Full Year 2025 Fintel PLC Earnings Call Transcript
Key Points
- Fintel PLC (LSE:FNTL) reported a 17% increase in earnings for 2025, demonstrating strong financial performance.
- The company successfully transitioned from three operating segments to two distinct divisions, enhancing clarity and operational efficiency.
- Recurring revenues are a significant part of the business model, with GBP50 million coming from software, data products, and professional services.
- Fintel PLC achieved a 30% EBITDA margin and 102% cash flow conversion, indicating robust profitability and cash management.
- The integration of nine acquisitions has been completed, positioning the company for increased organic growth in 2026 and beyond.
- Despite the positive financial performance, the adjusted EPS growth was modest at 4%, which may not meet all investor expectations.
- The company has a net debt to EBITDA ratio of 1.2x, which, while manageable, indicates a level of leverage that requires careful monitoring.
- Central PLC costs, although reduced, still represent a significant expense at GBP4.2 million.
- The transition to two divisions and integration of acquisitions may have involved significant restructuring costs and operational challenges.
- The company's growth strategy heavily relies on acquisitions, which can be risky and may not always yield the expected synergies.
Good morning, everyone. Hello, and welcome to the Fintel 2025 full-year results presentation. I'm Matt Timmins, CEO of Fintel; and I'm delighted today to be joined by David Thompson, CFO of Fintel.
2025 has really been a seminal year for Fintel. We delivered strong trading with earnings up 17%, and in addition, we have simplified and streamlined the structure of the business, moving from 3 operating segments to 2 clear distinct divisions, giving us clarity and conviction going forward into 2026. We've continued to invest in our own proprietary data and software services and technology platforms, including Matrix 360, which is now up to over 23 new clients and GBP1 million of ARR delivered through Matrix 360 in the year.
For those of you who are less familiar with Fintel, we operate in the UK retail financial services segment, providing software and data and services to this important market. We have two divisions, and they have distinct and complementary capabilities. We provide software and data into the
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