YOLFTbeta
Fintel PLC

Fintel PLC

FNTL · LSE · Industrials / Consulting Services

183.50GBX+4.50 (+2.51%)

Price History

Full chart

Market Stats

Previous Close179.00
Open180.00
Day Range180.00 – 184.50
52-Week Range154.71 – 269.27
Volume261.13K
Market Cap192.76M
P/E (TTM)23.13
Forward P/E10.94
EPS0.08
Dividend Yield2.08%
Beta0.60
50-Day Avg187.73
200-Day Avg193.88

About

Fintel Plc engages in the provision of fintech and support services to the retail financial services sector in the United Kingdom. It operates through two segments, Software & Data and Services. The Software & Data segment provides intermediary software, financial product and market data, and product research and ratings; as well as marketing, sponsorships, and consultancy to financial institutions. The Services segment provides regulatory and business support and integrated financial technology; manage distribution and market research and insight; and residential surveys and professional valuation services. It also provides mortgage club facilities; asset and group management vehicles; trade association; business services training; bookkeeping activities; financial services and research; ready-made software development; independent adviser planning and research software; due diligence; conference organizers; compliance and investment planning tool provider; independent investment research; legal, property survey agency, management, financial product comparison software; and activities auxiliary to finance intermediation. The company was formerly known as The SimplyBiz Group plc and changed its name to Fintel Plc in March 2021. The company was founded in 2002 and is based in Huddersfield, the United Kingdom.

Company Details

  • SectorIndustrials
  • IndustryConsulting Services
  • CEOMr. Matthew Lloyd Timmins
  • Employees500
  • HeadquartersFintel House, Huddersfield, United Kingdom, HD1 6NA, UK
  • Websitehttps://www.wearefintel.com

Leadership

  • Mr. Matthew Lloyd TimminsCEO & Executive Director · b. 1978
  • Mr. Kenneth Ernest Davy O.B.E.Founder & Non-Executive Director · b. 1941
  • Mr. David ThompsonCFO & Executive Director · b. 1976
  • Mr. Gary KershawGroup Compliance Director · b. 1971
  • Mr. Russell Adrian NaglisGeneral Counsel & Corporate Secretary
  • Ms. Emily BlainPeople & Operations Director
  • Mr. John MillikenChief Executive Officer of Software & Data
  • Mr. Alex WhitsonChief Executive Officer of Fintel Services
  • Ms. Amber LippiettDirector of Brand

Financials

Income Statement

Currency: GBP2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue38.48M40.81M44.07M50.69M62.77M61.01M63.90M66.50M64.90M78.30M85.90M
Growth (%)-+6.07%+7.97%+15.02%+23.85%-2.82%+4.75%+4.07%-2.41%+20.65%+9.71%
Cost of Revenue29.96M31.79M34.36M39.94M48.29M48.16M50.60M52.30M49.50M62.80M67.30M
Gross Profit8.52M9.02M9.71M10.75M14.48M12.85M14.80M16.30M16.90M18.70M18.60M
Gross Margin22.14%22.10%22.03%21.20%23.07%21.06%23.16%24.51%26.04%23.88%21.65%
Operating Expense7.05M765.00K903.00K3.99M2.48M1.46M-5.80M3.40M6.80M9.00M700.00K
Operating Income1.47M8.26M8.80M6.76M12.00M11.38M20.60M12.90M10.10M9.70M17.90M
Operating Margin3.82%20.23%19.98%13.33%19.12%18.66%32.24%19.40%15.56%12.39%20.84%
EBITDA7.73M8.54M9.11M5.71M15.33M15.69M17.20M16.60M14.70M15.70M25.10M
EBITDA Margin20.09%20.91%20.67%11.27%24.42%25.72%26.92%24.96%22.65%20.05%29.22%
Net Income-673.00K4.08M4.79M2.85M8.55M8.10M15.40M9.80M7.10M5.90M6.30M
Net Income Margin-1.75%9.99%10.86%5.62%13.62%13.28%24.10%14.74%10.94%7.54%7.33%
R&D967.00K699.00K561.00K161.00K472.00K689.00K500.00K600.00K2.00M600.00K700.00K
R&D as % of Total Revenue2.51%1.71%1.27%0.32%0.75%1.13%0.78%0.90%3.08%0.77%0.81%
Interest Expense2.39M3.24M3.23M967.00K1.28M1.30M700.00K400.00K800.00K2.40M3.00M
Interest Expense % of Total Revenue6.22%7.94%7.33%1.91%2.04%2.13%1.10%0.60%1.23%3.07%3.49%

