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Fintel AIM:FNTL Stock Report

Last Price

UK£2.21

Market Cap

UK£230.3m

7D

-1.3%

1Y

-18.5%

Updated

11 Apr, 2025

Data

Company Financials +

Fintel Plc

AIM:FNTL Stock Report

Market Cap: UK£230.3m

FNTL Stock Overview

Engages in the provision of intermediary services and distribution channels to the retail financial services sector in the United Kingdom. More details

FNTL fundamental analysis
Snowflake Score
Valuation2/6
Future Growth4/6
Past Performance0/6
Financial Health4/6
Dividends1/6

Rewards

Trading at 47.7% below our estimate of its fair value

Earnings are forecast to grow 30.15% per year

Risk Analysis

Large one-off items impacting financial results

Profit margins (7.5%) are lower than last year (10.9%)


Community vs My Fair Value

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FNTL logo
Fintel
AN
AnalystConsensusTarget
Consensus Narrative from 2 Analysts

Fintech Acquisitions And Integration Will Unlock New Synergies

Key Takeaways Fintel's acquisition and integration strategy aims to drive efficiencies and increase revenue through a unified platform, capitalizing on scale and cross-selling opportunities. Expanding SaaS and subscription models, along with new product investments, enhances earnings stability, margin improvement, and shareholder value growth.
View narrative
UK£3.35
FV
34.0% undervalued intrinsic discount
7.46%
Revenue growth p.a.
0users have liked this narrative
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2users have followed this narrative
3 days ago author updated this narrative
View Fintel Community

Fintel Plc Competitors

Science Group

AIM:SAG

UK£185.2m

Gateley (Holdings)

AIM:GTLY

UK£169.0m

Begbies Traynor Group

AIM:BEG

UK£150.6m

Keystone Law Group

AIM:KEYS

UK£152.3m

Price History & Performance

Summary of share price highs, lows and changes for Fintel
Historical stock prices
Current Share PriceUK£2.21
52 Week HighUK£3.29
52 Week LowUK£2.12
Beta0.95
1 Month Change-17.54%
3 Month Change-13.67%
1 Year Change-18.45%
3 Year Change2.79%
5 Year Change22.78%
Change since IPO39.87%

Recent News & Updates

Fintel's (LON:FNTL) Soft Earnings Are Actually Better Than They Appear

Apr 08
Fintel's (LON:FNTL) Soft Earnings Are Actually Better Than They Appear

Fintel's (LON:FNTL) Dividend Will Be Increased To £0.0245

Apr 04
Fintel's (LON:FNTL) Dividend Will Be Increased To £0.0245

Fintel's (LON:FNTL) Dividend Will Be Increased To £0.0245

Mar 21
Fintel's (LON:FNTL) Dividend Will Be Increased To £0.0245

Recent updates

Fintel's (LON:FNTL) Soft Earnings Are Actually Better Than They Appear

Apr 08
Fintel's (LON:FNTL) Soft Earnings Are Actually Better Than They Appear

Fintel's (LON:FNTL) Dividend Will Be Increased To £0.0245

Apr 04
Fintel's (LON:FNTL) Dividend Will Be Increased To £0.0245

Fintel's (LON:FNTL) Dividend Will Be Increased To £0.0245

Mar 21
Fintel's (LON:FNTL) Dividend Will Be Increased To £0.0245
author-image

Regulatory Tailwinds And Matrix Threesixty Expansion Will Drive Future Profitability

Feb 25 Fintel's strategic integration of acquired businesses through API connections aims to boost enterprise revenue, offering a comprehensive platform for intermediaries.

Fintel (LON:FNTL) Has Announced A Dividend Of £0.012

Sep 20
Fintel (LON:FNTL) Has Announced A Dividend Of £0.012

We Think You Can Look Beyond Fintel's (LON:FNTL) Lackluster Earnings

Mar 29
We Think You Can Look Beyond Fintel's (LON:FNTL) Lackluster Earnings

Fintel's (LON:FNTL) Shareholders Will Receive A Bigger Dividend Than Last Year

Sep 22
Fintel's (LON:FNTL) Shareholders Will Receive A Bigger Dividend Than Last Year

Fintel (LON:FNTL) Has Affirmed Its Dividend Of £0.01

Sep 23
Fintel (LON:FNTL) Has Affirmed Its Dividend Of £0.01

Are Investors Undervaluing Fintel Plc (LON:FNTL) By 43%?

