Fintel (FNTL) investor relations material

Executive summary

• Achieved strong financial and operational performance in 2025, with revenue up 10% to £85.9m and adjusted EBITDA up 16.6% to £25.9m, driven by acquisitions and recurring SaaS revenue streams.

• Completed major organisational transformation, consolidating into two divisions (Software & Data and Services), integrating nine acquisitions, and appointing new divisional leadership.

• Strategic focus on technology, data, and regulatory solutions, with significant investments in digital compliance, AI-enabled tools, and proprietary data assets.

• Entered 2026 with strong momentum, high recurring revenues, and a robust balance sheet, positioning for further organic and inorganic growth.

Financial highlights

• Revenue increased 10% year-over-year to £85.9m (FY24: £78.3m), with SaaS & Subscription revenue up 9.6% to £48.7m, now 57% of total revenue.

• Adjusted EBITDA rose 16.6% to £25.9m (FY24: £22.2m), with margin improving to 30.1% (FY24: 28.3%).

• Adjusted EPS increased to 13.7p (FY24: 13.2p); statutory EPS at 6.1p (FY24: 5.7p).

• Underlying operating cash conversion was 102% (FY24: 78%), and net debt stood at £31.1m (leverage 1.2x), after significant investment.

• Final dividend proposed at 2.5p, full year dividend 3.8p, up 4.1% from prior year.

Outlook and guidance

• Trading in early FY26 is in line with Board expectations, with strong recurring revenue and a simplified structure supporting confidence in continued growth.

• Key growth drivers for 2026 include rising demand for technology and regulatory support, further platform integration, and the earnings-accretive acquisition of Pearson Ham Group's market pricing business.