Fintel Plc provides intermediary services and distribution channels to the retail financial services sector in the United Kingdom. More Details
No risks detected for FNTL from our risk checks.
Excellent balance sheet and slightly overvalued.
Share Price & News
How has Fintel's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: FNTL is not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 5% a week.
Volatility Over Time: FNTL's weekly volatility (5%) has been stable over the past year.
7 Day Return
GB Professional Services
1 Year Return
GB Professional Services
Return vs Industry: FNTL exceeded the UK Professional Services industry which returned 17% over the past year.
Return vs Market: FNTL exceeded the UK Market which returned 19.1% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Fintel's share price compared to the market and industry in the last 5 years?
Simply Wall St News
1 month ago | Simply Wall StCan You Imagine How Fintel's (LON:FNTL) Shareholders Feel About The 38% Share Price Increase?
1 month ago | Simply Wall StIs Fintel Plc's (LON:FNTL) Latest Stock Performance A Reflection Of Its Financial Health?
2 months ago | Simply Wall StA Look At The Fair Value Of Fintel Plc (LON:FNTL)
Is Fintel undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: FNTL (£2.35) is trading below our estimate of fair value (£2.61)
Significantly Below Fair Value: FNTL is trading below fair value, but not by a significant amount.
Price To Earnings Ratio
PE vs Industry: FNTL is good value based on its PE Ratio (28.1x) compared to the UK Professional Services industry average (35.6x).
PE vs Market: FNTL is poor value based on its PE Ratio (28.1x) compared to the UK market (23.8x).
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate FNTL's PEG Ratio to determine if it is good value.
Price to Book Ratio
PB vs Industry: FNTL's PB Ratio (3x) is in line with the GB Professional Services industry average.
How is Fintel forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?
Forecasted annual revenue growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: Insufficient data to determine if FNTL's forecast earnings growth is above the savings rate (0.9%).
Earnings vs Market: Insufficient data to determine if FNTL's earnings are forecast to grow faster than the UK market
High Growth Earnings: Insufficient data to determine if earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: FNTL's revenue (4.1% per year) is forecast to grow slower than the UK market (5.3% per year).
High Growth Revenue: FNTL's revenue (4.1% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: Insufficient data to determine if FNTL's Return on Equity is forecast to be high in 3 years time
How has Fintel performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: FNTL has high quality earnings.
Growing Profit Margin: FNTL's current net profit margins (13.2%) are lower than last year (13.6%).
Past Earnings Growth Analysis
Earnings Trend: FNTL has become profitable over the past 5 years, growing earnings by 36.4% per year.
Accelerating Growth: FNTL's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: FNTL had negative earnings growth (-5.6%) over the past year, making it difficult to compare to the Professional Services industry average (-4.4%).
Return on Equity
High ROE: FNTL's Return on Equity (10.9%) is considered low.
How is Fintel's financial position?
Financial Position Analysis
Short Term Liabilities: FNTL's short term assets (£20.7M) exceed its short term liabilities (£18.2M).
Long Term Liabilities: FNTL's short term assets (£20.7M) do not cover its long term liabilities (£39.6M).
Debt to Equity History and Analysis
Debt Level: FNTL's debt to equity ratio (39.8%) is considered satisfactory.
Reducing Debt: FNTL had negative shareholder equity 5 years ago, but is now positive and has therefore improved.
Debt Coverage: FNTL's debt is well covered by operating cash flow (56.2%).
Interest Coverage: FNTL's interest payments on its debt are well covered by EBIT (10.2x coverage).
What is Fintel current dividend yield, its reliability and sustainability?
Current Dividend Yield
Dividend Yield vs Market
Notable Dividend: FNTL's dividend (1.22%) isn’t notable compared to the bottom 25% of dividend payers in the UK market (1.3%).
High Dividend: FNTL's dividend (1.22%) is low compared to the top 25% of dividend payers in the UK market (3.98%).
Stability and Growth of Payments
Stable Dividend: FNTL has been paying a dividend for less than 10 years and during this time payments have been volatile.
Growing Dividend: FNTL's dividend payments have increased, but the company has only paid a dividend for 3 years.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (34.2%), FNTL's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: FNTL's dividends in 3 years are forecast to be well covered by earnings (25.1% payout ratio).
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Neil Stevens (43 yo)
Mr. Neil Martin Stevens is Joint Chief Executive Officer of Fintel Plc (formerly known as The SimplyBiz Group plc) since 2010 and serves as its Director since May 2010. He joined the Fintel Plc in 2004. Mr...
CEO Compensation Analysis
Compensation vs Market: Neil's total compensation ($USD655.16K) is about average for companies of similar size in the UK market ($USD720.93K).
Compensation vs Earnings: Neil's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
Experienced Management: FNTL's management team is considered experienced (2.7 years average tenure).
Experienced Board: FNTL's board of directors are not considered experienced ( 0.3 years average tenure), which suggests a new board.
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Fintel Plc's company bio, employee growth, exchange listings and data sources
- Name: Fintel Plc
- Ticker: FNTL
- Exchange: AIM
- Founded: 2002
- Industry: Research and Consulting Services
- Sector: Commercial Services
- Market Cap: UK£227.507m
- Shares outstanding: 97.02m
- Website: https://www.wearefintel.com
Number of Employees
- Fintel Plc
- Fintel House
- St. Andrews Road
- West Yorkshire
- HD1 6NA
- United Kingdom
Fintel Plc provides intermediary services and distribution channels to the retail financial services sector in the United Kingdom. It operates through three segments: Intermediary Services, Distribution Ch...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/07/27 22:54|
|End of Day Share Price||2021/07/27 00:00|
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 here.