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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. The Distribution Channels segment offers data, distribution, and marketing and promotion services to product providers, as well as Distribution-as-a-Service to financial institutions; and undertakes survey paneling and surveying works for mortgage lenders. The Fintech and Research segment operates a Fintech platform, as well as provides independent ratings and reviews for products and funds; and financial information and product research services to product providers and financial intermediaries. It offers market insights and analysis, product design and compliance, and targeted distribution services; product research and comparison, financial planning and advice technology, and integrated workflow services; and product education, comparison, and rating services to product providers, intermediaries, consumers. 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.
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| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Income before tax | 9.80M | 7.70M | 9.60M | 12.40M | 19.90M |
| Minority interest | -0.30M | -0.40M | 0.30M | 0.30M | -0.20M |
| Net income | 6.30M | 5.90M | 7.10M | 9.80M | 15.40M |
| Gross profit | 18.60M | 18.70M | 16.90M | 66.50M | 63.90M |
| Reconciled depreciation | 7.30M | 5.60M | 4.30M | 3.80M | 4.40M |
| Ebit | 17.90M | 10.10M | 10.40M | 12.90M | 12.80M |
| Ebitda | 25.10M | 15.70M | 14.70M | 17.30M | 17.20M |
| Depreciation and amortization | 7.20M | 5.60M | 4.30M | 4.40M | 4.40M |
| Operating income | 17.90M | 9.70M | 10.10M | 12.90M | 12.80M |
| Other operating expenses | 68.00M | 68.60M | 54.80M | 52.90M | 51.10M |
| Interest expense | 3.00M | 2.40M | 0.80M | 0.40M | 0.70M |
| Tax provision | 3.20M | 1.40M | 2.20M | 2.30M | 4.30M |
| Interest income | 0.50M | 0.40M | 0.30M | - | 0.00M |
| Net interest income | -2.40M | -2.00M | -0.50M | -0.50M | -0.70M |
| Income tax expense | 3.20M | 1.40M | 2.20M | 2.30M | 4.30M |
| Total revenue | 85.90M | 78.30M | 64.90M | 66.50M | 63.90M |
| Total operating expenses | 0.70M | 9.00M | 6.80M | 52.90M | 51.10M |
| Cost of revenue | 67.30M | 62.80M | 49.50M | - | - |
| Total other income expense net | -8.10M | -2.00M | -0.50M | -0.50M | 7.10M |
| Net income from continuing ops | 6.60M | 6.30M | 7.40M | 10.10M | 15.60M |
| Net income applicable to common shares | - | - | - | 9.80M | 15.40M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Total assets | 190.10M | 169.10M | 147.20M | 124.00M | 123.30M |
| Intangible assets | 38.10M | 36.50M | 29.30M | 23.00M | 24.40M |
| Other current assets | - | 3.90M | 1.40M | - | 9.80M |
| Total liab | 84.30M | 67.10M | 44.30M | 26.20M | 34.80M |
| Total stockholder equity | 104.80M | 101.70M | 102.60M | 97.30M | 88.20M |
| Other current liab | 4.30M | 22.50M | 16.70M | 8.80M | 2.00M |
| Common stock | 1.00M | 1.00M | 1.00M | 1.00M | 1.00M |
| Capital stock | 1.00M | 1.00M | 1.00M | 1.00M | 1.00M |
| Retained earnings | 34.60M | 86.00M | 84.60M | 80.80M | 73.90M |
| Other liab | - | - | - | 5.40M | 5.40M |
| Good will | 108.10M | 102.50M | 88.90M | 72.20M | 72.20M |
| Other assets | - | - | 0.00M | 1.60M | 2.60M |
| Cash | 17.30M | 6.30M | 12.70M | 12.80M | 9.40M |
| Total current liabilities | 27.30M | 27.60M | 21.30M | 19.00M | 19.40M |
| Current deferred revenue | - | - | 8.70M | - | - |
| Net debt | 31.30M | 25.60M | -0.10M | -10.60M | 1.00M |
| Short term debt | 0.60M | 0.50M | 0.40M | 0.40M | 0.40M |
| Short long term debt | - | - | 0.00M | - | - |
| Short long term debt total | 48.60M | 31.90M | 12.60M | 2.20M | 10.40M |
| Other stockholder equity | 67.40M | 67.40M | 67.00M | 15.50M | 13.30M |
| Property plant equipment | - | - | - | 3.40M | 4.90M |
| Total current assets | 32.10M | 21.80M | 22.90M | 23.80M | 19.20M |
| Net tangible assets | - | - | - | 2.10M | -8.40M |
| Net receivables | 14.80M | 11.60M | 8.80M | 10.60M | 8.70M |
| Long term debt | 46.80M | 30.00M | 10.70M | 0.00M | 6.80M |
| Inventory | - | - | 0.00M | - | - |
| Accounts payable | 22.40M | 1.50M | 1.80M | 18.60M | 17.00M |
| Accumulated other comprehensive income | 1.80M | -52.70M | -50.00M | - | - |
| Non currrent assets other | - | 2.20M | 1.50M | 1.60M | 2.60M |
