IntegraFin Holdings PLC (IHP) AI Stock Analysis

• Market Cap: £1.10B
• Dividend Yield: 3.17%
• Average Volume (3M): 290.61K
• Price to Earnings (P/E): 22.4
• Beta (1Y): 1.47
• Revenue Growth: -4.17%
• EPS Growth: -6.46%
• Country: UK
• Employees: 666
• Sector: Financial
• Sector Strength: 70
• Industry: Asset Management
• EPS (TTM): 0.09
• Shares Outstanding: 331,322,020
• 10 Day Avg. Volume: 311,597
• 30 Day Avg. Volume: 290,607
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• 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: £417.50
• Price Target Upside: 26.13% Upside
• Rating Consensus: Strong Buy
• Number of Analyst Covering: 4

• Rating: 64 Neutral
• Price Target: 354.00p ▲(6.95% Upside)

IntegraFin Holdings PLC demonstrates strong financial performance with robust profitability and cash flow metrics, which significantly contribute to its overall score. However, the technical analysis indicates bearish momentum, which negatively impacts the stock's attractiveness. The valuation is moderate, with a fair P/E ratio and a reasonable dividend yield. The absence of recent earnings call data and corporate events means these factors do not influence the score.

IntegraFin Holdings PLC Business Overview & Revenue Model

Company Description

IntegraFin Holdings plc, together with its subsidiaries, provides an investment platform for UK financial advisers and their clients. The company operates Transact platform that delivers an infrastructure, which enables advisers to implement financial plans, as well as provides real-time day-to-day and technical support services, as well as enables advisers to simplify management of the complex investment needs of clients. It also provides personal service to advisers and their clients; offers access to approximately 8,000 funds and assets listed on stock markets; and provides access to report and analysis tools, investment portfolio management, lifetime cash flow modelling, and other services. In addition, the company offers software development and maintenance; life insurance and assurance; consultancy; financial planning software; and investment administration services. IntegraFin Holdings plc was founded in 1999 and is headquartered in London, the United Kingdom.

How the Company Makes Money

IntegraFin Holdings generates revenue primarily through platform fees charged to financial advisers and their clients for the use of its investment platform. These fees can include annual management fees, transaction fees, and other service-related charges. Additionally, the company may earn income from the administration of assets held on its platform, as well as from any ancillary services offered to advisers and clients. IntegraFin's revenue model is supported by a growing number of adviser partnerships, which enhance its market presence and customer base. The company's financial performance is also influenced by factors such as asset inflows, market conditions, and the overall growth of the investment platform industry.

IntegraFin Holdings PLC Financial Statement Overview

Summary

IntegraFin Holdings PLC exhibits strong financial health with consistent revenue growth and high profitability margins. The company maintains a sound balance sheet with low leverage and impressive returns on equity. Cash flow metrics are exceptionally strong, highlighting effective cash management and conversion. Strong revenue growth and high margins are tempered by potential risks associated with equity growth relative to liabilities.

Income Statement

IntegraFin Holdings PLC has shown solid revenue growth with a Revenue Growth Rate of approximately 7.42% in the latest year. The company maintains a strong Gross Profit Margin of about 97.93%. Net Profit Margin is robust at 35.96%, indicating effective cost management. The EBIT and EBITDA margins are strong, at 39.34% and 75.99%, respectively, reflecting operational efficiency. However, historical volatility in EBIT and EBITDA may pose some operational risks.

Balance Sheet

The company's balance sheet is stable with a low Debt-to-Equity Ratio of 0.045, indicating conservative leverage. The Equity Ratio is moderate at 0.71%, suggesting a balanced asset-financing strategy. The Return on Equity is impressive at 25.01%, reflecting strong profitability relative to equity. However, the company's equity ratio suggests potential risk if liabilities grow faster than assets.

Cash Flow

IntegraFin's cash flow performance is impressive, with a significant Free Cash Flow Growth Rate of 4150%. The Operating Cash Flow to Net Income Ratio of 5.32 and Free Cash Flow to Net Income Ratio of 5.30 indicate effective cash conversion and strong liquidity. The substantial increase in free cash flow signals robust cash management and operational success.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	155.20M	144.90M	134.90M	95.10M	155.19M	104.25M
Gross Profit	136.70M	141.90M	131.00M	90.00M	150.62M	100.83M
EBITDA	-3.18B	110.10M	67.50M	-130.50M	-28.82M	-72.84M
Net Income	52.10M	52.10M	49.90M	44.00M	51.10M	45.48M
Balance Sheet
Total Assets	29.16B	29.16B	24.71B	22.43B	23.29B	18.37B
Cash, Cash Equivalents and Short-Term Investments	200.70M	200.70M	200.30M	186.10M	1.45B	1.54B
Total Debt	9.40M	9.40M	1.10M	2.80M	5.04M	6.09M
Total Liabilities	28.95B	28.95B	24.52B	22.26B	23.12B	18.23B
Stockholders Equity	208.30M	208.30M	189.90M	173.20M	163.27M	140.92M
Cash Flow
Free Cash Flow	281.70M	276.30M	6.50M	235.90M	-56.90M	227.89M
Operating Cash Flow	282.60M	277.20M	7.20M	236.30M	-56.24M	228.75M
Investing Cash Flow	24.00M	29.40M	-14.40M	-2.50M	-9.35M	-2.32M
Financing Cash Flow	-36.80M	-36.80M	-37.10M	-36.60M	-31.73M	-29.23M