Balance Sheet

Currency: GBP2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets32.23M34.45M37.66M46.18M133.21M132.60M123.30M124.00M147.20M169.10M190.10M
Total Liabilities44.35M43.73M43.51M19.61M63.71M57.85M34.80M26.20M44.30M67.10M84.30M
Total Equity-12.13M-9.28M-5.85M26.57M69.42M74.58M88.20M97.30M102.60M101.70M104.80M
Cash5.00M7.10M11.00M13.29M10.67M10.28M9.40M12.80M12.70M6.30M17.30M
Total Debt33.07M33.37M33.66M7.43M40.40M35.39M10.40M2.20M12.60M31.90M48.60M
Net Debt28.07M26.27M22.67M-5.86M29.73M25.11M1.00M-10.60M-100.00K25.60M31.30M

Cash Flow

Currency: GBP2015-12-312016-12-312017-12-312018-12-312019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow7.98M7.31M10.74M6.03M10.39M16.69M17.10M15.60M12.50M6.20M15.30M
Investing Cash Flow-542.00K-1.06M-881.00K-687.00K-41.24M-3.55M9.30M-1.90M-18.80M-25.70M-17.30M
Financing Cash Flow-12.11M-4.16M-5.96M-3.05M27.69M-13.53M-27.30M-10.30M6.20M13.10M13.00M
Capital Expenditure710.00K1.11M946.00K766.00K2.56M3.60M1.80M1.90M4.80M5.70M300.00K
Free Cash Flow7.27M6.20M9.80M5.27M7.83M13.09M15.30M13.70M7.70M500.00K15.00M
Dividends Paid17.00K1.23M805.00K750.00K2.93M2.76M3.80M3.30M3.50M3.70M3.90M
FCF to OCF91.10%84.81%91.19%87.30%75.34%78.41%89.47%87.82%61.60%8.06%98.04%
Dividend Paid to FCF0.23%19.77%8.22%14.24%37.48%21.08%24.84%24.09%45.45%740.00%26.00%

Earnings

Report DateApr 4, 2018Sep 11, 2018Mar 5, 2019Sep 10, 2019Mar 10, 2020Sep 15, 2020Mar 23, 2021Sep 21, 2021Mar 22, 2022Sep 20, 2022Mar 21, 2023Mar 28, 2025Sep 16, 2025Mar 17, 2026
EPS Estimate0.000.000.000.000.000.000.00----0.000.000.00
EPS Actual0.04-0.020.070.020.070.030.050.030.120.050.050.040.020.00
Surprise--------------
TimingPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketPre-marketAfter-hoursPre-marketPre-marketPre-market---

Key Statistics & Ratios

Market Cap192.76M
Enterprise Value234.28M
Trailing P/E23.13
Forward P/E10.94
Price / Sales2.20
Price / Book1.89
EPS0.08
Book Value0.995
Revenue (TTM)87.80M
Gross Profit (TTM)23.70M
EBITDA24.20M
Profit Margin5.81%
Operating Margin24.35%
Return on Equity8.04%
Return on Assets6.56%
Shares Outstanding104.19M
Shares Float46.83M
Beta0.60
Dividend Yield2.08%
Dividend Rate0.04
Payout Ratio49.15%

Dividends

20262×
0.01Sep 24, 20260.03May 28, 2026
20252×
0.01Sep 25, 20250.02May 22, 2025
20242×
0.01Sep 26, 20240.02May 23, 2024
20234×
0.01Sep 28, 20230.02May 25, 20231.68May 22, 20230.02May 18, 2023
20222×
0.01Sep 29, 20220.02Apr 28, 2022
20212×
0.01Sep 30, 20210.03Apr 8, 2021
20201×
0.03Mar 19, 2020
20192×
0.01Sep 19, 20190.02Mar 14, 2019
20181×
0.01Sep 20, 2018