Sector pending / Personal Credit InstitutionsUpdated 2026-05-10 22:07 UTC

FRA/3I8 stock hub

FRA/3I8 has a live ticker hub with the latest available market, valuation, profitability, growth, ownership, and risk indicators.

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Fair value midpoint

n/a

Fair value pending

Upside to midpoint

n/a

Based on latest report

Confidence

n/a

Data quality and model convergence

Market cap

633M

Frankfurt Stock Exchange

Market data

Price

Recent price action with selectable time range.

FRA/3I8FRA/3I8

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In the news

Latest news · FRA/3I8

Recent company headlines from major financial publishers.

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Calendar

Next earnings

Upcoming earnings date and setup when available.

Upcoming

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Window—

EPS estimate—

Revenue estimate—

Sector context

Where the current metrics sit

Percentiles come from the backend screener cohort cache for the ticker's country and sector.

Forward P/En/a

P25 n/aP50 n/aP75 n/a

Trailing P/E10.2

P25 n/aP50 n/aP75 n/a

ROE10.7

P25 n/aP50 n/aP75 n/a

ROIC8.8

P25 n/aP50 n/aP75 n/a

Benchmarks - 1M

S&P 500n/a

Nasdaq Compositen/a

Dow Jones Industrial Averagen/a

Russell 2000n/a

Indicator catalog

All FRA/3I8 market and fundamental indicators

A searchable catalog of the available market, valuation, profitability, growth, balance-sheet, ownership, and analyst metrics for this ticker.

Available fields

212

Groups with data

Currency

GBP

Showing 212 of 212 available metrics for this ticker.

Profile and market data

Ticker identity, listing, currency, market cap, and source dates.

Metric	Value
Country	United Kingdom
Country code	DE
Employees	8,173
Employees Change	72%
Employees Change Percent	0.87
Enterprise value	EUR 1.3B
Exchange	Frankfurt Stock Exchange
Financial currency	GBP
First seen	2026-05-10
Industry	Personal Credit Institutions
Last refreshed	2026-05-10
Market cap	EUR 633M
Price	EUR 2.84
Price currency	EUR
Rev Per Employee	103,437.58x
Sic	6141
Symbol	fra/3I8
Website	https://www.ipfin.co.uk

Valuation

Multiples, yields, enterprise-value ratios, and valuation checks.

Metric	Value
Earnings Yield	9.82%
EV Earnings	21.55x
EV/EBIT	7.23x
EV/EBITDA	6.58x
EV/FCF	-98.16x
EV/Sales	1.57x
FCF yield	-2.16%
P/B ratio	1.01x
P/E ratio	10.19x
P/S ratio	0.75x
PE Ratio10 Y	6.08x
PE Ratio3 Y	6.26x
PE Ratio5 Y	6.01x

Profitability

Margins, returns on capital, cash conversion, and quality metrics.

Metric	Value
EBIT Margin	21.68%
EBITDA Margin	22.51%
Gross margin	82.81%
Gross Profit	EUR 700M
Gross Profit Growth	3%
Gross Profit Growth Q	6.11%
Gross Profit Growth3 Y	-0.23%
Gross Profit Growth5 Y	1.19%
Net Income	EUR 62.1M
Net Income Growth	-11%
Net Income Growth Q	-43.69%
Net Income Growth3 Y	3.42%
Net Income Growth5 Y	3.93%
Pretax Margin	11.57%
Profit Margin	7.35%
Profit Per Employee	EUR 7,602
ROA	8.06
Roa5y	8.16
ROCE	14.24
ROE	10.71
Roe5y	11.75
ROIC	8.79
Roic5y	10.72

Growth

Revenue, earnings, cash-flow, and forward growth indicators.

Metric	Value
Cagr10y	5.67%
Cagr15y	3.07%
Cagr1y	75.41%
Cagr3y	45.78%
Cagr5y	24.06%
Div CAGR10	-0.72%
Div CAGR3	12.02%
Div CAGR5	42.08%
EPS Growth	-8.88
EPS Growth Q	-42.99
EPS Growth3 Y	4.85
EPS Growth5 Y	4.32
Revenue Growth	1.54x
Revenue Growth Q	9.9x
Revenue Growth3 Y	-0.98x
Revenue Growth5 Y	0.26x

Financial strength

Debt, cash, solvency, accounting-quality, and balance-sheet signals.

