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Fintel PLC (GB:FNTL)
LSE:FNTL
UK Market
FNTL
Fintel PLC
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Fintel PLC (FNTL) Ratios

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Fintel PLC Ratios

GB:FNTL's free cash flow for Q2 2026 was £0.20. For the 2026 fiscal year, GB:FNTL's free cash flow was decreased by £ and operating cash flow was £0.20. See a summary of the company’s cash flow.
Ratios
TTM
Dec 25Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
 0.72 1.18 0.79 1.08 1.25
Quick Ratio
 0.72 1.18 0.79 1.08 1.25
Cash Ratio
 0.25 0.63 0.23 0.60 0.67
Solvency Ratio
 0.19 0.16 0.17 0.26 0.52
Operating Cash Flow Ratio
 0.61 0.56 0.22 0.59 0.82
Short-Term Operating Cash Flow Coverage
 19.89 0.00 0.00 0.00 0.00
Net Current Asset Value
£ -64.20M£ -52.20M£ -45.30M£ -21.40M£ -2.40M
Leverage Ratios
Debt-to-Assets Ratio
 0.24 0.26 0.19 0.09 0.02
Debt-to-Equity Ratio
 0.44 0.46 0.31 0.12 0.02
Debt-to-Capital Ratio
 0.31 0.32 0.24 0.11 0.02
Long-Term Debt-to-Capital Ratio
 0.29 0.31 0.23 0.09 0.00
Financial Leverage Ratio
 1.83 1.81 1.66 1.43 1.27
Debt Service Coverage Ratio
 6.00 7.30 5.96 15.63 35.75
Interest Coverage Ratio
 5.94 5.97 4.04 12.63 32.25
Debt to Market Cap
 0.22 0.22 0.11 0.04 0.00
Interest Debt Per Share
 0.47 0.50 0.33 0.13 0.03
Net Debt to EBITDA
 1.41 1.25 1.63 >-0.01 -0.64
Profitability Margins
Gross Profit Margin
22.41%21.65%23.88%26.04%24.51%
EBIT Margin
22.41%20.84%12.90%16.02%19.25%
EBITDA Margin
33.25%29.22%20.05%22.65%24.96%
Operating Profit Margin
22.41%20.84%12.39%15.56%19.40%
Pretax Profit Margin
13.40%11.41%9.83%14.79%18.65%
Net Profit Margin
9.26%7.33%7.54%10.94%14.74%
Continuous Operations Profit Margin
9.38%7.68%8.05%11.40%15.19%
Net Income Per EBT
69.09%64.29%76.62%73.96%79.03%
EBT Per EBIT
59.78%54.75%79.38%95.05%96.12%
Return on Assets (ROA)
4.01%3.31%3.49%4.82%7.90%
Return on Equity (ROE)
7.29%6.01%5.80%6.92%10.07%
Return on Capital Employed (ROCE)
11.49%11.00%6.86%8.02%12.29%
Return on Invested Capital (ROIC)
8.00%7.38%5.59%6.16%9.97%
Return on Tangible Assets
21.71%14.35%19.60%24.48%34.03%
Earnings Yield
3.89%2.92%2.10%2.70%4.58%
Efficiency Ratios
Receivables Turnover
 5.86 5.80 6.75 7.38 6.58
Payables Turnover
 2.39 3.00 41.87 27.50 29.06
Inventory Turnover
 0.00 0.00 0.00 0.00 0.00
Fixed Asset Turnover
 22.81 27.71 23.03 19.09 19.56
Asset Turnover
 0.43 0.45 0.46 0.44 0.54
Working Capital Turnover Ratio
 -48.29 -171.80 -37.29 20.28 28.91
Cash Conversion Cycle
 -90.75 -58.60 45.36 36.22 42.87
Days of Sales Outstanding
 62.24 62.89 54.07 49.49 55.44
Days of Inventory Outstanding
 0.00 0.00 0.00 0.00 0.00
Days of Payables Outstanding
 152.99 121.49 8.72 13.27 12.56
Operating Cycle
 62.24 62.89 54.07 49.49 55.44
Cash Flow Ratios
Operating Cash Flow Per Share
 0.17 0.15 0.06 0.12 0.15
Free Cash Flow Per Share
 0.17 0.14 <0.01 0.07 0.13
CapEx Per Share
 <0.01 <0.01 0.05 0.05 0.02
Free Cash Flow to Operating Cash Flow
 0.98 0.98 0.08 0.62 0.88
Dividend Paid and CapEx Coverage Ratio
 4.07 3.64 0.66 1.51 3.00
Capital Expenditure Coverage Ratio
 59.67 51.00 1.09 2.60 8.21
Operating Cash Flow Coverage Ratio
 0.39 0.31 0.19 0.99 7.09
Operating Cash Flow to Sales Ratio
 0.22 0.18 0.08 0.19 0.23
Free Cash Flow Yield
9.00%6.95%0.18%2.93%6.40%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 25.75 34.21 47.62 36.99 21.85
Price-to-Sales (P/S) Ratio
 2.38 2.51 3.59 4.05 3.22
Price-to-Book (P/B) Ratio
 1.89 2.06 2.76 2.56 2.20
Price-to-Free Cash Flow (P/FCF) Ratio
 11.11 14.38 561.69 34.10 15.63
Price-to-Operating Cash Flow Ratio
 10.93 14.10 45.30 21.01 13.72
Price-to-Earnings Growth (PEG) Ratio
 1.14 5.11 -2.87 -1.30 -0.54
Price-to-Fair Value
 1.89 2.06 2.76 2.56 2.20
Enterprise Value Multiple
 8.57 9.84 19.52 17.86 12.26
Enterprise Value
 234.02M 246.98M 306.45M 262.50M 203.51M
EV to EBITDA
 8.57 9.84 19.52 17.86 12.26
EV to Sales
 2.85 2.88 3.91 4.04 3.06
EV to Free Cash Flow
 13.30 16.47 612.89 34.09 14.85
EV to Operating Cash Flow
 13.07 16.14 49.43 21.00 13.05
Tangible Book Value Per Share
 -0.48 -0.39 -0.36 -0.15 0.03
Shareholders’ Equity Per Share
 1.00 1.01 0.98 0.98 0.94
Tax and Other Ratios
Effective Tax Rate
 0.30 0.33 0.18 0.23 0.19
Revenue Per Share
 0.79 0.82 0.75 0.62 0.64
Net Income Per Share
 0.07 0.06 0.06 0.07 0.09
Tax Burden
 0.69 0.64 0.77 0.74 0.79
Interest Burden
 0.60 0.55 0.76 0.92 0.97
Research & Development to Revenue
 0.00 <0.01 <0.01 0.03 <0.01
SG&A to Revenue
 0.00 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 0.00 <0.01 0.01 0.02 0.02
Income Quality
 2.42 2.43 0.98 1.76 1.54
Currency in GBP