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Fintel PLC
(LSE:FNTL)
Select Model
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Rating:66Neutral
Price Target:
211.00 p
▲(15.30% Upside)
Action:Reiterated
Date:08/06/26
The score is driven primarily by solid financial performance, highlighted by improved operating results and a major rebound in free cash flow quality in 2025. Technicals are supportive but not decisive, as the stock is still below its 200-day moving average. Valuation is the main constraint due to a high P/E and only a modest dividend yield.
Positive Factors
Revenue and Operating Profit Growth
Growth in revenue alongside improved operating profitability indicates continued demand for Fintel’s adviser-support, compliance, research and technology services. This combination can support durable earnings expansion if the group maintains customer retention and platform relevance.
Negative Factors
Higher Leverage
The material increase in debt reduces financial flexibility and raises sensitivity to weaker profitability or cash conversion. Higher leverage could constrain investment capacity and increase the downside impact of operational volatility over the next several periods.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue and Operating Profit Growth
Growth in revenue alongside improved operating profitability indicates continued demand for Fintel’s adviser-support, compliance, research and technology services. This combination can support durable earnings expansion if the group maintains customer retention and platform relevance.
Read all positive factors
Fintel PLC (FNTL) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£196.40M
Dividend Yield2.04%
Average Volume (3M)144.19K
Price to Earnings (P/E)31.2
Beta (1Y)0.99
Revenue Growth9.71%
EPS Growth6.70%
CountryUK
Employees500
SectorIndustrials
Sector Strength72
IndustryConsulting Services
Share Statistics
EPS (TTM)0.06
Shares Outstanding104,193,280
10 Day Avg. Volume82,610
30 Day Avg. Volume144,190
Financial Highlights & Ratios
PEG Ratio5.11
Price to Book (P/B)2.06
Price to Sales (P/S)2.51
P/FCF Ratio14.38
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.15
Revenue Forecast (FY)£84.10M
Fintel PLC Business Overview & Revenue Model
Company Description
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 202...
How the Company Makes Money
Fintel makes money by selling services, subscriptions, and technology that support financial-advice distribution and adviser operations. Key revenue streams include: (1) Recurring fees from adviser and firm memberships or subscriptions that provid...
Fintel PLC Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
67
Positive
Cash Flow
78
Positive
| Breakdown | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 85.90M | 78.30M | 64.90M | 66.50M | 63.90M |
| Gross Profit | 18.60M | 18.70M | 16.90M | 16.30M | 14.80M |
| EBITDA | 25.10M | 15.70M | 14.70M | 16.60M | 17.20M |
| Net Income | 6.30M | 5.90M | 7.10M | 9.80M | 15.40M |
Balance Sheet | |||||
| Total Assets | 190.10M | 169.10M | 147.20M | 124.00M | 123.30M |
| Cash, Cash Equivalents and Short-Term Investments | 17.30M | 6.30M | 12.70M | 12.80M | 9.40M |
| Total Debt | 48.60M | 31.90M | 12.60M | 2.20M | 10.40M |
| Total Liabilities | 84.30M | 67.10M | 44.30M | 26.20M | 34.80M |
| Stockholders Equity | 104.80M | 101.70M | 102.60M | 97.30M | 88.20M |
Cash Flow | |||||
| Free Cash Flow | 15.00M | 500.00K | 7.70M | 13.70M | 15.30M |
| Operating Cash Flow | 15.30M | 6.20M | 12.50M | 15.60M | 17.10M |
| Investing Cash Flow | -17.30M | -25.70M | -18.80M | -1.90M | 9.30M |
| Financing Cash Flow | 13.00M | 13.10M | 6.20M | -10.30M | -27.30M |
Fintel PLC Technical Analysis
Negative
183.00
Price Trends
188.86
Negative
182.68
Positive
194.85
Negative
Market Momentum
-0.76
Negative
46.86
Neutral
73.61
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:FNTL, the sentiment is Negative. The current price of 183 is below the 20-day moving average (MA) of 188.00, below the 50-day MA of 188.86, and below the 200-day MA of 194.85, indicating a bearish trend. The MACD of -0.76 indicates Negative momentum. The RSI at 46.86 is Neutral, neither overbought nor oversold. The STOCH value of 73.61 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:FNTL.
Fintel PLC Peers Comparison
UnderperformOutperform
Sector (63)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
79 Outperform | £24.88B | 23.05 | 27.49% | 1.85% | 6.85% | 22.75% | |
77 Outperform | £327.01M | 26.70 | 6.46% | 3.40% | 2.11% | 818.58% | |
69 Neutral | £518.78M | 16.76 | 9.94% | 2.08% | 12.82% | 16.40% | |
66 Neutral | £196.40M | 31.21 | 6.10% | 2.04% | 9.71% | 6.70% | |
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% | |
48 Neutral | £147.60M | 30.88 | 4.58% | 3.33% | 28.41% | -36.92% |
* Industrials Sector Average
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Fintel PLC Corporate Events
Business Operations and StrategyFinancial DisclosuresM&A Transactions
Fintel lifts earnings and deepens data focus with H1 trading gains
Positive
Jul 30, 2026
Fintel plc reported a strong first-half performance, driven by organic growth in its core Software, Data and Distribution activities and expanding recurring revenues. Organic adjusted EBITDA rose 11.2% to £11.8m and organic revenue increased ...
Business Operations and StrategyStock BuybackDividendsShareholder Meetings
Fintel shareholders back all resolutions at 2026 AGM
Positive
May 19, 2026
Fintel plc reported that all resolutions at its 2026 Annual General Meeting were approved by poll, including the receipt of the annual report and accounts, a final dividend of 2.50 pence per share and the re-election or election of all proposed di...
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.