FTEC Fundamental Analysis - FINTECH SELECT LTD

Fundamental Rating

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 has a great profitability rating, there are some minor concerns on its financial health. FTEC is valued correctly, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

FTEC had positive earnings in the past year.

In the past year FTEC had a positive cash flow from operations.

FTEC had positive earnings in 4 of the past 5 years.

FTEC had a positive operating cash flow in 4 of the past 5 years.

1.2 Ratios

FTEC has a better Return On Assets (48.29%) than 100.00% of its industry peers.

FTEC's Return On Equity of 1364.07% is amongst the best of the industry. FTEC outperforms 100.00% of its industry peers.

FTEC has a better Return On Invested Capital (866.62%) than 100.00% of its industry peers.

		Industry Rank	Sector Rank
ROA	48.29%
ROE	1364.07%
ROIC	866.62%

ROA(3y)118.43%

ROA(5y)75.65%

ROE(3y)N/A

ROE(5y)N/A

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

Looking at the Profit Margin, with a value of 12.25%, FTEC belongs to the top of the industry, outperforming 91.67% of the companies in the same industry.

The Operating Margin of FTEC (10.78%) is better than 83.33% of its industry peers.

FTEC's Gross Margin of 94.35% is amongst the best of the industry. FTEC outperforms 100.00% of its industry peers.

In the last couple of years the Gross Margin of FTEC has grown nicely.

		Industry Rank	Sector Rank
OM	10.78%
PM (TTM)	12.25%
GM	94.35%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y1.13%

GM growth 5Y1.86%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

Compared to 5 years ago, FTEC has more shares outstanding

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.

2.2 Solvency

FTEC has an Altman-Z score of -28.75. This is a bad value and indicates that FTEC is not financially healthy and even has some risk of bankruptcy.

FTEC's Altman-Z score of -28.75 is on the low side compared to the rest of the industry. FTEC is outperformed by 75.00% of its industry peers.

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.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	-28.75

ROIC/WACC108.19

WACC8.01%

2.3 Liquidity

FTEC has a Current Ratio of 0.96. This is a bad value and indicates that FTEC is not financially healthy enough and could expect problems in meeting its short term obligations.

FTEC has a Current ratio (0.96) which is comparable to the rest of the industry.

A Quick Ratio of 0.96 indicates that FTEC may have some problems paying its short term obligations.

FTEC has a Quick ratio (0.96) which is in line with its industry peers.

		Industry Rank	Sector Rank
Current Ratio	0.96
Quick Ratio	0.96

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FTEC shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 51.22%, which is quite impressive.

Looking at the last year, FTEC shows a small growth in Revenue. The Revenue has grown by 4.55% in the last year.

Measured over the past years, FTEC shows a small growth in Revenue. The Revenue has been growing by 4.06% on average per year.

EPS 1Y (TTM)51.22%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%36.84%

Revenue 1Y (TTM)4.55%

Revenue growth 3Y12.98%

Revenue growth 5Y4.06%

Sales Q2Q%-5.1%

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.

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4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 3.00, the valuation of FTEC can be described as very cheap.

Compared to the rest of the industry, the Price/Earnings ratio of FTEC indicates a rather cheap valuation: FTEC is cheaper than 100.00% of the companies listed in the same industry.

Compared to an average S&P500 Price/Earnings ratio of 26.25, FTEC is valued rather cheaply.

		Industry Rank	Sector Rank
PE	3
Fwd PE	N/A

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, FTEC is valued 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 Rank	Sector Rank
P/FCF	13.58
EV/EBITDA	2.15

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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5. Dividend

5.1 Amount

No dividends for FTEC!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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FINTECH SELECT LTD

TSX-V:FTEC (5/28/2025, 7:00:00 PM)

0.03

0 (0%)

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 Owners6.85%

Ins Owner ChangeN/A

Market Cap2.40M

Analysts0

Price TargetN/A

Short Float %N/A

Short RatioN/A

Dividend

		Industry Rank	Sector 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 Rank	Sector Rank
PE	3
Fwd PE	N/A
P/S	0.6
P/FCF	13.58
P/OCF	13.35
P/B	67.08
P/tB	86.08
EV/EBITDA	2.15

EPS(TTM)0.01

EY33.33%

EPS(NY)N/A

Fwd EYN/A

FCF(TTM)0

FCFY7.37%

OCF(TTM)0

OCFY7.49%

SpS0.05

BVpS0

TBVpS0

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	48.29%
ROE	1364.07%
ROCE	1203.63%
ROIC	866.62%
ROICexc	N/A
ROICexgc	N/A
OM	10.78%
PM (TTM)	12.25%
GM	94.35%
FCFM	4.43%

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-Score5

Asset Turnover3.94

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	0
Cap/Depr	16.48%
Cap/Sales	0.07%
Interest Coverage	250
Cash Conversion	40.11%
Profit Quality	36.12%
Current Ratio	0.96
Quick Ratio	0.96
Altman-Z	-28.75

F-Score5

WACC8.01%

ROIC/WACC108.19

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)51.22%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%36.84%

EPS Next YN/A

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)4.55%

Revenue growth 3Y12.98%

Revenue growth 5Y4.06%

Sales Q2Q%-5.1%

Revenue Next YearN/A

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y66.56%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next YearN/A

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-59.12%

FCF growth 3Y13.25%

FCF growth 5Y8.18%

OCF growth 1Y-58.63%

OCF growth 3Y13.15%

OCF growth 5Y3.67%

FINTECH SELECT LTD (FTEC.CA) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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