Manx Financial Group PLC

Manx Financial Group PLC

LLSE:MFX
21.50
GBX
0.00
(0.00%)
3.41BMarket Cap
2013 Y
2014 Y
2015 Y
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
TTM
Revenue per Share
0.13
0.12
0.09
0.09
0.11
0.1
0.13
0.14
0.17
0.23
0.27
0.29
0.31
- -
Basic EPS, GAAP
0.01
0.02
0.02
0.01
0.02
0.02
0.02
0.02
0.02
0.04
0.05
0.07
0.05
- -
Free Cash Flow per Basic Share
-0.03
0.11
-0.03
0.06
0.11
-0.08
0.17
-0.05
- -
-0.04
0.13
0.04
0.03
- -
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
0.08
0.1
0.12
0.13
0.13
0.15
0.17
0.2
0.22
0.26
0.3
0.31
0.35
0.35
Tangible Book Value per Share
0.06
0.07
0.09
0.09
0.1
0.12
0.12
0.14
0.14
0.14
0.17
0.18
0.22
0.22
Basic Weighted Avg Shares
97
102
102
102
111
131
131
119
115
115
116
118
120
120
Sales/Revenue/Turnover
12
12
9
10
12
13
17
17
20
26
31
34
37
- -
Operating Margin (%)
36.23
18.57
35.2
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Depreciation Expense
- -
- -
- -
- -
- -
1
1
1
1
1
2
1
2
- -
Net Income, GAAP
1
2
2
1
2
2
3
2
3
4
5
8
6
- -
Effective Tax Rate (%)
- -
8.04
8.96
15.79
8.9
8.97
11.58
2.62
7.69
10.31
12.82
13.93
12.87
- -
Profit Margin (%)
8.95
13.13
22.91
13.63
20.84
18.43
15.94
11.23
14.15
16.6
16.8
23.55
17.11
- -
Working Capital
11
14
16
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
6
7
8
10
10
16
17
23
25
33
41
47
55
55
Total Equity
9
10
12
13
17
20
22
22
25
30
36
37
44
44
Return on Invested Capital (%)
- -
10.01
11.88
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
26.29
26.03
6.04
9.81
7.86
7.15
4.52
5.84
7.08
6.37
9.51
6.98
- -
Return on Common Equity (%)
13.8
17.17
19
10.28
16.15
13.34
12.72
8.66
11.81
15.89
16.39
22.44
15.82
- -

Capital Structure

GBP

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
120
120
123
Market Capitalization
17
27
34

Working Capital

GBP

•

in mil. unless spec.
Dec'24
Jun'25
Dec'25
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
16
24
24
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
- -
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

GBP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
13.92%
14.36%
16.73%
Free Cash Flow
-313.01%
-451.69%
-14.17%
Net Income, GAAP
18.55%
30.72%
-21.13%
Sales/Revenue/Turnover
15.43%
17.05%
8.54%
Total Cash Common Dividend
- -
- -
49.55%

Semi-annual Revenue

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
31
2024
- -
- -
34
2025
- -
- -
37

Semi-annual Earnings Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
0.05
2024
- -
- -
0.07
2025
- -
- -
0.05

Semi-annual Dividends Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2023
- -
- -
- -
2024
- -
- -
- -
2025
- -
- -
- -

Company Description

CEO
Douglas Haddow Grant
Full Time Employees
181
Sector
Finance
Industry
Regional banks
Address
Clarendon House Douglas IM United Kingdom IM1 2LN
IPO Date
Sep 22, 1995
Website
mfg.im
Business
Manx Financial Group PLC (MFX.L) is a diversified financial services holding company headquartered in Douglas, Isle of Man, and founded in 1935, providing banking, lending, insurance, advisory, foreign exchange, and payment solutions primarily to retail, SME, and commercial customers across the Isle of Man and the UK. Through subsidiaries including Conister Bank Limited, it offers deposit accounts, SME and corporate lending, asset financing, mortgages, bridging finance, block discounting, and secured credit facilities; Payment Assist Limited delivers point-of-sale finance specializing in automotive sector payment plans, interest-free and low-interest options for vehicle repairs and services; Edgewater Associates Limited provides wealth management, retirement planning, insurance, and investment advice; MFX Limited and Finova handle foreign exchange, international transactions, payments automation, and currency risk management; Ninkasi finances equipment leasing for brewing, hospitality, and food-tech sectors; The Business Lending Exchange supplies asset-backed lending, invoice finance, and alternative funding for start-ups and high-growth businesses; Blue Star brokers asset finance, equipment leasing, and commercial loans for SMEs; Manx Collections manages debt recovery and portfolio servicing; CAM Wealth Group delivers investment advice and risk management; and Manx Ventures supports niche financial investments and innovation. The group operates in three main segments—Asset and Personal Finance, financial advice via Edgewater, and foreign exchange through MFX—while recent developments include a Q3 2025 net loan book growth of 3.9% at Conister Bank with deposits up 3.7%, an exclusive partnership with Fiinu plc for overdraft technology solutions targeting UK liquidity needs, Payment Assist securing five new partner agreements and progressing an Irish consumer credit licence application, 10% quarter-on-quarter growth in other lending subsidiaries, strategic investments in debt collection technology expected to boost performance by late 2026, renewal of two unsecured £1.0 million loans to bolster regulatory capital, and the launch of a new group website in September 2025 to enhance investor engagement.

Company News

  • Manx Financial Group (LON:MFX) Announces Quarterly Earnings Results