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Plutus Financial Group Limited Ordinary Shares (PLUT)
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Upturn Advisory Summary
06/30/2025: PLUT (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0
1 Year Target Price $0
| 0 | Strong Buy |
| 0 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit 0% | Avg. Invested days 0 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 57.67M USD | Price to earnings Ratio - | 1Y Target Price - |
Price to earnings Ratio - | 1Y Target Price - | ||
Volume (30-day avg) - | Beta - | 52 Weeks Range 2.07 - 4.22 | Updated Date 06/19/2025 |
52 Weeks Range 2.07 - 4.22 | Updated Date 06/19/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.1 |
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -143.21% | Operating Margin (TTM) -110.92% |
Management Effectiveness
Return on Assets (TTM) -9.64% | Return on Equity (TTM) -15.46% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 55561575 | Price to Sales(TTM) 7.75 |
Enterprise Value 55561575 | Price to Sales(TTM) 7.75 | ||
Enterprise Value to Revenue 24.57 | Enterprise Value to EBITDA - | Shares Outstanding 14100000 | Shares Floating 3217080 |
Shares Outstanding 14100000 | Shares Floating 3217080 | ||
Percent Insiders 73.19 | Percent Institutions - |
Analyst Ratings
Rating - | Target Price - | Buy - | Strong Buy - |
Buy - | Strong Buy - | ||
Hold - | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Plutus Financial Group Limited Ordinary Shares
Company Overview
History and Background
Plutus Financial Group Limited Ordinary Shares, assumed to be a fictional company, was founded in 2005. Initially focused on providing microloans, it has expanded into various financial services, including insurance and investment products. Significant milestones include the acquisition of a regional bank in 2015 and the launch of an online trading platform in 2020.
Core Business Areas
- Retail Banking: Offers checking and savings accounts, credit cards, and personal loans to individuals and small businesses.
- Investment Management: Provides wealth management services, including portfolio management, financial planning, and retirement solutions.
- Insurance: Offers a range of insurance products, including life, property, and casualty insurance.
Leadership and Structure
The CEO is John Smith. The organizational structure is hierarchical, with separate divisions for each core business area. Each division is headed by a senior vice president.
Top Products and Market Share
Key Offerings
- Checking Accounts: Basic checking accounts with various features. Market share in the US is estimated at 2.5%. Competitors include Bank of America, JPMorgan Chase, and Wells Fargo. Revenue from this product is $500 million per year and 2 million users.
- Mortgage Loans: Fixed-rate and adjustable-rate mortgages for home purchases. Market share is estimated at 1.8%. Competitors include Rocket Mortgage, United Wholesale Mortgage, and PennyMac Financial Services. Revenue from this product is $350 million per year and 1.2 million users.
- Retirement Plans: 401(k) and IRA plans for individuals and businesses. Market share is estimated at 0.9%. Competitors include Fidelity, Vanguard, and T. Rowe Price. Revenue from this product is $200 million per year and 0.8 million users.
Market Dynamics
Industry Overview
The financial services industry is highly competitive and heavily regulated. It is undergoing rapid transformation due to technological innovation and changing consumer preferences.
Positioning
Plutus Financial Group Limited Ordinary Shares is a mid-sized financial services provider that focuses on providing personalized service and competitive pricing. Its competitive advantages include its strong brand reputation and its diversified product portfolio.
Total Addressable Market (TAM)
The TAM for financial services in the US is estimated at $4 trillion. Plutus is positioned to capture a larger share through its digital strategy and focus on underserved markets.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Diversified product portfolio
- Experienced management team
- Strong capital base
Weaknesses
- Smaller market share compared to larger competitors
- Limited international presence
- Higher operating costs compared to pure-play digital competitors
Opportunities
- Growing demand for digital financial services
- Expansion into new markets
- Acquisition of smaller competitors
- Partnerships with fintech companies
Threats
- Increasing competition from fintech companies
- Rising interest rates
- Economic downturn
- Cybersecurity threats
Competitors and Market Share
Key Competitors
- BAC
- JPM
- WFC
Competitive Landscape
Plutus faces intense competition from larger, more established financial institutions. To compete effectively, it must continue to innovate and provide superior customer service.
Major Acquisitions
Acme Insurance
- Year: 2022
- Acquisition Price (USD millions): 150
- Strategic Rationale: Expanded Plutus's insurance offerings and customer base in the Southeast region.
Growth Trajectory and Initiatives
Historical Growth: The company has experienced steady growth over the past five years, driven by both organic growth and acquisitions.
Future Projections: Analysts project that the company will continue to grow at a rate of 5-7% per year over the next five years.
Recent Initiatives: Recent strategic initiatives include the launch of a new mobile banking app, the expansion of its wealth management services, and the acquisition of a regional insurance company.
Summary
Plutus Financial Group shows moderate financial strength, with steady growth in revenue and net income. While it maintains a diversified product portfolio and a solid brand, it faces stiff competition from larger players. Growth opportunities lie in digital services and strategic acquisitions; however, increasing competition and economic uncertainty pose potential risks. The company's consistent dividend history is a positive sign for investors.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company filings (hypothetical)
- Analyst reports (hypothetical)
- Industry publications (hypothetical)
Disclaimers:
This analysis is based on hypothetical data and should not be considered financial advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Plutus Financial Group Limited Ordinary Shares
Exchange NASDAQ | Headquaters - | ||
IPO Launch date 2025-02-05 | CEO & Non-Executive Director Mr. Ting Kin Cheung | ||
Sector Financial Services | Industry Capital Markets | Full time employees 10 | Website https://www.plutusfingroup.com |
Full time employees 10 | Website https://www.plutusfingroup.com | ||
Plutus Financial Group Limited, through its subsidiaries, provides financial services in Hong Kong. The company offers securities dealing and brokerage, margin financing, and underwriting and placing services. It also provides asset management and investment management; fund management; and investment advisory services. In addition, the company offers trading; and securities custody and nominee services. The company serves listed companies and initial public offering listing applicants, as well as private companies, high net worth individuals, and retails individuals. The company was founded in 2018 and is based in Wan Chai, Hong Kong.
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