FIN

Finseta PLC

Industrial Goods and Services First-pass screen £6.52m

350/1000 Overall fit

AI beneficiary 35% 30

Operating leverage 25% 45

Valuation 25% 30

Downside protection 15% 40

First-pass take

Fintech micro-cap (£11.4m revenue) with 26% growth and improving gross margins (65.7%), but no direct AI exposure. Material refinancing risk: £2m loan due July 2026 against £0.6m net cash. OpEx growing faster than revenue growth despite high gross margins.

Flags

micro-capfintechrefinancing-riskgrowth-stageregulatoryno-valuation-data