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Fintel PLC (GB:FNTL)
LSE:FNTL
UK Market

Fintel PLC (FNTL) Ratios

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Fintel PLC Ratios

GB:FNTL's free cash flow for Q4 2025 was £0.24. For the 2025 fiscal year, GB:FNTL's free cash flow was decreased by £ and operating cash flow was £0.24. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
1.18 1.18 0.79 1.08 1.25
Quick Ratio
1.18 1.18 0.79 1.08 1.25
Cash Ratio
0.63 0.63 0.23 0.60 0.67
Solvency Ratio
0.14 0.16 0.17 0.26 0.52
Operating Cash Flow Ratio
0.60 0.56 0.22 0.59 0.82
Short-Term Operating Cash Flow Coverage
27.50 25.50 0.00 0.00 0.00
Net Current Asset Value
£ -52.20M£ -52.20M£ -45.30M£ -21.40M£ -2.40M
Leverage Ratios
Debt-to-Assets Ratio
0.26 0.26 0.19 0.09 0.02
Debt-to-Equity Ratio
0.46 0.46 0.31 0.12 0.02
Debt-to-Capital Ratio
0.32 0.32 0.24 0.11 0.02
Long-Term Debt-to-Capital Ratio
0.31 0.31 0.23 0.09 0.00
Financial Leverage Ratio
1.81 1.81 1.66 1.43 1.27
Debt Service Coverage Ratio
5.83 6.08 5.96 15.63 35.75
Interest Coverage Ratio
5.23 5.97 4.04 12.63 32.25
Debt to Market Cap
0.27 0.22 0.11 0.04 0.00
Interest Debt Per Share
0.49 0.50 0.33 0.13 0.03
Net Debt to EBITDA
1.29 1.25 1.63 >-0.01 -0.64
Profitability Margins
Gross Profit Margin
23.63%21.65%23.88%26.04%24.51%
EBIT Margin
21.42%20.84%12.90%16.02%19.25%
EBITDA Margin
28.17%29.22%20.05%22.65%24.96%
Operating Profit Margin
18.28%20.84%12.39%15.56%19.40%
Pretax Profit Margin
11.41%11.41%9.83%14.79%18.65%
Net Profit Margin
7.33%7.33%7.54%10.94%14.74%
Continuous Operations Profit Margin
7.68%7.68%8.05%11.40%15.19%
Net Income Per EBT
64.29%64.29%76.62%73.96%79.03%
EBT Per EBIT
62.42%54.75%79.38%95.05%96.12%
Return on Assets (ROA)
3.31%3.31%3.49%4.82%7.90%
Return on Equity (ROE)
6.10%6.01%5.80%6.92%10.07%
Return on Capital Employed (ROCE)
9.64%11.00%6.86%8.02%12.29%
Return on Invested Capital (ROIC)
6.47%7.38%5.59%6.16%9.97%
Return on Tangible Assets
14.35%14.35%19.60%24.48%34.03%
Earnings Yield
3.55%2.92%2.10%2.70%4.58%
Efficiency Ratios
Receivables Turnover
5.80 5.80 6.75 7.38 6.58
Payables Turnover
2.93 3.00 41.87 27.50 29.06
Inventory Turnover
0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
27.71 27.71 23.03 19.09 19.56
Asset Turnover
0.45 0.45 0.46 0.44 0.54
Working Capital Turnover Ratio
190.89 -171.80 -37.29 20.28 28.91
Cash Conversion Cycle
-61.75 -58.60 45.36 36.22 42.87
Days of Sales Outstanding
62.89 62.89 54.07 49.49 55.44
Days of Inventory Outstanding
0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
124.63 121.49 8.72 13.27 12.56
Operating Cycle
62.89 62.89 54.07 49.49 55.44
Cash Flow Ratios
Operating Cash Flow Per Share
0.16 0.15 0.06 0.12 0.15
Free Cash Flow Per Share
0.16 0.14 <0.01 0.07 0.13
CapEx Per Share
<0.01 <0.01 0.05 0.05 0.02
Free Cash Flow to Operating Cash Flow
0.98 0.98 0.08 0.62 0.88
Dividend Paid and CapEx Coverage Ratio
3.93 3.64 0.66 1.51 3.00
Capital Expenditure Coverage Ratio
55.00 51.00 1.09 2.60 8.21
Operating Cash Flow Coverage Ratio
0.34 0.31 0.19 0.99 7.09
Operating Cash Flow to Sales Ratio
0.19 0.18 0.08 0.19 0.23
Free Cash Flow Yield
9.15%6.95%0.18%2.93%6.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
28.14 34.23 47.60 36.99 21.85
Price-to-Sales (P/S) Ratio
2.06 2.51 3.59 4.05 3.22
Price-to-Book (P/B) Ratio
1.69 2.06 2.76 2.56 2.20
Price-to-Free Cash Flow (P/FCF) Ratio
10.93 14.38 561.69 34.10 15.63
Price-to-Operating Cash Flow Ratio
10.74 14.10 45.30 21.01 13.72
Price-to-Earnings Growth (PEG) Ratio
18.60 5.11 -2.86 -1.30 -0.54
Price-to-Fair Value
1.69 2.06 2.76 2.56 2.20
Enterprise Value Multiple
8.61 9.84 19.52 17.86 12.26
Enterprise Value
208.43M 246.98M 306.45M 262.50M 203.51M
EV to EBITDA
8.61 9.84 19.52 17.86 12.26
EV to Sales
2.43 2.88 3.91 4.04 3.06
EV to Free Cash Flow
12.87 16.47 612.89 34.09 14.85
EV to Operating Cash Flow
12.63 16.14 49.43 21.00 13.05
Tangible Book Value Per Share
-0.39 -0.39 -0.36 -0.15 0.03
Shareholders’ Equity Per Share
1.01 1.01 0.98 0.98 0.94
Tax and Other Ratios
Effective Tax Rate
0.33 0.33 0.18 0.23 0.19
Revenue Per Share
0.82 0.82 0.75 0.62 0.64
Net Income Per Share
0.06 0.06 0.06 0.07 0.09
Tax Burden
0.64 0.64 0.77 0.74 0.79
Interest Burden
0.53 0.55 0.76 0.92 0.97
Research & Development to Revenue
0.04 <0.01 0.00 0.03 <0.01
SG&A to Revenue
0.00 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
<0.01 0.00 0.01 0.02 0.02
Income Quality
2.62 2.43 0.98 1.76 1.54
Currency in GBP