Fintel (FNTLL) Stock Overview

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

FNTLL fundamental analysis
Snowflake Score
Valuation	3/6
Future Growth	4/6
Past Performance	0/6
Financial Health	4/6
Dividends	1/6

Rewards

Trading at 42% below our estimate of its fair value

Earnings are forecast to grow 30.15% per year

Analysts in good agreement that stock price will rise by 36.5%

Risk Analysis

Shares are highly illiquid

Large one-off items impacting financial results

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

FNTLL Community Fair Values

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Fintel Plc Competitors

Price History & Performance

Summary of share price highs, lows and changes for Fintel
Historical stock prices
Current Share Price	UK£2.42
52 Week High	UK£2.79
52 Week Low	UK£2.42
Beta	0.96
1 Month Change	-5.65%
3 Month Change	n/a
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-6.38%

Recent updates

Shareholder Returns

	FNTLL	GB Professional Services	GB Market
7D	-2.8%	1.3%	0.6%
1Y	n/a	11.2%	6.9%

Return vs Industry: Insufficient data to determine how FNTLL performed against the UK Professional Services industry.

Return vs Market: Insufficient data to determine how FNTLL performed against the UK Market.

Price Volatility

Is FNTLL's price volatile compared to industry and market?
FNTLL volatility
FNTLL Average Weekly Movement	n/a
Professional Services Industry Average Movement	5.0%
Market Average Movement	5.0%
10% most volatile stocks in GB Market	11.3%
10% least volatile stocks in GB Market	2.7%

Stable Share Price: FNTLL's share price has been volatile over the past 3 months compared to the UK market.

Volatility Over Time: Insufficient data to determine FNTLL's volatility change over the past year.

About the Company

Founded	Employees	CEO	Website
2002	624	Matt Timmins	www.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?
FNTLL fundamental statistics
Market cap	UK£259.44m
Earnings (TTM)	UK£5.90m
Revenue (TTM)	UK£78.30m

44.0x

P/E Ratio

3.3x

P/S Ratio

Is FNTLL overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
FNTLL income statement (TTM)
Revenue	UK£78.30m
Cost of Revenue	UK£59.60m
Gross Profit	UK£18.70m
Other Expenses	UK£12.80m
Earnings	UK£5.90m

Last Reported Earnings

Dec 31, 2024

Next Earnings Date

n/a

Earnings per share (EPS)	0.057
Gross Margin	23.88%
Net Profit Margin	7.54%
Debt/Equity Ratio	29.4%

How did FNTLL perform over the long term?

See historical performance and comparison

Dividends

1.5%

Current Dividend Yield

64%

Payout Ratio

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2025/07/21 00:51
End of Day Share Price	2025/07/17 00:00
Earnings	2024/12/31
Annual Earnings	2024/12/31

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.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* 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 5 analysts. 4 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Rahim Karim	Investec Bank plc (UK)
Rahim Karim	Panmure Liberum
Gautam Pillai	Peel Hunt LLP

FintelBATS-CHIXE:FNTLL Stock Report