Fintel PLC (FNTL) AI Stock Analysis

• Market Cap: £259.96M
• Dividend Yield: 151.45%
• Average Volume (3M): 73.23K
• Price to Earnings (P/E): 43.6
• Beta (1Y): 0.70
• Revenue Growth: 20.65%
• EPS Growth: -17.11%
• Country: UK
• Employees: 624
• Sector: Industrials
• Sector Strength: 94
• Industry: Consulting Services
• EPS (TTM): 0.04
• Shares Outstanding: 104,193,280
• 10 Day Avg. Volume: 62,850
• 30 Day Avg. Volume: 73,233
• PEG Ratio: 48.81
• Price to Book (P/B): 2.53
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 51.47
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £350.00
• Price Target Upside: 40.28% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 73 Outperform
• 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 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 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 Money

Fintel 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

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

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

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 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	78.30M	64.90M	66.50M	63.90M	61.01M
Gross Profit	15.50M	16.90M	14.20M	13.30M	12.85M
EBITDA	15.70M	14.70M	16.60M	17.20M	15.69M
Net Income	5.90M	7.10M	9.80M	15.40M	8.10M
Balance Sheet
Total Assets	169.10M	147.20M	124.00M	123.30M	132.60M
Cash, Cash Equivalents and Short-Term Investments	6.30M	12.70M	12.80M	9.40M	10.28M
Total Debt	31.90M	12.60M	2.20M	10.40M	34.79M
Total Liabilities	67.10M	44.30M	26.20M	34.80M	57.85M
Stockholders Equity	101.70M	102.60M	97.30M	88.20M	74.58M
Cash Flow
Free Cash Flow	500.00K	7.70M	13.70M	15.30M	13.09M
Operating Cash Flow	6.20M	12.50M	15.60M	17.10M	16.69M
Investing Cash Flow	-25.70M	-18.80M	-1.90M	9.30M	-3.55M
Financing Cash Flow	13.10M	6.20M	-10.30M	-27.30M	-13.53M

Fintel PLC Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 249.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Negative
• RSI: Neutral
• STOCH: 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
FNTL	73 Outperform	£259.96M	43.56	5.78%	151.45%	20.65%	-17.11%
ELIX	73 Outperform	£323.50M	19.89	13.02%	254.29%	29.64%	-7.27%
SAG	71 Outperform	£242.94M	20.76	14.84%	146.12%	-2.36%	117.49%
GTLY	68 Neutral	£162.89M	120.10	1.85%	778.69%	4.95%	-53.49%
Sector *	65 Neutral	$11.06B	15.73	5.16%	1.93%	3.12%	-25.59%
RCDO	62 Neutral	£265.65M	205.36	-5.28%	248.24%	-8.12%	-794.85%
MANO	54 Neutral	£34.13M	38.24	2.18%	―	31.96%	-95.27%

Fintel PLC Corporate Events

Fintel PLC Announces Change in Voting Rights Structure

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.

Fintel PLC Appoints Ian Pickford as Non-Executive Director

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.

Octopus Investments Increases Stake in Fintel PLC

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.

Fintel PLC Secures Shareholder Approval at 2025 AGM

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.

Fintel PLC Reports Strategic Progress and Confident Outlook at AGM

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.