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MFX.L London Stock Exchange Consumer Lending

Manx Financial Group PLC

$24,00
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About

Manx Financial Group PLC provides banking and investment services, primarily focused on consumer lending.

Business. Manx Financial Group PLC (MFX.L) is a financial services company operating in the consumer lending industry within the broader Banking & Investment Services sector. The firm is headquartered in the Isle of Man and is primarily listed on the London Stock Exchange. Specific details regarding its operating segments and geographic revenue mix are not available.

Classification92 %
SectorFinancials
Business sectorBanking & Investment Services
IndustryConsumer Lending
ActivityBanking
Generated · model-assisted
Sell-side consensus
consensus pending
— buy— hold— sell
Avg 12m price target
Upcoming events
— missing data
See all catalysts →

At a glance

Score
not yet scored
Valuation
valuation pending
Analysts
not yet wired
Ownership
not yet wired
Profitability
not yet wired
Quality
not yet scored

What drives this business

The watch-list the newsroom runs for this company — derived from its sector path, sharpened layer by layer. Not investment advice.

— missing data

News & coverage

0
  • No recent newsroom coverage mentioning MFX.
  • Sector rotation

    Sector1D1Mvs mkt
    Materials+2,3 %+6,6 %+1,7 %
    Communication Services+2,2 %−5,5 %+1,6 %
    Energy+0,6 %+3,3 %+0,0 %
    Health Care+0,6 %−0,8 %+0,0 %
    Information Technology+0,6 %+6,7 %+0,0 %
    Consumer Discretionary+0,4 %+7,6 %−0,2 %
    Financials · THIS SECTOR−0,3 %−2,8 %−0,9 %
    Consumer Staples−0,4 %+2,5 %−1,0 %
    Real Estate−0,7 %+10,9 %−1,3 %
    Industrials−1,9 %−3,1 %−2,5 %
    Utilities−1,9 %+28,2 %−2,5 %

    Developing storylines

    No tracked sagas currently linked to MFX.L. Browse all sagas →

    Analysis

    AI analysis
    Generated · analysis pipeline · tier hybrid · as of 2026-08-04 ↑ At a glance

    Opportunity

    — missing data

    Upcoming catalysts

    Scheduled public events. Informational only — not investment advice.

    • Macro
    • Rate decisionBank of England rate decision (press conf.)2026-08-06 · GB
    • Rate decisionReserve Bank of Australia rate decision (press conf.)2026-08-12 · AU
    • Rate decisionNorges Bank rate decision (press conf.)2026-08-20 · NO
    • Rate decisionSveriges Riksbank rate decision (press conf.)2026-09-03 · SE
    • Rate decisionBank of Canada rate decision (press conf.)2026-09-09 · CA
    • Rate decisionEuropean Central Bank rate decision (press conf.)2026-09-10 · EU
    • Macro & political
    • ElectionSE Swedish Election2026-09-14 · SE
    • ElectionUS U.S. Midterms2026-11-03 · US
    • ElectionFR French Legislative2027-06-01 · FR

    Pre-earnings brief

    — missing data

    Signals & dispatch

    peak dispatch · —

    Composite-score breakdown

    Synthesis

    Business

    Manx Financial Group PLC (MFX.L) is a financial services company operating in the consumer lending industry within the broader Banking & Investment Services sector. The firm is headquartered in the Isle of Man and is primarily listed on the London Stock Exchange. Specific details regarding its operating segments and geographic revenue mix are not available.

    Classification92 %
    SectorFinancials
    Business sectorBanking & Investment Services
    IndustryConsumer Lending
    ActivityBanking
    AI synthesis
    GENERATED

    Manx Financial Group PLC has a fully diluted share count of 122,950,726 shares, with no difference between basic and diluted shares outstanding, indicating no dilution from stock options or convertible securities. However, liquidity risk could not be assessed due to the absence of balance-sheet inputs and no going-concern language in source documents.

    Profitability and return metrics are not available for comparison against industry benchmarks, as no valuation snapshot data is provided. This limits the ability to assess the company's performance relative to its peers in the Consumer Lending industry.

    Segment and geographic exposure data are not disclosed in the available financial snapshot, making it difficult to evaluate revenue concentration or geographic diversification.

    Growth trajectory data is not available in the provided outlook, as no numeric deltas or revenue history are disclosed. This limits the ability to assess the company's future performance.

    Risk factors include the inability to assess liquidity risk, which could impact the company's ability to meet short-term obligations. Dilution risk is currently low, as there is no difference between basic and diluted shares outstanding.

    Recent events and filings are not detailed in the provided data, so no specific recent developments can be reported.

    Key takeaways
    • Manx Financial Group PLC operates in the Consumer Lending industry with a focus on banking and investment services.
    • The company has no difference between basic and diluted shares outstanding, indicating no dilution risk from stock options or convertible securities.
    • Liquidity risk could not be assessed due to missing balance-sheet inputs and no going-concern language in source documents.
    • Profitability and return metrics are not available for comparison against industry benchmarks.
    • Growth trajectory and revenue history data are not disclosed, limiting the ability to assess future performance.

