IntegraFin Holdings PLC (IHP) AI Stock Analysis

• Market Cap: £1.07B
• Dividend Yield: 3.2%
• Average Volume (3M): 400.21K
• Price to Earnings (P/E): 20.6
• Beta (1Y): 1.49
• Revenue Growth: 25.92%
• EPS Growth: 4.45%
• Country: UK
• Employees: 666
• Sector: Financial
• Sector Strength: 84
• Industry: Asset Management Services
• EPS (TTM): 0.16
• Shares Outstanding: 331,322,020
• 10 Day Avg. Volume: 507,303
• 30 Day Avg. Volume: 400,212
• PEG Ratio: 4.63
• Price to Book (P/B): N/A
• Price to Sales (P/S): 7.45
• Price to Cash Flow (P/CF): 4.30
• P/FCF Ratio: 0.00
• 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: 420.00p
• Price Target Upside: 29.43% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3

IntegraFin Holdings PLC shows strong financial performance with impressive revenue growth and profitability. The cash flow management is particularly noteworthy, providing a solid foundation. However, technical analysis indicates bearish trends, suggesting potential short-term volatility. Valuation metrics are balanced, offering moderate attractiveness. Recent corporate events reflect positive governance and strategic alignment, which could enhance long-term prospects. Overall, the stock is positioned as a sound investment with some caution advised due to current market momentum.

IntegraFin Holdings PLC Business Overview & Revenue Model

Company Description

IntegraFin Holdings PLC (IHP) is a UK-based company operating primarily in the financial services sector. The company's core product is the Transact platform, which is a leading platform in the UK investment market. IntegraFin provides a range of services that include investment administration, tax wrapping, and financial reporting, catering to financial advisers and their clients.

How the Company Makes Money

IntegraFin Holdings PLC primarily generates revenue through fees charged for the use of its Transact platform. This includes annual product charges, dealing charges, and ancillary service fees. The platform facilitates investment management, enabling financial advisers to manage client portfolios efficiently. Revenue is largely influenced by the value of assets under administration (AUA) on the Transact platform, as fees are typically a percentage of these assets. The company also benefits from interest income on cash balances held within the platform. Significant factors contributing to its earnings include the growth of assets under administration and maintaining a competitive edge in technology and customer service.

IntegraFin Holdings PLC Financial Statement Overview

Summary

IntegraFin Holdings PLC displays strong financial health with consistent revenue growth and high profitability margins. The company maintains a sound balance sheet with low leverage and impressive returns on equity. Cash flow metrics are exceptionally strong, highlighting effective cash management and conversion. While the company demonstrates strength across all financial verticals, attention to maintaining equity growth in line with liabilities is advisable to mitigate potential risks.

Income Statement

IntegraFin Holdings PLC has shown solid revenue growth with a Revenue Growth Rate of approximately 7.42% in the latest year. The company maintains a strong Gross Profit Margin of about 97.93%. Net Profit Margin is robust at 35.96%, indicating effective cost management. The EBIT and EBITDA margins are strong, at 39.34% and 75.99%, respectively, reflecting operational efficiency. However, historical volatility in EBIT and EBITDA may pose some operational risks.

Balance Sheet

The company's balance sheet is stable with a low Debt-to-Equity Ratio of 0.045, indicating conservative leverage. The Equity Ratio is moderate at 0.71%, suggesting a balanced asset-financing strategy. The Return on Equity is impressive at 25.01%, reflecting strong profitability relative to equity. However, the company's equity ratio suggests potential risk if liabilities grow faster than assets.

Cash Flow

IntegraFin's cash flow performance is impressive, with a significant Free Cash Flow Growth Rate of 4150%. The Operating Cash Flow to Net Income Ratio of 5.32 and Free Cash Flow to Net Income Ratio of 5.30 indicate effective cash conversion and strong liquidity. The substantial increase in free cash flow signals robust cash management and operational success.

