Fintel Plc (AIM:FNTL)

Fintel Statistics

Total Valuation

Fintel has a market cap or net worth of GBP 244.85 million. The enterprise value is 277.35 million.

Market Cap	244.85M
Enterprise Value	277.35M

Important Dates

The last earnings date was Tuesday, September 16, 2025.

Earnings Date	Sep 16, 2025
Ex-Dividend Date	Sep 25, 2025

Share Statistics

Fintel has 104.19 million shares outstanding. The number of shares has increased by 0.16% in one year.

Current Share Class	104.19M
Shares Outstanding	104.19M
Shares Change (YoY)	+0.16%
Shares Change (QoQ)	-0.09%
Owned by Insiders (%)	26.79%
Owned by Institutions (%)	38.55%
Float	50.93M

Valuation Ratios

The trailing PE ratio is 39.49 and the forward PE ratio is 17.22.

PE Ratio	39.49
Forward PE	17.22
PS Ratio	2.88
PB Ratio	2.39
P/TBV Ratio	n/a
P/FCF Ratio	25.24
P/OCF Ratio	24.73
PEG Ratio	n/a

Enterprise Valuation

The stock's EV/EBITDA ratio is 12.78, with an EV/FCF ratio of 28.59.

EV / Earnings	44.73
EV / Sales	3.26
EV / EBITDA	12.78
EV / EBIT	16.03
EV / FCF	28.59

Financial Position

The company has a current ratio of 0.86, with a Debt / Equity ratio of 0.40.

Current Ratio	0.86
Quick Ratio	0.86
Debt / Equity	0.40
Debt / EBITDA	1.87
Debt / FCF	4.18
Interest Coverage	5.41

Financial Efficiency

Return on equity (ROE) is 6.46% and return on invested capital (ROIC) is 8.34%.

Return on Equity (ROE)	6.46%
Return on Assets (ROA)	6.49%
Return on Invested Capital (ROIC)	8.34%
Return on Capital Employed (ROCE)	11.28%
Revenue Per Employee	136,218
Profits Per Employee	9,936
Employee Count	624
Asset Turnover	0.51
Inventory Turnover	n/a

Taxes

In the past 12 months, Fintel has paid 1.60 million in taxes.

Income Tax	1.60M
Effective Tax Rate	19.75%

Stock Price Statistics

The stock price has decreased by -9.62% in the last 52 weeks. The beta is 0.93, so Fintel's price volatility has been similar to the market average.

Beta (5Y)	0.93
52-Week Price Change	-9.62%
50-Day Moving Average	232.35
200-Day Moving Average	252.15
Relative Strength Index (RSI)	53.47
Average Volume (20 Days)	271,792

Short Selling Information

Short Interest	n/a
Short Previous Month	n/a
Short % of Shares Out	n/a
Short % of Float	n/a
Short Ratio (days to cover)	n/a

Income Statement

In the last 12 months, Fintel had revenue of GBP 85.00 million and earned 6.20 million in profits. Earnings per share was 0.06.

Revenue	85.00M
Gross Profit	20.80M
Operating Income	17.30M
Pretax Income	8.10M
Net Income	6.20M
EBITDA	21.10M
EBIT	17.30M
Earnings Per Share (EPS)	0.06

Balance Sheet

The company has 8.40 million in cash and 40.50 million in debt, giving a net cash position of -32.10 million or -0.31 per share.

Cash & Cash Equivalents	8.40M
Total Debt	40.50M
Net Cash	-32.10M
Net Cash Per Share	-0.31
Equity (Book Value)	102.30M
Book Value Per Share	0.98
Working Capital	-3.90M

Cash Flow

In the last 12 months, operating cash flow was 9.90 million and capital expenditures -200,000, giving a free cash flow of 9.70 million.

Operating Cash Flow	9.90M
Capital Expenditures	-200,000
Free Cash Flow	9.70M
FCF Per Share	0.09

Margins

Gross margin is 24.47%, with operating and profit margins of 20.35% and 7.29%.

Gross Margin	24.47%
Operating Margin	20.35%
Pretax Margin	9.53%
Profit Margin	7.29%
EBITDA Margin	24.82%
EBIT Margin	20.35%
FCF Margin	11.41%

Dividends & Yields

This stock pays an annual dividend of 0.04, which amounts to a dividend yield of 1.60%.

Dividend Per Share	0.04
Dividend Yield	1.60%
Dividend Growth (YoY)	5.63%
Years of Dividend Growth	2
Payout Ratio	58.06%
Buyback Yield	-0.16%
Shareholder Yield	1.44%
Earnings Yield	2.53%
FCF Yield	3.96%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value
Lynch Upside
Graham Number
Graham Upside

Stock Splits

This stock does not have any record of stock splits.

Last Split Date	n/a
Split Type	n/a
Split Ratio	n/a

Scores

Fintel has an Altman Z-Score of 3.57 and a Piotroski F-Score of 6.

Altman Z-Score	3.57
Piotroski F-Score	6