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Fintel PLC

Fintel PLC

LLSE:FNTL
173.00
GBX
-2.00
(-1.14%)
18.86BMarket Cap
Mar 23Next Earn
Fintel PLC
LSE:FNTL
(London Stock Exchange)

Recent

price

173.00

P/E

ratio

- -

div

yld

- -

ROIC.AI

2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
GBP
0.5
0.53
0.58
0.7
0.68
0.63
0.65
0.64
0.63
0.75
0.82
- -
Revenue per Share
-0.01
0.05
0.06
0.04
0.09
0.08
0.16
0.09
0.07
0.06
0.06
- -
Basic EPS, GAAP
0.1
0.08
0.13
0.07
0.08
0.14
0.16
0.13
0.07
0.06
0.17
- -
Free Cash Flow per Basic Share
- -
0.02
0.01
0.01
0.03
0.03
0.04
0.03
0.03
0.04
0.04
- -
Dividend per Share
-0.16
-0.12
-0.08
0.35
0.72
0.77
0.86
0.94
0.99
0.98
1.01
1
Book Value per Share
-0.38
-0.35
-0.31
0.04
-0.38
-0.32
-0.08
0.02
-0.15
-0.36
-0.4
-0.49
Tangible Book Value per Share
76
76
76
72
92
97
98
103
104
104
104
104
Basic Weighted Avg Shares
38
41
44
51
63
61
64
67
65
78
86
- -
Sales/Revenue/Turnover
3.82
20.23
19.98
13.33
19.12
18.69
20.03
20.45
15.87
23.75
25.38
- -
Operating Margin (%)
- -
- -
- -
1
3
4
4
4
4
6
7
- -
Depreciation Expense
-1
4
5
3
9
8
15
10
7
6
6
- -
Net Income, GAAP
- -
17.49
12.66
32.71
20.45
19.61
21.61
18.55
22.92
18.18
32.65
- -
Effective Tax Rate (%)
-1.75
9.99
10.86
5.62
13.62
13.28
24.1
14.74
10.94
7.54
7.33
- -
Profit Margin (%)
7
9
11
4
4
3
- -
5
2
-6
5
-8
Working Capital
33
33
34
- -
40
34
10
2
12
31
48
45
LT Debt
-12
-9
-6
27
70
75
89
98
103
102
105
104
Total Equity
- -
28.09
28.05
13.97
12.89
8.15
14.98
10.27
7.1
6.24
5.73
- -
Return on Invested Capital (%)
- -
29.98
29.31
11.32
13.18
8.24
15.11
10.48
6.88
5.98
5.57
- -
Return on Capital (%)
- -
- -
- -
- -
17.81
11.25
18.92
10.57
7.1
5.77
6.1
- -
Return on Common Equity (%)

Capital Structure

GBP

•

in mil. unless spec.
Jun'24
Dec'24
Jun'26
ST Debt
- -
1
1
LT Borrowings
16
30
43
LT Finance Leases
1
1
2
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
104
104
104
Market Capitalization
322
281
189

Working Capital

GBP

•

in mil. unless spec.
Jun'24
Dec'24
Jun'26
Total Current Assets
21
22
21
Cash, Cash Equivalents & STI
7
6
7
Accounts Receivable, Net
13
9
13
Inventories
- -
- -
- -
Total Current Liabilities
28
28
30
Payables & Accruals
- -
- -
- -
ST Debt
- -
1
1
Deferred Revenue
- -
- -
- -

Growth Rates

GBP

•

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-40.88%
7.3%
3.23%
Free Cash Flow
25.89%
29.19%
206.78%
Net Income, GAAP
-51.8%
3.22%
6.78%
Sales/Revenue/Turnover
8.68%
7.35%
9.71%
Total Cash Common Dividend
739.87%
8.31%
-4.88%

Semi-annual Revenue

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
78
2025
- -
- -
86
2026
- -
- -
- -

Semi-annual Earnings Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.06
2025
- -
- -
0.06
2026
- -
- -
- -

Semi-annual Dividends Per Share

GBP

•

in mil. unless spec.

Year

H1
H2
FY
2024
- -
- -
0.04
2025
- -
- -
0.04
2026
- -
- -
- -
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Business
Fintel Plc is a UK-based fintech and support services company primarily serving the retail financial services sector. It operates through two complementary divisions: business and regulatory support for financial professionals via the SimplyBiz brand, and financial product and market intelligence through Defaqto, offering proprietary research, ratings, and technology solutions. Its core products and services include intermediary business support services, financial product data and ratings, software-as-a-service (SaaS) platforms for market intelligence, compliance and regulatory support services, and technology-enabled intermediary distribution channels. Fintel connects product providers, intermediaries, and consumers by providing actionable market insights, data-driven tools, and expert analysis to improve financial outcomes. The company primarily operates across the United Kingdom. Founded in 1973 and headquartered in Huddersfield, England, Fintel has recently undergone significant strategic expansion through acquisitions and organic growth initiatives. In 2024 and 2025, it completed multiple acquisitions including Rayner Spencer Mills Research Limited (RSMR), Threesixty Services, ifaDASH, Owen James, and Synaptic Software, broadening its intellectual property, scale, and technology capabilities. It launched innovative products like Defaqto's Matrix 360, an advanced market intelligence platform integrating financial product ratings with predictive analytics. The company also secured a new significant distribution agreement with Mortgage Brain, enhancing its intermediary software offerings. Additionally, Fintel successfully refinanced its revolving credit facility, increasing funding capacity to £120 million to support further growth. Its business model increasingly focuses on recurring SaaS and subscription revenues, demonstrating robust financial performance and improved earnings quality. These developments position Fintel as a leading provider of integrated fintech and support services tailored to a fragmented and evolving UK retail financial services market.