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Fintel PLC
(LSE:FNTL)
Select Model
Select Model
Rating:62Neutral
Price Target:
168.00 p
▼(-20.94% Downside)
Action:Reiterated
Date:04/01/26
The score is primarily supported by improved 2025 operating performance and a strong rebound in free cash flow, but is held back by rising leverage and compressed net margins versus prior peaks. Technicals remain below key longer-term averages with negative MACD, and valuation is less attractive given the high P/E and only modest dividend yield.
Positive Factors
Recurring revenue model
A subscription and membership-driven business supplies predictable, sticky revenue and high customer retention. In the adviser/wealth market this creates switching frictions and steady cash inflows that support multi-quarter planning, investment in platform improvements, and durable margin leverage.
Negative Factors
Rising leverage
Rapid debt growth increases financial risk and reduces flexibility: although equity remains solid, higher leverage raises interest and refinancing exposure and constrains capital allocation if revenue or cash flow softens, making multi-quarter execution more sensitive to shocks.
Read all positive and negative factors
Positive Factors
Negative Factors
Recurring revenue model
A subscription and membership-driven business supplies predictable, sticky revenue and high customer retention. In the adviser/wealth market this creates switching frictions and steady cash inflows that support multi-quarter planning, investment in platform improvements, and durable margin leverage.
Read all positive factors
Fintel PLC (FNTL) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£193.80M
Dividend Yield1.83%
Average Volume (3M)205.32K
Price to Earnings (P/E)30.8
Beta (1Y)1.00
Revenue Growth9.71%
EPS Growth6.70%
CountryUK
Employees500
SectorIndustrials
Sector Strength72
IndustryConsulting Services
Share Statistics
EPS (TTM)0.06
Shares Outstanding104,193,280
10 Day Avg. Volume91,079
30 Day Avg. Volume205,316
Financial Highlights & Ratios
PEG Ratio5.11
Price to Book (P/B)2.06
Price to Sales (P/S)2.51
P/FCF Ratio14.38
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.15
Revenue Forecast (FY)£84.10M
Fintel PLC Business Overview & Revenue Model
Company Description
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 202...
How the Company Makes Money
Fintel makes money primarily by selling subscription-based and recurring services to financial advisers, adviser firms, and product providers in the UK retail financial services market. Key revenue streams typically include: (1) recurring fees for...
Fintel PLC Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
67
Positive
Cash Flow
78
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 85.90M | 78.30M | 64.90M | 66.50M | 63.90M |
| Gross Profit | 18.60M | 18.70M | 16.90M | 16.30M | 14.80M |
| EBITDA | 25.10M | 15.70M | 14.70M | 16.60M | 17.20M |
| Net Income | 6.30M | 5.90M | 7.10M | 9.80M | 15.40M |
Balance Sheet | |||||
| Total Assets | 190.10M | 169.10M | 147.20M | 124.00M | 123.30M |
| Cash, Cash Equivalents and Short-Term Investments | 17.30M | 6.30M | 12.70M | 12.80M | 9.40M |
| Total Debt | 48.60M | 31.90M | 12.60M | 2.20M | 10.40M |
| Total Liabilities | 84.30M | 67.10M | 44.30M | 26.20M | 34.80M |
| Stockholders Equity | 104.80M | 101.70M | 102.60M | 97.30M | 88.20M |
Cash Flow | |||||
| Free Cash Flow | 15.00M | 500.00K | 7.70M | 13.70M | 15.30M |
| Operating Cash Flow | 15.30M | 6.20M | 12.50M | 15.60M | 17.10M |
| Investing Cash Flow | -17.30M | -25.70M | -18.80M | -1.90M | 9.30M |
| Financing Cash Flow | 13.00M | 13.10M | 6.20M | -10.30M | -27.30M |
Fintel PLC Technical Analysis
Positive
212.50
Price Trends
177.05
Positive
180.70
Positive
199.94
Negative
Market Momentum
2.83
Negative
57.57
Neutral
59.65
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 212.5 is above the 20-day moving average (MA) of 177.83, above the 50-day MA of 177.05, and above the 200-day MA of 199.94, indicating a neutral trend. The MACD of 2.83 indicates Negative momentum. The RSI at 57.57 is Neutral, neither overbought nor oversold. The STOCH value of 59.65 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
UnderperformOutperform
Sector (63)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
77 Outperform | £294.48M | 24.04 | 6.46% | 3.68% | 2.11% | 818.58% | |
71 Outperform | £23.73B | 21.89 | 27.02% | 1.40% | 6.85% | 22.75% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% | |
63 Neutral | £554.65M | 16.99 | 9.94% | 1.19% | 12.82% | 16.40% | |
62 Neutral | £193.80M | 30.79 | 6.10% | 1.83% | 9.71% | 6.70% | |
61 Neutral | £161.33M | 33.75 | 1.15% | 2.75% | 28.41% | -36.92% |
* Industrials Sector Average
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Fintel PLC Corporate Events
Business Operations and StrategyStock BuybackDividendsShareholder Meetings
Fintel shareholders back all resolutions at 2026 AGM
Positive
May 19, 2026
Fintel plc reported that all resolutions at its 2026 Annual General Meeting were approved by poll, including the receipt of the annual report and accounts, a final dividend of 2.50 pence per share and the re-election or election of all proposed di...
Business Operations and StrategyM&A Transactions
Fintel streamlines portfolio with sale of non-core surveying and legal units
Positive
Apr 23, 2026
Fintel plc has sold two non-core businesses, Gateway Surveying Services and APS Legal Associates, to Kairos Professional Services for up to £1 million in cash. The divestment supports Fintel’s strategy to focus on scalable, higher-marg...
Business Operations and Strategy
Fintel Hosts Capital Markets Event to Outline Strategy and Divisional Structure
Neutral
Apr 23, 2026
Fintel plc, a leading provider of software, data and support services to the UK retail financial services sector, operates through its Software Data and Services divisions, under well-known brands including Defaqto, Simplybiz and threesixty. The ...
Business Operations and Strategy
Fintel reshapes advisory team with Cavendish appointment to bolster market presence
Positive
Apr 22, 2026
Fintel plc, a prominent UK retail financial services technology and support provider, operates through its Software Data and Services divisions and well-known brands including Defaqto, SimplyBiz and threesixty. The group underpins advice, distrib...
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.