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Fintel Plc (FNTL.L)
Huddersfield, GB
Fintel Plc, a company established in 2002 and headquartered in Huddersfield, UK, is a key provider of support services and market access within the United Kingdom's retail financial services sector. Operating under its current name since March 2021, having previously been known as The SimplyBiz Group plc, Fintel's activities are structured across three primary divisions: Intermediary Services, Distribution Channels, and Fintech & Research. The Intermediary Services segment specializes in offering essential compliance and regulatory guidance to a diverse range of directly authorized financial intermediary firms, including independent financial advisors, mortgage professionals, workplace benefits consultants, and wealth management experts. Through its Distribution Channels segment, Fintel facilitates market engagement for financial institutions. This involves providing strategic marketing and promotional support, aiding in product placement on approved panels, and engaging in co-manufacturing initiatives. Additionally, this segment conducts vital survey paneling and surveying activities specifically for mortgage lenders. The robust Fintech & Research division stands out with its advanced Fintech platform, serving approximately 8,000 users across 3,300 companies. It is also a key source of independent ratings for an extensive portfolio of 21,000 financial products and investment funds, with its assessments trusted by 250 brands. This division further empowers product providers by supplying critical market insights, expertise in product design and compliance, and targeted distribution strategies. For intermediaries, it delivers tools for comprehensive product research and comparison, cutting-edge financial planning and advice technology, and streamlined centralized data and workflow solutions. Finally, consumers benefit from its offerings through informative product education, comparative analysis, and clear rating services.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +1.34% | +2.44% | +3.56% | -12.90% | -11.27% | -8.70% | -26.74% | -4.30% | -17.83% | +19.62% | +19.62% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.
| Rating | 2026-05 | Change |
|---|---|---|
| Strong Buy | 0 | 0 |
| Buy | 5 | 0 |
| Hold | 0 | 0 |
| Sell | 0 | 0 |
| Strong Sell | 0 | 0 |
-
Revenue growth Consulting Services: +8.7%+9.7% ★ Q4'25: +31.0% (vs Q4'23)
-
EPS growth Consulting Services: +10.0%+6.9% Q4'25: +2.7% (vs Q4'23)
-
FCF margin FCF growth · Consulting Services: +16.4%+22.6% ★ Q4'25: +11.5% (vs Q4'23)
-
EBIT margin Consulting Services: +14.1%+20.8% ★ Q4'25: +24.4% (vs Q4'23)
-
ROIC Consulting Services: +12.0%+8.8% Q4'25: +21.2% (vs Q4'23)
-
Share dilution Consulting Services: +0.6%+0.0% Q4'25: +0.1% (vs Q4'23)
-
Debt / EBITDA Net debt/EBITDA · Consulting Services: -0.79×1.94× Q4'25: 0.85× (vs Q4'23)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
| Metric |
Dec 2018 actual |
Dec 2019 actual |
Dec 2020 actual |
Dec 2021 actual |
Dec 2022 actual |
Dec 2023 actual |
Dec 2024 actual |
Dec 2025 actual |
Dec 2026 3 Rev. Ana. 1 EPS Ana. |
Dec 2027 3 Rev. Ana. 1 EPS Ana. |
Dec 2028 1 Rev. Ana. 1 EPS Ana. |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue |
50.69M
est: 51.10M (-0.8%)
|
62.77M
est: 64.05M (-2.0%)
|
61.01M
est: 61.00M (+0.0%)
|
63.90M
est: 63.90M (+0.0%)
|
66.50M
est: 66.50M (+0.0%)
|
64.90M
est: 68.90M (-5.8%)
|
78.30M
est: 78.30M (+0.0%)
|
85.90M
est: 86.18M (-0.3%)
|
88.60M
88.58M – 88.62M
+2.8% YoY
|
92.60M
92.29M – 92.91M
+4.5% YoY
|
94.20M
94.03M – 94.37M
+1.7% YoY
|
| EBITDA |
5.71M
est: 12.30M (-53.5%)
|
15.33M
est: 15.41M (-0.5%)
|
15.69M
est: 14.68M (+6.9%)
|
17.20M
est: 15.37M (+11.9%)
|
16.60M
est: 16.00M (+3.7%)
|
14.70M
est: 17.06M (-13.8%)
|
15.70M
est: 19.39M (-19.0%)
|
25.10M
est: 21.34M (+17.6%)
|
21.94M
21.93M – 21.94M
+2.8% YoY
|
22.93M
22.85M – 23.00M
+4.5% YoY
|
23.32M
23.28M – 23.37M
+1.7% YoY
|
| EBIT |
5.20M
est: 8.89M (-41.5%)
|
12.13M
est: 11.14M (+8.8%)
|
11.44M
est: 10.61M (+7.9%)
|
12.80M
est: 11.11M (+15.2%)
|
12.80M
est: 11.57M (+10.7%)
|
10.40M
est: 12.27M (-15.2%)
|
10.10M
est: 13.94M (-27.6%)
|
17.90M
est: 15.35M (+16.6%)
|
15.78M
15.77M – 15.78M
+2.8% YoY
|
16.49M
16.44M – 16.55M
+4.5% YoY
|
16.78M
16.75M – 16.81M
+1.7% YoY
|
| Net Income |
2.85M
est: 10.94M (-74.0%)
|
8.55M
est: 13.02M (-34.4%)
|
8.10M
est: 11.63M (-30.3%)
|
15.40M
est: 10.84M (+42.1%)
