IntegraFin Holdings PLC (IHP) AI Stock Analysis

• Market Cap: £1.07B
• Dividend Yield: 3.21%
• Average Volume (3M): 475.36K
• Price to Earnings (P/E): 21.9
• Beta (1Y): 1.44
• Revenue Growth: -4.17%
• EPS Growth: -6.46%
• Country: UK
• Employees: 666
• Sector: Financial
• Sector Strength: 81
• Industry: Asset Management
• EPS (TTM): 0.09
• Shares Outstanding: 331,322,020
• 10 Day Avg. Volume: 482,946
• 30 Day Avg. Volume: 475,358
• PEG Ratio: 2.98
• Price to Book (P/B): 4.99
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 4.96
• 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: £372.00
• Price Target Upside: 15.89% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 6

• Rating: 77 Outperform
• 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 Business Overview & Revenue Model

Company Description

IntegraFin 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 Money

IntegraFin 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

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: Positive
• Last Price: 321.00
• 50DMA: Positive
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• 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 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
AJB	80 Outperform	£1.99B	22.53	47.17%	2.56%	18.52%	9.87%
IHP	77 Outperform	£1.07B	21.92	24.70%	3.21%	-4.17%	-6.46%
RAT	77 Outperform	£1.72B	25.94	4.83%	5.68%	49.59%	18.13%
EMG	74 Outperform	£2.01B	8.80	17.94%	7.32%	18.85%	26.14%
ASHM	73 Outperform	£1.05B	14.61	8.62%	10.63%	0.82%	-26.44%
Sector *	64 Neutral	$12.86B	9.79	7.78%	16985.65%	12.28%	-7.82%
QUILF		$2.91B	41.85	-2.38%	4.09%	―	―

IntegraFin Holdings PLC Corporate Events

IntegraFin Holdings PLC Announces Change in Major Shareholding

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.

Liontrust Increases Stake in IntegraFin Holdings

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.

IntegraFin Allocates Shares to Directors Under Incentive Plan

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.

IntegraFin CFO Acquires Shares, Signaling Confidence

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.

IntegraFin Holdings Reports Robust Half-Year Growth Amid Market Volatility

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.

IntegraFin Allocates Shares to Directors Under Incentive Plan

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.

IntegraFin Holdings Reports Record Q2 Performance with Strong Inflows

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.

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.