Fintel (LSE:FNTL) OCF Margin %: 16.32% (As of Dec. 2025) — 20% Below Median


LSE:FNTL Fintel PLC LSE:FNTL
66 GF Score
Price £1.65
GF Value £2.78
Valuation Significantly Undervalued
! 3 Warning Signs
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What is Fintel OCF Margin %?

Fintel LSE:FNTL +4.10% 66 OCF Margin % is 16.32% as of Dec. 2025, which is 20% below its 10-year median of 20.34. GuruFocus rates LSE:FNTL with a GF Score™ of 66/100 and a GF Value™ of £2.78 (Significantly Undervalued). The stock has 3 warning signs investors should review. Among 1,070 Business Services companies, Fintel ranks better than 81.59% on this metric.

OCF Margin % is calculated as Cash Flow from Operations divided by its Revenue. Fintel's Cash Flow from Operations for the six months ended in Dec. 2025 was £7.10 Mil. Fintel's Revenue for the six months ended in Dec. 2025 was £43.50 Mil. Therefore, Fintel's OCF Margin % for the quarter that ended in Dec. 2025 was 16.32%.

As of today, Fintel's current OCF Yield % is 10.70%.

The historical rank and industry rank for Fintel's OCF Margin % or its related term are showing as below:

LSE:FNTL' s OCF Margin % Range Over the Past 10 Years
Min: 7.92   Med: 20.34   Max: 27.38
Current: 21.42


During the past 11 years, the highest OCF Margin % of Fintel was 27.38%. The lowest was 7.92%. And the median was 20.34%.

LSE:FNTL's OCF Margin % is ranked better than
81.59% of 1070 companies
in the Business Services industry
Industry Median: 7.075 vs LSE:FNTL: 21.42


Fintel OCF Margin % Related Terms


Fintel OCF Margin % Historical Data

* Premium members only.

The historical data trend for Fintel's OCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Fintel OCF Margin % Chart

Fintel Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
OCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only 26.76 23.46 19.26 7.92 21.42

Fintel Semi-Annual Data
Dec15 Dec16 Dec17 Jun18 Dec18 Jun19 Dec19 Jun20 Dec20 Jun21 Dec21 Jun22 Dec22 Jun23 Dec23 Jun24 Dec24 Jun25 Dec25
OCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 19.28 21.29 -3.29 26.65 16.32

LSE:FNTL vs VRSK, EFX, BAH: OCF Margin % Comparison

For the Consulting Services subindustry, Fintel's OCF Margin %, along with its competitors' market caps and OCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Fintel OCF Margin % vs Business Services Industry

For the Business Services industry and Industrials sector, Fintel's OCF Margin % distribution charts can be found below:

* The bar in red indicates where Fintel's OCF Margin % falls into.


LSE:FNTL
66GF Score
Fintel PLC LSE:FNTL
OCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
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Fintel OCF Margin % Calculation

OCF Margin % is the ratio of Cash Flow from Operations divided by net sales or Revenue, usually presented in percent.

Fintel's OCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=18.4/85.9
=21.42 %

Fintel's OCF Margin for the quarter that ended in Dec. 2025 is calculated as

OCF Margin=Cash Flow from Operations (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=7.1/43.5
=16.32 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about OCF Margin % →
What does a OCF Margin % of 16.32% mean?
Fintel (LSE:FNTL) has a OCF Margin % of 16.32% as of Dec. 2025. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Fintel and its competitors. This is 20% below median its historical median of 20.34. Over the past decade, Fintel's OCF Margin % has ranged from 7.92 to 27.38. According to the industry distribution chart, Fintel ranks #197 out of 1070 companies in the Business Services industry, placing it in the top 18.4%.
Is Fintel's OCF Margin % too high?
Fintel's current OCF Margin % of 16.32% is 20% below median its 10-year median of 20.34. Over the past 10 years, this metric has ranged from a low of 7.92 to a high of 27.38. The Business Services industry median OCF Margin % is 7.08. Fintel's value of 16.32% is 130.7% above this industry median. Based on the distribution chart, Fintel ranks #197 out of 1070 companies in the Business Services industry, which is in the top quartile — a strong position relative to peers. Overall, Fintel has a GF Score™ of 66/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Fintel's OCF Margin % compare to VRSK and EFX?
According to the Business Services industry distribution chart, Fintel ranks #197 out of 1070 companies for OCF Margin %. This places Fintel in the top 18% of its industry — outperforming the majority of peers. The industry median OCF Margin % is 7.08. Fintel's value of 16.32% is 130.7% above this benchmark. Historically, Fintel's own OCF Margin % has ranged from 7.92 to 27.38 over the past decade. While the company's 10-year median is 20.34 vs. the industry median of 7.08, Fintel has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Margin % for a Business Services company?
The median OCF Margin % among Business Services companies is 7.08, based on 1,070 companies in the industry. Companies in the top quartile (top 25%) have a OCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, OCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fintel's current OCF Margin % of 16.32% is 130.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high OCF Margin % mean?
A high OCF Margin % can signal that a stock is expensive relative to its fundamentals. OCF Margin is the ratio of Cash Flow from Operations to Total Revenue. View historical data on Fintel and its competitors. For the Business Services industry, the median OCF Margin % is 7.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fintel's current OCF Margin % is 16.32%, which is 20% below median its own 10-year median of 20.34. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fintel stock overvalued right now?
Based on GuruFocus' analysis, Fintel (LSE:FNTL) is currently considered Significantly Undervalued. The stock's GF Value™ is £2.78, compared to a current price of £1.65 — trading 40.6% below its estimated fair value. The current OCF Margin % is 16.32%, which is 20% below median its 10-year median of 20.34 and 130.7% above the Business Services industry median of 7.08. Fintel's overall GF Score™ is 66/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is OCF Margin % calculated?
OCF Margin % is calculated from a company's financial statements. For Fintel (LSE:FNTL), the current OCF Margin % is 16.32% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Fintel (LSE:FNTL) Overvalued in 2026?

Based on GuruFocus' analysis, Fintel stock appears to be undervalued. The current stock price of £1.65 is trading 40.6% below its estimated GF Value™ of £2.78. GuruFocus considers Fintel to be Significantly Undervalued.

Key valuation signals for LSE:FNTL:

  • OCF Margin %: 16.32% (20% below median its 10-year median of 20.34)
  • GF Value™: £2.78 vs. price of £1.65 (40.6% below fair value)
  • GF Score™: 66/100 with 3 warning signs
  • Industry Position: 130.7% above the Business Services median (#197 of 1070)

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.
66GF Score

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

£1.65
Price
£2.78
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