Sep 09
Are Investors Undervaluing Fintel Plc (LON:FNTL) By 43%?

Why Fintel Plc (LON:FNTL) Could Be Worth Watching

Mar 08
Why Fintel Plc (LON:FNTL) Could Be Worth Watching

A Look At The Fair Value Of Fintel Plc (LON:FNTL)

May 15
A Look At The Fair Value Of Fintel Plc (LON:FNTL)

Read This Before Buying Fintel Plc (LON:FNTL) For Its Dividend

Apr 30
Read This Before Buying Fintel Plc (LON:FNTL) For Its Dividend

Here's Why Fintel (LON:FNTL) Can Manage Its Debt Responsibly

Apr 16
Here's Why Fintel (LON:FNTL) Can Manage Its Debt Responsibly

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Mar 10
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Feb 09
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Jan 22
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Calculating The Intrinsic Value Of The SimplyBiz Group plc (LON:SBIZ)

Jan 04
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Have The SimplyBiz Group plc (LON:SBIZ) Insiders Been Selling Their Stock?

Dec 17
Have The SimplyBiz Group plc (LON:SBIZ) Insiders Been Selling Their Stock?

Is The SimplyBiz Group plc (LON:SBIZ) Potentially Undervalued?

Dec 10
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Should You Rely On SimplyBiz Group's (LON:SBIZ) Earnings Growth?

Nov 24
Should You Rely On SimplyBiz Group's (LON:SBIZ) Earnings Growth?

Shareholder Returns

FNTLGB Professional ServicesGB Market
7D-1.3%-0.8%-1.0%
1Y-18.5%3.9%-3.0%

Return vs Industry: FNTL underperformed the UK Professional Services industry which returned 4.7% over the past year.

Return vs Market: FNTL underperformed the UK Market which returned -2.8% over the past year.

Price Volatility

Is FNTL's price volatile compared to industry and market?
FNTL volatility
FNTL Average Weekly Movement6.2%
Professional Services Industry Average Movement5.3%
Market Average Movement5.5%
10% most volatile stocks in GB Market10.4%
10% least volatile stocks in GB Market3.2%

Stable Share Price: FNTL has not had significant price volatility in the past 3 months compared to the UK market.

Volatility Over Time: FNTL's weekly volatility (6%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2002624Neil Stevenswww.wearefintel.com

Fintel Plc engages in the provision of 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 and Research. The Intermediary Services segment provides compliance and regulation services to individual financial intermediary member firms, including directly authorized IFAs, mortgage advisers, and wealth managers, as well as workplace consultants.

Fintel Plc Fundamentals Summary

How do Fintel's earnings and revenue compare to its market cap?
FNTL fundamental statistics
Market capUK£230.27m
Earnings (TTM)UK£5.90m
Revenue (TTM)UK£78.30m

39.0x

P/E Ratio

2.9x

P/S Ratio

Is FNTL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FNTL income statement (TTM)
RevenueUK£78.30m
Cost of RevenueUK£59.60m
Gross ProfitUK£18.70m
Other ExpensesUK£12.80m
EarningsUK£5.90m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)0.057
Gross Margin23.88%
Net Profit Margin7.54%
Debt/Equity Ratio29.4%

How did FNTL perform over the long term?

See historical performance and comparison

Dividends

1.7%

Current Dividend Yield

64%

Payout Ratio

Does FNTL pay a reliable dividends?

See FNTL dividend history and benchmarks
When do you need to buy FNTL by to receive an upcoming dividend?
Fintel dividend dates
Ex Dividend DateMay 22 2025
Dividend Pay DateJun 18 2025
Days until Ex dividend39 days
Days until Dividend pay date66 days

Does FNTL pay a reliable dividends?

See FNTL dividend history and benchmarks

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/04/11 23:47
End of Day Share Price 2025/04/11 00:00
Earnings2024/12/31
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Fintel Plc is covered by 4 analysts. 3 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Rahim KarimInvestec Bank plc (UK)
Rahim KarimPanmure Liberum
Gautam PillaiPeel Hunt LLP