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Fintech Select Ltd (FTEC) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Fintech Select Ltd stock C$0.03, price C$0.03, that is 14.8% below the price, quality 30 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Technology CA · ISIN CA31810H1073

FS Fintech Select Ltd logo Thin data Nov 10, 2026

Fintech Select Ltd

FTEC · V
Expensive, weak quality

Our calculation puts a fair price 15% below what the stock costs today.

Last quarter vs. a year ago: revenue +16%, profit +153%.
Negative equity (buybacks among others)
Fair value C$0.0256 · Overvalued
Quality 30/100
Weak Growth (revenue 5y −0.8 %/yr in CAD)
Loss-making · -7.7% net margin (TTM)
Negative free cash flow
Trails peers (2/7)
Narrow moat 3/100 · thin data
Thin data
Estimate⚠ Thinly traded
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26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

C$0.1000 C$0.0200 Fair Value C$0.0256 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range C$0.0200 – C$0.1000 · fair‑value band C$0.0239 – C$0.0273 · the C$0.0300 price screens above the C$0.0256 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

Fintech Select Ltd. provides financial payment services in Canada. The company offers Visa And MasterCard prepaid card solutions that serves a point of sale (POS) footprint, which allows consumers to activate, fund, and reload their cards.

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It also provides Twifty, an online and e-wallet payment solution that offers e-commerce, processing, corporate disbursements, and remittances, as well as online payment processing services. In addition, the company offers Selectcoin for buying and selling cryptocurrencies.

Further, it provides prepaid card programs, POS Cryptocurrency, and e-wallet and online payment solutions; and operates a multi-lingual call center. The company was formerly known as Selectcore Ltd. and changed its name to Fintech Select Ltd. in August 2017.

Fintech Select Ltd. was founded in 1999 and is headquartered in Chatham-Kent, Canada.

Stock analysis

Fintech Select Ltd (FTEC) currently trades at C$0.0300, while our estimate is C$0.0256, 15% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: C$0.0239 (bear) to C$0.0273 (bull), the price of C$0.0300 sits above it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.

Quality & growth

The Quality Score stands at 30/100 (below-average quality), in the Technology sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Fintech Select Ltd reported revenue of C$2.8M in FY2025 versus C$2.8M in FY2021, a compound +0.0%/yr. Reported net income was −C$501K in FY2025.

Key figures

Market cap C$2.4M (≈ $1.7M) Micro · P/S ratio 0.65 · Net margin −18.0% · Return on equity −452% · Return on assets (EBIT) −19.3% (5-year average) · Operating margin −21.3% · Revenue (TTM) C$3.1M · Revenue growth (YoY) +15.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 3 out of 100 (low confidence).

What moves the price

The share trades about 67% below its 52-week high and 50% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −11% fair-value upside, at −15%, FTEC screens richer than that median.

Fair Value

Bear C$0.0239 Fair Value C$0.0256 Bull C$0.0273
Price C$0.0300 · Downside -14.8%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 30/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 50
How much profit the company makes from its sales and capital
Quality Growth 12
Are margins and returns getting better?
Cashflow 2
Do the profits arrive as real cash?
Financial strength 1
Debt, balance sheet and risk of trouble
Investment 56
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 17
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 24
Distance to the 52-week high, does not count
New shares 81
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 3/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−30.5%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+2.4%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−0.8%
Start year 2020 (pandemic). Over 10 years: −10.7% a year
Revenue growth 21 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+37.6%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
10.8% (2020) → −16.0% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

FTEC screens overvalued: fair value 15% below the price. Compare with Microsoft Corporation →

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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Software - Infrastructure · 410 stocks

Beats the industry median on 2/7 measures
Overall it trails its industry peers.
Valuation
Quality Score 30 · Bottom 25%
Fair Value upside −14.7% · Below median
Profitability
Return on equity (12 months) Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
Return on assets −63.8% · Bottom 25%
Net margin (12 months) −7.7% · Below median
Operating margin (12 months) −21.3% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 15.6% · Above median
Balance sheet
Debt / equity Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/B Negative equity ⓘThe company's equity is below zero, for example after large share buybacks. A ratio to negative equity has no meaning, so we show no number here and do not rank it against the peer group.
P/S (12 months) 0.78× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)14 · sector 22
FUTURE (revenue growth)78 · sector 60
PAST (return on equity)0 · sector 15
HEALTH (low debt)0 · sector 98
DIVIDEND (yield)0 · sector 27

PAST 0: with negative equity (buybacks among others) return on equity is not meaningfully computable.

