Fintel PLC (FNTL) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Fintel PLC £2.07, price £1.86, upside +11.2%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.
How to read this chart
60‑month range £1.55 – £3.14 · fair‑value band £1.55 – £2.65 · the £1.86 price screens below the £2.07 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Fintel Plc engages in the provision of fintech and support services to the retail financial services sector in the United Kingdom. It operates through two segments, Software & Data and Services.
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Fintel Plc engages in the provision of fintech and support services to the retail financial services sector in the United Kingdom. It operates through two segments, Software & Data and Services. The Software & Data segment provides intermediary software, financial product and market data, and product research and ratings; as well as marketing, sponsorships, and consultancy to financial institutions. The Services segment provides regulatory and business support and integrated financial technology; manage distribution and market research and insight; and residential surveys and professional valuation services. It also provides mortgage club facilities; asset and group management vehicles; trade association; business services training; bookkeeping activities; financial services and research; ready-made software development; independent adviser planning and research software; due diligence; conference organizers; compliance and investment planning tool provider; independent investment research; legal, property survey agency, management, financial product comparison software; and activities auxiliary to finance intermediation. The company was formerly known as The SimplyBiz Group plc and changed its name to Fintel Plc in March 2021. The company was founded in 2002 and is based in Huddersfield, the United Kingdom.
Stock analysis
Fintel PLC (FNTL) currently trades at £1.86, while our model-based Fair Value estimate is £2.07, implying the stock looks roughly 10.1% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of £1.52 per share, and 4 of the 26 models we run sit above the £1.86 price.
Bear case: the Dividend Discount group reads lowest at £0.4100, and 22 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: £1.55 (bear) to £2.65 (bull), the price of £1.86 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Industrials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Fintel PLC reported revenue of £85.9M in FY2025 versus £63.9M in FY2021, a compound +7.7%/yr. Reported net income was £6.3M in FY2025, compounding −20.0%/yr from FY2021.
Key figures
Market cap 194M GBX · P/E ratio 31.0 · P/S ratio 2.27 · EPS (TTM) £0.0600 · Dividend yield 2.0% · Net margin 7.3% · Return on equity 6.4% · Return on assets (EBIT) 9.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 30% below its 52-week high and 19% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at 0% fair-value upside, at 11%, FNTL screens cheaper than that median.
Fair Value models
Bear £1.55Fair Value £2.07Bull £2.65
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (£0.0162 per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target.Evidence ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.74/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+9.7%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.9%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+7.1%
Start year 2020 (pandemic). Over 10 years: +8.4% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.4%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
−5.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year−7.6%
Dividend (yield on the price)2.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−8% vs 1%, slowing
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.19% → 21%
Start year 2020 (pandemic)
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+9.2%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about +6.7% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Consulting Services · 86 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score63 · Above median
Fair Value upside+10% · Above median
Profitability
Return on equity (TTM)6% · Below median
Return on assets6% · Above median
Net margin (TTM)7% · Above median
Operating margin (TTM)23% · Top 25%
Growth and dividend
Revenue growth2% · Above median
Dividend yield (TTM)2.0% · Below median
Balance sheet
Debt / equity0.45× · Above median
Valuation Multiplesvs Consulting Services median · lower = cheaper
P/E (TTM)31.0× · Priciest 25%
P/B2.48× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Fintel PLC Fair Value". https://www.fairvalue-calculator.com/stock/FNTL
Frequently asked questions
Is Fintel PLC (FNTL) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of £2.07 versus a price of £1.86, about +11% upside (undervalued).
What is the fair value of FNTL?
Our model-based fair value for Fintel PLC is £2.07 (as of Sep 23, 2026), built from audited fundamentals. The current price: £1.86.
What is the quality score of FNTL?
Fintel PLC has a Quality Score of 63/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Fintel PLC (FNTL)?
Our model-based price target is the fair value of £2.07 (as of Sep 23, 2026) from 26 valuation models. Cautious scenario £1.55, optimistic scenario £2.65. It is a calculation from audited fundamentals, not an analyst target.
What is the Fintel PLC stock forecast for 2026?
Our models put fair value at £2.07, about +11% upside versus a price of £1.86 (undervalued). Cautious scenario £1.55, optimistic scenario £2.65. The calculation is refreshed regularly with new filings.
What is the revenue of Fintel PLC (FNTL)?
Fintel PLC reported trailing-twelve-month revenue of about £85.9M (latest available figure, as of Sep 23, 2026).
