Tern Plc (TERNF) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Tern Plc (TERNF) trades at $0.06092. Tern Plc is a venture capital firm that invests in software companies, focusing on IoT security, AI, ML, VR/AR, and data science. Market cap: $33.2M, Sector: Technology.
Price as of Aug 21, 2026 · Last analyzed: Mar 16, 2026Analyst Coverage for TERNF: TERNF does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates TERNF against Technology peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
TERNF: 2/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Tern Plc (TERNF) Technology Profile & Competitive Position
Tern Plc, a UK-based venture capital firm, specializes in early-stage investments within the software sector, particularly targeting companies focused on IoT security, artificial intelligence, machine learning, and virtual/augmented reality. With a focus on UK-based ventures, Tern Plc seeks to capitalize on emerging technology trends in healthcare and industrial applications.
What Is the Investment Thesis for TERNF?
Tern Plc presents a unique investment proposition as a venture capital firm specializing in high-growth software companies. The firm's focus on emerging technologies like AI, ML, and IoT security positions it to benefit from the increasing demand for these solutions across various industries. However, the company's negative P/E ratio of -1.46 and a significant negative profit margin of -7033.6% indicate potential challenges in achieving profitability. Key value drivers include successful exits from its portfolio companies and the ability to identify and nurture promising early-stage ventures. The small market cap of $33.2M suggests a high-risk, high-reward investment profile. Monitoring the performance of its portfolio companies and the overall market sentiment towards venture capital investments will be crucial in assessing Tern Plc's long-term potential.
Based on FMP financials and quantitative analysis
TERNF Key Highlights
Market Cap of $33.2M reflects its small size within the venture capital landscape.
- P/E Ratio of -1.46 indicates the company is currently not profitable.
- Profit Margin of -7033.6% highlights significant challenges in achieving profitability.
- Gross Margin of 100.0% suggests strong revenue generation from its investments, but high operating costs.
- Focus on high-growth sectors like AI, ML, and IoT positions it to capitalize on emerging technology trends.
Who Are TERNF's Competitors?
TERNF is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| CINGF Coinsilium Group Limited | $0.03 | +19.25% | $15.5M | 36 |
| DUBRF Dubber Corporation Limited | $0.01 | +0.00% | $29.8M | 43 |
| GARLF Roxmore Resources Inc. | $2.73 | +1.11% | $83.3M | 47 |
| IONI I-ON Digital Corp. | $0.15 | +0.76% | $5.02M | 39 |
| RSASF RESAAS Services Inc. | $0.31 | +6.90% | $26.1M | 69 |
| IDN Intellicheck, Inc. | $2.96 | -3.10% | $60.0M | 78 |
| WFCF Where Food Comes From, Inc. | $13.05 | +4.40% | $65.8M | 71 |
| RSSS Research Solutions, Inc. | $2.20 | -0.45% | $73.6M | 75 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are TERNF's Key Strengths?
Specialized focus on high-growth technology sectors.
- Strong network of industry contacts and advisors.
- Hands-on approach to supporting portfolio companies.
- Established presence in the UK venture capital market.
What Are TERNF's Weaknesses?
Small market capitalization limits investment capacity.
- Negative profitability and high operating costs.
- Concentration of investments in the UK market.
- Dependence on successful exits for revenue generation.
What Could Drive TERNF Stock Higher?
Successful exits from portfolio companies, generating significant returns for Tern Plc.
- Continued investment in high-growth technology sectors, driving portfolio value.
- Expansion of portfolio into new geographic markets, increasing diversification.
- Strategic partnerships and collaborations, enhancing access to deal flow and expertise.
What Are the Key Risks for TERNF?
Negative return on equity (-59.3%) — the business is not currently generating profit on shareholder capital.
- Economic downturn impacting technology investments and valuations.
- Increased competition from other venture capital firms.
- Failure of portfolio companies to achieve growth targets.
- Limited liquidity in the OTC market, leading to price volatility.
- Negative profitability and high operating costs.
What Are the Growth Opportunities for TERNF?
- Expansion into new geographic markets: Tern Plc can explore opportunities to invest in software companies beyond the United Kingdom, particularly in regions with strong technology ecosystems and high growth potential. This could involve establishing partnerships with local venture capital firms or setting up satellite offices in key markets.
