IntegraFin Holdings PLC (IHP) AI Stock Analysis

• Market Cap: £1.18B
• Dividend Yield: 3.11%
• Average Volume (3M): 630.58K
• Price to Earnings (P/E): 23.0
• Beta (1Y): 1.56
• Revenue Growth: 7.13%
• EPS Growth: -1.52%
• Country: UK
• Employees: 666
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.09
• Shares Outstanding: 331,322,020
• 10 Day Avg. Volume: 950,635
• 30 Day Avg. Volume: 630,575
• PEG Ratio: 0.00
• Price to Book (P/B): 5.10
• Price to Sales (P/S): 5.78
• P/FCF Ratio: 3.41
• 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: £435.00
• Price Target Upside: 22.02% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 3
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 72 Outperform
• Price Target: 394.00p ▲(10.52% Upside)

IntegraFin Holdings PLC shows strong financial performance with robust revenue growth and profitability, supported by a solid balance sheet. The technical indicators suggest a positive trend, and the earnings call provided optimistic guidance with strong growth in net inflows and earnings. However, the valuation indicates potential overvaluation, and operational efficiency needs improvement. Overall, the stock presents a stable investment with growth potential, but attention to operational challenges is necessary.

Positive Factors

Revenue Growth

The consistent revenue growth indicates strong market demand and effective business strategies, enhancing long-term financial stability.

Net Inflows

Significant net inflows suggest robust client acquisition and retention, strengthening the company's market position and future revenue potential.

Cost Efficiency

The cost and efficiency review enhances operational efficiency, improving profitability and competitive advantage over the long term.

Negative Factors

EBIT and EBITDA Margins

Deteriorating margins indicate rising costs or inefficiencies, potentially impacting profitability and requiring strategic adjustments.

Revenue Margin Attrition

Declining revenue margins due to pricing adjustments could pressure earnings, necessitating focus on cost management and value-added services.

Administrative Expense Increase

Rising administrative costs can erode profit margins, highlighting the need for improved cost control measures to sustain financial health.

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 generates revenue primarily through platform fees charged to financial advisers and their clients for the use of its investment platform. These fees can include annual management fees, transaction fees, and other service-related charges. Additionally, the company may earn income from the administration of assets held on its platform, as well as from any ancillary services offered to advisers and clients. IntegraFin's revenue model is supported by a growing number of adviser partnerships, which enhance its market presence and customer base. The company's financial performance is also influenced by factors such as asset inflows, market conditions, and the overall growth of the investment platform industry.

IntegraFin Holdings PLC Financial Statement Overview

Summary

IntegraFin Holdings PLC demonstrates strong revenue growth and profitability, supported by a robust balance sheet with low leverage. However, operational challenges are evident in declining EBIT and EBITDA margins. The company maintains strong cash flow generation, ensuring liquidity and financial flexibility. Overall, the financial health is stable, but attention is needed on operational efficiency.

Income Statement

IntegraFin Holdings PLC shows strong revenue growth with a 22.41% increase in the latest year, indicating robust business expansion. However, the company has experienced a significant decline in EBIT and EBITDA margins, turning negative, which suggests operational inefficiencies or increased costs. Despite this, the net profit margin remains healthy at 25.87%, supported by a substantial gross profit margin of 96.82%.

Balance Sheet

The balance sheet is solid with a low debt-to-equity ratio of 0.06, indicating conservative leverage and financial stability. Return on equity is strong at 22.81%, reflecting effective use of equity to generate profits. However, the equity ratio is low, suggesting a high proportion of assets are financed by liabilities.

Cash Flow

Cash flow analysis reveals a slight decline in free cash flow growth, but the company maintains a high operating cash flow to net income ratio of 7.88, indicating strong cash generation relative to earnings. The free cash flow to net income ratio is nearly 1, showing efficient conversion of earnings into cash.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	198.30M	198.30M	144.90M	134.90M	133.60M	123.70M
Gross Profit	192.00M	192.00M	141.90M	131.00M	90.00M	150.62M
EBITDA	-191.40M	-191.40M	110.10M	-153.70M	-130.50M	97.90M
Net Income	51.30M	51.30M	52.10M	49.90M	44.00M	51.10M
Balance Sheet
Total Assets	34.08B	34.08B	29.16B	24.71B	22.43B	23.29B
Cash, Cash Equivalents and Short-Term Investments	268.40M	268.40M	200.70M	200.30M	186.10M	1.45B
Total Debt	13.00M	13.00M	9.40M	1.10M	2.80M	7.36M
Total Liabilities	33.85B	33.85B	28.95B	24.52B	22.26B	23.12B
Stockholders Equity	224.90M	224.90M	208.30M	189.90M	173.20M	163.27M
Cash Flow
Free Cash Flow	330.60M	335.90M	276.30M	6.50M	235.90M	-56.90M
Operating Cash Flow	335.20M	340.50M	277.20M	7.20M	236.30M	-56.24M
Investing Cash Flow	-28.40M	-28.40M	29.40M	-14.40M	400.00K	-9.35M
Financing Cash Flow	-39.90M	-39.90M	-36.80M	-37.10M	-37.90M	-31.73M

