REG - Fintel PLC - Trading Update, Notice of Results and CME

FintelAnnouncement

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RNS Number : 3998R  Fintel PLC  03 February 2026

[3 February 2026]

Fintel plc

("Fintel", the "Company", the "Business" or the "Group")

Year End Trading Update

Notice of Full Year Results and Capital Markets Event

Transformational year underpinned by our new simplified operating structure

 

Fintel (AIM: FNTL), a leading provider of fintech and support services to the
UK retail financial services sector, today announces a trading update for the
year ended 31 December 2025, its notice of full year results and confirmation
of its Capital Markets Event on 23 April 2026.

 

Financial highlights

·      Significant strategic progress with full year results in line
with Board expectations with adjusted EBITDA slightly ahead of market
expectations

·      Revenue increased c.10% to £85.9m (FY24: £78.3m)

o  Organic revenue growth was £0.6m, and Inorganic revenue growth was £7.0m
reflecting timing of acquisitions in the prior year.

·      SaaS & Subscription revenue up c.10% to £48.7m (FY24:
£44.1m), representing 57% of all revenue

·      Adjusted EBITDA1 growth of c.17% to £25.9m (FY24: £22.2m),
following investment to expand products, services and capabilities

·      Strong balance sheet with £17.3m of cash, and £72.5m of
headroom in our £120m Revolving Credit Facility, enabling further investment
in organic and acquisition initiatives

·      Net debt position of £31.1m(2) (FY24: £25.3m), representing
comfortable leverage of 1.2x (FY24: 1.1x), following acquisitions and
additional investment into new divisional operating structure during the year

 

Strategic and operational highlights

·      Successful implementation of new simplified operating structure
into two divisions ("Software & Data" and "Services"), accelerating the
Group's transition to a software, data and recurring revenue model, and
embedding our technology-driven platform

·      Investment in technology and data propositions including:

o  release of market intelligence software, Defaqto Matrix360, with 23
institutional customers onboarded, along with continued investment in AI,
customer experience and data set

o  development of digital compliance solutions ready to deploy across
significant membership base

·      Launch of whole of market distribution platform (''Omnicore'')
including Protection and Mortgage panel

·      Continued focus on M&A integrations, synergy realisation and
improved operational leverage:

o  Integration of acquired portfolio into distinct product lines within the
Software & Data division, supported by a unified product and sales team
structure, and a single customer data view to accelerate cross sell and
upsell, thereby increasing the organic growth opportunity.

 

Outlook

Fintel enters 2026 in a strong position, with a simplified structure,
significant customer base and a recurring‑revenue model providing a solid
foundation for organic growth.

The acquisition of Pearson Ham's Market Pricing Business in January 2026
further strengthens the Software & Data division and is expected to be
earnings accretive in FY26.

Both divisions are well positioned to benefit from the rising demand for
technology, data and regulatory support across the most dynamic segments of
the UK Retail Financial Services market, and the Board remains confident in
delivering further progress during 2026.

 

Matt Timmins, CEO of Fintel plc, said:

"2025 has been a transformational year for Fintel, underpinned by our new
simplified operating structure. This has reshaped the business with focus and
ambition, whilst strengthening our position as a technology‑driven platform
for the UK retail financial services market. With market‑leading technology
and data solutions targeting a significant customer base, and a resilient,
cash‑generative model with a strong balance sheet to fund investment, we
enter 2026 strongly positioned to seize the significant growth opportunities
ahead."

 

Notice of Full Year Results and Capital Markets Event

Fintel intends to announce its Full Year Results for the year ended 31
December 2025 on 17 March 2026.

The Group also intends to host a capital markets event on the 23 April 2026,
details of which will be announced in due course. If you would like to
register your interest for the event, please email fintel@mhpgroup.com.

 

Footnote

(1)Adjusted EBITDA earnings before interest, tax, depreciation, amortisation,
share option charges and exceptional operating costs.

(2) Net debt includes IFRS 16 lease liabilities and is presented net of
prepaid arrangement fees. The prior‑period figure has been restated to align
with this definition, having previously reflected bank debt only.

For further information, please contact:

 Fintel plc                                 via MHP Group

 Matt Timmins (Chief Executive Officer)

 David Thompson (Chief Financial Officer)
 Zeus (Nominated Adviser and Joint Broker)  +44 (0) 20 3829 5000

 Martin Green

 Dan Bate
 Peel Hunt (Joint Broker)                   +44 (0) 20 7418 8900

 Neil Patel

 Benjamin Cryer

 Kate Bannatyne

 Alice Lane
 MHP Group (Financial PR)                   +44 (0) 7540 154 361

 Reg Hoare                                  Fintel@mhpgroup.com (mailto:Fintel@mhpgroup.com)

 Veronica Farah

 Lexi Iles

 Ally Bayne

Notes to Editors

Fintel is a UK fintech and support services business, combining
award-winning intermediary business support services, and leading research,
ratings and fintech businesses.

Fintel provides technology, compliance and regulatory support to thousands of
intermediary firms, data and targeted distribution services to hundreds of
product providers and empowers millions of consumers to make better informed
financial decisions.

Through its two divisions, Software & Data and Services, and portfolio of
trusted brands including Defaqto, Simplybiz and threesixty, Fintel provides
technology and expert support services to thousands of intermediary
businesses, data and distribution services to hundreds of financial
institutions, and expert product ratings that empower millions of consumers to
make better informed financial decisions.

For more information about Fintel, please visit the
website: www.wearefintel.com
(https://protect.checkpoint.com/v2/r06/___http:/www.wearefintel.com/___.ZXV3MjpuZXh0MTU6YzpvOjM5NWVhNGE0NmUxZTgwNjY1NjQzNGY1NGMwMTcxNWJiOjc6MzQ5YTo4N2YwMDdmNmRiZWVjZGQyOTM1MWZkMDA0NmNkMmE2NWYxOGQ5MDZhOTY5NzdmMzMxMTFjMmJmY2MyODllOWJiOnA6VDpU)

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