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Fintel
Fintel (FNTL) investor relations material
Fintel Q4 2025 TU earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 TU earnings summary3 Feb, 2026
Executive summary
Achieved a transformational year with a new simplified operating structure, focusing on two divisions: Software & Data and Services.
Full year results in line with Board expectations, with adjusted EBITDA slightly ahead of market expectations.
Continued investment in technology, data, and digital compliance solutions, including the launch of Defaqto Matrix360 and Omnicore platform.
Financial highlights
Revenue increased approximately 10% year-over-year to £85.9m (FY24: £78.3m).
SaaS & Subscription revenue rose about 10% to £48.7m, representing 57% of total revenue.
Adjusted EBITDA grew 17% to £25.9m (FY24: £22.2m).
Net debt at £31.1m (FY24: £25.3m), with leverage at 1.2x (FY24: 1.1x).
Strong balance sheet with £17.3m cash and £72.5m headroom in a £120m Revolving Credit Facility.
Outlook and guidance
Entering 2026 with a strong position, simplified structure, and recurring-revenue model supporting organic growth.
Acquisition of Pearson Ham's Market Pricing Business in January 2026 expected to be earnings accretive in FY26.
Both divisions positioned to benefit from increased demand for technology, data, and regulatory support in the UK retail financial services market.
Address the minimal organic revenue growth in FY25
How new structure and tech investments boost organic growth
Future M&A pipeline and capital allocation strategy
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Next Fintel earnings date
H2 202517 Mar, 2026
Fintel
Next Fintel earnings date
H2 202517 Mar, 2026
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Frequently asked questions
Fintel Plc provides technology and support services to the financial services industry. The company offers regulatory compliance tools, research, data analytics, and software platforms to financial advisers, mortgage brokers, and product providers. It operates primarily in the United Kingdom. The company is headquartered in Huddersfield, United Kingdom, and its shares are listed on the AIM.
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