IntegraFin Holdings PLC Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 356.50
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• 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 Positive. The current price of 356.5 is above the 20-day moving average (MA) of 345.97, above the 50-day MA of 342.33, and above the 200-day MA of 328.91, indicating a bullish trend. The MACD of 4.27 indicates Negative momentum. The RSI at 62.72 is Neutral, neither overbought nor oversold. The STOCH value of 41.09 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
EMG	76 Outperform	£2.85B	20.60	12.23%	5.71%	-10.85%	-42.02%
RAT	76 Outperform	£2.09B	33.23	4.75%	4.91%	14.05%	-3.07%
IHP	72 Outperform	£1.18B	22.96	23.68%	3.11%	7.13%	-1.52%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
ASHM	67 Neutral	£1.22B	15.18	9.75%	9.91%	-28.89%	-12.14%
QLT	66 Neutral	£2.51B	-2,067.78	-0.05%	3.40%	-28.04%	-102.43%
AJB	65 Neutral	£1.81B	17.66	49.89%	2.43%	17.97%	25.51%

IntegraFin Holdings PLC Corporate Events

IntegraFin Aligns Executives With Investors Through New Share Incentive Awards

IntegraFin Holdings has disclosed a series of management share transactions under its employee and executive incentive arrangements, with CEO Alexander Scott, CFO Euan Marshall and subsidiary executive director Thomas Dunbar receiving partnership and matching shares through the company’s Share Incentive Plan at £3.55 per share. In addition, the board has granted sizeable new conditional share awards for FY26 under its Combined Incentive Plan and confirmed the final share outturn for FY25 awards after assessing performance conditions, moves that further align senior executives’ remuneration with shareholder interests and reinforce the group’s commitment to performance‑linked, equity-based pay structures.

The most recent analyst rating on (GB:IHP) stock is a Buy with a £394.00 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

IntegraFin Non-Executive Director Rita Dhut Buys Shares in the Company

IntegraFin Holdings plc has disclosed that non-executive director Rita Dhut purchased 5,570 ordinary shares in the company on 19 December 2025 at a price of £3.565 per share. The transaction, conducted on the London Stock Exchange and notified under EU Market Abuse Regulation rules, modestly increases insider ownership and offers investors additional transparency into board members’ confidence in the company’s prospects.

The most recent analyst rating on (GB:IHP) stock is a Buy with a £450.00 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

IntegraFin CFO Euan Marshall Buys Additional Shares in the Company

IntegraFin Holdings plc disclosed that its chief financial officer, Euan Marshall, purchased 6,000 ordinary shares in the company on 18 December 2025 at a price of £3.541 per share. The transaction, carried out on the London Stock Exchange and notified under EU Market Abuse Regulation rules, signals additional equity exposure by a senior executive and provides investors with transparent insight into board-level share dealings.

The most recent analyst rating on (GB:IHP) stock is a Buy with a £440.00 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

IntegraFin Holdings PLC Reports Strong Financial Growth in FY25

IntegraFin Holdings PLC reported strong financial results for the year ending September 2025, with a 7% increase in underlying profit before tax to £75.4 million and a 7% rise in underlying earnings per share to 17.4p. The company completed a cost review, identifying efficiency improvements to accelerate future earnings growth. The Transact platform saw a 16% growth in funds under direction to £74.2 billion, driven by significant net inflows and a 5% increase in its client base. The company is well-positioned to capture further market share in the UK adviser platform market, supported by its focus on digitalization and integration enhancements.

The most recent analyst rating on (GB:IHP) stock is a Buy with a £440.00 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 has announced the allocation of ordinary shares to its directors under the company’s Share Incentive Plan. This allocation involves the purchase of partnership shares and the allocation of matching shares at a price of £3.355 per share, reflecting the company’s commitment to aligning managerial interests with shareholder value.

The most recent analyst rating on (GB:IHP) stock is a Buy with a £4.30 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 Key Executives Under Incentive Plan

IntegraFin Holdings PLC has announced the allocation of ordinary shares to its directors under the company’s Share Incentive Plan. This move involves the purchase and allocation of shares to key executives, including the CEO, Executive Director, and CFO, reflecting the company’s commitment to aligning management interests with shareholder value. The transactions were conducted at a price of £3.60 per share, highlighting the company’s strategic focus on incentivizing its leadership team.

The most recent analyst rating on (GB:IHP) stock is a Buy with a £4.30 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

IntegraFin Holdings PLC Reports Strong Q4 FY25 Performance and Strategic Growth Plans

IntegraFin Holdings PLC reported strong financial performance for Q4 FY25, with net inflows of £1.0bn, marking a 28% increase from the previous year. The company achieved record funds under direction of £74.2bn, driven by enhancements to its Transact platform. The Group expects continued growth in net inflows and has identified cost efficiencies to enhance future earnings. The ongoing cost review and strategic focus on technology position IntegraFin to capitalize on opportunities in the UK advice market.

The most recent analyst rating on (GB:IHP) stock is a Buy with a £4.50 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.