Fintech Select Ltd (FTEC) AI Stock Analysis

38 Followers

Fintech Select Ltd

(TSXV:FTEC)

Select Model

Rating:47Neutral

Price Target:CAD 0.03▲(20.00% Upside)

Action:upgraded

Date:10/21/26

The score is held down primarily by weak financial performance (losses, negative free cash flow, and structurally negative equity), partially offset by moderately constructive technicals (price above key shorter-term averages and RSI in the mid-60s). Valuation remains constrained because the company is currently loss-making (negative P/E) and no dividend yield is available.

Positive Factors

Debt-Free Balance SheetThe absence of reported debt limits refinancing exposure and interest-burden risk, giving Fintech Select more flexibility than a similarly loss-making company with leverage. This provides some financial resilience while management works to restore profitability and cash generation.

Negative Factors

Persistently Negative Shareholders’ EquityPersistently negative equity signals accumulated deficits or balance-sheet impairment and reduces the company’s financial flexibility. It leaves a smaller capital cushion against operating setbacks, limits resilience to shocks, and may constrain the ability to fund growth without external support.

Fintech Select Ltd (FTEC) vs. iShares MSCI Canada ETF (EWC)

Market Cap: CAD 2.00M
Dividend Yield: ―
Average Volume (3M): 53.62K
Price to Earnings (P/E): -8.6
Beta (1Y): 0.27
Revenue Growth: -3.30%
EPS Growth: 11.76%
Country: Canada
Employees: 51
Sector: General
Sector Strength: 55
Industry: Software - Infrastructure

Fintech Select Ltd Business Overview & Revenue Model

Company Description

Fintech Select Ltd., founded in 1999 and based in Toronto, Canada, delivers a range of financial payment services and solutions throughout Canada. Its operations are structured across three key divisions: Distribution, Call Center, and Financial Serv...

How the Company Makes Money

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Fintech Select Ltd Financial Statement Overview

Summary

Financials are weak and volatile: TTM returned to a net loss with negative operating/net margins and negative operating/free cash flow. The balance sheet is a key risk with persistently negative shareholders’ equity, despite the positive offset of having no reported debt. Revenue rebound and improved gross margin help, but durability of profitability remains unproven.

Income Statement

34Negative

Balance Sheet

28Negative

Cash Flow

32Negative

Financial statement breakdown
Breakdown	TTM	Mar 2026	Mar 2025	Mar 2024	Mar 2023	Mar 2022
Income Statement
Total Revenue	3.06M	2.78M	4.00M	3.82M	2.59M	2.77M
Gross Profit	801.81K	-165.65K	3.77M	3.60M	2.40M	2.53M
EBITDA	-246.70K	-429.88K	507.32K	415.13K	1.34M	42.19K
Net Income	-237.24K	-500.75K	489.75K	329.21K	1.20M	-112.80K
Balance Sheet
Total Assets	721.76K	785.19K	1.01M	555.25K	483.03K	1.22M
Cash, Cash Equivalents and Short-Term Investments	449.02K	607.63K	774.31K	294.68K	147.83K	364.31K
Total Debt	0	0	0	89.16K	535.36K	308.01K
Total Liabilities	1.20M	1.28M	978.28K	1.34M	1.89M	3.91M
Stockholders Equity	-479.75K	-498.39K	35.85K	-786.95K	-1.41M	-2.68M
Cash Flow
Free Cash Flow	-142.92K	-284.50K	176.94K	432.72K	-248.91K	121.83K
Operating Cash Flow	-142.68K	-284.26K	179.85K	434.91K	-243.62K	124.19K
Investing Cash Flow	-245	-245	-2,911	-2,190	-5,294	-2,363
Financing Cash Flow	0	182.00K	-89.16K	-452.96K	212.36K	-87.06K

Fintech Select Ltd Technical Analysis

Technical Analysis SentimentNegative

Last Price0.03

Price Trends

50DMA0.02Negative

100DMA0.03Negative

200DMA0.04Negative

Market Momentum

MACD-0.00Positive

RSI47.12Neutral

STOCH-100.00Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For TSE:FTEC, the sentiment is Negative. The current price of 0.03 is above the 20-day moving average (MA) of 0.02, above the 50-day MA of 0.02, and below the 200-day MA of 0.04, indicating a bearish trend. The MACD of -0.00 indicates Positive momentum. The RSI at 47.12 is Neutral, neither overbought nor oversold. The STOCH value of -100.00 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for TSE:FTEC.

Fintech Select Ltd Peers Comparison

Overall Rating

UnderperformOutperform

Sector (55)

Financial Indicators

TSE:FTEC against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
Sector *	55Neutral	$6.65B	3.83	-15.92%	6.20%	10.91%	7.18%
TSE:FTEC	47Neutral	CAD 2.00M	-8.62	69.66%	―	-3.30%	11.76%
TSE:IP	41Neutral	CAD 1.75M	-0.88	54.16%	―	-100.00%	49.11%
TSE:PKK	37Underperform	CAD 49.94M	-21.59	11.52%	―	3675.64%	98.04%

* General Sector Average

Performance Comparison

TSE:FTEC and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
TSE:FTEC	Fintech Select Ltd	0.03	-0.00	-16.67%
TSE:PKK	Tenet Fintech Group Inc.	0.10	0.08	300.00%
TSE:IP	Imaginear Inc.	0.01	-0.01	-50.00%
TSE:HRO	Euro Asia Pay Holdings, Inc.	0.03	0.00	0.00%

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: Oct 21, 2026

Fintech Select Ltd AI Stock Analysis