Fintel PLC (FNTL) AI Stock Analysis

Fintel PLC

(LSE:FNTL)

Select Model

Rating:64.9Neutral

Price Target:GBX 175.00▲(7.03% Upside)

Action:reiterated

Date:08/18/26

The score reflects a fundamentally sound but not flawless financial profile, with growing revenues, solid operating profitability, and a stronger equity base offset by thinner net margins, higher leverage, and less consistent cash flows. Technicals are mixed, showing a consolidating price with recent softness rather than a clear uptrend, which tempers the rating further. A relatively high P/E and modest dividend yield suggest the shares trade on a growth premium with limited valuation buffer, keeping the overall score in the mid-60s rather than higher.

Positive Factors

Revenue GrowthThe increase in revenue indicates continued demand for Fintel’s products, services, and technology supporting financial advisers and intermediaries. Sustained top-line expansion can broaden the platform’s commercial reach and provide a stronger base for operating leverage and future investment.

Negative Factors

Higher LeverageThe increase in debt adds balance-sheet risk and reduces financial flexibility compared with the prior year. Higher leverage can make it harder to absorb weaker profitability, fund expansion internally, or preserve shareholder returns if operating performance does not continue improving.

Fintel PLC (FNTL) vs. iShares MSCI United Kingdom ETF (EWC)

Market Cap: GBP 169.31M
Dividend Yield: 2.39%
Average Volume (3M): 146.42K
Price to Earnings (P/E): 22.1
Beta (1Y): 0.91
Revenue Growth: -3.41%
EPS Growth: 22.52%
Country: UK
Employees: 500
Sector: Industrials
Sector Strength: 63
Industry: Consulting Services

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 2021,...

Fintel PLC Financial Statement Overview

Summary

Steady revenue growth and strong operating margins support a solid profile, but declining net margins, higher leverage, and more volatile cash flows reduce earnings quality and balance-sheet flexibility.

Income Statement

72Positive

Balance Sheet

64Positive

Cash Flow

68Positive

Financial statement breakdown
Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	82.10M	85.90M	78.30M	64.90M	66.50M	63.90M
Gross Profit	18.40M	18.60M	18.70M	16.90M	16.30M	14.80M
EBITDA	27.30M	25.20M	15.70M	14.70M	16.60M	17.20M
Net Income	7.60M	6.30M	5.90M	7.10M	9.80M	15.40M
Balance Sheet
Total Assets	189.60M	190.10M	169.10M	147.20M	124.00M	123.30M
Cash, Cash Equivalents and Short-Term Investments	7.30M	17.30M	6.30M	12.70M	12.80M	9.40M
Total Debt	45.70M	48.60M	31.90M	12.60M	2.20M	10.40M
Total Liabilities	85.50M	84.30M	67.10M	44.30M	26.20M	34.80M
Stockholders Equity	103.70M	104.80M	101.70M	102.60M	97.30M	88.20M
Cash Flow
Free Cash Flow	17.60M	15.00M	500.00K	7.70M	13.70M	15.30M
Operating Cash Flow	17.90M	15.30M	6.20M	12.50M	15.60M	17.10M
Investing Cash Flow	-19.20M	-17.30M	-25.70M	-18.80M	-1.90M	9.30M
Financing Cash Flow	200.00K	13.00M	13.10M	6.20M	-10.30M	-27.30M

Fintel PLC Technical Analysis

Technical Analysis SentimentNegative

Last Price163.50

Price Trends

50DMA181.18Negative

100DMA182.68Negative

200DMA188.83Negative

Market Momentum

MACD-6.24Positive

RSI20.08Positive

STOCH12.79Positive

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 163.50 is below the 20-day moving average (MA) of 177.87, below the 50-day MA of 181.18, and below the 200-day MA of 188.83, indicating a bearish trend. The MACD of -6.24 indicates Positive momentum. The RSI at 20.08 is Positive, neither overbought nor oversold. The STOCH value of 12.79 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:FNTL.

Fintel PLC Peers Comparison

Overall Rating

UnderperformOutperform

Sector (63)

Financial Indicators

GB:FNTL against its peers
Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
GB:EXPN	74Outperform	GBP 26.17B	24.56	27.49%	1.71%	6.85%	22.75%
GB:YOU	70Outperform	GBP 318.17M	56.51	3.05%	3.36%	1.98%	-57.39%
GB:FNTL	65Neutral	GBP 169.31M	22.09	7.29%	2.39%	-3.41%	22.52%
Sector *	63Neutral	$10.79B	15.43	7.44%	2.01%	2.89%	-14.66%
GB:DATA	61Neutral	GBP 421.66M	13.51	12.09%	0.46%	8.63%	139.90%
GB:KGH	58Neutral	GBP 141.59M	29.53	4.58%	3.42%	28.41%	-36.92%

* Industrials Sector Average

Performance Comparison

GB:FNTL and its peers over the selected period
Ticker	Company Name	Price	Change	% Change
GB:FNTL	Fintel PLC	161.00	-57.36	-26.27%
GB:EXPN	Experian plc (EXPGF)	3023.00	-479.98	-13.70%
GB:DATA	GlobalData plc	65.40	-37.71	-36.57%
GB:YOU	Yougov plc	275.20	30.00	12.23%
GB:KGH	Knights Group Holdings Plc	164.50	-2.88	-1.72%

Fintel PLC Corporate Events

Business Operations and StrategyFinancial DisclosuresM&A TransactionsProduct-Related Announcements

Fintel boosts earnings as data and AI strategy reshapes U.K. retail finance platform

Positive

Sep 15, 2026

Fintel plc reported a robust first half for 2026, with revenue from continuing operations up 5.3% to £38.6m and adjusted EBITDA climbing 16.6% to £12.4m, supported by organic EBITDA growth of 11.2%. The group’s SaaS and subscription r...

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.

Date of analysis: Aug 06, 2026

Fintel PLC AI Stock Analysis