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Fintel PLC (GB:FNTL)
LSE:FNTL
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Fintel PLC (FNTL) AI Stock Analysis

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GB:FNTL

Fintel PLC

(LSE:FNTL)

Rating:73Outperform
Price Target:
284.00p
▲(13.83%Upside)
Fintel PLC's overall stock score reflects solid financial fundamentals with significant room for improvement in profitability and cash flow. Positive corporate events and strategic initiatives bolster confidence, yet high valuation and mixed technical indicators temper enthusiasm.

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

Fintel PLC Business Overview & Revenue Model

Company DescriptionFintel Plc provides intermediary services and distribution channels to the retail financial services sector in the United Kingdom. It operates through three segments: Intermediary Services, Distribution Channels, and Fintech & Research. The Intermediary Services segment provides compliance and regulation services to individual financial intermediary member firms, including directly authorized IFAs, directly authorized mortgage advisers, workplace consultants, and directly authorized wealth managers. The Distribution Channels segment offers marketing and promotion, product paneling, and co-manufacturing services to financial institutions, as well as undertakes survey paneling and surveying works for mortgage lenders. The Fintech & Research segment operates a Fintech platform for approximately 8,000 users, across 3,300 firms, and provides independent ratings of 21,000 financial products and funds, as well as licensed by 250 brands. It also offers market insights and analysis, product design and compliance, and targeted distribution services to product providers; product research and comparison, financial planning and advice technology, and centralized data and workflow services to intermediaries; and product education, comparison, and rating services to consumers. The company was formerly known as The SimplyBiz Group plc and changed its name to Fintel Plc in March 2021. Fintel Plc was founded in 2002 and is based in Huddersfield, the United Kingdom.
How the Company Makes MoneyFintel PLC generates revenue through a diverse range of income streams. Key revenue sources include subscription fees for access to its financial technology platforms and data analytics tools, which are utilized by financial advisers and institutions to optimize their operations and compliance. Additionally, the company earns income from consultancy and advisory services that help clients navigate the complexities of financial regulations and market dynamics. Strategic partnerships with financial institutions further bolster Fintel's revenue, as these collaborations often involve joint ventures or revenue-sharing agreements that capitalize on shared expertise and market reach.

Fintel PLC Financial Statement Overview

Summary
Fintel PLC has shown consistent revenue growth and a strong equity position, but declining net profit margins and cash flow are concerning. Increased leverage needs careful management to sustain 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.
BreakdownDec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income Statement
Total Revenue78.30M64.90M66.50M63.90M61.01M
Gross Profit15.50M16.90M14.20M13.30M12.85M
EBITDA15.70M14.70M16.60M17.20M15.69M
Net Income5.90M7.10M9.80M15.40M8.10M
Balance Sheet
Total Assets169.10M147.20M124.00M123.30M132.60M
Cash, Cash Equivalents and Short-Term Investments6.30M12.70M12.80M9.40M10.28M
Total Debt31.90M12.60M2.20M10.40M34.79M
Total Liabilities67.10M44.30M26.20M34.80M57.85M
Stockholders Equity101.70M102.60M97.30M88.20M74.58M
Cash Flow
Free Cash Flow500.00K7.70M13.70M15.30M13.09M
Operating Cash Flow6.20M12.50M15.60M17.10M16.69M
Investing Cash Flow-25.70M-18.80M-1.90M9.30M-3.55M
Financing Cash Flow13.10M6.20M-10.30M-27.30M-13.53M

Fintel PLC Technical Analysis

Technical Analysis Sentiment
Negative
Last Price249.50
Price Trends
50DMA
257.99
Negative
100DMA
251.19
Negative
200DMA
261.47
Negative
Market Momentum
MACD
-3.01
Negative
RSI
39.29
Neutral
STOCH
32.64
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:FNTL, the sentiment is Negative. The current price of 249.5 is above the 20-day moving average (MA) of 248.32, below the 50-day MA of 257.99, and below the 200-day MA of 261.47, indicating a bearish trend. The MACD of -3.01 indicates Negative momentum. The RSI at 39.29 is Neutral, neither overbought nor oversold. The STOCH value of 32.64 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:FNTL.

Fintel PLC Peers Comparison

Overall Rating
UnderperformOutperform
Sector (65)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
73
Outperform
£259.96M43.565.78%151.45%20.65%-17.11%
73
Outperform
£323.50M19.8913.02%254.29%29.64%-7.27%
71
Outperform
£242.94M20.7614.84%146.12%-2.36%117.49%
68
Neutral
£162.89M120.101.85%778.69%4.95%-53.49%
65
Neutral
$11.06B15.735.16%1.93%3.12%-25.59%
62
Neutral
£265.65M205.36-5.28%248.24%-8.12%-794.85%
54
Neutral
£34.13M38.242.18%31.96%-95.27%
* Industrials Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:FNTL
Fintel PLC
241.00
-67.81
-21.96%
GB:GTLY
Gateley (Holdings)
122.00
-1.95
-1.57%
GB:RCDO
Ricardo
427.00
-50.60
-10.59%
GB:SAG
Science
550.00
125.43
29.54%
GB:MANO
Manolete Partners Plc
78.00
-60.00
-43.48%
GB:ELIX
Elixirr International Plc
700.00
157.88
29.12%

Fintel PLC Corporate Events

Other
Fintel PLC Announces Change in Voting Rights Structure
Neutral
Jun 24, 2025

Fintel PLC, a UK-based company, has experienced a change in its voting rights structure. Octopus Investments Limited has adjusted its holdings, reducing its voting rights from 15.01% to 14.98%. This change reflects a minor shift in the company’s shareholder dynamics, potentially influencing its governance and decision-making processes.

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.

Executive/Board ChangesBusiness Operations and Strategy
Fintel PLC Appoints Ian Pickford as Non-Executive Director
Positive
Jun 17, 2025

Fintel PLC has appointed Ian Pickford as an Independent Non-Executive Director, who will also chair the company’s remuneration and nomination committees. With over 30 years of experience in the wealth management sector, Pickford’s appointment is expected to enhance Fintel’s strategic development in digital and core service propositions, strengthening its position in the UK financial services market.

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.

Business Operations and Strategy
Octopus Investments Increases Stake in Fintel PLC
Neutral
Jun 12, 2025

Fintel PLC has announced a change in its major holdings as Octopus Investments Limited has increased its voting rights in the company to 15.01%, up from 14.87%. This acquisition of voting rights indicates a strengthened influence of Octopus Investments in Fintel PLC, potentially impacting the company’s strategic decisions and stakeholder interests.

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.

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.

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.Date of analysis: Jun 19, 2025