Fintel (LSE:FNTL) Moat Score: 0/10 (As of Jul. 09, 2026)


LSE:FNTL Fintel PLC LSE:FNTL
65 GF Score
Price £1.88
GF Value £2.78
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Fintel Moat Score?

Fintel has the Moat Score of 0, which implies that the company might have No Moat - No discernible moat.

Fintel has

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Fintel might have No Moat - No discernible moat.

Fintel  (LSE:FNTL) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Fintel Moat Score Related Terms

LSE:FNTL
65GF Score
Fintel PLC LSE:FNTL
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Is Fintel (LSE:FNTL) Overvalued in 2026?

Based on GuruFocus' analysis, Fintel stock appears to be undervalued. The current stock price of £1.88 is trading 32.6% below its estimated GF Value™ of £2.78. GuruFocus considers Fintel to be Significantly Undervalued.

Key valuation signals for LSE:FNTL:

  • Moat Score: 0
  • GF Value™: £2.78 vs. price of £1.88 (32.6% below fair value)
  • GF Score™: 65/100 with 3 warning signs

No single metric tells the full story. See the LSE:FNTL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Fintel Business Description

Other Exchanges FNTLl:UK
Address Saint Andrews Road, Fintel House, Huddersfield, GBR, HD1 6NA
Fintel PLC is engaged in UK retail financial services in the provision of financial data and intelligence embedded in digital technologies. The company's principal activity is the provision of Fintech and support services to the UK retail financial services sector. The company's segment includes Software & Data Division; Services Division and Admin and support costs. It generates maximum revenue from the Services division. Services division provides compliance and business support to FCA-regulated financial intermediaries including financial advisers, mortgage advisers and wealth managers, through a comprehensive membership model.
65GF Score

Get the complete analysis for LSE:FNTL

Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

£1.88
Price
£2.78
GF Value