RBC Capital upgrades Fineos stock to Outperform on efficiency gains

Published 29/08/2025, 13:54
RBC Capital upgrades Fineos stock to Outperform on efficiency gains

Investing.com - RBC Capital has upgraded Fineos Corporation Holdings plc (ASX:FCL) from Sector Perform to Outperform, while raising its price target to AUD3.50 from AUD2.75.

The upgrade follows Fineos reporting strong annual recurring revenue growth of 11% and announcing an efficiency program aimed at improving margins, with calendar year 2025 costs expected to be below those of 2024.

Fineos delivered a free cash flow result that beat market expectations by 43%, attributed to seasonality factors in the first quarter, although the company maintained its existing free cash flow guidance due to anticipated weakness in the fourth quarter related to the cyclical nature of license subscriptions.

RBC Capital noted that while Fineos lowered its calendar year 2025 guidance toward the bottom of its range due to foreign exchange and macroeconomic headwinds, the outlook for 2026 appears promising as the company prepares to launch its AdminSuite product with Guardian Life.

The analyst firm has increased its EBITDA forecasts for Fineos by 11% and 18% based on expected efficiencies, citing "promising signs into CY26" and anticipating greater investor interest as the company moves into positive free cash flow territory.

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