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IntegraFin Holdings PLC (GB:IHP)
LSE:IHP

IntegraFin Holdings PLC (IHP) AI Stock Analysis

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GB

IntegraFin Holdings PLC

(LSE:IHP)

Rating:77Outperform
Price Target:
366.00p
▲(14.02%Upside)
IntegraFin Holdings PLC's strong financial performance and positive corporate events are significant strengths. The company's stable financials and high profitability are complemented by insider confidence and strategic management actions. Despite moderate technical signals and fair valuation, these strengths underpin a solid overall stock score.

IntegraFin Holdings PLC (IHP) vs. iShares MSCI United Kingdom ETF (EWC)

IntegraFin Holdings PLC Business Overview & Revenue Model

Company DescriptionIntegraFin Holdings plc, together with its subsidiaries, provides an investment platform for UK financial advisers and their clients. The company operates Transact platform that delivers an infrastructure, which enables advisers to implement financial plans, as well as provides real-time day-to-day and technical support services, as well as enables advisers to simplify management of the complex investment needs of clients. It also provides personal service to advisers and their clients; offers access to approximately 8,000 funds and assets listed on stock markets; and provides access to report and analysis tools, investment portfolio management, lifetime cash flow modelling, and other services. In addition, the company offers software development and maintenance; life insurance and assurance; consultancy; financial planning software; and investment administration services. IntegraFin Holdings plc was founded in 1999 and is headquartered in London, the United Kingdom.
How the Company Makes MoneyIntegraFin Holdings PLC generates revenue primarily through the fees associated with its investment platform services. These fees are typically charged as a percentage of assets under administration (AUA) on the Transact platform. The company benefits from a scalable business model where its earnings grow with the increase in client assets. Additionally, IntegraFin may earn revenue from subscription fees for its software services and transaction fees. The company's financial performance is significantly influenced by market conditions affecting asset values and by its ability to maintain and grow its client base through strong relationships with financial advisers.

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
82
Very Positive
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
75
Positive
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
88
Very Positive
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
TTMSep 2024Sep 2023Sep 2022Sep 2021Sep 2020
Income StatementTotal Revenue
138.00M144.90M134.90M95.10M155.19M104.25M
Gross Profit
119.70M141.90M131.00M90.00M150.62M100.83M
EBIT
-63.60M57.00M56.30M-133.50M-31.89M-75.41M
EBITDA
-2.44B110.10M67.50M-130.50M-28.82M-72.84M
Net Income Common Stockholders
52.30M52.10M49.90M44.00M51.10M45.48M
Balance SheetCash, Cash Equivalents and Short-Term Investments
215.10M200.70M200.30M186.10M1.45B1.54B
Total Assets
27.59B29.16B24.71B22.43B23.29B18.37B
Total Debt
3.30M9.40M1.10M2.80M5.04M6.09M
Net Debt
-189.10M-188.70M-176.80M-180.20M-1.44B-1.53B
Total Liabilities
27.39B28.95B24.52B22.26B23.12B18.23B
Stockholders Equity
190.80M208.30M189.90M173.20M163.27M140.92M
Cash FlowFree Cash Flow
209.90M276.30M6.50M235.90M-56.90M227.89M
Operating Cash Flow
211.10M277.20M7.20M236.30M-56.24M228.75M
Investing Cash Flow
-17.10M29.40M-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
Positive
Last Price321.00
Price Trends
50DMA
308.60
Positive
100DMA
324.34
Negative
200DMA
341.54
Negative
Market Momentum
MACD
2.42
Positive
RSI
55.58
Neutral
STOCH
60.00
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:IHP, the sentiment is Positive. The current price of 321 is above the 20-day moving average (MA) of 319.99, above the 50-day MA of 308.60, and below the 200-day MA of 341.54, indicating a neutral trend. The MACD of 2.42 indicates Positive momentum. The RSI at 55.58 is Neutral, neither overbought nor oversold. The STOCH value of 60.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:IHP.

