Finseta (LSE:FIN) ROE % Adjusted to Book Value: -18.80% (As of Dec. 2025)


LSE:FIN Finseta PLC LSE:FIN
43 GF Score
Price £0.12
GF Value £0.40
Valuation Possible Value Trap
! 2 Warning Signs
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What is Finseta ROE % Adjusted to Book Value?

Finseta LSE:FIN 43 ROE % Adjusted to Book Value is -18.80% as of Dec. 2025. GuruFocus rates LSE:FIN with a GF Score™ of 43/100 and a GF Value™ of £0.40 (Possible Value Trap). The stock has 2 warning signs investors should review.

Finseta's ROE % for the quarter that ended in Dec. 2025 was -71.06%. Finseta's PB Ratio for the quarter that ended in Dec. 2025 was 3.78. Finseta's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was -18.80%.

Finseta ROE % Adjusted to Book Value Related Terms

Finseta ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Finseta's ROE % Adjusted to Book Value can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Finseta ROE % Adjusted to Book Value Chart

Finseta Annual Data
Trend Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial -299.11 0.00 34.37 6.45 -11.47

Finseta Semi-Annual Data
Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
ROE % Adjusted to Book Value Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 51.60 5.74 6.21 -2.27 -18.80

LSE:FIN vs MSFT, ORCL, PLTR: ROE % Adjusted to Book Value Comparison

For the Software - Infrastructure subindustry, Finseta's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Finseta ROE % Adjusted to Book Value vs Software Industry

For the Software industry and Technology sector, Finseta's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Finseta's ROE % Adjusted to Book Value falls into.


LSE:FIN
43GF Score
Finseta PLC LSE:FIN
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Finseta ROE % Adjusted to Book Value Calculation

Finseta's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-43.34% / 3.78
=-11.47%

Finseta's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=-71.06% / 3.78
=-18.80%

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

What does a ROE % Adjusted to Book Value of -18.80% mean?
Finseta (LSE:FIN) has a ROE % Adjusted to Book Value of -18.80% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Finseta and its competitors.
Is Finseta's ROE % Adjusted to Book Value too high?
Finseta's current ROE % Adjusted to Book Value is -18.80%. Overall, Finseta has a GF Score™ of 43/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Finseta's ROE % Adjusted to Book Value compare to MSFT and ORCL?
Finseta's ROE % Adjusted to Book Value of -18.80% can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good ROE % Adjusted to Book Value for a Software company?
A good ROE % Adjusted to Book Value depends on the Software industry context. However, ROE % Adjusted to Book Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Finseta and its competitors. Finseta's current ROE % Adjusted to Book Value is -18.80%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Finseta stock overvalued right now?
Based on GuruFocus' analysis, Finseta (LSE:FIN) is currently considered Possible Value Trap. The stock's GF Value™ is £0.40, compared to a current price of £0.12 — trading 70% below its estimated fair value. The current ROE % Adjusted to Book Value is -18.80%. Finseta's overall GF Score™ is 43/100 with 2 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Finseta (LSE:FIN), the current ROE % Adjusted to Book Value is -18.80% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Finseta (LSE:FIN) Overvalued in 2026?

Based on GuruFocus' analysis, Finseta stock appears to be undervalued. The current stock price of £0.12 is trading 70% below its estimated GF Value™ of £0.40. GuruFocus considers Finseta to be Possible Value Trap.

Key valuation signals for LSE:FIN:

  • ROE % Adjusted to Book Value: -18.80%
  • GF Value™: £0.40 vs. price of £0.12 (70% below fair value)
  • GF Score™: 43/100 with 2 warning signs

No single metric tells the full story. See the LSE:FIN stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Finseta Business Description

Other Exchanges 90W:Germany
Address 14-18 Copthall Avenue, London, GBR, EC2R 7DJ
Finseta PLC is a foreign exchange and payments company offering multi-currency accounts and payment solutions to businesses and individuals. The Group provides international payment, currency management, and electronic account services across several countries in various currencies using its proprietary cloud-based multi-currency payments platform. Additionally, it offers the Finseta Corporate Card, enabling real-time spend tracking, multi-user access, and international transactions. Geographically, the majority of the company's revenue is generated from the United Kingdom, followed by the Rest of the world.
43GF Score

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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£0.12
Price
£0.40
GF Value