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Fintech Scion Limited (FINR) fair value: what the stock is really worth

As of Sep 25, 2026: fair value of Fintech Scion Limited $0.06, price $0.07, upside -20.0%, quality 36 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Technology · US · ISIN US92849Y3053

FS Fintech Scion Limited logo Thin data Sep 27, 2026

Fintech Scion Limited

FINR · US

Weak valuationQuality is weak on top of the rich price.

!Fair value $0.0560 · Overvalued (−20.0%)
!Quality 36/100
!Mixed Growth (revenue 3y +404.3 %/yr)
✓generates free cash flow
!Trails peers (1/9)
!Narrow moat 5/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 7 out of 100
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What runs behind every stock

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

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

$3.00 $0.0010 Fair Value $0.0560 Sep 2023 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.

How to read this chart

37‑month range $0.0010 – $3.00 · fair‑value band $0.0490 – $0.0630 · the $0.0700 price screens above the $0.0560 fair value. Dashed = 300-day average. As of Sep 27, 2026.

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Company profile

Fintech Scion Limited provides digital banking services by providing the tools and solutions to facilitate payment services to merchants, offering various secured, online, and managed transactions and settlements.

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Fintech Scion Limited provides digital banking services by providing the tools and solutions to facilitate payment services to merchants, offering various secured, online, and managed transactions and settlements. The company's payments platform hosts a suite of integrated payment products and services that are used across multiple channels and industry verticals, including end-to-end payment processing for a range of payment types; merchant acquiring and issuing; multiple methods of mobile, contactless, and QR code-based payments; complementary software integrations; virtual international bank account number or IBAN issuing; integrated and mobile point of sale or POS solutions; security and risk management solutions; and reporting and analytical tools. Fintech Scion Limited is based in London, the United Kingdom.

Stock analysis

Fintech Scion Limited (FINR) currently trades at $0.0700, while our model-based Fair Value estimate is $0.0560, 20.0% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Asset-Based group reads highest at a median of $0.0600 per share, and 0 of the 7 models we run sit above the $0.0700 price.

Bear case: the Multiples group reads lowest at $0.0300, and 7 of the 7 models stay below the price. Evidence for this calculation is low.

Scenario range: $0.0490 (bear) to $0.0630 (bull), the price of $0.0700 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 36/100 (below-average quality), in the Technology sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Fintech Scion Limited reported revenue of $2.4M in FY2023 versus $80.0K in FY2019, a compound +134.5%/yr. Reported net income was −$40.7M in FY2023.

Key figures

Market cap $13.9M · P/S ratio 23.0 · EPS (TTM) $−0.1500 · Return on equity −111% · Return on assets (EBIT) −105% · Operating margin −84.9% · Revenue growth (YoY) −76.7% · Free cash flow $283K.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (low confidence).

What moves the price

The share trades at its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −23% fair-value upside, at −20%, FINR screens cheaper than that median.

Fair Value models

Bear $0.0490 Fair Value $0.0560 Bull $0.0630
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds. Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
FCF DCF $0.0400 $0.0500 $0.0900 72
Growth DCF $0.0400 $0.0600 $0.0900 70
5Y Revenue Exit $0.0300 $0.0400 $0.0600 65
All 7 models by family
DCF Models
FCF DCF $0.0400 $0.0500 $0.0900 72
5Y Revenue Exit $0.0300 $0.0400 $0.0600 65
10Y Revenue Exit $0.0400 $0.0500 $0.0600 61
Multiples
EV/Revenue $0.0300 $0.0300 $0.0400 52
Asset-Based
NCAV (Graham) $0.0500 $0.0600 $0.0900 52
Growth DCF
Growth DCF $0.0400 $0.0600 $0.0900 70
Rev-Margin DCF $0.0300 $0.0500 $0.0700 65

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Quality Score breakdown

Overall quality 36/100

Of which business quality 42 · Market factors (momentum, volatility) 56

Profitability 3
Margins and returns on capital today
Quality Growth 24
Are margins and returns improving?
Cashflow 68
Earnings quality: real cash, not paper profit
Fin. Strength 65
Balance sheet, leverage, solvency risk
Investment 50
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 40
Price trend over the last 3–12 months (market factor)
52W Momentum 33
Distance to the 52-week high (market factor)
Net Issuance 40
Share count: buybacks or dilution?

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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. 53/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−2.3%
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.
+404.3%
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.
−460.4% (2019) → −69.6% (2023)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2023 is a loss year, no rate is defined from a loss
not computed

Growth Forecast

Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+20.5%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about +17.7% a year for the price.

FINR screens overvalued: fair value 20% 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 · 338 stocks

Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 36 · Bottom 25%
Fair Value upside −20.0% · Below median
Profitability
Return on assets −3.2% · Bottom 25%
Operating margin (TTM) −84.9% · Bottom 25%
Growth and dividend
Revenue growth −76.7% · Bottom 25%

Valuation Multiplesvs Software - Infrastructure median · lower = cheaper

P/B 0.76× · Cheapest 25%
P/S (TTM) 23.04× · Priciest 25%
P/FCF 49.2× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)7 · sector 27
FUTURE (revenue growth)0 · sector 59
PAST (return on equity)0 · sector 26
HEALTH (low debt)0 · sector 98
DIVIDEND (yield)0 · sector 34

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.

