Fintel PLC (FNTL) AI Stock Analysis

• Market Cap: £227.14M
• Dividend Yield: 1.67%
• Average Volume (3M): 205.32K
• Price to Earnings (P/E): 36.6
• Beta (1Y): 0.64
• Revenue Growth: 23.37%
• EPS Growth: 4.75%
• Country: UK
• Employees: 624
• Sector: Industrials
• Sector Strength: 72
• Industry: Consulting Services
• EPS (TTM): 0.06
• Shares Outstanding: 104,193,280
• 10 Day Avg. Volume: 91,079
• 30 Day Avg. Volume: 205,316
• PEG Ratio: -2.86
• Price to Book (P/B): 2.76
• Price to Sales (P/S): 3.59
• P/FCF Ratio: 561.69
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: Hold
• Number of Analyst Covering: 0

• Rating: 66 Neutral
• Price Target: 248.00p ▲(10.22% Upside)

Fintel PLC's stock score is primarily influenced by its financial performance, which shows strong revenue growth but declining profitability and cash flow. Technical analysis indicates a neutral trend, while high valuation metrics suggest the stock may be overvalued. The absence of earnings call data and corporate events limits further insights.

Fintel PLC Business Overview & Revenue Model

Company Description

Fintel Plc provides intermediary services and distribution channels to the retail financial services sector in the United Kingdom. It operates through three segments: Intermediary Services, Distribution Channels, and Fintech & Research. The Intermediary Services segment provides compliance and regulation services to individual financial intermediary member firms, including directly authorized IFAs, directly authorized mortgage advisers, workplace consultants, and directly authorized wealth managers. The Distribution Channels segment offers marketing and promotion, product paneling, and co-manufacturing services to financial institutions, as well as undertakes survey paneling and surveying works for mortgage lenders. The Fintech & Research segment operates a Fintech platform for approximately 8,000 users, across 3,300 firms, and provides independent ratings of 21,000 financial products and funds, as well as licensed by 250 brands. It also offers market insights and analysis, product design and compliance, and targeted distribution services to product providers; product research and comparison, financial planning and advice technology, and centralized data and workflow services to intermediaries; and product education, comparison, and rating services to consumers. The company was formerly known as The SimplyBiz Group plc and changed its name to Fintel Plc in March 2021. Fintel Plc was founded in 2002 and is based in Huddersfield, the United Kingdom.

How the Company Makes Money

Fintel PLC generates revenue through multiple streams, primarily by offering subscription-based services and data analytics to financial institutions and advisers. The company provides digital marketing solutions that help financial advisers acquire new clients, charging fees for leads generated. Additionally, Fintel monetizes its comprehensive data sets and analytics tools through licensing agreements and subscriptions, allowing clients access to valuable insights for investment decisions. Significant partnerships with financial platforms and regulatory bodies further bolster Fintel's revenue, as they often collaborate to provide integrated solutions, enhancing market reach and driving sales.

Fintel PLC Financial Statement Overview

Summary

Fintel PLC shows a solid growth trajectory in revenue and stable equity positioning, although declining profitability and cash flow metrics signal potential risks. The increased leverage requires careful management to sustain financial health.

Income Statement

Fintel PLC has demonstrated consistent revenue growth with a 20.65% increase from 2023 to 2024, supported by improving gross profit margins. However, the net profit margin declined due to lower net income, indicating potential cost management issues.

Balance Sheet

The company maintains a strong equity ratio of 60.14% and a manageable debt-to-equity ratio of 0.31. However, the reduction in total equity and increased debt levels over time suggest potential concerns about financial leverage.

