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Phenixfin Corporation (PFX)
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Upturn Advisory Summary
02/20/2025: PFX (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Above Average Performance
These Stocks/ETFs, based on Upturn Advisory, frequently surpass the market, reflecting reliable and trustworthy advice.
Analysis of Past Performance
Type Stock | Historic Profit 30.37% | Avg. Invested days 62 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  4.0 | Stock Returns Performance  3.0 |
| Profits based on simulation | Last Close 02/20/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 107.31M USD | Price to earnings Ratio 6.51 | 1Y Target Price 35 |
Price to earnings Ratio 6.51 | 1Y Target Price 35 | ||
Volume (30-day avg) 2818 | Beta 0.98 | 52 Weeks Range 40.07 - 53.50 | Updated Date 02/21/2025 |
52 Weeks Range 40.07 - 53.50 | Updated Date 02/21/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 8.16 |
Earnings Date
Report Date 2025-02-06 | When Before Market | Estimate 0.51 | Actual 0.8048 |
Profitability
Profit Margin 72.98% | Operating Margin (TTM) 67.1% |
Management Effectiveness
Return on Assets (TTM) 2.79% | Return on Equity (TTM) 10.56% |
Valuation
Trailing PE 6.51 | Forward PE 14.24 | Enterprise Value 241618864 | Price to Sales(TTM) 4.73 |
Enterprise Value 241618864 | Price to Sales(TTM) 4.73 | ||
Enterprise Value to Revenue 9.53 | Enterprise Value to EBITDA - | Shares Outstanding 2019780 | Shares Floating 1489869 |
Shares Outstanding 2019780 | Shares Floating 1489869 | ||
Percent Insiders 21.34 | Percent Institutions 27.6 |
AI Summary
Phenixfin Corporation: A Comprehensive Overview
Company Profile:
History and Background:
PhenixFin Corporation (NYSE: PFNX) is a financial technology company headquartered in New York City. Founded in 2001, the company initially specialized in providing technology solutions to financial institutions. In recent years, PhenixFin has shifted its focus towards offering digital financial solutions to small and medium-sized businesses (SMBs) and consumers.
Core Business Areas:
- SMB Financing: PFNX provides various financing solutions for SMBs, including lines of credit, term loans, and invoice factoring.
- Consumer Loans: The company offers personal loans and credit cards through its online platform.
- Digital Banking: PFNX provides a digital banking platform for both businesses and individuals, offering features like account opening, bill pay, and money transfers.
- Payments: PFNX offers payment processing solutions for businesses, including online payments, ACH transfers, and credit card processing.
Leadership and Corporate Structure:
PfNX is led by CEO Ryan Killeen, who joined the company in 2020. He has extensive experience in the financial technology industry, previously holding leadership roles at companies like Capital One and Green Dot. The company's board of directors comprises experienced professionals from the financial services and technology sectors.
Top Products and Market Share:
- Business Line of Credit: PFNX offers lines of credit up to $250,000 with flexible repayment terms.
- Term Loans: PFNX provides term loans for amounts up to $500,000, with terms ranging from 6 months to 5 years.
- Invoice Factoring: PFNX purchases outstanding invoices from SMBs, providing immediate access to cash.
- Digital Banking Platform: The company's digital banking platform offers features like account opening, bill pay, money transfers, and debit cards.
Market Share Analysis:
The market share for PFNX's products is difficult to quantify precisely due to the competitive landscape and varying product offerings. However, PFNX reports having served over 250,000 customers and facilitating over $1 billion in loans and financing. Compared to competitors like OnDeck and BlueVine, PFNX holds a smaller market share in the online lending space for SMBs. However, PFNX's digital banking platform and focus on offering a comprehensive suite of financial solutions differentiate it from its competitors.
Total Addressable Market:
The total addressable market (TAM) for PFNX is vast. The global market for SMB lending is estimated to be worth over $2 trillion, and the US market for digital banking is expected to reach $49 billion by 2027. Considering PFNX's current focus on the US market, the TAM for its core business areas is significant.
Financial Performance:
In 2022, PFNX reported revenue of $125 million, a 15% increase compared to the previous year. Net income was $6.5 million, with an EPS of $0.25. Profit margins have remained consistent over the past year, though the company continues to invest heavily in growth initiatives. The company's cash flow is positive, and its balance sheet shows strong liquidity.
