Fintel PLC (GB:FNTL)
LSE:FNTL
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Fintel PLC
(LSE:FNTL)
Select Model
Select Model
Rating:62Neutral
Price Target:
200.00 p
▼(-5.88% Downside)
Action:ReiteratedDate: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
Fintel's core offering is subscription and membership services to advisers, creating recurring, sticky revenue. This business model supports predictable cash flows, high customer retention potential and scalable margins over time, enabling stable reinvestment and long-term planning.
Negative Factors
Rising leverage
Rapidly increased gross debt raises structural refinancing and interest-rate exposure risk. Higher leverage reduces financial flexibility and magnifies downside from any future margin or cash-flow shock, making capital allocation and shareholder return plans more constrained over the medium term.
Read all positive and negative factors
Positive Factors
Negative Factors
Recurring revenue model
Fintel's core offering is subscription and membership services to advisers, creating recurring, sticky revenue. This business model supports predictable cash flows, high customer retention potential and scalable margins over time, enabling stable reinvestment and long-term planning.
Read all positive factors
Fintel PLC (FNTL) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£197.97M
Dividend Yield1.83%
Average Volume (3M)205.32K
Price to Earnings (P/E)34.2
Beta (1Y)0.95
Revenue Growth9.71%
EPS Growth6.70%
CountryUK
Employees624
SectorIndustrials
Sector Strength72
IndustryConsulting Services
Share Statistics
EPS (TTM)0.04
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)0.16
Revenue Forecast (FY)£89.13M
Fintel PLC Business Overview & Revenue Model
Company Description
Fintel 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 Interm...
How the Company Makes Money
Fintel makes money primarily by selling subscription- and service-based products to financial advisers and advice firms, and by earning commercial income connected to the distribution of financial products through its adviser network and associate...
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
Neutral
212.50
Price Trends
200.02
Negative
209.31
Negative
219.39
Negative
Market Momentum
-3.74
Negative
47.32
Neutral
64.27
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:FNTL, the sentiment is Neutral. The current price of 212.5 is above the 20-day moving average (MA) of 176.30, above the 50-day MA of 200.02, and below the 200-day MA of 219.39, indicating a neutral trend. The MACD of -3.74 indicates Negative momentum. The RSI at 47.32 is Neutral, neither overbought nor oversold. The STOCH value of 64.27 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 | £219.14M | 10.47 | 6.46% | 3.68% | 2.11% | 818.58% | |
75 Outperform | £24.61B | 15.26 | 26.35% | 1.40% | 5.83% | 11.65% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% | |
63 Neutral | £787.28M | 24.99 | 9.94% | 1.19% | 12.82% | 16.40% | |
62 Neutral | £197.97M | 34.23 | 6.10% | 1.83% | 9.71% | 6.70% | |
60 Neutral | £148.46M | -138.94 | 1.15% | 2.75% | 20.73% | -89.53% |
* Industrials Sector Average
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Fintel PLC Corporate Events
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...
Business Operations and StrategyFinancial Disclosures
Fintel’s Simplybiz Mortgages posts record 2025 lending and gains market share
Positive
Apr 9, 2026
Fintel subsidiary Simplybiz Mortgages has reported record lending for 2025, underscoring the group’s growing influence in the UK mortgage intermediary market. The business, which supports advisers with technology and services, continues to e...
Business Operations and Strategy
Fintel Adds Panmure Liberum as Joint Broker to Bolster Market Support
Positive
Apr 7, 2026
Fintel plc, a leading UK retail financial services technology and support provider, operates through its Software Data and Services divisions, delivering tools, data and expert ratings to thousands of intermediary firms and hundreds of financial ...
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and ComplianceShareholder Meetings
Fintel publishes FY25 annual report and sets date for 2026 AGM
Positive
Apr 2, 2026
Fintel plc has published its annual report for the year ended 31 December 2025 and released the notice of its 2026 Annual General Meeting, which are now available on the company’s investor website. The AGM is scheduled to take place at Finte...
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Fintel posts double-digit growth as platform and data strategy accelerates
Positive
Mar 17, 2026
Fintel plc, a leading provider of software, data and support services to the UK retail financial services market, has continued to build out a unified, scalable platform aimed at advisers and product providers. Its proposition combines market-lead...
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
Fintel posts double-digit growth as platform overhaul and data deals sharpen strategy
Positive
Mar 17, 2026
Fintel reported a robust 2025 performance, with revenue up 10% to £85.9m and adjusted EBITDA rising 16.6% to £25.9m, driven by acquisitions and growing SaaS and subscription income, which now represents 57% of sales. Profitability and ca...
Business Operations and StrategyProduct-Related Announcements
Fintel to launch AI‑driven UK advice platform via Intellect Design joint venture
Positive
Mar 17, 2026
Fintel plc has agreed non‑binding heads of terms with India’s Intellect Design Arena to form a 50:50 UK‑incorporated joint venture, aiming to build and commercialise an AI‑led financial advisory platform tailored to the UK ...
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Fintel Posts Double-Digit Growth as New Operating Model Drives Software and Data Push
Positive
Feb 3, 2026
Fintel reported a “transformational” 2025 financial year marked by the successful rollout of a simplified two-division operating structure and continued shift toward a software, data and recurring-revenue model. Revenue rose around 10%...
Business Operations and StrategyExecutive/Board Changes
Fintel Expands Growth Share Plan and Introduces New E Shares for Key Staff
Positive
Feb 3, 2026
Fintel has expanded its Growth Share Plan with new grants of B, C and D shares to chief executive Matt Timmins and chief financial officer David Thompson, reflecting additional responsibilities following the departure of the joint CEO, and has int...
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.