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
Revenue and margin recovery
Fintel delivered revenue growth in 2025 alongside meaningful improvement in operating and EBITDA margins. This indicates its adviser-focused subscription and services model is scaling with better operating leverage, a durable driver of higher sustainable operating cash generation if execution continues.
Negative Factors
Rising leverage
Leverage increased materially in a single year, raising interest and refinancing risk. For a services firm with modest net margins, higher debt amplifies downside risk to cash flow and limits strategic flexibility if revenue or margins soften over the coming quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and margin recovery
Fintel delivered revenue growth in 2025 alongside meaningful improvement in operating and EBITDA margins. This indicates its adviser-focused subscription and services model is scaling with better operating leverage, a durable driver of higher sustainable operating cash generation if execution continues.
Read all positive factors
Fintel PLC (FNTL) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£189.11M
Dividend Yield1.83%
Average Volume (3M)205.32K
Price to Earnings (P/E)34.2
Beta (1Y)0.88
Revenue Growth23.37%
EPS Growth4.75%
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)£92.78M
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
215.20
Negative
212.54
Negative
222.94
Negative
Market Momentum
-10.47
Negative
45.48
Neutral
70.72
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 181.80, below the 50-day MA of 215.20, and below the 200-day MA of 222.94, indicating a neutral trend. The MACD of -10.47 indicates Negative momentum. The RSI at 45.48 is Neutral, neither overbought nor oversold. The STOCH value of 70.72 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 |
|---|---|---|---|---|---|---|---|
75 Outperform | £23.30B | 15.26 | 26.88% | 1.40% | 5.84% | 11.65% | |
70 Outperform | £195.26M | 10.47 | 6.46% | 3.68% | 15.99% | ― | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% | |
62 Neutral | £189.11M | 34.23 | 6.09% | 1.83% | 23.37% | 4.75% | |
60 Neutral | £144.60M | -138.94 | 1.15% | 2.75% | 8.01% | -23.02% | |
56 Neutral | £539.39M | 24.99 | 9.94% | 1.19% | 9.25% | -51.82% |
* Industrials Sector Average
GB:FNTL
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-47.17
-20.63%
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Fintel PLC Corporate Events
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...
Other
Fintel CEO Matt Timmins Increases Stake as Family Buys Additional Shares
Positive
Jan 23, 2026
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 m...
Regulatory Filings and Compliance
Fintel Directors Increase Holdings with Fresh Share Purchases
Positive
Jan 21, 2026
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 t...
Business Operations and StrategyM&A Transactions
Fintel Buys Pearson Ham Pricing Unit to Boost Insurance Data and AI Capabilities
Positive
Jan 19, 2026
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 int...
Business Operations and Strategy
Fintel Adds Peel Hunt as Joint Broker to Support Growth Plans
Positive
Jan 15, 2026
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 b...
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.