| Non current assets total | 158.00M | 147.30M | 124.30M | 100.20M | 104.10M |
| Capital lease obligations | 1.80M | 1.90M | 1.90M | 2.20M | 3.60M |
| Breakdown | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|---|
| Type | yearly | yearly | yearly | yearly | yearly |
| Date | 2025-12-31 | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
| Investments | - | -25.70M | -18.80M | -1.90M | 9.30M |
| Change to liabilities | - | - | - | 1.70M | 1.20M |
| Total cashflows from investing activities | -17.30M | -25.70M | -18.80M | -1.90M | 9.30M |
| Net borrowings | 17.50M | 19.00M | 11.00M | -7.50M | -23.80M |
| Total cash from financing activities | 13.00M | 13.10M | 6.20M | -10.30M | -27.30M |
| Net income | 6.30M | 6.30M | 7.10M | 10.10M | 15.60M |
| Change in cash | 11.00M | -6.40M | -0.10M | 3.40M | -0.90M |
| Begin period cash flow | 6.30M | 12.70M | 12.80M | 9.40M | 10.30M |
| End period cash flow | 17.30M | 6.30M | 12.70M | 12.80M | 9.40M |
| Total cash from operating activities | 15.30M | 6.20M | 12.50M | 15.60M | 17.10M |
| Issuance of capital stock | 0.00M | 0.40M | 0.20M | 1.20M | 0.80M |
| Depreciation | 7.20M | 5.60M | 4.30M | 3.80M | 4.40M |
| Other cashflows from investing activities | - | -7.60M | -4.20M | - | - |
| Dividends paid | 3.90M | 3.70M | 3.50M | 3.30M | 3.80M |
| Change to account receivables | 0.20M | -1.40M | 0.40M | 0.10M | -0.60M |
| Other cashflows from financing activities | -0.60M | -2.60M | -1.50M | -1.20M | -1.30M |
| Change to netincome | - | - | - | 0.20M | -3.30M |
| Capital expenditures | 0.30M | 5.70M | 4.80M | 1.90M | 1.80M |
| Change in working capital | 0.80M | -2.60M | -0.70M | 1.80M | 0.60M |
| Stock based compensation | 0.80M | 1.10M | 1.50M | 1.30M | 1.10M |
| Other non cash items | 1.00M | -4.20M | 1.30M | -1.40M | 0.70M |
| Free cash flow | 15.00M | 0.50M | 7.70M | 13.70M | 15.30M |
Sector: Industrials Industry: Consulting Services
|
Stock Name
|
Change
(GBX) |
Price
(GBX) |
Trailing
PE (x) |
Forward
PE (x) |
Price Sales
TTM (x) |
Price to Book Value (x)
|
Enterprise Value
to Revenue (x) |
Enterprise Value
to EBITDA (x) |
|---|---|---|---|---|---|---|---|---|
| FNTL Fintel PLC |
-1.00 0.60% |
166.00 | 30.53 | 11.48 | 2.22 | 1.80 | 2.57 | 10.97 |
| EXPN Experian PLC |
-6.00 0.21% |
2894.00 | 23.55 | 17.45 | 2.92 | 5.74 | 4.55 | 12.79 |
| DATA GlobalData PLC |
-0.30 0.47% |
63.60 | 19.75 | 9.64 | 1.73 | 1.78 | 2.11 | 6.50 |
| ELIX Elixirr International Plc |
-6.00 1.19% |
500.00 | 19.47 | 9.15 | 2.63 | 2.44 | 2.35 | 9.50 |
| PPHC Public Policy Holding Company Inc |
5.00 0.70% |
720.00 | - | 9.47 | 1.56 | 4.73 | 2.16 | 117.90 |
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. The Distribution Channels segment offers data, distribution, and marketing and promotion services to product providers, as well as Distribution-as-a-Service to financial institutions; and undertakes survey paneling and surveying works for mortgage lenders. The Fintech and Research segment operates a Fintech platform, as well as provides independent ratings and reviews for products and funds; and financial information and product research services to product providers and financial intermediaries. It offers market insights and analysis, product design and compliance, and targeted distribution services; product research and comparison, financial planning and advice technology, and integrated workflow services; and product education, comparison, and rating services to product providers, intermediaries, consumers. 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.
| Name | Title | Year Born |
|---|---|---|
| Mr. Neil Martin Stevens | Joint CEO & Director | 1978 |
| Mr. Matthew Lloyd Timmins | Joint CEO & Director | 1979 |
| Mr. David Thompson | CFO & Director | 1977 |
| Ms. Janice Laing | Member of Exec. Management Board & MD of Compliance First | NA |
| Mr. Kyle Augustin | Chief Operating Officer | NA |
| Mr. Gary Kershaw | Group Compliance Director | 1971 |
| Mr. Richard Ardron | Group Marketing Director | NA |
| Ms. Emily Blain | HR Director & Wellbeing Advisor | NA |
| Mr. Daniel Russell | MD of Distribution Solutions | NA |
| Mr. Matt West | Chief Revenue Officer | NA |
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