|
9.80M
est: 12.61M (-22.3%)
|
7.10M
est: 5.92M (+19.9%)
|
5.90M
est: 12.64M (-53.3%)
|
6.30M
est: 14.22M (-55.7%)
|
16.07M
15.84M – 16.31M
+13.0% YoY
|
18.16M
17.65M – 18.67M
+13.0% YoY
|
19.37M
19.33M – 19.42M
+6.7% YoY
|
| SGA |
—
est: -960.6K (+100.0%)
|
—
est: -1.20M (+100.0%)
|
—
est: -1.15M (+100.0%)
|
—
est: -1.20M (+100.0%)
|
—
est: -1.25M (+100.0%)
|
-6.10M
est: -1.30M (-371.0%)
|
—
est: -1.47M (+100.0%)
|
—
est: -1.62M (+100.0%)
|
-1.67M
-1.67M – -1.67M
-2.8% YoY
|
-1.74M
-1.75M – -1.73M
-4.5% YoY
|
-1.77M
-1.77M – -1.77M
-1.7% YoY
|
| EPS |
0.04
est: 0.11 (-62.3%)
|
0.09
est: 0.13 (-26.0%)
|
0.08
est: 0.11 (-25.3%)
|
0.16
est: 0.10 (+53.8%)
|
0.10
est: 0.12 (-21.5%)
|
0.07
est: 0.06 (+19.7%)
|
0.06
est: 0.12 (-53.3%)
|
0.06
est: 0.14 (-55.7%)
|
0.15
0.15 – 0.16
+12.9% YoY
|
0.17
0.17 – 0.18
+13.0% YoY
|
0.19
0.19 – 0.19
+6.7% YoY
|
| Date | Rating | Overall | DCF | ROE | ROA | D/E | P/E | P/B |
|---|---|---|---|---|---|---|---|---|
| 2026-05-29 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-28 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-27 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-26 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-22 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-21 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-20 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-19 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-18 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-15 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-14 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-13 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-12 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-11 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-08 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-07 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-06 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-05 | B+ | 3/5 | 5/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-05-01 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-30 | B+ | 3/5 | 4/5 | 3/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-29 | B | 3/5 | 4/5 | 2/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-28 | B | 3/5 | 4/5 | 2/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-27 | B | 3/5 | 4/5 | 2/5 | 4/5 | 2/5 | 2/5 | 3/5 |
| 2026-04-24 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-23 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-22 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-21 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-20 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-17 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 2/5 | 3/5 |
| 2026-04-16 | B | 3/5 | 4/5 | 2/5 | 4/5 | 1/5 | 2/5 | 3/5 |
Owner Earnings
Ownership Overview
Ownership breakdown not available.
No beneficial ownership filings recorded.
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
| # | ETF | Weight | Est. AUM exposure | TER |
|---|---|---|---|---|
| 1 | WisdomTree Dynamic International SmallCap Equity ETF DDLS | 0.03% | 134.8K | 0.48% |
| 2 | WisdomTree International SmallCap Dividend Fund DLS | 0.03% | 311.8K | 0.58% |
| 3 | WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L | 0.01% | 13.6K | 0.38% |
| 4 | WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE | 0.01% | 13.6K | 0.38% |
Insider Activity
No insider activity available.
Insider history not available.
No recent insider transactions.
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
No SEC filings available for this company yet.
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Matthew Lloyd Timmins | Chief Executive Officer & Executive Director | 350.0K | male |
| David Thompson | Chief Financial Officer & Executive Director | 319.0K | male |
| Gary Kershaw | Group Compliance Director | 225.3K | male |
| Kenneth Ernest Davy | Founder & Non-Executive Director | 55.0K | male |
| Alex Whitson | Chief Executive Officer of Fintel Services | — | male |
| Russell Naglis | General Counsel & Corporate Secretary | — | male |
| Amber Lippiett | Director of Brand | — | female |
| Emily Blain | People & Operations Director | — | female |
| John Milliken | Chief Executive Officer of Software & Data | — | male |
No data available for this company.
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for FNTL.L
Short-term intention
Target Price Distribution
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