Fintel PLC (FNTL) AI Stock Analysis

• Market Cap: £262.57M
• Dividend Yield: 1.83%
• Average Volume (3M): 205.32K
• Price to Earnings (P/E): 42.4
• Beta (1Y): 0.70
• Revenue Growth: 23.37%
• EPS Growth: 4.75%
• Country: UK
• Employees: 624
• Sector: Industrials
• Sector Strength: 72
• Industry: Consulting Services
• EPS (TTM): 0.06
• Shares Outstanding: 104,193,280
• 10 Day Avg. Volume: 91,079
• 30 Day Avg. Volume: 205,316
• PEG Ratio: -2.86
• Price to Book (P/B): 2.76
• Price to Sales (P/S): 3.59
• P/FCF Ratio: 561.69
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: 297.00p ▲(39.76% Upside)

The score is primarily supported by strong revenue growth and an overall sound balance sheet, but is held back by sharply weaker free cash flow and declining net profitability. Technically, the uptrend is strong, yet overbought indicators increase near-term downside risk. Valuation further limits the score due to a high P/E and only a modest dividend yield.

Positive Factors

Software & data-led transformation

The group's strategic pivot to a software- and data-led model, plus integration of nine acquisitions, shifts revenue toward higher-margin, recurring subscription and services. This increases scalability, product stickiness and long-term customer lifetime value across adviser clients.

Consistent revenue growth

Sustained ~20% revenue growth reflects expanding adoption of adviser-facing platforms and services. Given the subscription/service-based model, this trend supports predictable topline expansion and provides a stable base for margin recovery and reinvestment into product and distribution capabilities.

Strong equity position

A high equity ratio and low reported debt-to-equity give Fintel financial flexibility to invest in technology, complete integrations, and absorb cyclical shocks. This balance-sheet strength supports strategic M&A and working-capital demands without overreliance on short-term funding.

Negative Factors

Free cash flow collapse

A near-94% fall in free cash flow materially reduces internal funding capacity for capex, product development and integration costs. Over months this curtails reinvestment flexibility and may force increased external financing, raising funding risk and diluting strategic optionality.

Declining net profit margin

Despite revenue expansion, falling net profit margins signal deteriorating cost control or rising operating expenses. Persistently weaker profitability erodes earnings quality, constrains free cash generation and limits ability to sustain R&D, sales investment, or M&A without margin recovery.

Rising leverage / equity reduction

The trend of reduced equity alongside higher debt increases financial leverage and interest exposure. Over the medium term this can amplify earnings volatility, restrict strategic moves if covenants tighten, and increase refinancing or interest-rate risks for funding growth initiatives.

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 multiple streams, primarily by offering subscription-based services and data analytics to financial institutions and advisers. The company provides digital marketing solutions that help financial advisers acquire new clients, charging fees for leads generated. Additionally, Fintel monetizes its comprehensive data sets and analytics tools through licensing agreements and subscriptions, allowing clients access to valuable insights for investment decisions. Significant partnerships with financial platforms and regulatory bodies further bolster Fintel's revenue, as they often collaborate to provide integrated solutions, enhancing market reach and driving sales.

Fintel PLC Financial Statement Overview

Summary

Revenue grew strongly (+20.65% from 2023 to 2024) with improving gross profit margins, but profitability weakened as net profit margin declined. Balance sheet is generally solid (60.14% equity ratio; 0.31 debt-to-equity), yet total equity fell and leverage increased. Cash generation is the main drag, with free cash flow down 93.51% year over year despite positive operating cash flow.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	85.00M	78.30M	64.90M	66.50M	63.90M	61.01M
Gross Profit	18.80M	18.70M	16.90M	16.30M	14.80M	12.85M
EBITDA	18.50M	15.70M	14.70M	16.60M	17.20M	15.69M
Net Income	6.20M	5.90M	7.10M	9.80M	15.40M	8.10M
Balance Sheet
Total Assets	182.10M	169.10M	147.20M	124.00M	123.30M	132.60M
Cash, Cash Equivalents and Short-Term Investments	8.40M	6.30M	12.70M	12.80M	9.40M	10.28M
Total Debt	40.50M	31.90M	12.60M	2.20M	10.40M	35.39M
Total Liabilities	79.80M	67.10M	44.30M	26.20M	34.80M	57.85M
Stockholders Equity	101.90M	101.70M	102.60M	97.30M	88.20M	74.58M
Cash Flow
Free Cash Flow	8.80M	500.00K	7.70M	13.70M	15.30M	13.09M
Operating Cash Flow	9.00M	6.20M	12.50M	15.60M	17.10M	16.69M
Investing Cash Flow	-30.10M	-25.70M	-18.80M	-1.90M	9.30M	-3.55M
Financing Cash Flow	23.30M	13.10M	6.20M	-10.30M	-27.30M	-13.53M

Fintel PLC Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 212.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 212.5 is below the 20-day moving average (MA) of 233.95, below the 50-day MA of 217.68, and below the 200-day MA of 233.25, indicating a bullish trend. The MACD of 13.19 indicates Negative momentum. The RSI at 65.27 is Neutral, neither overbought nor oversold. The STOCH value of 54.43 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
EXPN	75 Outperform	$25.04B	24.05	26.88%	1.40%	5.84%	11.65%
YOU	75 Outperform	£282.28M	20.90	7.16%	3.68%	15.99%	―
FNTL	69 Neutral	£262.57M	42.35	6.18%	1.83%	23.37%	4.75%
BEG	69 Neutral	£196.33M	19.65	12.60%	3.91%	8.31%	305.88%
DATA	69 Neutral	£746.67M	53.28	3.76%	1.19%	9.25%	-51.82%
Sector *	63 Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
KGH	60 Neutral	£169.91M	142.45	7.40%	2.75%	8.01%	-23.02%