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Microsoft Corporation MSFT $512.90 $564.19 +10%
Palantir Technologies Inc PLTR $187.05 $42.16 −77%
Oracle Corporation ORCL $137.30 $112.26 −18%
CrowdStrike Holdings CRWD $264.75 $37.31 −86%
Fortinet, Inc FTNT $176.33 $164.68 −7%
Synopsys, Inc SNPS $434.94 $249.20 −43%
CoreWeave, Inc CRWV $87.12 $58.32 −33%
Block, Inc XYZ $76.42 $76.95 +1%
NetApp, Inc NTAP $204.41 $157.26 −23%
Okta, Inc OKTA $202.18 $142.12 −30%

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$0.0560 −20%Fair Value
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Cite: Fair Value Calculator (2026). "Fintech Scion Limited Fair Value". https://www.fairvalue-calculator.com/stock/FINR

Frequently asked questions

Is Fintech Scion Limited (FINR) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of $0.0560 versus the last price from Sep 25, 2026 of $0.0700, about −20% upside (overvalued).
What is the fair value of FINR?
Our model-based fair value for Fintech Scion Limited is $0.0560 (as of Sep 27, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $0.0700.
What is the quality score of FINR?
Fintech Scion Limited has a Quality Score of 36/100. 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 Scion Limited (FINR)?
Our model-based price target is the fair value of $0.0560 (as of Sep 27, 2026) from 7 valuation models. Cautious scenario $0.0490, optimistic scenario $0.0630. It is a calculation from audited fundamentals, not an analyst target.
What is the Fintech Scion Limited stock forecast for 2026?
Our models put fair value at $0.0560, about −20% upside versus the last price from Sep 25, 2026 of $0.0700 (overvalued). Cautious scenario $0.0490, optimistic scenario $0.0630. The calculation is refreshed regularly with new filings.
What growth is priced into Fintech Scion Limited (FINR)?
For today's price to be fair in a discounted-cash-flow model, Fintech Scion Limited would have to grow free cash flow by +20.5 % per year for five years (discount rate 9.7 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +134.5 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of FINR use?
Our models discount Fintech Scion Limited at 9.7 %: a base by market capitalisation (nano), country premium for USA. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Fintech Scion Limited that is +20.5 % per year a year over ten years, using the same discount rate (9.7 %) and the same formula as our fair value.
How much growth has Fintech Scion Limited (FINR) delivered so far?
Over the past 4 years revenue at Fintech Scion Limited grew +134.5 % a year. The price currently implies +20.5 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Fintech Scion Limited (FINR) growing?
The median revenue growth in the sector is +3.2 % a year. That is the yardstick for the growth priced into Fintech Scion Limited (+20.5 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Fintech Scion Limited (FINR)?
The free-cash-flow yield on the price is 2.03 %: that much free cash flow Fintech Scion Limited produces per unit of market value. When it exceeds the discount rate of our models (9.7 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Fintech Scion Limited (FINR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fintech Scion Limited it is $0.0560 per share (as of Sep 27, 2026), against a price of $0.0700. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Fintech Scion Limited stock overvalued or undervalued in 2026?
As of Sep 27, 2026, FINR trades above its calculated fair value: price $0.0700, fair value $0.0560, a gap of about −20% (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 FINR?
No. The price is what the market pays today ($0.0700); the fair value is what the company's own numbers justify ($0.0560). For Fintech Scion Limited the two are $0.0140 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fintech Scion Limited worth?
The market values Fintech Scion Limited at about $13.9M (market capitalisation, as of Sep 27, 2026). Per share that is $0.0700; our models calculate a fair value of $0.0560 per share.
What do the bullish and bearish scenarios say about FINR?
Our models span a range for Fintech Scion Limited: cautious scenario $0.0490, base $0.0560, optimistic $0.0630 per share (as of Sep 27, 2026, price $0.0700). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Fintech Scion Limited (FINR)?
Balance-sheet figures for Fintech Scion Limited (as of Sep 27, 2026): return on equity −110.6%. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is FINR from its 52-week high?
Fintech Scion Limited trades at $0.0700, at its 52-week high of $0.0700 and at the low of $0.0700 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.0560 is for.
Which stocks are comparable to Fintech Scion Limited?
From the same area (Technology) we also value Microsoft Corporation, Palantir Technologies Inc, Oracle Corporation, CrowdStrike Holdings, 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 Scion Limited stock attractive at the current price?
The data as of Sep 27, 2026: price $0.0700, calculated fair value $0.0560 (−20%), Quality Score 36/100, from 7 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FINR calculated?
We run Fintech Scion Limited through 7 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of $0.0560, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.5 % above its aggregate fair value. Fintech Scion Limited 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 Scion Limited (FINR)?
The latest price we hold is from Sep 25, 2026 and stands at $0.0700. Our model-based fair value is $0.0560, about −20% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fintech Scion Limited right now?
The price sits above even our optimistic bull case ($0.0630). The favourable scenario is already priced in. Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of Fintech Scion Limited

How large is the market capitalisation of Fintech Scion Limited (FINR)?
The market capitalisation of Fintech Scion Limited is $13.9M. 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 Scion Limited (FINR)?
The price-to-sales ratio of Fintech Scion Limited is 23.0 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Fintech Scion Limited (FINR)?
Earnings per share at Fintech Scion Limited are $−0.1500. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Fintech Scion Limited (FINR)?
The return on equity (ROE) of Fintech Scion Limited is −111% (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 Scion Limited (FINR)?
On an EBIT basis the return on assets of Fintech Scion Limited is −105% (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 Scion Limited (FINR)?
The operating margin of Fintech Scion Limited is −84.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fintech Scion Limited (FINR)?
Revenue at Fintech Scion Limited is growing −76.7% versus a year earlier (3y avg +404%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
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