Fintel AIM:FNTL
- Founded
- 2002 · Huddersfield, England
- Incorporated
- United Kingdom
- Chief executive
- Matt Timmins
- Employees
- 592
- Reports in
- GBP
- Companies House
- 09619906
Provider of technology, compliance and research services to UK retail financial services intermediaries. Combines the SimplyBiz compliance and support network for advisers, the Defaqto product ratings and software business, and distribution services connecting product providers with the intermediary market.
Read straight from the annual reports
185p at close on 2 Oct 2026 · 11 reported years, 2015–2025
| Line | FY201512/15 | FY201612/16 | FY201712/17 | FY201812/18 | FY201912/19 | FY202012/20 | FY202112/21 | FY202212/22 | FY202312/23 | FY202412/24 | FY202512/25 | FY2026unreported |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | vs 40.8 | |||||||||||
| Gross profit | — | — | — | — | — | — | — | |||||
| Operating profit | ||||||||||||
| Adjusted operating profit | — | — | — | — | — | |||||||
| Exceptional items | vs 2.8 | vs 3.5 | vs 4.4 | |||||||||
| Net finance cost | ||||||||||||
| Profit before tax | ||||||||||||
| Adjusted profit before tax | — | — | vs 10.1 | vs 14.4 | ||||||||
| Tax charge | ||||||||||||
| Profit for the year | ||||||||||||
| EBITDA | ||||||||||||
| Adjusted minus statutory PBT | — | — | ||||||||||
| Basic EPS | — | — | ||||||||||
| Diluted EPS | — | — | ||||||||||
| Adjusted EPS | — | — | ||||||||||
| Dividend per share | — |
GBP millions, negatives in brackets. Per-share lines in pence, share counts in millions. later is what a following report restated the figure to; vs is a second reading that disagrees. The figure shown is the one the original filing printed, and both readings are kept. Click any figure: opens the report page it was read from, highlighted; shows how it was calculated. The share price above is drawn to the same columns: each close sits over the financial year it fell in.
11 years, at a glance
Dashed: Operating margin, in % on its own scale — read its shape, not its height against the bars.
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Recurring SaaS & Subscription revenue
SaaS & Subs revenue of £48.7m, up 9.6%, now represents 57% of total Group revenue, reflecting contracted annual/multi-year software and membership agreements
page 5Regulatory-driven demand for compliance and advisory support
Ongoing regulatory pressure, particularly Consumer Duty implementation, is sustaining demand for outsourced, full-service compliance support across the UK advice market
page 18Operating leverage from simplified two-division operating model and synergy realisation following nine acquisitions since 2023
Reorganisation into Software & Data and Services aligned complementary capabilities, reduced complexity and cost base to a unified, scalable structure, expected to create increasing operating leverage
page 18Rising SaaS/subscription mix
Adjusted EBITDA margin improved to 30.1% (+180bps), driven by revenue growth, acquisitions and improved operating efficiency
page 50£2.9m charge: M&A transaction costs (professional advisory fees on M&A and fair value adjustments to contingent consideration)
page 106Our aim is to build the UK's most powerful fintech and data intelligence platform, powered by a scalable SaaS model to deliver long-term, high-quality growth.
page 16On 19 January 2026 the Group completed the acquisition of Pearson Ham Group's market pricing business (proprietary UK insurance pricing data) for initial net cash consideration of £7.5m plus deferred consideration of £3.5m payable in April and July 2026; purchase price allocation not yet finalised
page 124Progressive and sustainable dividend policy balanced with investment for long-term growth. FY25 full-year dividend of 3.80p (FY24: 3.65p), up 4.1%, comprising an interim of 1.30p and proposed final of 2.50p, payable 18 June 2026 (ex-div 28 May 2026)
page 7Directors adopted the going concern basis for the 18-month period to 30 September 2027 after severe-but-plausible downside scenario testing (including a 15% revenue downgrade) against the £120m RCF covenants (interest cover >4.0x, leverage <3.0x; actual 7.6x and 1.2x at 31 Dec 2025). EY (Mark Morritt, senior statutory auditor) issued an unmodified/unqualified audit opinion on both Group and parent company financial statements, with two key audit matters: (1) risk of inappropriate revenue recognition from material adjustments/deferral, and (2) risk of inappropriate valuation of acquired intangibles on the RSMR business combination; no material uncertainty related to going concern was identified
page 81- Financial shock outside the Group's control (macroeconomic instability, interest rates, mortgage market sensitivity) - impact potential Significantp.56
- Data integrity and cyber security (unauthorised access/data loss, AI-related data risk) - impact potential Significant, risk increasingp.56
- Evolution of the regulatory environment - impact potential Moderatep.57
- Loss of key personnel, particularly given management structure changes in the year - impact potential Moderate, risk increasingp.57
Read from C000472-AR-2025-ch.
10 annual reports read, FY2016 to FY2025
Open a year to see what its report said. Every line in it carries the page it was read from.
Sources: Companies House (10)
FY2026Next report expected 26 Mar 2027