Does Fintel PLC pay a dividend?
Fintel PLC currently shows a dividend yield of about 2.04% relative to its recent price (as of Sep 23, 2026).
What growth is priced into Fintel PLC (FNTL)?
For today's price to be fair in a discounted-cash-flow model, Fintel PLC would have to grow free cash flow by +9.2 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.1 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of FNTL use?
Our models discount Fintel PLC at 12.0 %: a base by market capitalisation (micro), damped by beta 0.60, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Fintel PLC that is +9.2 % per year a year over ten years, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has Fintel PLC (FNTL) delivered so far?
Over the past 5 years revenue at Fintel PLC grew +7.1 % a year. The price currently implies +9.2 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Fintel PLC (FNTL) growing?
The median revenue growth in the sector is +4.6 % a year. That is the yardstick for the growth priced into Fintel PLC (+9.2 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Fintel PLC (FNTL)?
The free-cash-flow yield on the price is 7.74 %: that much free cash flow Fintel PLC produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Fintel PLC (FNTL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fintel PLC it is £2.07 per share (as of Sep 23, 2026), against a price of £1.86. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Fintel PLC stock overvalued or undervalued in 2026?
As of Sep 23, 2026, FNTL trades below its calculated fair value: price £1.86, fair value £2.07, a gap of about +11% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of FNTL?
No. The price is what the market pays today (£1.86); the fair value is what the company's own numbers justify (£2.07). For Fintel PLC the two are £0.2080 per share apart. That gap is exactly why we show both numbers side by side.
How much is Fintel PLC worth?
The market values Fintel PLC at about 194M GBX (market capitalisation, as of Sep 23, 2026). Per share that is £1.86; our models calculate a fair value of £2.07 per share.
What do the bullish and bearish scenarios say about FNTL?
Our models span a range for Fintel PLC: cautious scenario £1.55, base £2.07, optimistic £2.65 per share (as of Sep 23, 2026, price £1.86). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FNTL?
Fintel PLC trades at a price-to-earnings ratio of 31.0 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £2.07 is built from several models across several years. Other multiples: P/B 2.5, P/S 3.0, EV/EBITDA 13.0.
How solid is the balance sheet of Fintel PLC (FNTL)?
Balance-sheet figures for Fintel PLC (as of Sep 23, 2026): return on equity 6.4%, debt of 0.45 per unit of equity. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is FNTL from its 52-week high?
Fintel PLC trades at £1.86, about 30% below its 52-week high of £2.67 and 19% above the low of £1.56 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of £2.07 is for.
Which stocks are comparable to Fintel PLC?
From the same area (Industrials) we also value Verisk Analytics, Inc, SGS SA, Equifax Inc, Bureau Veritas SA, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Fintel PLC stock attractive at the current price?
The data as of Sep 23, 2026: price £1.86, calculated fair value £2.07 (+11%), Quality Score 63/100, from 26 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of FNTL calculated?
We run Fintel PLC through 26 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £2.07, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0 % above its aggregate fair value. Fintel PLC currently trades 11 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Fintel PLC (FNTL)?
The closing price on Sep 24, 2026 was £1.86. Our model-based fair value is £2.07, about +11% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fintel PLC right now?
The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Key figures of Fintel PLC
How large is the market capitalisation of Fintel PLC (FNTL)?
The market capitalisation of Fintel PLC is 194M GBX. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Fintel PLC (FNTL)?
The price-to-sales ratio of Fintel PLC is 2.27 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Fintel PLC (FNTL)?
Earnings per share at Fintel PLC are £0.0600 (price ÷ EPS = P/E 31.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Fintel PLC (FNTL)?
The dividend yield of Fintel PLC is 2.0% (payout 63.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Fintel PLC (FNTL)?
The net margin of Fintel PLC is 7.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Fintel PLC (FNTL)?
The return on equity (ROE) of Fintel PLC is 6.4% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Fintel PLC (FNTL)?
On an EBIT basis the return on assets of Fintel PLC is 9.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Fintel PLC (FNTL)?
The operating margin of Fintel PLC is 23.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fintel PLC (FNTL)?
Revenue at Fintel PLC is growing +2.1% versus a year earlier (3y avg +8.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Fintel PLC (FNTL)?
Earnings per share at Fintel PLC are growing +2.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Fintel PLC (FNTL) carry?
The net debt of Fintel PLC is 31.3M GBX (fiscal year 2025, ≈ 2.1 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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