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Fintech Select Ltd
(FTEC)
Select Model
Select Model
Rating:45Neutral
Price Target:
C$0.02
▼(-20.00% Downside)
Action:Reiterated
Date:09/11/26
The score is held down primarily by weak and volatile financial performance (ongoing losses, negative free cash flow, and structurally negative equity), partially offset by some operational improvement (rebounding revenue and improved gross margin) and a debt-free position. Technicals are mixed with a short-term rebound but a still-weak longer-term trend, and valuation is constrained by negative earnings (negative P/E) with no dividend yield data provided.
Positive Factors
Debt-free balance sheet
The absence of reported debt reduces refinancing exposure and eliminates an ongoing interest burden, giving the company more flexibility than a similarly loss-making business with leverage. This provides some capacity to address operating challenges without immediate pressure from lenders.
Negative Factors
Return to net losses
The return to a net loss shows that the recent revenue and gross-margin improvement has not yet translated into sustainable company-wide profitability. Continued negative operating margins can consume resources, restrict reinvestment, and make earnings power difficult to establish over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt-free balance sheet
The absence of reported debt reduces refinancing exposure and eliminates an ongoing interest burden, giving the company more flexibility than a similarly loss-making business with leverage. This provides some capacity to address operating challenges without immediate pressure from lenders.
Read all positive factors
Fintech Select Ltd (FTEC) vs. iShares MSCI Canada ETF (EWC)
Market Cap
C$2.00M
Dividend YieldN/A
Average Volume (3M)69.73K
Price to Earnings (P/E)―
Beta (1Y)-0.33
Revenue Growth-3.30%
EPS Growth11.76%
CountryCA
Employees51
SectorGeneral
Sector StrengthN/A
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)>-0.01
Shares Outstanding80,049,515
10 Day Avg. Volume41,154
30 Day Avg. Volume69,729
Financial Highlights & Ratios
PEG Ratio0.04
Price to Book (P/B)-8.83
Price to Sales (P/S)1.59
P/FCF Ratio-15.48
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
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 S...
How the Company Makes Money
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Fintech Select Ltd Financial Statement Overview
Summary
Income Statement
34
Negative
Balance Sheet
28
Negative
Cash Flow
32
Negative
| 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 | 0.00 | 0.00 | 0.00 | 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 | -245.00 | -245.00 | -2.91K | -2.19K | -5.29K | -2.36K |
| Financing Cash Flow | 0.00 | 182.00K | -89.16K | -452.96K | 212.36K | -87.06K |
Fintech Select Ltd Peers Comparison
UnderperformOutperform
Sector (55)
TSE:FTEC
Fintech Select Ltd
0.03
-0.01
-25.00%
TSE:PKK
Tenet Fintech Group Inc.
0.21
0.19
740.00%
TSE:IP
ImagineAR
0.01
-0.02
-66.67%
TSE:HRO
Euro Asia Pay Holdings
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.