Metric	Value
Asset Turnover	EUR 0.6
Assets	EUR 1.5B
Cash	EUR 34.8M
Current Assets	EUR 948.5M
Current Liabilities	EUR 247.6M
Debt	EUR 734M
Debt EBITDA	EUR 3.64
Debt Equity	EUR 1.17
Debt FCF	EUR -53.81
Equity	EUR 625.9M
Interest Coverage	2.24
Liabilities	EUR 907.1M
Long Term Assets	EUR 584.4M
Long Term Liabilities	EUR 659.4M
Net Cash	EUR -699.1M
Net Cash By Market Cap	EUR -110
Net Debt EBITDA	EUR 3.67
Net Debt Equity	EUR 1.12
Tangible Book Value	EUR 538.2M
Tangible Book Value Per Share	EUR 2.45

Liquidity

Current-asset coverage and working-capital efficiency metrics.

Metric	Value
Current ratio	3.83
Net Working Capital	EUR 737.3M
Quick ratio	3.77
Working Capital	EUR 695M
Working Capital Turnover	EUR 1.59

Dividends and buybacks

Dividend yield, payout, buybacks, and shareholder-yield indicators.

Metric	Value
Buyback Yield	2.3%
Dividend Growth	11.49%
Dividend Growth Years	4%
Dividend per share	EUR 0.15
Dividend Years	6
Dividend Yield	5.22%
Ex Div Date	2026-03-26
Last Dividend	EUR 0.1
Payout Frequency	Semi-Annual
Payout Ratio	47.6%

Performance and technicals

Returns, volatility, beta, momentum, RSI, and moving-average context.

Metric	Value
10Y total return	73.5%
1Y total return	75.35%
200-day SMA	2.56
3Y total return	209.89%
50-day SMA	2.86
50-day SMA vs 200-day SMA	50over200
5Y total return	193.83%
All Time High	7.91
All Time High Change	-64.07%
All Time High Date	2013-10-22
All Time Low	0.38
All Time Low Change	639.58%
All Time Low Date	2020-04-24
ATR	0.03
Ch YTD	6.77
High	2.84
High52	3.04
High52 Date	2026-03-17
High52ch	-6.58%
Low	2.84
Low52	1.73
Low52 Date	2025-05-09
Low52ch	66.08%
Ma50ch	-0.66%
Price vs 200-day SMA	10.98%
RSI	49.46
RSI Monthly	73.56
RSI Weekly	65.16
Sharpe ratio	1.63x
Sortino ratio	3.71
Total Return	7.51%
Tr YTD	10.69
Tr15y	57.36%
Tr1m	0.71%
Tr1w	-1.39%
Tr3m	9.05%

Analyst estimates

Ratings, targets, revisions, and forward estimate fields.

Metric	Value
Operating Income	EUR 183.3M
Operating Income Growth	1.01
Operating Income Growth Q	2.17
Operating Income Growth3 Y	-1.46
Operating Income Growth5 Y	0.32
Operating margin	21.68

Ownership and float

Institutional, insider, float, short-interest, and share-count fields.

Metric	Value
Float	170,814,774%
Net Borrowing	76,297,783
Shares Insiders	14.39%
Shares Institutions	91.16%
Shares Qo Q	-0.17%
Shares Yo Y	-2.3%

Other indicators

Additional ticker metrics that do not fit the primary research groupings yet.

