Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Cornerstone FS plc provides international payment, currency risk management, and electronic account services using its proprietary cloud-based multicurrency payments platform. The company offers foreign currency exchange and payment services to individuals and businesses. It also offers various lending options, such as import and export, invoice, bridging, asset, property, equity, grant funding, as well as unsecured lending services. The company was founded in 2010 and is based in London, the United Kingdom.
£0.13
+£0.00 (+0.00%)
EOD Jul 3, 2026
Operating margin is thin at 7.72%. Limited cushion if revenue slows or costs rise, not the profile of a wide-moat business.
Revenue up 100.1% YoY with margins expanding 122.9pp.
Even for strong businesses, today's 2x P/E means the stock needs to keep delivering. There's no margin of safety if growth disappoints.
2.0x earnings, 3.0x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£10M
▲ +100.1% YoY
Net Income (TTM)
£2M
▲ +138.0% YoY
Op. Margin
7.72%
▲ +122.9pp YoY
ROIC
21.19%
▲ +351.6pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
£1M
▲ +213.8% YoY
Op. Cash Flow (TTM)
£2M
▲ +237.7% YoY
Net Debt
£636K
Cash & Equiv.
£2M
3Y CAGR: +79.6%
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At a P/E of 2.0 and a price-to-free-cash-flow of 3.0, Cornerstone FS (CSFS.XLON) trades below a two-stage DCF intrinsic value of about £0.75 per share, so at £0.13 the stock looks undervalued (469.5% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Cornerstone FS scores 83/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about £0.75 per share for CSFS.XLON, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around £0.57. At today's £0.13, that puts the stock about 469.5% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Cornerstone FS scores 83 out of 100 on Intrinsiqq's quality score, a weighted blend of 7 metrics each scored 0 to 100, which makes it a high-quality business on these measures. Recent fundamentals include a 7.7% operating margin and a 21.2% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. CSFS.XLON currently trades below its estimated intrinsic value and scores 83/100 on quality (high-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.