Fintel (FNTL) H2 2025 earnings summary

Executive summary

• Achieved strong trading in 2025 with earnings up 17% and revenue up 9.6% year-over-year, reaching GBP 85.9 million, driven by strategic transformation and targeted investments in technology and data platforms.

• Streamlined business from three segments to two divisions: Software & Data and Professional Services, embedding a new operating structure.

• Integrated nine acquisitions, unified technology and sales platforms, and embedded a new operating structure, including the launch of digital and AI-enabled compliance tools.

• Invested in proprietary data, software services, and technology platforms, notably Matrix 360 and Omnicore.

• Positioned for accelerated organic growth in 2026, supported by a scalable technology and services platform and high recurring income.

Financial highlights

• Revenue reached GBP 85.9 million, up 9.6% year-over-year.

• Adjusted EBITDA rose 17% to GBP 25.9 million, with margin improving 180 bps to over 30%.

• Earnings per share increased 3.8% to GBP 0.137; recommended dividend of GBP 0.038, up 4.1%.

• Recurring revenues from SaaS and subscriptions totaled GBP 48.8 million, 57% of group revenue.

• Cash conversion at 102%; closing cash balance of GBP 17.3 million.

Outlook and guidance

• Clear strategy to accelerate organic growth from 2026, leveraging unified platforms and expanded service offerings.

• Plans to expand Defaqto product ratings, Matrix 360 into banking and asset management, and Omnicore to the wider market.

• Continued investment in AI, digital compliance tools, and product development to enhance service delivery.