IntegraFin Holdings PLC Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 331.00
• 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:IHP, the sentiment is Negative. The current price of 331 is below the 20-day moving average (MA) of 339.47, below the 50-day MA of 350.57, and below the 200-day MA of 333.05, indicating a bearish trend. The MACD of -4.36 indicates Positive momentum. The RSI at 38.47 is Neutral, neither overbought nor oversold. The STOCH value of 32.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:IHP.

IntegraFin Holdings PLC Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
ASHM	80 Outperform	1.12B	13.89	0.00%	9.99%	-28.89%	-12.14%
RAT	77 Outperform	1.91B	29.73	0.00%	5.19%	14.05%	-3.07%
EMG	76 Outperform	1.97B	14.13	17.78%	7.36%	-10.85%	-42.02%
AJB	74 Outperform	2.06B	23.45	41.32%	2.50%	18.52%	9.87%
IHP	64 Neutral	£1.10B	22.40	24.70%	3.17%	-4.17%	-6.46%
QLT	52 Neutral	2.23B	-1,832.22	-2.39%	3.76%	-28.04%	-102.43%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%

IntegraFin Holdings PLC Corporate Events

IntegraFin Holdings Relocates to Enhance Operations and Sustainability

IntegraFin Holdings PLC announced the relocation of its registered office to 2 Gresham Street, London, effective 8 September 2025. This move is part of the company’s strategy to enhance its working environment, improve sustainability efforts, and support its strategic initiatives of platform growth and cost efficiencies. The new office is expected to provide state-of-the-art infrastructure, reinforcing the company’s commitment to the UK advice market and the City of London.

The most recent analyst rating on (GB:IHP) stock is a Hold with a £355.00 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

IntegraFin Allocates Shares to Directors Under Incentive Plan

IntegraFin Holdings PLC announced the allocation of ordinary shares to its directors under the company’s Share Incentive Plan. This allocation, involving key figures such as the CEO, CFO, and Group Counsel, reflects the company’s ongoing commitment to align management interests with shareholder value. The shares were acquired at a market price of £3.465 each, indicating a strategic move to incentivize leadership and potentially enhance company performance.

The most recent analyst rating on (GB:IHP) stock is a Buy with a £416.00 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

IntegraFin Allocates Shares to Directors Under Incentive Plan

IntegraFin Holdings PLC announced the allocation of ordinary shares to its directors under the company’s Share Incentive Plan. This move, involving the purchase and allocation of shares at £3.725 each, reflects the company’s ongoing commitment to aligning management interests with shareholder value, potentially strengthening its market position and stakeholder confidence.

The most recent analyst rating on (GB:IHP) stock is a Hold with a £3.30 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

IntegraFin Holdings Announces Share Purchase by CFO Associate

IntegraFin Holdings plc has announced a share transaction involving Elisabeth Grey-Davies, who is closely associated with Euan Marshall, the company’s CFO. Grey-Davies purchased 4,000 ordinary shares at a price of £3.68019 each on July 17, 2025, at the London Stock Exchange. This transaction is disclosed in compliance with the EU Market Abuse Regulation and highlights the ongoing investment activities within the company’s management circle.

The most recent analyst rating on (GB:IHP) stock is a Buy with a £4.25 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.

IntegraFin Holdings PLC Reports Strong Q3 Performance and Initiates Cost Review

IntegraFin Holdings PLC reported robust Q3 performance with net inflows of £1.2bn, marking an 84% increase from the previous year and the fourth consecutive quarter of growth. The company is undergoing a Group-wide cost review to enhance efficiency and productivity, aiming to sustain future earnings growth while maintaining its strong market position.

The most recent analyst rating on (GB:IHP) stock is a Hold with a £355.00 price target. To see the full list of analyst forecasts on IntegraFin Holdings PLC stock, see the GB:IHP Stock Forecast page.