Tern plc AI Stock Analysis
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Tern plc (TERN) AI Stock Analysis
Tern plc
(LSE:TERN)
The overall score is deeply constrained by the company's fundamental financial weakness, including persistent losses and negative cash flows, which are the most significant factors. The negative P/E ratio further underscores the lack of earnings. Technical indicators are neutral and do not provide a counterbalance to the poor financial health. The low-debt balance sheet offers a minor cushion but is insufficient to offset the high-risk profile.
Tern plc (TERN) vs. iShares MSCI United Kingdom ETF (EWC)
- Market Cap
- GBP 7.70M
- Dividend Yield
- ―
- Average Volume (3M)
- 2.63M
- Price to Earnings (P/E)
- -1.2
- Beta (1Y)
- -0.15
- Revenue Growth
- 330.50%
- EPS Growth
- -102.94%
- Country
- UK
- Employees
- 6
- Sector
- Financial
- Sector Strength
- 68
- Industry
- Asset Management
Tern plc Business Overview & Revenue Model
Company Description
Tern Plc is a venture capital firm specializing in early-stage and growth capital investment. The firm typically invests in the software companies having IoT security, Artificial Intelligence ("AI"), Machine Learning ("ML"), Virtual/Augmented Reality...
How the Company Makes Money
Tern plc primarily makes money through investment returns from its portfolio companies. Its potential revenue and value realisation typically come from: (1) gains on disposals of equity stakes when portfolio companies are sold, merge, or list publicl...
Tern plc Financial Statement Overview
Summary
Severe and persistent unprofitability with net losses dwarfing minimal revenue. Negative operating cash flow indicates ongoing cash burn. Mitigating factors include a low-debt balance sheet and a modest uptick in revenue, but the overall financial health is critically weak.
Income Statement
12Very NegativeBalance Sheet
28NegativeCash Flow
18Very Negative| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 69.00K | 54.00K | 17.40K | 199.23K | -8.34M | 6.10M |
| Gross Profit | 65.00K | 54.00K | 17.40K | 199.23K | 66.01K | 63.78K |
| EBITDA | -4.51M | -5.09M | 0 | 0 | -8.42M | 0 |
| Net Income | -4.51M | -5.09M | -3.77M | -12.61M | -10.45M | 4.58M |
Balance Sheet | ||||||
| Total Assets | 8.01M | 7.49M | 11.31M | 13.15M | 25.18M | 32.76M |
| Cash, Cash Equivalents and Short-Term Investments | 95.00K | 49.38K | 382.21K | 297.56K | 931.76K | 1.96M |
| Total Debt | 148.00K | 181.93K | 161.11K | 418.20K | 0 | 0 |
| Total Liabilities | 585.00K | 607.41K | 597.62K | 848.44K | 325.00K | 342.06K |
| Stockholders Equity | 7.42M | 6.88M | 10.71M | 12.30M | 24.85M | 32.42M |
Cash Flow | ||||||
| Free Cash Flow | -1.17M | -1.12M | -1.57M | -1.22M | -2.20M | -1.48M |
| Operating Cash Flow | -1.17M | -1.12M | -1.57M | -1.22M | -2.20M | -1.48M |
| Investing Cash Flow | -355.90K | -453.90K | -406.39K | 151.92K | -1.63M | -2.50M |
| Financing Cash Flow | 1.55M | 1.24M | 1.65M | 431.54K | 2.80M | 3.81M |
Tern plc Technical Analysis
Price Trends
Market Momentum
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:TERN, the sentiment is Negative. The current price of 0.80 is below the 20-day moving average (MA) of 0.92, below the 50-day MA of 0.92, and below the 200-day MA of 0.89, indicating a bearish trend. The MACD of -0.03 indicates Positive momentum. The RSI at 35.71 is Neutral, neither overbought nor oversold. The STOCH value of 40.56 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:TERN.
Tern plc Peers Comparison
Overall Rating
GB:NET77Outperform
GB:DSG58.1Neutral
GB:TIDE50Neutral
GB:GETB49Neutral- GB:TERN41Neutral
GB:RDT39Underperform
Financial Indicators
| Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
| GB:NET | 77Outperform | GBP 238.84M | 147.85 | 3.23% | 0.68% | 20.24% | -62.04% |
| Sector * | 68Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% |
| GB:DSG | 58Neutral | GBP 7.40M | -6.92 | -18.80% | ― | -14.79% | -1833.33% |
| GB:TIDE | 50Neutral | GBP 6.41M | 23.70 | 4.92% | ― | ― | ― |
| GB:GETB | 49Neutral | GBP 38.53M | -30.57 | 34.82% | ― | 6.07% | -851.52% |
| GB:TERN | 41Neutral | GBP 7.70M | -1.16 | -63.09% | ― | 330.50% | -102.94% |
| GB:RDT | 39Underperform | GBP 1.18M | -0.23 | 480.99% | ― | -1.56% | 55.81% |
* Financial Sector Average
Performance Comparison
| Show on chart | Ticker | Company Name | Price | Change | % Change |
|---|---|---|---|---|---|
| GB:TERN | Tern plc | 0.80 | 0.36 | 80.18% | |
| GB:TIDE | Crimson Tide | 100.00 | 34.00 | 51.52% | |
| GB:DSG | Dillistone Group plc | 18.00 | 8.50 | 89.47% | |
| GB:NET | Netcall plc | 137.50 | 15.54 | 12.74% | |
| GB:RDT | Rosslyn Data Technologies | 1.00 | -2.35 | -70.15% | |
| GB:GETB | Getbusy Plc | 75.50 | -1.00 | -1.31% |
Tern plc Corporate Events
Tern Plc Settles SVV2 Liabilities to Refocus on Core IoT Portfolio
PositiveTern Plc has reached a settlement with the General Partner of Sure Valley Ventures Enterprise Capital Fund LP, ending all claims and potential liabilities linked to its former participation in the SVV2 fund. The company has paid £73,740 under the agr...
Tern plc Confirms Total Voting Rights and Share Capital
PositiveTern plc has confirmed that its issued ordinary share capital now comprises 962,140,161 ordinary shares, each carrying one voting right, and that it holds no shares in treasury. This updated total voting rights figure provides shareholders and potent...
Tern Plc narrows losses and strengthens balance sheet as portfolio adjusts to tough tech markets
PositiveTern Plc reported unaudited interim results for the six months to 30 June 2026, highlighting disciplined financial management and selective investment amid a challenging funding environment for early-stage technology firms. Net assets rose to £7.4 mi...
Tern raises £0.5m after 90% take-up of underwritten open offer
PositiveTern plc has reported strong investor support for its underwritten open offer, with qualifying shareholders subscribing for approximately 90% of the 56,596,480 new shares available. The remaining shares will be taken up by underwriter CMC Markets UK...
Tern-backed Talking Medicines launches AI tool linking message resonance to prescribing intent
PositiveTalking Medicines, in which Tern plc holds a 23.8% equity stake, has launched an Intent to Prescribe application within its DrugVoice platform, supported by new partnerships with point-of-care data providers. The tool combines the proprietary Message...
Tern plc launches underwritten open offer to fund patient exit strategy
NeutralTern plc has launched an underwritten open offer to raise about £509,368 via the issue of 56,596,480 new shares at 0.90p, a 25% discount to the recent market price. All qualifying shareholders can subscribe on a 1-for-16 basis, with CMC Markets UK Pl...
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 13, 2026