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

Fintel PLC (FNTL) AI Stock Analysis

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GB

Fintel PLC

(LSE:FNTL)

Rating:77Outperform
Price Target:
309.00p
▲(12.36%Upside)
Fintel PLC's strong corporate activities and positive technical indicators are the primary strengths, contributing to a favorable stock outlook. However, high valuation metrics and declining cash flow metrics present potential risks.

Fintel PLC (FNTL) vs. iShares MSCI United Kingdom ETF (EWC)

Fintel PLC Business Overview & Revenue Model

Company DescriptionFintel PLC (FNTL) is a leading provider of fintech solutions focused on the financial services sector. The company specializes in offering data analytics, regulatory compliance, and business support services. Fintel aims to empower financial intermediaries, such as advisors and brokers, with innovative tools to enhance their operational efficiency and decision-making processes.
How the Company Makes MoneyFintel PLC primarily generates revenue through subscription-based services and software licensing fees for its analytics and regulatory compliance platforms. The company also earns income from consulting services and training programs designed to optimize the use of its products. Significant partnerships with financial institutions and advisory firms contribute to its earnings, as these collaborations help expand its customer base and enhance the adoption of its solutions.

Fintel PLC Financial Statement Overview

Summary
Fintel PLC demonstrates solid revenue growth and equity stability, but declining profitability and cash flow pose risks. The increase in leverage needs careful management to maintain financial health.
Income Statement
80
Positive
Fintel PLC has demonstrated consistent revenue growth with a 20.65% increase from 2023 to 2024, supported by improving gross profit margins. However, the net profit margin declined due to lower net income, indicating potential cost management issues.
Balance Sheet
75
Positive
The company maintains a strong equity ratio of 60.14% and a manageable debt-to-equity ratio of 0.31. However, the reduction in total equity and increased debt levels over time suggest potential concerns about financial leverage.
Cash Flow
70
Positive
While the operating cash flow remains positive, the free cash flow has decreased significantly, reflecting a 93.51% decline from 2023 to 2024. The company's ability to generate cash relative to net income has weakened, impacting overall liquidity.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
78.30M64.90M66.50M63.90M61.01M
Gross Profit
15.50M16.90M14.20M13.30M12.85M
EBIT
9.70M10.10M12.90M12.80M11.38M
EBITDA
15.70M14.70M16.60M17.20M15.69M
Net Income Common Stockholders
5.90M7.10M9.80M15.40M8.10M
Balance SheetCash, Cash Equivalents and Short-Term Investments
6.30M12.70M12.80M9.40M10.28M
Total Assets
169.10M147.20M124.00M123.30M132.60M
Total Debt
31.90M12.60M2.20M10.40M34.79M
Net Debt
25.60M-100.00K-10.60M1.00M24.50M
Total Liabilities
67.10M44.30M26.20M34.80M57.85M
Stockholders Equity
101.70M102.60M97.30M88.20M74.58M
Cash FlowFree Cash Flow
500.00K7.70M13.70M15.30M13.09M
Operating Cash Flow
6.20M12.50M15.60M17.10M16.69M
Investing Cash Flow
-25.70M-18.80M-1.90M9.30M-3.55M
Financing Cash Flow
13.10M6.20M-10.30M-27.30M-13.53M

Fintel PLC Technical Analysis

Technical Analysis Sentiment
Positive
Last Price275.00
Price Trends
50DMA
248.35
Positive
100DMA
255.94
Positive
200DMA
266.58
Positive
Market Momentum
MACD
5.33
Positive
RSI
55.05
Neutral
STOCH
61.78
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:FNTL, the sentiment is Positive. The current price of 275 is above the 20-day moving average (MA) of 268.71, above the 50-day MA of 248.35, and above the 200-day MA of 266.58, indicating a bullish trend. The MACD of 5.33 indicates Positive momentum. The RSI at 55.05 is Neutral, neither overbought nor oversold. The STOCH value of 61.78 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:FNTL.

Fintel PLC Peers Comparison

Overall Rating
UnderperformOutperform
Sector (66)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
80
Outperform
£360.26M21.7213.02%1.67%29.64%-7.27%
77
Outperform
£286.53M48.505.78%0.89%20.65%-17.11%
GBSAG
71
Outperform
£207.06M17.5514.84%1.72%-2.36%118.64%
68
Neutral
£171.57M29.207.13%0.05%4.95%-53.49%
66
Neutral
$4.51B12.295.40%3.67%4.15%-12.21%
54
Neutral
£35.88M392.860.22%31.96%-95.27%
53
Neutral
£208.41M205.36-5.28%1.01%-8.12%-794.85%
* Industrials Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:FNTL
Fintel PLC
269.00
-28.95
-9.72%
GB:GTLY
Gateley (Holdings)
128.50
-5.24
-3.92%
GB:SAG
Science
510.00
97.82
23.73%
GB:RCDO
Ricardo
428.00
-53.49
-11.11%
GB:MANO
Manolete Partners Plc
82.50
-51.50
-38.43%
GB:ELIX
Elixirr International Plc
760.00
194.67
34.43%

Fintel PLC Corporate Events

Shareholder MeetingsStock BuybackBusiness Operations and Strategy
Fintel PLC Secures Shareholder Approval at 2025 AGM
Positive
May 20, 2025

Fintel PLC announced the successful passage of all resolutions at its 2025 Annual General Meeting, indicating strong shareholder support for the company’s strategic direction. The resolutions included the approval of the Director’s remuneration report, re-election of key board members, and authorization for the company to make market purchases of its ordinary shares, which could impact the company’s capital structure and shareholder value.

The most recent analyst rating on (GB:FNTL) stock is a Buy with a £350.00 price target. To see the full list of analyst forecasts on Fintel PLC stock, see the GB:FNTL Stock Forecast page.

