Fiinu PLC
Fiinu Plc, a fintech company, engages in the development of software. It operates Plugin Overdraft platform, a bank overdraft software to provide open banking. The company was founded in 2017 and is based in Weybridge, the United Kingdom.
Fiinu PLC (BANK) - Net Assets
Latest net assets as of June 2025: GBX395.36K GBX
Based on the latest financial reports, Fiinu PLC (BANK) has net assets worth GBX395.36K GBX as of June 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets (GBX696.32K) and total liabilities (GBX300.96K). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | GBX395.36K |
| % of Total Assets | 56.78% |
| Annual Growth Rate | -14.26% |
| 5-Year Change | -88.54% |
| 10-Year Change | -88.79% |
| Growth Volatility | 170.56 |
Fiinu PLC - Net Assets Trend (2004–2024)
This chart illustrates how Fiinu PLC's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Fiinu PLC (2004–2024)
The table below shows the annual net assets of Fiinu PLC from 2004 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | GBX125.69K | -84.78% |
| 2023-12-31 | GBX825.76K | -88.68% |
| 2022-12-31 | GBX7.29 Million | +167.09% |
| 2021-12-31 | GBX2.73 Million | +148.89% |
| 2021-03-31 | GBX1.10 Million | -36.15% |
| 2020-03-31 | GBX1.72 Million | +686.78% |
| 2019-03-31 | GBX218.39K | +24.48% |
| 2017-12-31 | GBX175.44K | -79.09% |
| 2016-12-31 | GBX839.21K | -25.15% |
| 2015-12-31 | GBX1.12 Million | -28.50% |
| 2014-12-31 | GBX1.57 Million | +36.96% |
| 2013-12-31 | GBX1.14 Million | +244.85% |
| 2012-12-31 | GBX332.01K | -31.23% |
| 2011-12-31 | GBX482.76K | -22.74% |
| 2010-12-31 | GBX624.83K | -11.43% |
| 2009-12-31 | GBX705.47K | +13.56% |
| 2008-12-31 | GBX621.23K | +8.07% |
| 2007-12-31 | GBX574.83K | -69.94% |
| 2006-12-31 | GBX1.91 Million | +13.85% |
| 2005-12-31 | GBX1.68 Million | -38.38% |
| 2004-12-31 | GBX2.73 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Fiinu PLC's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 1393063700.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | GBX27.47 Million | 21858.60% |
| Total Equity | GBX125.69K | 100.00% |
Fiinu PLC Competitors by Market Cap
The table below lists competitors of Fiinu PLC ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Tan Phu Viet Nam JSC
VN:TPP
|
$4.00K |
|
SOLTEQ
BE:B3M
|
$4.01K |
|
Pak Datacom Ltd
KAR:PAKD
|
$4.01K |
|
Vallibel Finance PLC
CM:VFINN0000
|
$4.01K |
|
INDOFOOD CBP
BE:48I
|
$4.00K |
|
DANANG HOUSING
VN:NDN
|
$4.00K |
|
Veritec Inc
PINK:VRTC
|
$4.00K |
|
TOL GASES LTD
DSE:TOL
|
$4.00K |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Fiinu PLC's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 825,761 to 125,693, a change of -700,068 (-84.8%).
- Net loss of 700,068 reduced equity.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | GBX-700.07K | -556.97% |
| Total Change | GBX- | -84.78% |
Book Value vs Market Value Analysis
This analysis compares Fiinu PLC's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
- Current price-to-book ratio: 15847.48x
- The company is trading at a significant premium to its book value, suggesting the market values its earnings potential, brand, or other intangibles highly.
- The price-to-book ratio has increased from 29.68x to 15847.48x over the analyzed period, suggesting growing market confidence.