Metric	Value
Adjusted FCF	EUR -16M
Average Volume	0x
Bv Per Share	2.85
CAPEX	EUR -8.5M
Ch10y	-8.03
Ch15y	-26.92
Ch1m	0.71
Ch1w	-1.39
Ch1y	66.08
Ch3m	5.19
Ch3y	144.8
Ch5y	95.86
Ch6m	23.48
Change	1.43%
Change From Open	0
Close	2.8
Days Gap	1.43
Depreciation Amortization	7,051,764.8
Earnings Date	2026-07-29
EBIT	EUR 183.3M
EBITDA	EUR 190.3M
EPS	EUR 0.27
F Score	4
FCF	EUR -13.6M
FCF EV Yield	-1.02x
Financing CF	46,654,361
Fiscal Year End	December
Founded	1,997
Goodwill	27,513,443
Graham Number	4.19668
Graham Upside	47.77
Income Tax	EUR 35.6M
Investing CF	-40,349,717
Is Primary Listing	0
Last Earnings Date	2026-02-25
Last Report Date	2025-12-31
Lynch Fair Value	EUR 1.39
Lynch Upside	-50.92
Ma150	2.63
Ma150ch	8.19%
Ma20	2.84
Ma20ch	0.04%
Net CF	3,209,637
Next Earnings Date	2026-07-29
Open	2.84
Payment Date	2026-05-08
Ppne	42,541,794.2
Price Date	2026-05-08
Price EBITDA	EUR 3.33
Ptbv Ratio	1.18
Relative Volume	2,000x
Revenue	845,395,357x
SBC By Revenue	0.28x
Share Based Comp	2,407,227
Tax By Revenue	4.22x
Tax Rate	36.46%
Tr6m	28.01%
Volume	0
Z Score	2.34

Fast facts

Decision checkpoints

A compact product layer over the same report payload.

Risk gate

n/a

Named kill scenarios are reviewed before any bullish rating can stand.

Moat score

n/a

Business quality stays separate from stock attractiveness.

Forward P/E

n/a

Valuation uses the full report model stack, not a single multiple.

Next action

Research pending

Final action steps are kept in the recommendation tab.

Income

FRA/3I8 dividend yield, growth & safety

Yield, payout sustainability, and the multi-year growth streak.

Dividend yield

+5.2%

$0.15 annual per share

Payout ratio

+47.6%

Share of earnings returned as dividends. Below 60% is generally sustainable.

5Y dividend CAGR

+42.1%

4 consecutive years of growth

Total shareholder yield

+7.5%

Next ex-dividend date: 2026-03-26

Performance

FRA/3I8 stock returns vs the market

Total return (incl. dividends) compared to S&P 500.

Ownership

Who owns FRA/3I8?

Insider, institutional, and short-interest positioning.

Institutional ownership

+91.2%

Share of float held by funds and institutions

Insider ownership

+14.4%

Stake held by company insiders. Higher generally signals alignment.

Short interest

n/a

Float sold short by bearish positioning

Y/Y dilution

-2.3%

Negative means the company is buying back shares.

Technical

FRA/3I8 momentum and risk profile

RSI, moving-average stack, beta, and risk-adjusted return.

RSI (14)

49.5

Neutral momentum band

Price vs 200-day MA

+11.0%

50/200-day relationship not available

Beta (5Y)

n/a

Sensitivity to the broader market

Sharpe ratio

1.63

Risk-adjusted return — higher is better; >1.0 is solid.

Questions

About FRA/3I8

Hub-level FAQ points readers to the deeper analysis pages.

What is the current fra/3I8 stock rating?

fra/3I8 is currently shown with the latest rating in the latest report. The hub links directly to the full analysis surface where the rating, fair-value bridge, risks, and scorecard are documented together.

Where can I read the full fra/3I8 analysis?

The full report lives at /stocks/fra/3I8/analysis. The bare ticker page is a product hub that summarizes the latest read and sends readers into the relocated analysis tabs without making the analysis surface depend on the hub.

What fair-value range is used for fra/3I8?

The latest report frames fra/3I8 around the latest fair-value range. Treat that range as the entry point, then check the valuation, sensitivity, and bear-case tabs before making an investment decision.

How often is the fra/3I8 page updated?

The hub updates with the latest published stock report and live backend market data. The analysis pages remain reachable under /analysis, so a hub rollback does not remove the report reader.