IntegraFin Holdings PLC Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
GBAJB
80
Outperform
£1.99B22.5347.17%2.56%18.52%9.87%
GBIHP
77
Outperform
£1.07B21.9224.70%3.21%-4.17%-6.46%
GBRAT
77
Outperform
£1.72B25.944.83%5.68%49.59%18.13%
GBEMG
74
Outperform
£2.01B8.8017.94%7.32%18.85%26.14%
73
Outperform
£1.05B14.618.62%10.63%0.82%-26.44%
64
Neutral
$12.86B9.797.78%16985.65%12.28%-7.82%
$2.91B41.85-2.38%4.09%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:IHP
IntegraFin Holdings PLC
321.00
-8.50
-2.58%
GB:ASHM
Ashmore Group PLC
160.20
-7.38
-4.40%
GB:EMG
Man Group plc
178.30
-58.79
-24.80%
GB:RAT
Rathbones Group PLC
1,670.00
37.14
2.27%
GB:AJB
AJ BELL PLC
487.80
126.88
35.15%
QUILF
Quilter
1.85
0.37
25.00%

IntegraFin Holdings PLC Corporate Events

Other
IntegraFin Holdings PLC Announces Change in Major Shareholding
Neutral
Jun 4, 2025

IntegraFin Holdings PLC announced a change in its major shareholding, as Liontrust Investment Partners LLP has adjusted its voting rights in the company. The notification indicates that Liontrust’s total voting rights have decreased slightly from 5.0598% to 5.0153%, which may impact the company’s shareholder dynamics and influence in decision-making processes.

The most recent analyst rating on (GB:IHP) stock is a Hold with a £355.00 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

Business Operations and Strategy
Liontrust Increases Stake in IntegraFin Holdings
Neutral
May 30, 2025

Liontrust Investment Partners LLP has increased its voting rights in IntegraFin Holdings PLC to 5.0598%, surpassing the previous threshold of 4.9611%. This acquisition of voting rights indicates a strategic move by Liontrust to strengthen its influence within IntegraFin, potentially impacting the company’s governance and decision-making processes.

The most recent analyst rating on (GB:IHP) stock is a Hold with a £355.00 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
IntegraFin Allocates Shares to Directors Under Incentive Plan
Positive
May 22, 2025

IntegraFin Holdings PLC announced the allocation of ordinary shares to its directors under the company’s Share Incentive Plan. This allocation, involving the purchase and matching of shares, reflects the company’s commitment to aligning management’s interests with those of shareholders, potentially enhancing stakeholder confidence and reinforcing its market position.

The most recent analyst rating on (GB:IHP) stock is a Hold with a £350.00 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

Business Operations and StrategyRegulatory Filings and Compliance
IntegraFin CFO Acquires Shares, Signaling Confidence
Positive
May 21, 2025

IntegraFin Holdings PLC has announced a recent transaction involving its Chief Financial Officer, Euan Marshall, who purchased 6,000 shares at a price of £3.1699 per share. This transaction, disclosed in compliance with the EU Market Abuse Regulation, reflects managerial confidence in the company’s performance and prospects, potentially influencing stakeholder perceptions and market positioning.

The most recent analyst rating on (GB:IHP) stock is a Hold with a £350.00 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

Business Operations and StrategyFinancial Disclosures
IntegraFin Holdings Reports Robust Half-Year Growth Amid Market Volatility
Positive
May 21, 2025

IntegraFin Holdings PLC reported strong half-year results for the period ending March 31, 2025, with significant growth in key financial metrics. The company saw a 91% increase in net flows compared to the previous year, driven by the robust service proposition of its Transact platform. Despite a decrease in reported profit before tax due to a goodwill impairment, underlying profit before tax rose by 13%, and revenue increased by 10%. The company continues to focus on enhancing its platform and maintaining momentum in net inflows, despite recent global equity market volatility.

The most recent analyst rating on (GB:IHP) stock is a Hold with a £350.00 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
IntegraFin Allocates Shares to Directors Under Incentive Plan
Positive
Apr 23, 2025

IntegraFin Holdings PLC announced the allocation of ordinary shares to its directors under the company’s Share Incentive Plan. This move, involving the purchase and allocation of shares to key managerial personnel, underscores the company’s commitment to aligning the interests of its leadership with those of its shareholders, potentially impacting its market positioning positively.

Business Operations and StrategyFinancial Disclosures
IntegraFin Holdings Reports Record Q2 Performance with Strong Inflows
Positive
Apr 15, 2025

IntegraFin Holdings PLC reported strong financial performance for Q2 FY25, with net inflows of £1.2bn, marking a 53% increase from the previous year. The company achieved record high gross inflows and an 8% increase in funds under direction, reflecting its robust market position and effective client service strategy.

M&A TransactionsBusiness Operations and Strategy
IntegraFin Holdings PLC Announces Change in Voting Rights
Neutral
Mar 26, 2025

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.

Executive/Board ChangesBusiness Operations and Strategy
IntegraFin Allocates Shares to Key Directors Under Incentive Plan
Neutral
Mar 24, 2025

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.

Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.

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.