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Fintel (FNTL) investor relations material
Fintel H1 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.H1 2025 earnings summary16 Sep, 2025
Executive summary
Delivered strong H1 2025 results with group revenue up 18.6% year-over-year to £42.4m and adjusted EBITDA up 17% to £11.2m, reflecting robust trading and successful integration of nine acquisitions into two divisions: Software & Data and Services.
Transitioned to a platform business model focused on software, data, and services, enhancing recurring revenue streams and operational synergies.
SaaS and subscription revenues grew 21% to £24.2m, now representing 57% of group revenue.
Performance remains in line with full-year expectations, with continued growth in revenue visibility and profitability.
Financial highlights
Group revenue increased by £6.7m to £42.4m, with organic revenue up 4% and adjusted EBITDA margin at 26.4%.
Adjusted EPS grew 14% to 5.7p per share; interim dividend increased 8.3% to 1.3p per share.
Cash flow conversion was strong at 124%, with closing cash of £8.4m and free cash flow of £8.8m.
Net debt at £30.1m, with net debt to EBITDA ratio at 1.3x and over £40m headroom in the credit facility.
Outlook and guidance
Positioned for further organic growth and margin enhancement through scalable platforms and market drivers.
Well-funded for future acquisitions, supported by an expanded revolving credit facility of £120m.
Focus on growing products per customer and customers per product.
Confident in delivering full-year expectations, with a robust platform for long-term value creation.
Quantify dilutive effect of acquisitions on Services EBITDA margin.
Explain methodology for goodwill reallocation post-restructure.
Detail strategic role of Plannr Technologies in Fintel's future.
Impact of new divisional structure on costs?
Assess the value accretion of recent acquisitions.
Explain margin differences between divisions.
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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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