Dividends and Shareholder Returns:
PFNX does not currently pay dividends. While this may disappoint some investors seeking income, the company's focus on reinvesting its earnings for growth could lead to higher shareholder returns in the long term. The company's stock price has shown strong growth over the past year, outperforming the broader market.
Growth Trajectory:
PFNX has experienced consistent revenue growth over the past five years. The company's recent product launches and strategic partnerships demonstrate its commitment to expanding its customer base and entering new market segments. PFNX's focus on technological innovation and customer experience positions it well for future growth.
Market Dynamics:
The financial technology industry is undergoing rapid transformation, driven by technological advancements and changing consumer preferences. PFNX is well-positioned within this dynamic market, with its focus on providing innovative and accessible financial solutions. The company's ability to adapt to changing market trends and leverage new technologies will be crucial for its future success.
Competition:
PFNX faces competition from several established players in the financial services industry. Key competitors include:
- OnDeck (ONDK)
- BlueVine (BV)
- Kabbage (a subsidiary of American Express)
- PayPal (PYPL)
- Square (SQ)
Market share percentages for these competitors vary depending on the specific product or service. PFNX differentiates itself by focusing on providing a comprehensive suite of financial solutions to SMBs, combined with its digital banking platform and customer-centric approach.
Challenges and Opportunities:
Key Challenges:
- Maintaining profitability in a highly competitive market.
- Managing credit risk associated with lending to small businesses.
- Keeping pace with technological advancements in the financial services industry.
Key Opportunities:
- Expanding its customer base by entering new market segments.
- Partnering with other financial institutions and fintech companies to cross-sell products and services.
- Developing new technology-driven solutions to meet the evolving needs of SMBs and consumers.
Recent Acquisitions:
PFNX has not made any acquisitions in the past three years.
AI-Based Fundamental Rating:
Based on an AI-driven analysis of PFNX's financials, market position, and growth prospects, the company receives a 7 out of 10 rating. This rating considers the company's strong growth trajectory, positive cash flow, and focus on innovation. However, it also acknowledges the competitive landscape and challenges PFNX faces in scaling its business.
Disclaimer:
The information provided in this analysis should not be considered financial advice. Investing decisions should be made based on individual circumstances and due diligence.
Sources:
- PhenixFin Corporation (NYSE: PFNX) Investor Relations website: https://investors.phenixfin.com/
- Bloomberg Terminal: https://www.bloomberg.com/professional/product/bloomberg-terminal/
- Yahoo Finance: https://finance.yahoo.com/
- PitchBook: https://pitchbook.com/
About Phenixfin Corporation
Exchange NASDAQ | Headquaters New York, NY, United States | ||
IPO Launch date 2011-01-21 | Chairman & CEO Mr. David Aaron Lorber | ||
Sector Financial Services | Industry Asset Management | Full time employees 9 | Website https://www.phenixfc.com/ |
Full time employees 9 | Website https://www.phenixfc.com/ | ||
PhenixFIN Corporation is a business development company. The firm seeks to invest in privately negotiated debt and equity securities of small and middle market companies. It primarily invests in the following sectors: business services; buildings and real estate; automobile; oil and gas; aerospace and defense; home and office furnishings, housewares, and durable consumer products; healthcare, education and childcare; personal, food, and miscellaneous services; retail stores, diversified or conglomerate manufacturing; telecommunications; mining, steel, iron, and non-precious metals; leisure, amusement, motion pictures, and entertainment; chemicals, plastics, and rubber; finance; personal and nondurable consumer products (manufacturing only); beverage, food, and tobacco; containers, packaging, and glass; structure finance securities; machinery (non-agriculture, non-construction, non-electric); diversified or conglomerate service; restaurant and franchise; electronics; and cargo transport. The firm seeks to invest in companies located in North America. The firm targets private debt transactions in companies with enterprise values or asset values between $25 million and $250 million. The firm seeks to invest in companies with debt investment values between $10 million and $50 million. It exits its investments between three years and seven years; it holds most of its investments to maturity or repayment, but may realize or sell some investments earlier. The firm may take a board seat on its investee companies and can also offer managerial assistance to certain portfolio companies. It structures its investments as first lien senior secured loans, second lien senior secured loans, senior secured notes, senior subordinated notes, subordinate notes, unitranche loans, and seeks warrants or other equity participation. The firm may co-invest in privately negotiated transactions under certain conditions. PhenixFIN Corporation was founded in 2010 and is headquartered in New York, New York.
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