Fintel PLC Corporate Events

Fintel Posts Double-Digit Growth as New Operating Model Drives Software and Data Push

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% to £85.9m, with SaaS and subscription income also up 10% to £48.7m, now accounting for 57% of group sales, while adjusted EBITDA increased roughly 17% to £25.9m, slightly ahead of market expectations. Supported by a strong balance sheet with £17.3m of cash, modest leverage of 1.2x and substantial undrawn credit, the group invested in new technology and data propositions, including the launch of its Defaqto Matrix360 market intelligence software, digital compliance tools and the Omnicore whole-of-market distribution platform, and continued to integrate recent acquisitions to drive cross-selling and operational leverage. Looking to 2026, Fintel expects further earnings-accretive growth from the acquisition of Pearson Ham’s Market Pricing Business and sees both its Software & Data and Services divisions benefiting from rising demand for technology, data and regulatory support across the UK retail financial services market, reinforcing its positioning as a technology-driven platform provider.

The most recent analyst rating on (GB:FNTL) stock is a Hold with a £258.00 price target. To see the full list of analyst forecasts on Fintel PLC stock, see the GB:FNTL Stock Forecast page.

Fintel Expands Growth Share Plan and Introduces New E Shares for Key Staff

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 introduced a new class of E shares to incentivise a wider group of existing and new employees. The 2026 awards cover 27 key staff, including board executives and senior management, with E shares designed to reward value creation only if Fintel’s market capitalisation rises above £400m, potentially delivering up to £8m for management on at least £100m of shareholder value created, while the independent directors have deemed the related-party awards fair and reasonable, underscoring the company’s use of performance-linked equity to drive growth and retain talent.

The most recent analyst rating on (GB:FNTL) stock is a Hold with a £258.00 price target. To see the full list of analyst forecasts on Fintel PLC stock, see the GB:FNTL Stock Forecast page.

Fintel CEO Matt Timmins Increases Stake as Family Buys Additional Shares

Fintel plc has disclosed that Chief Executive Officer Matt Timmins and his closely associated persons, including his spouse and children, have collectively purchased 274,707 ordinary shares in the company on the London Stock Exchange’s AIM market over 20–21 January 2026. Following these transactions, Timmins’ total interest has risen to 3,860,174 shares, representing 3.7% of Fintel’s issued share capital, signalling a notable increase in board-level and family alignment with shareholders and potentially reinforcing market confidence in the fintech and support services group’s prospects.

The most recent analyst rating on (GB:FNTL) stock is a Hold with a £259.00 price target. To see the full list of analyst forecasts on Fintel PLC stock, see the GB:FNTL Stock Forecast page.

Fintel Directors Increase Holdings with Fresh Share Purchases

Fintel plc has disclosed that its Non-Executive Chairman, Phil Smith, and a person closely associated with Non-Executive Director Ian Pickford have purchased additional ordinary shares in the company. Smith acquired a total of 77,910 shares over three days on AIM at prices between £2.19 and £2.41, increasing his holding to 223,022 shares, representing 0.21% of the company’s issued share capital, while shares acquired by Pickford’s closely associated person amount to 10,444 shares, giving him an effective interest of 0.01%. The director and PCA share purchases, notified in line with market regulations, signal increased insider commitment to Fintel and may be interpreted by investors as a vote of confidence in the company’s prospects and positioning within the UK retail financial services technology market.

The most recent analyst rating on (GB:FNTL) stock is a Hold with a £261.00 price target. To see the full list of analyst forecasts on Fintel PLC stock, see the GB:FNTL Stock Forecast page.

Fintel Buys Pearson Ham Pricing Unit to Boost Insurance Data and AI Capabilities

Fintel plc has acquired Pearson Ham Group’s market pricing business, a provider of proprietary pricing data to the UK insurance industry, for £11m in cash, funded from its existing resources and revolving credit facility. Integrated into its Defaqto brand, the deal significantly expands Fintel’s product and pricing datasets across UK personal lines insurance, supports the rollout of its Matrix360 platform, and underpins new AI-driven tools such as value-for-money ratings and benchmarking services, with the acquisition expected to be earnings accretive and to generate £2.6m of revenue and £0.9m of EBITDA in 2026 while reinforcing Fintel’s strategic position as a key technology and data partner to UK financial services.

The most recent analyst rating on (GB:FNTL) stock is a Hold with a £196.00 price target. To see the full list of analyst forecasts on Fintel PLC stock, see the GB:FNTL Stock Forecast page.

Fintel Adds Peel Hunt as Joint Broker to Support Growth Plans

Fintel plc has appointed Peel Hunt plc as Joint Broker, working alongside Zeus Capital, in a move aimed at underpinning the Group’s future accelerated growth in the UK retail financial services technology and services market. The change in broking line-up, which sees Investec step down from its role, signals a strategic effort by Fintel to align itself with a broker that has strong fintech and financial services expertise, potentially enhancing its capital markets profile and support for its growth ambitions.

The most recent analyst rating on (GB:FNTL) stock is a Hold with a £224.00 price target. To see the full list of analyst forecasts on Fintel PLC stock, see the GB:FNTL Stock Forecast page.