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Software - Infrastructure stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Microsoft Corporation MSFT $533.16 $599.70 +12% vs FTEC
Fortinet, Inc FTNT $123.57 $130.72 +6% vs FTEC
Oracle Corporation ORCL $117.98 $111.97 −5% vs FTEC
Block, Inc XYZ $85.58 $76.43 −11% vs FTEC
NetApp, Inc NTAP $175.99 $156.80 −11% vs FTEC
Synopsys, Inc SNPS $459.95 $288.23 −37% vs FTEC
Zscaler, Inc ZS $194.92 $101.45 −48% vs FTEC
Palantir Technologies Inc PLTR $168.82 $42.20 −75% vs FTEC
CrowdStrike Holdings CRWD $225.76 $37.97 −83% vs FTEC
Palo Alto Networks, Inc PANW $326.36 $39.54 −88% vs FTEC

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Fintech Select Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Fintech Select Ltd Fair Value". https://www.fairvalue-calculator.com/stock/FTEC

Frequently asked questions

Is Fintech Select Ltd (FTEC) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is C$0.0256 versus a price of C$0.0300, about 15% lower (overvalued).
What is the fair value of FTEC?
Our estimate for Fintech Select Ltd is C$0.0256 (as of Nov 10, 2026), built from audited fundamentals. The current price: C$0.0300.
What is the quality score of FTEC?
Fintech Select Ltd has a Quality Score of 30/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Fintech Select Ltd (FTEC)?
Our calculated price target is the estimate of C$0.0256 (as of Nov 10, 2026). Cautious scenario C$0.0239, optimistic scenario C$0.0273. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Fintech Select Ltd stock forecast for 2026?
Our estimate puts fair value at C$0.0256, about 15% lower versus a price of C$0.0300 (overvalued). Cautious scenario C$0.0239, optimistic scenario C$0.0273. The calculation is refreshed regularly with new filings.
What is the revenue of Fintech Select Ltd (FTEC)?
Fintech Select Ltd reported trailing-twelve-month revenue of about C$3.1M (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of Fintech Select Ltd (FTEC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fintech Select Ltd it is C$0.0256 per share (as of Nov 10, 2026), against a price of C$0.0300.
Is Fintech Select Ltd stock overvalued or undervalued in 2026?
As of Nov 10, 2026, FTEC trades above its calculated fair value: price C$0.0300, fair value C$0.0256, a gap of about −15% (overvalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FTEC?
No. The price is what the market pays today (C$0.0300); the fair value is what the company's own numbers justify (C$0.0256). For Fintech Select Ltd the two are C$0.0044 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fintech Select Ltd worth?
The market values Fintech Select Ltd at about C$2.4M (market capitalisation, as of Nov 10, 2026). Per share that is C$0.0300; our models calculate a fair value of C$0.0256 per share.
What do the bullish and bearish scenarios say about FTEC?
Our models span a range for Fintech Select Ltd: cautious scenario C$0.0239, base C$0.0256, optimistic C$0.0273 per share (as of Nov 10, 2026, price C$0.0300). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Fintech Select Ltd (FTEC)?
Balance-sheet figures for Fintech Select Ltd (as of Nov 10, 2026): negative equity, so no return on equity and no debt-to-equity ratio. They feed the Quality Score of 30/100, which measures business quality independently of the share price.
How far is FTEC from its 52-week high?
Fintech Select Ltd trades at C$0.0300, about 67% below its 52-week high of C$0.0900 and 50% above the low of C$0.0200 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of C$0.0256 is for.
Which stocks are comparable to Fintech Select Ltd?
From the same area (Technology) we also value Microsoft Corporation, Oracle Corporation, Palantir Technologies Inc, Palo Alto Networks, Inc, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Fintech Select Ltd stock attractive at the current price?
The data as of Nov 10, 2026: price C$0.0300, calculated fair value C$0.0256 (−15%), Quality Score 30/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Fintech Select Ltd itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Fintech Select Ltd (FTEC)?
The closing price on Nov 10, 2026 was C$0.0300. Our estimate is C$0.0256, about 15% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fintech Select Ltd right now?
The price sits above even our optimistic bull case (C$0.0273). The favourable scenario is already priced in. The models converge in a tight band (C$0.0239 to C$0.0273), unusually little disagreement for a valuation. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of Fintech Select Ltd

How large is the market capitalisation of Fintech Select Ltd (FTEC)?
The market capitalisation of Fintech Select Ltd is C$2.4M (≈ $1.7M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Fintech Select Ltd (FTEC)?
The price-to-sales ratio of Fintech Select Ltd is 0.65 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the net margin of Fintech Select Ltd (FTEC)?
The net margin of Fintech Select Ltd is −18.0% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Fintech Select Ltd (FTEC)?
The return on equity (ROE) of Fintech Select Ltd is −452% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Fintech Select Ltd (FTEC)?
On an EBIT basis the return on assets of Fintech Select Ltd is −19.3% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Fintech Select Ltd (FTEC)?
The operating margin of Fintech Select Ltd is −21.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fintech Select Ltd (FTEC)?
Revenue at Fintech Select Ltd is growing +15.6% versus a year earlier (3y avg +2.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Fintech Select Ltd (FTEC)?
Earnings per share at Fintech Select Ltd are growing +153% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Fintech Select Ltd (FTEC) generate?
The free cash flow of Fintech Select Ltd is −C$285K (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Fintech Select Ltd (FTEC) carry?
The net debt of Fintech Select Ltd is C$175K (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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