Product-Related AnnouncementsM&A TransactionsShareholder MeetingsBusiness Operations and Strategy
Fintel PLC Reports Strategic Progress and Confident Outlook at AGM
Positive
May 20, 2025

Fintel PLC announced during its Annual General Meeting that it continues to execute its strategic plans, with trading aligning with the Board’s expectations. The company has completed the acquisition of RSMR and successfully launched its market intelligence software, Matrix 360, into the General Insurance market, onboarding six new customers. The Board remains confident in achieving sustainable growth and plans to update shareholders in upcoming reports.

Executive/Board ChangesShareholder Meetings
Fintel PLC Announces Board Changes and AGM Resolution Withdrawal
Neutral
Apr 22, 2025

Fintel PLC announced that Imogen Joss, Senior Independent Director, will step down from the board at the upcoming AGM on 20 May 2025 for personal reasons. Tim Clarke will assume her role, while a new appointment is anticipated before the AGM. Consequently, Resolution 8, which proposed her re-election, has been withdrawn from the AGM agenda, but this does not affect other resolutions or proxy votes.

Other
Fintel PLC Director Increases Stake with Share Purchase
Positive
Apr 22, 2025

Fintel PLC announced that Ken Davy, a Non-Executive Director, has purchased 25,000 ordinary shares in the company, increasing his total shareholding to 23.88% of the total shares issued. This transaction highlights a significant vote of confidence in Fintel’s market position and future prospects, potentially impacting stakeholder perceptions and the company’s stock performance.

Other
Fintel PLC Directors Increase Shareholdings, Signaling Confidence in Future Prospects
Positive
Apr 15, 2025

Fintel PLC announced that Ken Davy, Non-Executive Director, and a person closely associated with Matt Timmins, Joint CEO, have collectively purchased 114,401 ordinary shares in the company. This transaction reflects confidence in the company’s future prospects and may positively influence investor sentiment. The purchases were conducted on the London Stock Exchange, AIM, and signify a notable increase in the shareholdings of the involved directors, potentially impacting the company’s market positioning.

Other
Fintel PLC CEO Increases Stake with Share Purchase
Positive
Apr 9, 2025

Fintel PLC announced that Neil Stevens, Joint Chief Executive Officer, along with a closely associated person, purchased a total of 60,000 ordinary shares in the company. This transaction increases Stevens’ interest to 2.85% of the total shares in issue. The purchase signifies confidence in the company’s future prospects and may positively impact stakeholder perception and market positioning.

Business Operations and StrategyFinancial Disclosures
Simplybiz Mortgages Achieves Growth in Lending and Market Share
Positive
Apr 9, 2025

Simplybiz Mortgages, a subsidiary of Fintel PLC, has reported significant growth in its total lending and market share for the year 2024. The company’s market share increased from 4.50% in 2023 to 4.68% in 2024, and its total lending rose by 3.72% to £23.7 billion, outperforming the overall lending market, which saw a decline. This growth highlights Simplybiz Mortgages’ strong position in the sector and its commitment to delivering better financial outcomes, despite a cautious market environment.

Shareholder MeetingsFinancial Disclosures
Fintel PLC Releases 2024 Annual Report and Announces 2025 AGM
Neutral
Apr 3, 2025

Fintel PLC has published its annual report for the year ending December 31, 2024, and announced the notice of its 2025 Annual General Meeting (AGM), scheduled for May 20, 2025, at Fintel House in Huddersfield. The company encourages shareholders to participate either in person or via proxy voting, highlighting its commitment to engaging with its stakeholders. This announcement underscores Fintel’s ongoing transparency and dedication to maintaining strong shareholder relations, which is crucial for its positioning in the fintech and financial services industry.

Business Operations and Strategy
Fintel PLC Directors Increase Shareholdings, Signaling Confidence
Positive
Apr 3, 2025

Fintel PLC announced that several of its directors and associated persons have collectively purchased 283,574 ordinary shares of the company. This move indicates a strong vote of confidence in the company’s future prospects by its leadership, potentially influencing market perceptions and stakeholder confidence.

Executive/Board Changes
Fintel PLC Appoints Tom Hegarty as CEO of Simplybiz
Positive
Mar 27, 2025

Fintel PLC has announced the appointment of Tom Hegarty as the new CEO of Simplybiz, effective April 1, 2025. Hegarty, who previously served as Managing Director of M&G Wealth Advice, brings extensive experience in the financial advice sector and a strong familiarity with Fintel’s operations. His leadership is expected to enhance Simplybiz’s compliance and regulatory services and focus on future technology opportunities, further solidifying the company’s position as a trusted partner in the financial services sector.

Business Operations and StrategyFinancial Disclosures
Fintel PLC Announces Full Year Results Presentation for Retail Investors
Positive
Mar 20, 2025

Fintel PLC announced a full year results presentation for retail investors scheduled for March 25, 2025, following a previous presentation for analysts and investors. This initiative reflects Fintel’s commitment to transparency and engagement with its shareholders, potentially enhancing investor confidence and market positioning.

M&A TransactionsBusiness Operations and StrategyFinancial Disclosures
Fintel PLC Achieves Strong 2024 Financial Performance and Strategic Growth
Positive
Mar 18, 2025

Fintel PLC reported a strong financial performance for 2024, with a 22% increase in core revenue to £68.9 million, driven by strategic acquisitions and growth in SaaS and subscription revenues. The company completed four acquisitions in 2024 and another in early 2025, enhancing its market presence and intellectual property. Fintel’s investments in technology and data solutions, including the launch of Matrix 360 and Fintel IQ, position it well for future growth in the fragmented UK retail financial services sector. The company remains confident in achieving further strategic and financial progress in 2025, supported by a strong start to the year and a positive outlook.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.