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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
Achieved 18.6% revenue growth to £42.4m and 17% adjusted EBITDA growth to £11.2m in H1 2025, integrating nine acquisitions and transitioning to a two-division structure: Software & Data and Services.
Strategic transformation completed, consolidating from three to two divisions, with all acquisitions fully integrated and leadership appointed for each division.
SaaS and subscription revenue grew 21% to £24.2m, now representing 57% of group revenue, with recurring revenue a key strength.
Transitioned to a platform business model focused on software, data, and services, enhancing recurring revenue streams and operational synergies.
Performance remains in line with full-year expectations, with continued growth in revenue visibility and profitability.
Financial highlights
Group revenues increased by £6.7m to £42.4m year-over-year, with organic revenue up 4%.
Adjusted EBITDA rose 17% to £11.2m, with margin steady at 26.4%.
Adjusted EPS grew 14% to 5.7p per share; interim dividend increased by 8.3% to 1.3p per share.
Net debt at £30.1m, with net debt-to-EBITDA ratio of 1.3x and cash position of £8.4m.
Strong cash conversion at 124% and free cash flow of £8.8m.
Outlook and guidance
Positioned for further organic growth and margin enhancement through investment in both divisions and leveraging integrated platform capabilities.
Enhanced revolving credit facility to £120m provides flexibility for future acquisitions and robust liquidity.
Focus on growing products per customer and customers per product, with a strong M&A pipeline in a fragmented technology market.
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.
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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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