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Fintel PLC (GB:FNTL)
LSE:FNTL
UK Market
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Fintel PLC (FNTL) Price & Analysis

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FNTL Stock Chart & Stats

212.50 p
1.50 p(0.58%)
At close: 4:00 PM EST
212.50 p
1.50 p(0.58%)

Bulls Say, Bears Say

Bulls Say
Revenue And Operating Margin ImprovementSustained top-line growth to £85.9m in 2025 alongside materially improved operating/EBITDA margins indicates the core adviser services and subscription model are scaling. This supports durable cash generation and operating leverage if the firm maintains service retention and pricing discipline over the next 2–6 months.
Strong Free Cash Flow RecoveryA sharp rebound in free cash flow to £15.0m demonstrates improved cash conversion and earnings quality, reducing refinancing pressure and enabling reinvestment or deleveraging. If sustained, this strengthens liquidity and financial flexibility over the medium term beyond transient timing effects.
Solid Equity BaseA sizeable equity base relative to assets provides a buffer against cyclical shocks and supports capital deployment for product development or M&A in the adviser/fintech market. This structural solvency helps preserve strategic optionality and long-term stability for stakeholders.
Bears Say
Rising LeverageRapid increase in debt elevates financial risk and reduces flexibility to weather margin or revenue downticks. Higher leverage amplifies refinancing and interest-rate sensitivity, making consistent cash generation and margin stability essential to avoid pressure on credit metrics and strategy execution.
Compressed Net Margins Versus Prior PeaksLower net margin relative to historical peaks suggests weaker bottom-line conversion even with better operating margins. Structural pressure on net profitability could limit reinvestment, dividend capacity, and long-term ROE unless management demonstrates sustainable cost control or pricing improvements.
Volatile Cash Conversion / Working-capital SwingsSignificant year-to-year swings in cash conversion point to working-capital or timing volatility that can disrupt funding for growth or debt servicing. Reliance on unpredictable cash flow patterns increases operational risk and complicates planning for recurring subscription investments or M&A.

Fintel PLC News

FNTL FAQ

What was Fintel PLC’s price range in the past 12 months?
Fintel PLC lowest share price was 158.00 p and its highest was 278.00 p in the past 12 months.
    What is Fintel PLC’s market cap?
    Fintel PLC’s market cap is £188.59M.
      When is Fintel PLC’s upcoming earnings report date?
      Fintel PLC’s upcoming earnings report date is Sep 22, 2026 which is in 99 days.
        How were Fintel PLC’s earnings last quarter?
        Fintel PLC released its earnings results on Mar 17, 2026. The company reported 0.037 p earnings per share for the quarter, beating the consensus estimate of N/A by 0.037 p.
          Is Fintel PLC overvalued?
          According to Wall Street analysts Fintel PLC’s price is currently Overvalued. Get more investment ideas with TipRanks Premium
            Does Fintel PLC pay dividends?
            Fintel PLC pays a Notavailable dividend of 2.5 p which represents an annual dividend yield of 1.83%. See more information on Fintel PLC dividends here
              What is Fintel PLC’s EPS estimate?
              Fintel PLC’s EPS estimate for its next earnings report is not yet available.
              How many shares outstanding does Fintel PLC have?
              Fintel PLC has 104,193,280 shares outstanding.
                What happened to Fintel PLC’s price movement after its last earnings report?
                Fintel PLC reported an EPS of 0.037 p in its last earnings report, beating expectations of N/A. Following the earnings report the stock price went down -3.158%.
                  Which hedge fund is a major shareholder of Fintel PLC?
                  Currently, no hedge funds are holding shares in GB:FNTL
                  What is the TipRanks Smart Score and how is it calculated?
                  Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology

                    Fintel PLC Stock Smart Score

                    2
                    Underperform
                    1
                    2
                    3
                    4
                    5
                    6
                    7
                    8
                    9
                    10

                    Technicals

                    SMA
                    Negative
                    20 days / 200 days
                    Momentum
                    -14.93%
                    12-Months-Change

                    Fundamentals

                    Return on Equity
                    6.10%
                    Trailing 12-Months
                    Asset Growth
                    12.42%
                    Trailing 12-Months

                    Company Description

                    Fintel PLC

                    Fintel Plc, a company established in 2002 and headquartered in Huddersfield, UK, is a key provider of support services and market access within the United Kingdom's retail financial services sector. Operating under its current name since March 2021, having previously been known as The SimplyBiz Group plc, Fintel's activities are structured across three primary divisions: Intermediary Services, Distribution Channels, and Fintech & Research. The Intermediary Services segment specializes in offering essential compliance and regulatory guidance to a diverse range of directly authorized financial intermediary firms, including independent financial advisors, mortgage professionals, workplace benefits consultants, and wealth management experts. Through its Distribution Channels segment, Fintel facilitates market engagement for financial institutions. This involves providing strategic marketing and promotional support, aiding in product placement on approved panels, and engaging in co-manufacturing initiatives. Additionally, this segment conducts vital survey paneling and surveying activities specifically for mortgage lenders. The robust Fintech & Research division stands out with its advanced Fintech platform, serving approximately 8,000 users across 3,300 companies. It is also a key source of independent ratings for an extensive portfolio of 21,000 financial products and investment funds, with its assessments trusted by 250 brands. This division further empowers product providers by supplying critical market insights, expertise in product design and compliance, and targeted distribution strategies. For intermediaries, it delivers tools for comprehensive product research and comparison, cutting-edge financial planning and advice technology, and streamlined centralized data and workflow solutions. Finally, consumers benefit from its offerings through informative product education, comparative analysis, and clear rating services.

                    Fintel PLC (FNTL) Earnings & Revenues

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