**Summary of Fintel PLCs Full Year Results for 2025**
Fintel PLC, a leading provider of fintech and support services to the UK retail financial services sector, reported strong financial performance and strategic progress for the year ended 31 December 2025. Key highlights include
### **Financial Performance**
**Revenue Growth**Revenue increased by 10% to £85.9 million (FY24: £78.3 million), supported by £7.0 million in inorganic growth from acquisitions.
**SaaS & Subscription Revenue**Grew by 9.6% to £48.7 million, representing 57% of total revenues, highlighting the strength of recurring revenue streams.
**Adjusted EBITDA**Increased by 16.6% to £25.9 million, driven by successful acquisitions and new proposition launches.
**EBITDA Margin**Improved to 30.1% (FY24: 28.3%), with acquired businesses contributing more as integration progressed.
**Adjusted EPS**Rose to 13.7 pence per share (FY24: 13.2 pence per share).
**Net Debt**Increased to £31.1 million (FY24: £25.3 million) due to strategic investments, with a comfortable leverage ratio of 1.2x.
**Dividend**Proposed final dividend of 2.5 pence per share, resulting in a full-year dividend of 3.8 pence per share, a 4.1% increase.
### **Strategic and Operational Highlights**
**Organisational Transformation**Consolidated from three divisions into two (Fintel Services and Fintel Software & Data) with new leadership appointments.
**Operational Leverage**Integrated acquired businesses into unified product lines, enhanced scalability, and improved cross-selling opportunities through a single CRM view.
**Technology and Platform Investment**Accelerated development of digital and AI-enabled compliance tools, scaled the Matrix360 market intelligence platform, and launched the Omnicore whole-of-market distribution platform.
**Data Advantage**Strengthened through acquisitions like Rayner Spencer Mills Research (RSMR) and increased stake in Plannr Technologies, enhancing proprietary data capabilities.
**Acquisitions**Completed the acquisition of RSMR for £6.4 million and Pearson Ham Groups market pricing data business in January 2026 for £11.0 million.
### **Current Trading and Outlook**
**Strong Start to FY26**Trading in line with Board expectations, supported by high recurring revenues and a simplified operating structure.
**Growth Drivers**Increasing demand for technology, data, and regulatory support in the UK retail financial services sector
further integration of technology and services
strengthened balance sheet for organic growth and acquisitions.
**Acquisition Impact**Pearson Ham Groups acquisition enhances pricing intelligence and is expected to be earnings accretive in its first full year.
### **Leadership and Governance**
**CEO Transition**Matt Timmins assumed sole responsibility as CEO, with Neil Stevens stepping down in June 2025.
**Board Strengthening**Appointed Ian Pickford as Independent Non-Executive Director and Chair of Remuneration and Nomination Committees.
### **Conclusion**
Fintel PLC demonstrated resilience and strategic focus in 2025, achieving strong financial results and advancing its position as a key player in the UK retail financial services sector. With a simplified structure, robust recurring revenues, and a clear strategic direction, the company is well-positioned for continued growth and value creation in 2026.
| Metric | 2024 | 2025 | Change |
|---|---|---|---|
| Revenue | £78.3m | £85.9m | +10% |
| SaaS & Subscription Revenue | £44.4m | £48.7m | +9.6% |
| Adjusted EBITDA | £22.2m | £25.9m | +16.6% |
| EBITDA Margin | 28.3% | 30.1% | +180 bps |
| Net Debt | £25.3m | £31.1m | +22.9% |
| Cash Balance | £6.3m | £17.3m | +175% |
| Dividend per Share | 3.65p | 3.80p | +4.1% |