IntegraFin Holdings PLC (84N) Stock Price & Analysis
84N Stock Chart & Stats
- Day’s Range
- EUR 4.46 - EUR 4.50
- 52-Week Range
- EUR 3.34 - EUR 4.58
- Previous Close
- EUR 4.50
- Volume
- 0
- Average Volume (3M)
- 80
- Market Cap
- EUR 1.49B
- Enterprise Value
- EUR 736.18M
- Total Cash (Recent Filing)
- EUR 290.80M
- Total Debt (Recent Filing)
- EUR 13.20M
- Price to Earnings (P/E)
- 19.7
- Beta
- 0.97
- Next Earnings
- Dec 09, 2026 (Est.)
- EPS Estimate
- 0.12
- Next Dividend Ex-Date
- N/A
- Dividend Yield
- 2.98%
Bulls Say, Bears Say
Bulls Say
Recurring Platform Growth
The predominance of recurring platform revenue gives IntegraFin a relatively predictable income base, while double-digit growth shows continued client adoption. This combination supports visibility into future earnings and makes the business less dependent on one-off transactions.
Strong Market Position
A leading position in adviser platform inflows indicates meaningful competitive relevance and distribution strength. Market share and ranking can reinforce adviser trust, support ongoing asset gathering, and create a durable foundation for recurring fees as client assets remain on the platform.
Cash-generative Profitability
Profit growth accompanied by near-complete conversion of earnings into liquidity demonstrates strong cash generation rather than purely accounting-led performance. This provides capacity to fund technology investment, support dividends, and preserve flexibility while the platform continues expanding.
Bears Say
Platform Margin Pressure
Further margin moderation could limit how much of future funds-under-direction growth translates into revenue and profit. Tiered pricing and lower family-linked fees represent ongoing structural pressure, making continued asset gathering and cost control increasingly important.
Higher Regulatory Capital Needs
A materially higher capital requirement can tie up liquidity that might otherwise support investment, distributions, or operational flexibility. Although management does not expect the increase to repeat at the same rate, the change raises ongoing capital-planning and regulatory execution demands.
Cost Discipline Challenge
Expense growth above the headcount trend suggests that staffing and operating-cost control remain important execution challenges. If administrative costs continue rising faster than revenue, the effect could constrain margin expansion and reduce the durability of recent profitability gains.
IntegraFin Holdings PLC News
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IntegraFin Holdings PLC Stock Smart Score
Company Description
IntegraFin Holdings PLC
IntegraFin Holdings plc, together with its subsidiaries, provides software and services for clients and UK financial advisers in the United Kingdom and Isle of Man. It operates through three segments: Investment Administration Services, Insurance and Life Assurance Business, and Adviser Back-Office Technology. The company operates Transact, a wrap platform that enable advisers to consolidate their client investments using tax efficient wrappers and provide range of investment choice; and Time4Advice, an adviser practice management solution. It also provides software provision and development, and maintenance; life insurance and assurance; financial planning software; and investment administration services. IntegraFin Holdings plc was founded in 1999 and is headquartered in London, the United Kingdom.
- Sector
- Financial
- Industry
- Asset Management
- CEO
- Alexander Scott
- Employees
- 682
- Website
- www.integrafin.co.uk
- Address
- 2 Gresham Street, London, GL, EC2V 7AD, GB
IntegraFin Holdings PLC (84N) Earnings & Revenues
84N Earnings Call
Earnings Call SentimentPositive
The call presented a broadly positive performance: strong record gross inflows, double‑digit revenue growth, robust profit growth (PBT +16%) and margin expansion to 51%, supported by excellent cash conversion and an increased interim dividend. Operational initiatives—APIs, automation and selective AI adoption—are intended to drive further efficiency and scalability. Headwinds are manageable: revenue margin moderation from tiered pricing and prior fee reductions, a one‑off rise in regulatory capital requirements, and some non‑recurring cost benefits that temper sustainable cost declines. Management reiterated conservative cost guidance (3% admin growth) and maintained capital allocation discipline. On balance, the strengths and momentum materially outweigh the manageable challenges.
View all DE:84N earnings summaries84N Stock 12 Month Forecast
Average Price Target
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 16 | 1 | 4 |
| Technical Analysis | 4 | 1 | 4 |
| Moving Averages | 12 | 0 | 0 |