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FINTECH SELECT LTD (FTEC.CA) Stock Fundamental Analysis

TSX-V:FTEC - TSX Venture Exchange - CA31810H1073 - Common Stock - Currency: CAD

0.03  +0 (+20%)

Fundamental Rating

5

FTEC gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 12 industry peers in the IT Services industry. While FTEC belongs to the best of the industry regarding profitability, there are some minor concerns on its financial health. FTEC has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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7

1. Profitability

1.1 Basic Checks

FTEC had negative earnings in the past year.
FTEC had a positive operating cash flow in the past year.
FTEC had positive earnings in 4 of the past 5 years.
Of the past 5 years FTEC 4 years had a positive operating cash flow.
FTEC.CA Yearly Net Income VS EBIT VS OCF VS FCFFTEC.CA Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M -4M

1.2 Ratios

FTEC has a better Return On Assets (26.67%) than 100.00% of its industry peers.
FTEC has a better Return On Equity (312.93%) than 100.00% of its industry peers.
FTEC's Return On Invested Capital of 201.75% is amongst the best of the industry. FTEC outperforms 100.00% of its industry peers.
Industry RankSector Rank
ROA 26.67%
ROE 312.93%
ROIC 201.75%
ROA(3y)118.43%
ROA(5y)75.65%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
FTEC.CA Yearly ROA, ROE, ROICFTEC.CA Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500 1K

1.3 Margins

With an excellent Profit Margin value of 8.12%, FTEC belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
FTEC has a better Operating Margin (7.27%) than 83.33% of its industry peers.
Looking at the Gross Margin, with a value of 95.10%, FTEC belongs to the top of the industry, outperforming 100.00% of the companies in the same industry.
FTEC's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 7.27%
PM (TTM) 8.12%
GM 95.1%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.13%
GM growth 5Y1.86%
FTEC.CA Yearly Profit, Operating, Gross MarginsFTEC.CA Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 60 80

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6

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) well above the Cost of Capital (WACC), FTEC is creating value.
The number of shares outstanding for FTEC remains at a similar level compared to 1 year ago.
FTEC has more shares outstanding than it did 5 years ago.
There is no outstanding debt for FTEC. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FTEC.CA Yearly Shares OutstandingFTEC.CA Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M
FTEC.CA Yearly Total Debt VS Total AssetsFTEC.CA Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 1M 2M 3M

2.2 Solvency

Based on the Altman-Z score of -25.39, we must say that FTEC is in the distress zone and has some risk of bankruptcy.
FTEC has a Altman-Z score of -25.39. This is in the lower half of the industry: FTEC underperforms 75.00% of its industry peers.
FTEC has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z -25.39
ROIC/WACC24.48
WACC8.24%
FTEC.CA Yearly LT Debt VS Equity VS FCFFTEC.CA Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 2M -2M -4M -6M -8M -10M

2.3 Liquidity

A Current Ratio of 1.03 indicates that FTEC should not have too much problems paying its short term obligations.
FTEC has a Current ratio (1.03) which is comparable to the rest of the industry.
A Quick Ratio of 1.03 indicates that FTEC should not have too much problems paying its short term obligations.
The Quick ratio of FTEC (1.03) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.03
Quick Ratio 1.03
FTEC.CA Yearly Current Assets VS Current LiabilitesFTEC.CA Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M

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2

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 62.50% over the past year.
FTEC shows a small growth in Revenue. In the last year, the Revenue has grown by 2.19%.
The Revenue has been growing slightly by 4.06% on average over the past years.
EPS 1Y (TTM)62.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-57.5%
Revenue 1Y (TTM)2.19%
Revenue growth 3Y12.98%
Revenue growth 5Y4.06%
Sales Q2Q%-14.22%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FTEC.CA Yearly Revenue VS EstimatesFTEC.CA Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M

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3

4. Valuation

4.1 Price/Earnings Ratio

Industry RankSector Rank
PE N/A
Fwd PE N/A
FTEC.CA Price Earnings VS Forward Price EarningsFTEC.CA Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 0 0 0 0

4.2 Price Multiples

FTEC's Enterprise Value to EBITDA ratio is rather cheap when compared to the industry. FTEC is cheaper than 100.00% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FTEC indicates a rather cheap valuation: FTEC is cheaper than 83.33% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 7.43
EV/EBITDA 3.34
FTEC.CA Per share dataFTEC.CA EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0.01 0.02 0.03 0.04

4.3 Compensation for Growth

FTEC has a very decent profitability rating, which may justify a higher PE ratio.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

FTEC does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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FINTECH SELECT LTD

TSX-V:FTEC (7/23/2025, 7:00:00 PM)

0.03

+0 (+20%)

Chartmill FA Rating
GICS SectorInformation Technology
GICS IndustryGroupSoftware & Services
GICS IndustryIT Services
Earnings (Last)N/A N/A
Earnings (Next)N/A N/A
Inst OwnersN/A
Inst Owner ChangeN/A
Ins Owners7.35%
Ins Owner ChangeN/A
Market Cap2.40M
Analysts0
Price TargetN/A
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)N/A
Avg EPS beat(2)N/A
Min EPS beat(2)N/A
Max EPS beat(2)N/A
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)N/A
Avg Revenue beat(2)N/A
Min Revenue beat(2)N/A
Max Revenue beat(2)N/A
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)N/A
PT rev (3m)N/A
EPS NQ rev (1m)N/A
EPS NQ rev (3m)N/A
EPS NY rev (1m)N/A
EPS NY rev (3m)N/A
Revenue NQ rev (1m)N/A
Revenue NQ rev (3m)N/A
Revenue NY rev (1m)N/A
Revenue NY rev (3m)N/A
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.63
P/FCF 7.43
P/OCF 7.36
P/B 24.26
P/tB 26.19
EV/EBITDA 3.34
EPS(TTM)0
EYN/A
EPS(NY)N/A
Fwd EYN/A
FCF(TTM)0
FCFY13.45%
OCF(TTM)0
OCFY13.58%
SpS0.05
BVpS0
TBVpS0
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 26.67%
ROE 312.93%
ROCE 280.2%
ROIC 201.75%
ROICexc N/A
ROICexgc N/A
OM 7.27%
PM (TTM) 8.12%
GM 95.1%
FCFM 8.47%
ROA(3y)118.43%
ROA(5y)75.65%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y1.13%
GM growth 5Y1.86%
F-Score8
Asset Turnover3.28
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr N/A
Cap/Sales N/A
Interest Coverage 250
Cash Conversion 110.88%
Profit Quality 104.29%
Current Ratio 1.03
Quick Ratio 1.03
Altman-Z -25.39
F-Score8
WACC8.24%
ROIC/WACC24.48
Cap/Depr(3y)7.83%
Cap/Depr(5y)11.68%
Cap/Sales(3y)0.11%
Cap/Sales(5y)0.44%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)62.5%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-57.5%
EPS Next YN/A
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)2.19%
Revenue growth 3Y12.98%
Revenue growth 5Y4.06%
Sales Q2Q%-14.22%
Revenue Next YearN/A
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y184.81%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next YearN/A
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y1510.92%
FCF growth 3Y13.25%
FCF growth 5Y8.18%
OCF growth 1Y1755.33%
OCF growth 3Y13.15%
OCF growth 5Y3.67%