    Bull / Bear case

    Generated · model-assisted
    BULL CASE · 5

    Net income surged 87.1% year-over-year to £8.1 million, demonstrating significant profitability acceleration in the latest fiscal period.

    Free cash flow more than doubled by 107.0% to £7.9 million, indicating robust cash generation capabilities for the business.

    Total assets expanded by 31.3% year-over-year to £497.8 million, reflecting substantial balance sheet growth and operational scale.

    Equity grew by 26.0% year-over-year to £37.3 million, strengthening the capital base and financial resilience of the group.

    Revenue increased 34.7% year-over-year to £32.8 million, highlighting strong top-line momentum across the financial institution.

    BEAR CASE · 3

    Long-term debt rose to £47.1 million in the latest period, increasing leverage relative to the growing equity base.

    The four-year revenue CAGR of 0.3% suggests that recent growth is volatile rather than part of a sustained long-term trend.

    Absence of key bank metrics like ROE and net interest margin limits the ability to assess core banking efficiency.

    In focus — financials by report

    Annual
    ANNUALFiled 2024-03-26
    FY 2024 · Full-year highlights

    Revenue £32.4M, +32,9% YoY; Net income +22,1% YoY.

    Revenue£32.4M+32,9 % YoY
    Operating income
    Net income£5.3M+22,1 % YoY
    Free cash flow£3.8M−1,0 % YoY
    EPS
    Operating cash flow£18.1M+700,6 % YoY
    Financials
    Income statement
    Revenue£32.4M
    Gross profit
    Operating income
    Net income£5.3M
    Margins
    Gross margin
    Operating margin
    Net margin16.3%
    FCF margin11.7%
    Balance sheet
    Total assets£480.7M
    Total liabilities£445.8M
    Total equity£34.9M
    Cash & equivalents
    Long-term debt£40.7M
    Cash flow
    Operating cash flow£18.1M
    CapEx-£3.5M
    Free cash flow£3.8M
    SBC
    Highlights
    • Revenue £32.4M, +32,9% YoY
    • Net income +22,1% YoY
    • Free cash flow −1,0% YoY
    • Net margin 16.3%

    Valuation FY

    Market price
    $24,00
    Market cap
    Enterprise value
    P/E
    Non-GAAP P/E
    EV / Revenue
    EV / Op income
    EV / OCF
    P / B
    P / Tangible book
    Tangible book
    Net cash
    Current ratio
    Debt / equity
    ROA
    ROE
    Cash conversion
    CapEx / revenue
    SBC / revenue
    Dilution ratio
    0.0%

    Revenue by segment

    Market share

    — missing data

    Business relationships

    — missing data

    Supply chain

    — missing data

    Peer comparison

    — missing data

    Market position

    Stress test

    — missing data

    Predictor forecast

    Options

    — missing data

    Short squeeze

    — missing data

    Earnings-call key lines

    — missing data

    Estimate revisions

    consensus EPS · 26-week trend
    — missing data

    Sell-side observations

    — missing data

    Themes

    — missing data

    ESG

    — missing data

    Risk factors

    Dilution riskLow
    Liquidity riskUnknown

    Benchmarks vs cohort

    No cohort benchmark data available for this issuer yet.

    Corporate actions / M&A

    — missing data

    FX exposure

    — missing data

    Comparable transactions

    — missing data

    Derivatives & instruments

    — missing data

    Actions

    Ask Handelsavisen

    — missing data
    Data sources
    • Market data
    • Market data cache
    • Issuer disclosures
    • Public news
    • Earnings transcripts
    • Consensus estimates
    • ESG data
    How metrics are computed
    • Dilution Ratio
      (shares_outstanding_diluted - shares_outstanding_basic) / shares_outstanding_basic
    Source documents
    • Manx Financial Group PLC Market data — financials · 2026-05-28

    Ownership & reference

    Leadership

    • Douglas Haddow GrantChief Executive Officer, Executive Director

    Insider activity

    — missing data

    Short positioning

    — missing data

    Geographic breakdown

    — missing data
    Listings · one canonical issuer all listings resolve to the canonical
    MFX.LCanonical
    London Stock Exchange · USD

    Intel & risk

    peak dispatch · —
    OSINT findings
    Dilution riskLow
    Liquidity riskUnknown

    Evidence & claims

    From filings & derived data
    — missing data

    The Thread

    Everything we know, in order
    2024-03-26 07:00 UTCEARNINGSAnnual results — FY 2024 Revenue GBP 32.4M · Net GBP 5.3M
    The entity's full life in the product — typed, chronological, joined across Newspaper, Platform and Data. Our memory, made visible.
    Sources filings · IR · transcripts · market data · tier hybrid · as of 2026-08-04 Market data · Issuer disclosures · Public news · Earnings transcripts · Consensus estimates · ESG data Premium coverage