |
| EBITDA | 13.90M | 12.93M | 11.18M | 2.31M | 3.73M | 1.91M |
| Net Income | 1.39M | 2.40M | 1.02M | 4.55M | -4.32M | -5.77M |
Balance Sheet | ||||||
| Total Assets | 52.31M | 54.83M | 49.16M | 42.86M | 33.24M | 27.18M |
| Cash, Cash Equivalents and Short-Term Investments | 9.28M | 9.72M | 9.27M | 8.23M | 6.58M | 6.66M |
| Total Debt | 8.35M | 9.10M | 11.00M | 6.71M | 6.09M | 3.18M |
| Total Liabilities | 25.26M | 28.15M | 30.82M | 27.70M | 23.40M | 15.24M |
| Stockholders Equity | 27.05M | 26.68M | 18.34M | 15.16M | 9.84M | 11.95M |
Cash Flow | ||||||
| Free Cash Flow | 12.59M | 3.15M | 2.87M | 2.47M | -3.15M | -2.06M |
| Operating Cash Flow | 13.24M | 10.59M | 9.89M | 10.28M | 4.17M | 3.51M |
| Investing Cash Flow | -7.54M | -7.42M | -7.01M | -7.81M | -7.32M | -5.57M |
| Financing Cash Flow | -7.49M | -1.99M | -2.00M | -1.17M | 2.56M | -2.00M |
Ten Lifestyle Group Technical Analysis
Positive
97.00
Price Trends
94.08
Positive
92.49
Positive
81.04
Positive
Market Momentum
2.46
Negative
63.32
Neutral
92.59
Negative
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:TENG, the sentiment is Positive. The current price of 97 is above the 20-day moving average (MA) of 96.75, above the 50-day MA of 94.08, and above the 200-day MA of 81.04, indicating a bullish trend. The MACD of 2.46 indicates Negative momentum. The RSI at 63.32 is Neutral, neither overbought nor oversold. The STOCH value of 92.59 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:TENG.
Ten Lifestyle Group Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | £2.66B | 6.86 | 19.92% | 1.14% | 4.30% | -4.51% | |
67 Neutral | £97.75M | 71.53 | 5.18% | ― | 5.07% | -36.68% | |
64 Neutral | £249.13M | 85.71 | 2.40% | 0.57% | -1.97% | -77.68% | |
64 Neutral | £645.53M | 9.74 | 35.11% | ― | 2.40% | 48.36% | |
62 Neutral | $22.37B | 32.38 | -25.04% | 1.24% | 4.08% | -0.62% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
54 Neutral | £642.61M | 4.16 | 40.35% | 2.55% | 5.33% | 602.34% |
* Consumer Cyclical Sector Average
GB:TENG
Ten Lifestyle Group
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45.50
79.13%
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Ten Lifestyle Group Corporate Events
Business Operations and StrategyExecutive/Board Changes
Ten Lifestyle Group strengthens board with tech-focused non-executive appointment
Positive
Aug 18, 2026
Ten Lifestyle Group, a leading customer experience and loyalty platform serving financial institutions and premium brands, leverages proprietary technology, extensive supplier relationships and nearly three decades of expertise to provide personal...
Regulatory Filings and Compliance
Ten Lifestyle Group Confirms Total Voting Rights at 96.8 Million Shares
Neutral
Aug 5, 2026
Ten Lifestyle Group plc, the AIM-listed concierge and lifestyle services provider, reported that its issued share capital comprised 96,781,179 Ordinary Shares of 0.1 pence each as of 31 July 2026. The figure defines the current total voting rights...
Business Operations and Strategy
Ten Lifestyle Group seals AEG Presents deal to boost premium live entertainment access
Positive
Jul 30, 2026
Ten Lifestyle Group plc has expanded its entertainment proposition through a new partnership with select AEG Presents venues and events in the U.K., including Indigo at The O2, Watford Colosseum, University of Wolverhampton at The Halls and the C2...
Regulatory Filings and Compliance
Ten Lifestyle Group Confirms Updated Share Capital and Voting Rights
Neutral
Jul 1, 2026
Ten Lifestyle Group plc, a B Corp-certified concierge and lifestyle services specialist serving affluent customers through partnerships with financial institutions and premium brands, operates a technology-enabled platform spanning travel, dining,...
Business Operations and StrategyRegulatory Filings and Compliance
Ten Lifestyle Group Reports Lapse of COVID-Era Salary Sacrifice Options
Neutral
Jun 19, 2026
Ten Lifestyle Group plc has confirmed that the extended exercise period for options granted under the remaining tranches of its 2020 Salary Sacrifice Schemes, introduced in response to the financial effects of COVID-19, expired on 24 March 2026, r...
Regulatory Filings and Compliance
Ten Lifestyle Group Updates Market on Total Voting Rights and Share Capital
Neutral
Jun 3, 2026
Ten Lifestyle Group plc has confirmed that, as of 31 May 2026, it has 96,619,726 ordinary shares of 0.1 pence each in issue, establishing the current total voting rights and share capital for investors. This share count serves as the reference fig...
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.