- Increasing investment in existing portfolio companies: Tern Plc can provide follow-on funding to its existing portfolio companies to support their growth and expansion. This can help these companies scale their operations, enter new markets, and develop new products and services. The success of its portfolio companies will directly contribute to Tern Plc's overall performance and valuation.
- Developing new investment strategies: Tern Plc can explore new investment strategies, such as investing in companies at earlier stages of development or focusing on specific sub-sectors within the software industry. This can help the firm diversify its portfolio and capture new growth opportunities. For example, the firm could focus on investing in companies developing AI-powered solutions for the healthcare sector.
- Leveraging partnerships and collaborations: Tern Plc can collaborate with other venture capital firms, technology companies, and research institutions to access new deal flow, share expertise, and accelerate the growth of its portfolio companies. These partnerships can provide access to new markets, technologies, and talent. For example, Tern Plc could partner with a leading AI research lab to identify promising AI startups.
- Exiting investments through strategic acquisitions or IPOs: Tern Plc can generate significant returns by successfully exiting its investments through strategic acquisitions or initial public offerings (IPOs). The firm's ability to identify and nurture promising companies will be crucial in attracting potential acquirers or investors. The market for technology IPOs is expected to remain strong in the coming years, providing opportunities for Tern Plc to realize its investments.
What Are TERNF's Competitive Advantages?
- Specialized focus on emerging technologies provides expertise and deal flow.
- Strong network of industry contacts and advisors.
- Hands-on approach to supporting portfolio companies.
- Established track record of successful investments.
What Does TERNF Do?
Tern Plc, formerly Silvermere Energy plc, is a venture capital firm headquartered in London, United Kingdom. The firm focuses on providing growth capital to software companies, with a particular emphasis on those operating in the IoT security, Artificial Intelligence (AI), Machine Learning (ML), Virtual/Augmented Reality (VR/AR), and Data Science sectors. These solutions often cater to the healthcare and industrial sectors, reflecting Tern Plc's strategic investment priorities. Founded with the aim of identifying and nurturing promising technology ventures, Tern Plc leverages its expertise to support the growth of its portfolio companies. The firm's investment strategy is centered around companies based in the United Kingdom, allowing it to maintain close oversight and provide targeted support to its investments. Tern Plc's evolution from Silvermere Energy plc to a technology-focused venture capital firm highlights its adaptability and commitment to capitalizing on emerging market opportunities. The company currently has a small team of 7 employees.
What Products and Services Does TERNF Offer?
- Invests in early-stage software companies.
- Focuses on IoT security, AI, ML, VR/AR, and Data Science.
- Provides growth capital to its portfolio companies.
- Targets companies based in the United Kingdom.
- Supports companies in the healthcare and industrial sectors.
- Offers strategic guidance and operational support to its investments.
How Does TERNF Make Money?
- Generates revenue through capital gains from successful exits of portfolio companies.
- Earns management fees from the funds it manages.
- Increases the value of its assets under management (AUM) through successful investments.
- Attracts new investors and capital based on its track record and expertise.
What Industry Does TERNF Operate In?
Tern Plc operates within the competitive venture capital industry, which is characterized by high growth potential and significant risk. The increasing demand for software solutions in areas like IoT security, AI, and ML is driving growth in the sector. Tern Plc's focus on UK-based companies allows it to tap into the local talent pool and benefit from government support for technology innovation. Competitors include other venture capital firms and angel investors targeting similar sectors. The firm's ability to differentiate itself through its specialized focus and hands-on approach will be crucial for success.
Who Are TERNF's Key Customers?
- Early-stage software companies seeking growth capital.
- Institutional investors looking for exposure to high-growth technology ventures.
- High-net-worth individuals interested in venture capital investments.
Key Financial Metrics
Return on equity for Tern Plc stands at -59.3%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -68.0%, showing how much profit it generates from its asset base. Its free cash flow yield is -9.2%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.68 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -58.8%, the inverse of the P/E and a quick read on earnings relative to price.
TERNF Valuation & Market Position
With a $33.2M market cap, Tern Plc sits in the micro-cap segment of the market.
Company Profile
Tern Plc operates in the Software - Application industry within the Technology sector. It is headquartered in London, GB. The company is led by CEO Albert Ernest Sisto. TERNF has traded publicly since 2019.
TERNF Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2024
Bull Case vs Bear Case
Bull Case
- Specialized focus on high-growth technology sectors.
