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1. Company Snapshot

1.a. Company Description

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 Channels, and Fintech & Research.The Intermediary Services segment provides compliance and regulation services to individual financial intermediary member firms, including directly authorized IFAs, directly authorized mortgage advisers, workplace consultants, and directly authorized wealth managers.


The Distribution Channels segment offers marketing and promotion, product paneling, and co-manufacturing services to financial institutions, as well as undertakes survey paneling and surveying works for mortgage lenders.The Fintech & Research segment operates a Fintech platform for approximately 8,000 users, across 3,300 firms, and provides independent ratings of 21,000 financial products and funds, as well as licensed by 250 brands.It also offers market insights and analysis, product design and compliance, and targeted distribution services to product providers; product research and comparison, financial planning and advice technology, and centralized data and workflow services to intermediaries; and product education, comparison, and rating services to consumers.


The company was formerly known as The SimplyBiz Group plc and changed its name to Fintel Plc in March 2021.Fintel Plc was founded in 2002 and is based in Huddersfield, the United Kingdom.

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1.b. Last Insights on FNTL

Fintel Plc's recent performance has been impacted by weak global cues and faltering trade data from China, affecting the UK market. Despite a fair value estimate of UK£4.28, potentially 75% above its current share price, concerns persist. A dividend payment of £0.013 per share is set for October 31. The company's growth prospects are notable, with high insider ownership indicating strong internal confidence. However, the broader market challenges, including a struggling FTSE 100 index, have likely affected Fintel's performance.

1.c. Company Highlights

2. Transcript Summary

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3. NewsRoom

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Cora Gold And 2 More UK Penny Stocks To Watch

Nov -21

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UK Value Stocks Trading At Estimated Discounts

Nov -19

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UK Growth Companies With High Insider Ownership In November 2025

Nov -12

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Fintel Plc (LON:FNTL) has caught the attention of institutional investors who hold a sizeable 39% stake

Nov -04

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UK Stock Market's October 2025 Picks For Estimated Value Opportunities

Oct -21

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UK Growth Companies With High Insider Ownership In October 2025

Oct -14

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3 UK Stocks Estimated To Be Trading Below Their Intrinsic Value

Sep -22

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Fintel (LON:FNTL) Will Pay A Dividend Of £0.013

Sep -19

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4. Business Breakdown

4.a. Revenues by Country

4.b. Revenues by Segment

5. Expected revenues mid-term growth (8.38%)

6. Segments

Intermediary Services

Expected Growth: 8%

Fintel Plc's 8% growth in Intermediary Services is driven by increasing demand for digital payment solutions, expansion into new markets, strategic partnerships, and investments in technology infrastructure. Additionally, the rise of e-commerce and online transactions has boosted the need for secure and efficient payment processing, further fueling growth.

Fintech and Research

Expected Growth: 10%

Fintel Plc's 10% growth in Fintech and Research is driven by increasing demand for digital payment solutions, rising adoption of AI-powered analytics, and growing need for regulatory compliance. Additionally, expansion into new markets, strategic partnerships, and investments in innovative technologies are contributing to the company's rapid growth.

Distribution Channels

Expected Growth: 7%

Fintel Plc's 7% growth in Distribution Channels is driven by strategic partnerships with key suppliers, expansion into new geographic markets, and investments in digital platforms, enabling efficient order fulfillment and enhanced customer experience. Additionally, the company's focus on product diversification and competitive pricing strategies have contributed to increased sales volumes and revenue growth.

7. Detailed Products

Fintel Connect

A comprehensive platform that enables businesses to onboard customers quickly and securely, while meeting AML and KYC regulations.

Fintel Verify

A digital identity verification solution that uses AI-powered technology to verify identities in real-time.

Fintel Monitor

A continuous monitoring solution that helps businesses detect and prevent fraud in real-time.

Fintel Insights

A data analytics platform that provides businesses with actionable insights to inform their risk management strategies.

Fintel Compliance

A compliance solution that helps businesses meet regulatory requirements, including AML, KYC, and GDPR.

8. Fintel Plc's Porter Forces

Forces Ranking

Threat Of Substitutes

The threat of substitutes for Fintel Plc is moderate due to the availability of alternative financial services and products.

Bargaining Power Of Customers

The bargaining power of customers is high due to the high level of competition in the financial services industry, giving customers more options and bargaining power.

Bargaining Power Of Suppliers

The bargaining power of suppliers is low due to the company's strong relationships with its suppliers and the availability of alternative suppliers.

Threat Of New Entrants

The threat of new entrants is moderate due to the high barriers to entry in the financial services industry, but the company still needs to be vigilant to new competitors.

Intensity Of Rivalry

The intensity of rivalry is high due to the high level of competition in the financial services industry, with many established players and new entrants vying for market share.

9. SWOT Analysis

Strength

Weaknesses

Opportunities

Threats

10. Capital Structure

10.a. Balance Sheet

10.b. Weighted Average Cost of capital

Value
Debt Weight 9.76%
Debt Cost 8.24%
Equity Weight 90.24%
Equity Cost 9.15%
WACC 9.06%
Leverage 10.82%

11. Quality Control: Fintel Plc passed 4 out of 9 key points

12.a Historical Valuation

12.b Price/Earnings Ratio

12.c Margin Valuation

12.d Peers Valuation

Peers Group Analysis

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Science Group

A-Score: 7.0/10

Value: 6.4

Growth: 7.6

Quality: 8.7

Yield: 1.9

Momentum: 8.0

Volatility: 9.7

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Rejlers

A-Score: 6.3/10

Value: 5.1

Growth: 7.0

Quality: 6.2

Yield: 5.0

Momentum: 8.0

Volatility: 6.7

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BTS Group

A-Score: 5.0/10

Value: 5.9

Growth: 7.4

Quality: 7.8

Yield: 4.4

Momentum: 0.5

Volatility: 4.0

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Enento

A-Score: 4.9/10

Value: 4.1

Growth: 3.3

Quality: 5.4

Yield: 6.9

Momentum: 1.5

Volatility: 8.3

1-Year Total Return ->

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Alpha FMC

A-Score: 3.7/10

Value: 1.7

Growth: 5.3

Quality: 7.0

Yield: 3.1

Momentum: 4.0

Volatility: 1.0

1-Year Total Return ->

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Fintel

A-Score: 3.5/10

Value: 2.8

Growth: 3.1

Quality: 6.0

Yield: 2.5

Momentum: 3.0

Volatility: 3.3

1-Year Total Return ->

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Peers Metrics

12.e Scoring Insights

12.f DCF BETA

Parameters

Short Term Growth

Short term Time

Long-Term Growth

WACC

Target Price

2.07$

Current Price

2.07$

Potential

-0.00%

Expected Cash-Flows