Company Deep Dive
Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.
BANK.L
Strong SellFiinu Plc · Financial Services · United Kingdom · $31M · Avg Vol: $17K/d
COMPANY DESCRIPTION
Fiinu Plc is a fintech company that developed the Plugin Overdraft, an innovative consumer credit product designed to provide overdraft facilities without requiring users to change their primary bank account. The company leverages open banking technology to assess creditworthiness and integrate its services directly with existing bank accounts. Its competitive position is built on its unique regulatory positioning and its focus on providing flexible, lower-cost short-term credit alternatives to underserved consumers.
FINANCIAL SUMMARY (GBP)
| Year | 2022 | 2023 | 2024 | 2025 | CAGR | TTM |
|---|---|---|---|---|---|---|
| Revenue | 0 | 0 | 0 | 0.7M | — | 0.7M |
| EPS (GBp) | -3.31 | -3.06 | -0.25 | -2.98 | — | -3.02 |
| Shares | 269.0M | 274.7M | 274.7M | 398.4M | +48.1% | 396.0M |
| Debt | 0.2M | 57.8K | 0 | 2.0M | 106.6% | 2.0M |
| Equity | 7.3M | 0.8M | 0.1M | 2.9M | -26.6% | — |
| Op CF | -4.4M | -6.3M | -0.9M | -3.7M | — | -3.7M |
| Inv CF | -0.9M | 37.6K | 2.2K | 1.2M | — | — |
| Fin CF | 12.0M | 0.5M | -59.4K | 6.1M | — | — |
SCORE BREAKDOWN
FUNDAMENTALS
SECTOR PEERS
Closest peers in Financial Services, ranked by industry match, size, and score similarity. Cross-listings of BANK.L are excluded.
| Ticker | Company | Mkt Cap | StockRank | Signal |
|---|---|---|---|---|
| BANK.L | Fiinu Plc(you) | $31M | 1 | Strong Sell |
| TIME.L | Time Finance plc | $71M | 80 | Buy |
| SUS.L | S&U plc | $329M | 53 | Hold |
| DGI9.L | Digital 9 Infrastructure PLC | $35M | 3 | Strong Sell |
| DFCH.L | Distribution Finance Capital Holdings plc | $158M | 76 | Buy |
| ALK.L | Alkemy Capital Investments Plc | $44M | 0 | Strong Sell |
| PDCC | Pearl Diver Credit Company Inc. | $60M | 9 | Strong Sell |
| CRS.L | Crystal Amber Fund Limited | $66M | 7 | Strong Sell |
| KRM.L | KRM22 Plc | $27M | 21 | Sell |
| KLAR | Klarna Group plc | $5.4B | 23 | Sell |
Peer medians: ROE 11.3% · P/E 12.3x · Gross margin 94.6%