FISI
Financial Institutions·NASDAQ
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6.81 / 10
Outperform
FISI's fundamental score of 6.8/10 indicates a healthy financial structure, driven by a 42.95% year-over-year profit growth, a 36.7% gross profit margin, and a 100% total profit to EBIT ratio. However, cash-to-market value is a concern at 0.1376, ranking in the lowest group and suggesting limited cash cushion. Overall, the fundamentals support an Outperform rating but highlight the need to monitor liquidity.
Analysis Checks(9/10)
Net assets per share (growth rate compared to beginning of year %)
Value9.27
Score3/3
Weight7.63%
1M Return4.47%
Value9.27
Score3/3
Weight7.63%
1M Return4.47%
Net profit attributable to parent company shareholders / Net profit (%)
Value98.01
Score2/3
Weight7.72%
1M Return4.63%
Value98.01
Score2/3
Weight7.72%
1M Return4.63%
Profit-MV
Value0.28
Score3/3
Weight12.64%
1M Return6.98%
Value0.28
Score3/3
Weight12.64%
1M Return6.98%
PB-ROE
Value1.41
Score3/3
Weight11.83%
1M Return6.02%
Value1.41
Score3/3
Weight11.83%
1M Return6.02%
Asset-MV
Value-0.50
Score3/3
Weight20.90%
1M Return10.42%
Value-0.50
Score3/3
Weight20.90%
1M Return10.42%
Revenue-MV
Value0.16
Score3/3
Weight12.60%
1M Return7.25%
Value0.16
Score3/3
Weight12.60%
1M Return7.25%
Gross profit margin (%)
Value36.70
Score3/3
Weight5.47%
1M Return3.43%
Value36.70
Score3/3
Weight5.47%
1M Return3.43%
Total profit (YoY growth rate %)
Value42.95
Score3/3
Weight7.74%
1M Return4.68%
Value42.95
Score3/3
Weight7.74%
1M Return4.68%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight5.47%
1M Return3.43%
Value100.00
Score3/3
Weight5.47%
1M Return3.43%
Cash-MV
Value0.14
Score1/3
Weight8.01%
1M Return4.21%
Value0.14
Score1/3
Weight8.01%
1M Return4.21%
Net assets per share (growth rate compared to beginning of year %)
Value9.27
Score3/3
Weight7.63%
1M Return4.47%
Value9.27
Score3/3
Weight7.63%
1M Return4.47%
Revenue-MV
Value0.16
Score3/3
Weight12.60%
1M Return7.25%
Value0.16
Score3/3
Weight12.60%
1M Return7.25%
Net profit attributable to parent company shareholders / Net profit (%)
Value98.01
Score2/3
Weight7.72%
1M Return4.63%
Value98.01
Score2/3
Weight7.72%
1M Return4.63%
Gross profit margin (%)
Value36.70
Score3/3
Weight5.47%
1M Return3.43%
Value36.70
Score3/3
Weight5.47%
1M Return3.43%
Profit-MV
Value0.28
Score3/3
Weight12.64%
1M Return6.98%
Value0.28
Score3/3
Weight12.64%
1M Return6.98%
Total profit (YoY growth rate %)
Value42.95
Score3/3
Weight7.74%
1M Return4.68%
Value42.95
Score3/3
Weight7.74%
1M Return4.68%
PB-ROE
Value1.41
Score3/3
Weight11.83%
1M Return6.02%
Value1.41
Score3/3
Weight11.83%
1M Return6.02%
Total profit / EBIT (%)
Value100.00
Score3/3
Weight5.47%
1M Return3.43%
Value100.00
Score3/3
Weight5.47%
1M Return3.43%
Asset-MV
Value-0.50
Score3/3
Weight20.90%
1M Return10.42%
Value-0.50
Score3/3
Weight20.90%
1M Return10.42%
Cash-MV
Value0.14
Score1/3
Weight8.01%
1M Return4.21%
Value0.14
Score1/3
Weight8.01%
1M Return4.21%
Is FISI undervalued or overvalued?
- FISI scores 6.81/10 on fundamentals and holds a Discounted valuation at present. Backed by its 9.04% ROE, -21.25% net margin, -19.11 P/E ratio, 1.12 P/B ratio, and -183.18% earnings growth, these metrics solidify its Outperform investment rating.