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2004-12-31 | GBX0.24 | GBX7.25 | x |
| 2005-12-31 | GBX0.15 | GBX7.25 | x |
| 2006-12-31 | GBX0.15 | GBX7.25 | x |
| 2007-12-31 | GBX0.04 | GBX7.25 | x |
| 2008-12-31 | GBX0.04 | GBX7.25 | x |
| 2009-12-31 | GBX0.05 | GBX7.25 | x |
| 2010-12-31 | GBX0.05 | GBX7.25 | x |
| 2011-12-31 | GBX0.04 | GBX7.25 | x |
| 2012-12-31 | GBX0.02 | GBX7.25 | x |
| 2013-12-31 | GBX0.08 | GBX7.25 | x |
| 2014-12-31 | GBX0.11 | GBX7.25 | x |
| 2015-12-31 | GBX0.08 | GBX7.25 | x |
| 2016-12-31 | GBX0.06 | GBX7.25 | x |
| 2017-12-31 | GBX0.01 | GBX7.25 | x |
| 2019-03-31 | GBX-0.01 | GBX7.25 | x |
| 2020-03-31 | GBX0.00 | GBX7.25 | x |
| 2021-03-31 | GBX0.00 | GBX7.25 | x |
| 2021-12-31 | GBX0.18 | GBX7.25 | x |
| 2022-12-31 | GBX0.03 | GBX7.25 | x |
| 2023-12-31 | GBX0.00 | GBX7.25 | x |
| 2024-12-31 | GBX0.00 | GBX7.25 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Fiinu PLC utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): -556.97%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -31591.52%
- • Asset Turnover: 0.01x
- • Equity Multiplier: 3.22x
- Recent ROE (-556.97%) is below the historical average (-114.82%), suggesting potential challenges in capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2004 | -13.48% | -12.37% | 0.74x | 1.46x | GBX-640.02K |
| 2005 | -62.60% | -34.96% | 1.04x | 1.72x | GBX-1.22 Million |
| 2006 | -16.47% | -7.04% | 1.21x | 1.93x | GBX-506.13K |
| 2007 | -223.14% | -32.85% | 1.88x | 3.62x | GBX-1.34 Million |
| 2008 | 12.90% | 2.07% | 1.75x | 3.57x | GBX17.99K |
| 2009 | 10.66% | 2.00% | 1.77x | 3.02x | GBX4.69K |
| 2010 | -7.77% | -1.38% | 1.85x | 3.04x | GBX-111.05K |
| 2011 | -29.43% | -4.79% | 1.38x | 4.46x | GBX-190.34K |
| 2012 | -45.41% | -6.06% | 1.92x | 3.90x | GBX-183.96K |
| 2013 | 70.60% | 28.44% | 1.27x | 1.96x | GBX693.84K |
| 2014 | -5.50% | -3.35% | 1.02x | 1.61x | GBX-243.12K |
| 2015 | -8.44% | -4.00% | 1.12x | 1.89x | GBX-206.80K |
| 2016 | -22.53% | -7.24% | 1.29x | 2.41x | GBX-272.99K |
| 2017 | -382.79% | -18.92% | 2.33x | 8.69x | GBX-689.11K |
| 2019 | 0.00% | 0.00% | 0.00x | 0.00x | GBX-252.91K |
| 2020 | 0.00% | 0.00% | 0.00x | 0.00x | GBX-537.40K |
| 2021 | 0.00% | -47.21% | 1.34x | 0.00x | GBX-1.05 Million |
| 2021 | -16.06% | -14.91% | 0.65x | 1.67x | GBX-711.65K |
| 2022 | -107.49% | 0.00% | 0.00x | 1.26x | GBX-8.57 Million |
| 2023 | -1007.26% | 0.00% | 0.00x | 1.87x | GBX-8.40 Million |
| 2024 | -556.97% | -31591.52% | 0.01x | 3.22x | GBX-712.64K |
Industry Comparison
This section compares Fiinu PLC's net assets metrics with peer companies in the Credit Services industry.
Industry Context
- Industry: Credit Services
- Average net assets among peers: $1,612,734,256
- Average return on equity (ROE) among peers: -1.34%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Fiinu PLC (BANK) | GBX395.36K | -13.48% | 0.76x | $4.00K |
| Amigo Holdings PLC (AMGO) | $0.00 | 0.00% | 0.00x | $2.59K |
| ASA International Group PLC (ASAI) | $107.07 Million | -0.67% | 4.41x | $25.43K |
| Distribution Finance Capital Holdings PLC (DFCH) | $50.89 Million | -26.73% | 2.96x | $10.03K |
| Equals Group PLC (EQLS) | $49.52 Million | -10.85% | 0.46x | $34.33K |
| General Accident PLC (GACA) | $13.97 Billion | 1.33% | 0.00x | $126.54 |
| H&T Group plc (HAT) | $192.13 Million | 11.57% | 0.51x | $34.39K |
| ICFG Limited (ICFG) | $-7.14 Million | 0.00% | 0.00x | $19.53 |
| Sancus Lending Group Ltd (LEND) | $61.25 Million | 3.32% | 1.93x | $278.52 |
| Litigation Capital Management Limited (LIT) | $88.89 Million | 9.97% | 1.25x | $1.34K |