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IntegraFin Holdings PLC (GB:IHP)
LSE:IHP
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IntegraFin Holdings PLC (IHP) AI Stock Analysis

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GB

IntegraFin Holdings PLC

(LSE:IHP)

Rating:75Outperform
Price Target:
413.00p
▲(11.47%Upside)
IntegraFin Holdings PLC scores well due to its strong financial performance and positive corporate events, which highlight operational success and strategic alignment with shareholder interests. Technical analysis presents a cautious outlook due to overbought signals, while valuation remains fair. The absence of earnings call data means reliance is placed on other available insights.

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 exhibits strong financial health with consistent revenue growth and high profitability margins. The balance sheet is sound with low leverage and impressive returns on equity, while cash flow metrics are exceptionally robust, reflecting effective cash management. The main risk is potential liability growth outpacing equity.
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.
BreakdownSep 2024Sep 2023Sep 2022Sep 2021Sep 2020
Income Statement
Total Revenue144.90M134.90M95.10M155.19M104.25M
Gross Profit141.90M131.00M90.00M150.62M100.83M
EBITDA110.10M67.50M-130.50M-28.82M-72.84M
Net Income52.10M49.90M44.00M51.10M45.48M
Balance Sheet
Total Assets29.16B24.71B22.43B23.29B18.37B
Cash, Cash Equivalents and Short-Term Investments200.70M200.30M186.10M1.45B1.54B
Total Debt9.40M1.10M2.80M5.04M6.09M
Total Liabilities28.95B24.52B22.26B23.12B18.23B
Stockholders Equity208.30M189.90M173.20M163.27M140.92M
Cash Flow
Free Cash Flow276.30M6.50M235.90M-56.90M227.89M
Operating Cash Flow277.20M7.20M236.30M-56.24M228.75M
Investing Cash Flow29.40M-14.40M-2.50M-9.35M-2.32M
Financing Cash Flow-36.80M-37.10M-36.60M-31.73M-29.23M

IntegraFin Holdings PLC Technical Analysis

Technical Analysis Sentiment
Positive
Last Price370.50
Price Trends
50DMA
323.27
Positive
100DMA
316.34
Positive
200DMA
336.18
Positive
Market Momentum
MACD
15.28
Negative
RSI
69.43
Neutral
STOCH
70.61
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 370.5 is above the 20-day moving average (MA) of 335.32, above the 50-day MA of 323.27, and above the 200-day MA of 336.18, indicating a bullish trend. The MACD of 15.28 indicates Negative momentum. The RSI at 69.43 is Neutral, neither overbought nor oversold. The STOCH value of 70.61 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
80
Outperform
£1.13B15.798.62%1223.91%0.82%-26.44%
GBAJB
79
Outperform
£2.11B24.0247.17%244.49%18.52%9.87%
GBRAT
77
Outperform
£2.01B30.224.83%614.50%49.59%18.13%
GBEMG
76
Outperform
£2.07B9.1217.94%4.40%18.85%26.14%
GBIHP
75
Outperform
£1.23B25.2024.70%283.40%-4.17%-6.46%
64
Neutral
$6.64B10.237.22%200.95%24.10%5.12%
$3.07B41.85-2.38%5.26%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:IHP
IntegraFin Holdings PLC
370.50
4.17
1.14%
GB:ASHM
Ashmore Group PLC
177.30
22.74
14.71%
GB:EMG
Man Group plc
180.80
-57.25
-24.05%
GB:RAT
Rathbones Group PLC
1,904.00
256.10
15.54%
GB:AJB
AJ BELL PLC
521.50
100.83
23.97%
QUILF
Quilter
2.30
0.72
45.57%

IntegraFin Holdings PLC Corporate Events

Regulatory Filings and Compliance
IntegraFin Holdings Announces Share Purchase by CFO Associate
Neutral
Jul 18, 2025

IntegraFin Holdings plc has announced a share transaction involving Elisabeth Grey-Davies, who is closely associated with Euan Marshall, the company’s CFO. Grey-Davies purchased 4,000 ordinary shares at a price of £3.68019 each on July 17, 2025, at the London Stock Exchange. This transaction is disclosed in compliance with the EU Market Abuse Regulation and highlights the ongoing investment activities within the company’s management circle.

The most recent analyst rating on (GB:IHP) stock is a Buy with a £4.25 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 PLC Reports Strong Q3 Performance and Initiates Cost Review
Positive
Jul 15, 2025

IntegraFin Holdings PLC reported robust Q3 performance with net inflows of £1.2bn, marking an 84% increase from the previous year and the fourth consecutive quarter of growth. The company is undergoing a Group-wide cost review to enhance efficiency and productivity, aiming to sustain future earnings growth while maintaining its strong market position.

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 ChangesDividends
IntegraFin Allocates Shares to Key Directors Under Incentive Plan
Positive
Jul 7, 2025

IntegraFin Holdings PLC announced that its Share Incentive Plan trustee allocated ordinary shares to key directors, Alexander Scott and David Johnson, as part of the company’s dividend reinvestment scheme. This transaction, conducted at a price of £3.24 per share, reflects the company’s ongoing commitment to aligning managerial interests with shareholder value, potentially enhancing stakeholder confidence in its governance practices.

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.

Other
BlackRock Adjusts Stake in IntegraFin Holdings
Neutral
Jul 2, 2025

IntegraFin Holdings PLC, a UK-based company, has announced a change in the voting rights held by BlackRock, Inc., a major stakeholder. BlackRock’s total voting rights in IntegraFin have decreased from 10.97% to 9.95%, following a disposal of financial instruments and voting rights. This adjustment in BlackRock’s holdings could impact IntegraFin’s shareholder dynamics and influence within the financial industry.

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
Neutral
Jun 24, 2025

IntegraFin Holdings PLC has announced the allocation of ordinary shares to its directors under the company’s Share Incentive Plan. The shares were acquired through market purchase and allocated to CEO Alexander Scott and Group Counsel David Johnson, reflecting the company’s commitment to aligning management interests with shareholder value.

The most recent analyst rating on (GB:IHP) stock is a Buy with a £3.75 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

Regulatory Filings and Compliance
IntegraFin CFO Acquires Shares, Signaling Confidence in Company
Positive
Jun 19, 2025

IntegraFin Holdings PLC announced a share transaction involving its CFO, Euan Marshall, who purchased 5,000 ordinary shares at a price of £2.9569 each on June 18, 2025. This transaction, disclosed in accordance with EU Market Abuse Regulation, underscores the confidence of the company’s management in its market position and future prospects.

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.

Other
Montanaro Asset Management Increases Stake in IntegraFin Holdings
Neutral
Jun 18, 2025

IntegraFin Holdings PLC has announced a change in its major holdings, with Montanaro Asset Management Limited increasing its voting rights from 2.97% to 3.03%. This acquisition of voting rights indicates a slight increase in Montanaro’s influence over the company, potentially impacting future decision-making processes and signaling confidence in IntegraFin’s market position.

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
Jun 13, 2025

Liontrust Investment Partners LLP has increased its voting rights in IntegraFin Holdings PLC to 5.1813%, crossing the previous threshold of 5.0153%. 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.

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.

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.Date of analysis: Jul 16, 2025