Cash Flow

While the operating cash flow remains positive, the free cash flow has decreased significantly, reflecting a 93.51% decline from 2023 to 2024. The company's ability to generate cash relative to net income has weakened, impacting overall liquidity.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	85.00M	78.30M	64.90M	66.50M	63.90M	61.01M
Gross Profit	18.80M	18.70M	16.90M	16.30M	14.80M	12.85M
EBITDA	18.50M	15.70M	14.70M	16.60M	17.20M	15.69M
Net Income	6.20M	5.90M	7.10M	9.80M	15.40M	8.10M
Balance Sheet
Total Assets	182.10M	169.10M	147.20M	124.00M	123.30M	132.60M
Cash, Cash Equivalents and Short-Term Investments	8.40M	6.30M	12.70M	12.80M	9.40M	10.28M
Total Debt	40.50M	31.90M	12.60M	2.20M	10.40M	34.79M
Total Liabilities	79.80M	67.10M	44.30M	26.20M	34.80M	57.85M
Stockholders Equity	101.90M	101.70M	102.60M	97.30M	88.20M	74.58M
Cash Flow
Free Cash Flow	8.80M	500.00K	7.70M	13.70M	15.30M	13.09M
Operating Cash Flow	9.00M	6.20M	12.50M	15.60M	17.10M	16.69M
Investing Cash Flow	-30.10M	-25.70M	-18.80M	-1.90M	9.30M	-3.55M
Financing Cash Flow	23.30M	13.10M	6.20M	-10.30M	-27.30M	-13.53M

Fintel PLC Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 225.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Negative
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:FNTL, the sentiment is Neutral. The current price of 225 is below the 20-day moving average (MA) of 226.55, below the 50-day MA of 227.13, and below the 200-day MA of 245.65, indicating a bearish trend. The MACD of -3.22 indicates Positive momentum. The RSI at 49.91 is Neutral, neither overbought nor oversold. The STOCH value of 46.32 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:FNTL.

Fintel PLC Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ELIX	―	£425.88M	22.58	15.29%	2.01%	32.67%	-1.61%
SAG	―	£245.02M	8.06	32.09%	1.44%	2.90%	419.40%
FNTL	―	£227.14M	36.64	6.18%	1.67%	23.37%	4.75%
Sector *	―	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
RCDO	―	―	―	―	―	-8.12%	-794.85%
GTLY	―	£155.18M	111.76	1.85%	8.33%	4.06%	-86.89%
MANO	―	£38.33M	42.89	2.18%	―	21.88%	-4.23%

Fintel PLC Corporate Events

Fintel PLC Corrects Interim Dividend Record Date

Fintel PLC has announced a correction to the record date for its interim dividend, initially noted in its half-year results announcement. The corrected date ensures that the interim dividend of 1.3p is payable to shareholders on the register as of 26 September 2025, instead of the previously stated 2024 date. This correction does not affect the ex-dividend date and payment date, maintaining the company’s commitment to its shareholders.

The most recent analyst rating on (GB:FNTL) stock is a Hold with a £241.00 price target. To see the full list of analyst forecasts on Fintel PLC stock, see the GB:FNTL Stock Forecast page.

Fintel PLC Reports Strong H1 2025 Results and Strategic Transformation

Fintel PLC reported strong financial results for the first half of 2025, with significant revenue and EBITDA growth driven by strategic acquisitions and a transformation towards a software and data-led business model. The company successfully integrated nine acquisitions into two divisions, Software & Data and Services, which has streamlined operations and positioned Fintel to capitalize on substantial market opportunities. The new structure supports innovation, growth, and recurring revenue generation, with leadership appointments enhancing operational focus and agility. Fintel’s improved financial flexibility and disciplined investment strategy are expected to drive long-term value creation for stakeholders.

The most recent analyst rating on (GB:FNTL) stock is a Hold with a £241.00 price target. To see the full list of analyst forecasts on Fintel PLC stock, see the GB:FNTL Stock Forecast page.

Fintel PLC Reports Strong H1 2025 Performance and Completes Refinancing

Fintel PLC reported a strong performance for the first half of 2025, with an 18.6% increase in total revenue to £42.4m, driven by acquisitions and new product launches. The company successfully completed a planned refinancing, enhancing its revolving credit facility to £120m, providing financial flexibility to invest in growth. Strategic initiatives included scaling intermediary propositions and launching new software, positioning Fintel to capitalize on opportunities in the fragmented financial services market.

The most recent analyst rating on (GB:FNTL) stock is a Buy with a £350.00 price target. To see the full list of analyst forecasts on Fintel PLC stock, see the GB:FNTL Stock Forecast page.