Breakdown
TTM	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020
Income Statement		Total Revenue
138.00M	144.90M	134.90M	95.10M	155.19M	104.25M
	Gross Profit
119.70M	141.90M	131.00M	90.00M	150.62M	100.83M
	EBIT
-63.60M	57.00M	56.30M	-133.50M	-31.89M	-75.41M
	EBITDA
-2.44B	110.10M	67.50M	-130.50M	-28.82M	-72.84M
	Net Income Common Stockholders
52.30M	52.10M	49.90M	44.00M	51.10M	45.48M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
215.10M	200.70M	200.30M	186.10M	1.45B	1.54B
	Total Assets
27.59B	29.16B	24.71B	22.43B	23.29B	18.37B
	Total Debt
3.30M	9.40M	1.10M	2.80M	5.04M	6.09M
	Net Debt
-189.10M	-188.70M	-176.80M	-180.20M	-1.44B	-1.53B
	Total Liabilities
27.39B	28.95B	24.52B	22.26B	23.12B	18.23B
	Stockholders Equity
190.80M	208.30M	189.90M	173.20M	163.27M	140.92M
Cash Flow		Free Cash Flow
209.90M	276.30M	6.50M	235.90M	-56.90M	227.89M
	Operating Cash Flow
211.10M	277.20M	7.20M	236.30M	-56.24M	228.75M
	Investing Cash Flow
-17.10M	29.40M	-14.40M	-2.50M	-9.35M	-2.32M
	Financing Cash Flow
-37.60M	-36.80M	-37.10M	-36.60M	-31.73M	-29.23M

IntegraFin Holdings PLC Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 324.50
• 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:IHP, the sentiment is Negative. The current price of 324.5 is below the 20-day moving average (MA) of 325.45, below the 50-day MA of 343.01, and below the 200-day MA of 355.87, indicating a bearish trend. The MACD of -3.96 indicates Negative momentum. The RSI at 40.59 is Neutral, neither overbought nor oversold. The STOCH value of 38.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:IHP.

IntegraFin Holdings PLC Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AJB	76 Outperform	£1.71B	20.63	45.56%	2.96%	23.46%	23.33%
POLR	73 Outperform	£427.78M	10.27	33.77%	10.24%	18.08%	22.78%
ABDN	69 Neutral	£3.02B	12.83	4.88%	8.62%	-5.51%	1596.15%
IHP	66 Neutral	£1.07B	20.59	26.17%	3.20%	25.92%	4.45%
STJ	65 Neutral	£5.52B	14.06	35.30%	1.36%	36.14%	―
Sector *	64 Neutral	$14.59B	10.31	8.70%	4.21%	16.52%	-11.97%

IntegraFin Holdings PLC Corporate Events

IntegraFin Holdings PLC Announces Change in Voting Rights

IntegraFin Holdings PLC has announced a change in its voting rights structure due to an acquisition or disposal by Liontrust Investment Partners LLP. The transaction has resulted in Liontrust holding a total of 4.9611% of IntegraFin’s voting rights, which may influence the company’s decision-making processes and impact its market position.

IntegraFin Allocates Shares to Key Directors Under Incentive Plan

IntegraFin Holdings PLC has announced that its Share Incentive Plan trustee has allocated ordinary shares to key directors, including CEO Alexander Scott and Group Counsel David Johnson. This allocation, part of the company’s 2018 Share Incentive Plan, involves both partnership and matching shares, acquired at a market price of £3.315 per share. This move reflects the company’s ongoing commitment to aligning management interests with shareholder value, potentially impacting stakeholder confidence and market perception.

IntegraFin Holdings PLC Successfully Passes All AGM Resolutions

IntegraFin Holdings PLC announced that all resolutions proposed at its Annual General Meeting held on February 27, 2025, were successfully passed. Key resolutions included the approval of the company’s annual report, directors’ remuneration report, and the re-election of several directors. Additionally, the company authorized the reappointment of Ernst & Young LLP as auditors and granted authority for various corporate actions such as allotting new shares and purchasing company shares. These decisions reflect strong shareholder support and are likely to impact the company’s governance and strategic direction positively.

