Fintel PLC stock analysis
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Fintel PLC (FNTL) Share Price & Analysis
FNTL Stock Chart & Stats
- Day’s Range
- GBX 178.63 - GBX 182.00
- 52-Week Range
- GBX 155.00 - GBX 275.00
- Previous Close
- GBX 181.00
- Volume
- N/A
- Average Volume (3M)
- 290.14K
- Market Cap
- GBP 188.59M
- Enterprise Value
- GBP 227.39M
- Total Cash (Recent Filing)
- GBP 7.30M
- Total Debt (Recent Filing)
- GBP 45.70M
- Price to Earnings (P/E)
- 24.6
- Beta
- 0.97
- Next Earnings
- Mar 23, 2027 (Est.)
- EPS Estimate
- N/A
- Last Dividend Ex-Date
- Sep 24, 2026
- Dividend Yield
- 2.15%
Bulls Say, Bears Say
Bulls Say
Revenue And Operating Improvement
Higher revenue alongside improved operating and EBITDA margins indicates stronger recent execution across the business. If maintained, better operating leverage can support reinvestment in adviser technology and platforms while providing a more durable base for earnings growth over the next several quarters.
Free Cash Flow Generation
The sharp recovery in free cash flow and close alignment with net income indicate strong earnings quality in the latest year. This improves Fintel’s ability to fund operations, invest in its platforms, service obligations, and potentially return capital without relying as heavily on external financing.
Substantial Equity Base
A sizeable equity base provides a meaningful financial foundation for Fintel’s software, distribution, and support activities. This capital cushion can help absorb operating variability and preserve strategic flexibility, even though the company’s increased debt means that balance-sheet strength is not without constraints.
Bears Say
Rising Leverage
The material increase in debt raises fixed financial commitments and reduces flexibility for future investment or shareholder returns. Higher leverage also makes Fintel more exposed to weaker operating performance, because a larger portion of future cash generation may be required to support the balance sheet.
Lower Net Margin
Although operating profitability improved, weaker net-margin conversion shows that less of each revenue pound is reaching the bottom line than in earlier periods. If this remains persistent, it could limit earnings scalability and reduce the benefit shareholders receive from continued revenue growth.
Cash Flow Volatility
The strong 2025 free-cash-flow result has not yet demonstrated consistent repeatability because the prior year was weak and operating cash conversion remained moderate. Working-capital or timing swings could therefore make internally generated funding less predictable across the next several reporting periods.
Fintel PLC News
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Fintel PLC Stock Smart Score
Company Description
Fintel PLC
Fintel Plc, a company established in 2002 and headquartered in Huddersfield, UK, is a key provider of support services and market access within the United Kingdom's retail financial services sector. Operating under its current name since March 2021, having previously been known as The SimplyBiz Group plc, Fintel's activities are structured across three primary divisions: Intermediary Services, Distribution Channels, and Fintech & Research. The Intermediary Services segment specializes in offering essential compliance and regulatory guidance to a diverse range of directly authorized financial intermediary firms, including independent financial advisors, mortgage professionals, workplace benefits consultants, and wealth management experts. Through its Distribution Channels segment, Fintel facilitates market engagement for financial institutions. This involves providing strategic marketing and promotional support, aiding in product placement on approved panels, and engaging in co-manufacturing initiatives. Additionally, this segment conducts vital survey paneling and surveying activities specifically for mortgage lenders. The robust Fintech & Research division stands out with its advanced Fintech platform, serving approximately 8,000 users across 3,300 companies. It is also a key source of independent ratings for an extensive portfolio of 21,000 financial products and investment funds, with its assessments trusted by 250 brands. This division further empowers product providers by supplying critical market insights, expertise in product design and compliance, and targeted distribution strategies. For intermediaries, it delivers tools for comprehensive product research and comparison, cutting-edge financial planning and advice technology, and streamlined centralized data and workflow solutions. Finally, consumers benefit from its offerings through informative product education, comparative analysis, and clear rating services.
- Sector
- Industrials
- Industry
- Consulting Services
- CEO
- Matthew Lloyd Timmins
- Employees
- 500
- Website
- www.wearefintel.com
- Address
- Fintel House, Huddersfield, WY, HD1 6NA, GB
Fintel PLC (FNTL) Earnings & Revenues
Technical Analysis
Overall Consensus
| Indicator | Bullish | Neutral | Bearish |
|---|---|---|---|
| Overall Consensus | 11 | 4 | 7 |
| Technical Analysis | 2 | 4 | 4 |
| Moving Averages | 9 | 0 | 3 |