- Strong network of industry contacts and advisors.
- Hands-on approach to supporting portfolio companies.
- Established presence in the UK venture capital market.
Bear Case
- Small market capitalization limits investment capacity.
- Negative profitability and high operating costs.
- Concentration of investments in the UK market.
- Dependence on successful exits for revenue generation.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
TERNF Latest News
No recent news available for TERNF.
TERNF Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for TERNF.
Price Targets
Wall Street price target analysis for TERNF.
TERNF MoonshotScore
What does this score mean?
The MoonshotScore rates TERNF 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Albert Ernest Sisto
CEO
Albert Ernest Sisto serves as the CEO of Tern Plc, leading a team of 7 employees. His background includes extensive experience in venture capital and technology investments. Sisto's expertise lies in identifying and nurturing early-stage companies with high growth potential. He has a proven track record of successfully exiting investments and generating returns for shareholders. His leadership is focused on driving innovation and creating value within the technology sector.
Track Record: Under Albert Ernest Sisto's leadership, Tern Plc has focused on investing in software companies specializing in IoT security, AI, ML, VR/AR, and Data Science. Key achievements include expanding the firm's portfolio and supporting the growth of its portfolio companies. Sisto has overseen strategic decisions related to investment allocation and portfolio management, contributing to the firm's overall performance.
TERNF OTC Market Information
The OTC Other tier represents the lowest tier of the OTC market, indicating that Tern Plc may not meet the minimum financial standards or reporting requirements of higher tiers like OTCQX or OTCQB. Companies in this tier may have limited financial disclosure, making it more difficult for investors to assess their financial health and performance. Investing in companies on the OTC Other tier carries a higher degree of risk compared to those listed on major exchanges like the NYSE or NASDAQ due to the lack of regulatory oversight and transparency.
- OTC Tier: OTC Other
- Limited financial disclosure increases the risk of investing in TERNF.
- Low trading volume can lead to price volatility and difficulty in executing trades.
- Lack of regulatory oversight compared to major exchanges.
- Potential for fraud or manipulation due to limited transparency.
- Higher risk of delisting or suspension of trading.
- Verify the company's financial statements and disclosures.
- Research the company's management team and their track record.
- Assess the company's business model and competitive landscape.
- Evaluate the company's growth prospects and potential risks.
- Understand the regulatory environment and potential compliance issues.
- Monitor the company's trading volume and price volatility.
- Consult with a financial advisor before investing.
- Focus on high-growth technology sectors like AI and IoT.
- Presence in the UK venture capital market.
- Experienced management team with a track record in venture capital.
- Investments in companies with innovative technologies.
- Publicly available information about the company's operations and investments.
What Investors Ask About Tern Plc (TERNF) — Technology
What does Tern Plc do?
Tern Plc is a venture capital firm that specializes in investing in early-stage software companies. The firm focuses on high-growth sectors such as IoT security, Artificial Intelligence (AI), Machine Learning (ML), Virtual/Augmented Reality (VR/AR), and Data Science. Tern Plc provides growth capital and strategic support to its portfolio companies, primarily targeting ventures based in the United Kingdom.
What do analysts say about TERNF stock?
As of 2026-03-16, there is no readily available analyst consensus on TERNF stock due to its OTC listing and small market capitalization. Key valuation metrics, such as the P/E ratio (-1.46) and profit margin (-7033.6%), suggest that the company is currently not profitable.
What are the main risks for TERNF?
The main risks for TERNF include the limited liquidity associated with its OTC listing, which can lead to price volatility and difficulty in executing trades. The company's negative profitability and high operating costs pose challenges to its financial sustainability.
What are the key factors to evaluate for TERNF?
Evaluate TERNF on fundamentals, analyst consensus, and risk factors. Tern Plc presents a unique investment proposition as a venture capital firm specializing in high-growth software companies. Not financial advice.
How frequently does TERNF data refresh on this page?
TERNF's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven TERNF's recent stock price performance?
Tern Plc (TERNF) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Specialized focus on high-growth technology sectors. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider TERNF overvalued or undervalued right now?
Tern Plc (TERNF) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research TERNF before investing?
Before investing in Tern Plc (TERNF), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on available data and may be subject to change.
- OTC market investments carry higher risks than exchange-listed securities.