IntegraFin Allocates Shares to Key Executives Under Incentive Plan

IntegraFin Holdings PLC announced that its Share Incentive Plan trustee has allocated ordinary shares to key managerial personnel, including CEO Alexander Scott and Group Counsel David Johnson. This allocation, part of the company’s 2018 Share Incentive Plan, involves both partnership and matching shares, purchased at a market price of £3.415 per share, reflecting the company’s commitment to aligning managerial interests with shareholder value.

IntegraFin Holdings Revises AGM Notice Recommendations

IntegraFin Holdings plc announced a revision to its Notice of Annual General Meeting for 2025, specifically amending the language regarding board recommendations for voting on resolutions. The change clarifies that the Board, rather than the directors, recommend voting in favor of all resolutions, asserting the move is in the best interest of both the company and its shareholders. This update, submitted to the UK Listing Authority, emphasizes the company’s commitment to transparency and accuracy in its governance communications.

IntegraFin Allocates Shares to Directors Under Incentive Plan

IntegraFin Holdings PLC has announced the allocation of ordinary shares to its directors under the company’s Share Incentive Plan. The shares, acquired at a market price of £3.63 each, were purchased through the reinvestment of the December 2024 interim dividend. This move aligns with the company’s strategy to incentivize management, potentially impacting the company’s operational efficiency and stakeholder alignment positively.

IntegraFin Holdings PLC Publishes 2024 Annual Report and Announces AGM

IntegraFin Holdings PLC has released its Annual Report and Financial Statements for the fiscal year ending 30 September 2024, alongside the Notice of its upcoming Annual General Meeting scheduled for 27 February 2025. This announcement highlights the company’s commitment to transparency and regulatory compliance, providing shareholders with detailed financial insights and governance matters, which may influence investor confidence and market positioning.

IntegraFin Holdings PLC Allocates Shares to Key Executives

IntegraFin Holdings PLC announced the allocation of ordinary shares to its directors and other key managerial personnel as part of its Share Incentive Plan. This transaction, carried out at a price of £3.615 per share, aims to align the interests of the company’s leadership with shareholders and enhance motivation among key executives, potentially impacting the company’s operational focus and market performance.

IntegraFin’s CFO Engages in Share Purchase, Enhancing Governance Transparency

On January 16, 2025, IntegraFin Holdings PLC disclosed a share transaction by Euan Marshall, the company’s CFO, who purchased 4,500 shares at £3.4989 each. This transaction is part of the company’s compliance with the EU Market Abuse Regulation, indicating transparency in managerial dealings, which could reassure stakeholders about the company’s governance practices.

IntegraFin Reports Strong Q1 Growth Driven by Digital Enhancements

IntegraFin Holdings PLC reported significant growth in its Q1 FY25 trading update, with the Transact platform achieving strong net inflows of £0.9bn, marking a notable increase from the previous year. The company’s strategic focus on digitalization has led to record-high funds under direction and gross inflows, positioning IntegraFin for future growth in the UK adviser platform market.

IntegraFin Allocates Shares to Key Managers

IntegraFin Holdings PLC announced the allocation of ordinary shares to its directors and persons discharging managerial responsibilities under the company’s Share Incentive Plan. This move is a part of the IntegraFin Performance Share Plan 2018, with shares purchased at £3.195 each. This transaction underscores the company’s commitment to aligning the interests of its management with those of its shareholders, potentially enhancing stakeholder value.

IntegraFin Holdings Appoints Irene McDermott Brown as Non-Executive Director

IntegraFin Holdings PLC has announced the appointment of Irene McDermott Brown as a non-executive director, effective January 1, 2025. With her extensive experience at M&G and Barclays, and her current role as a non-executive director at Lancashire Holdings Limited, Irene is poised to impact IntegraFin’s board operations positively. She will join the Nomination and Remuneration Committees and chair the latter upon regulatory approval, signaling a strategic enhancement of the company’s governance and leadership capabilities.