Fintel (LSE:FNTL) ROCE %: 9.49% (As of Dec. 2025)

What is Fintel ROCE %?

Fintel LSE:FNTL +4.10% 66 ROCE % is 9.49% as of Dec. 2025. 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.

ROCE % measures how well a company generates profits from its capital. It is calculated as EBIT divided by Capital Employed, where Capital Employed is calculated as Total Assets minus Total Current Liabilities. Fintel's annualized ROCE % for the quarter that ended in Dec. 2025 was 9.49%.

Fintel (LSE:FNTL) ROCE % Explanation

ROCE % can be especially useful when comparing the performance of capital-intensive companies. Unlike ROE %, which indicates the profitability of Shareholders Equity, ROCE % also considers long-term debt in Capital Employed. This can be helpful when analyzing companies with significant debt, as the result is neutralized by taking debt into consideration.

Generally speaking, a higher ROCE % indicates a stonger profitability for a company. Moreover, it is important to look at the ratio from a long term perspective. Investors tend to favor companies with stable and rising ROCE % trend over those with volatile ones.

Fintel ROCE % Related Terms

Fintel ROCE % Historical Data

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The historical data trend for Fintel's ROCE % 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 ROCE % Chart

Fintel Annual Data

Trend

Dec16

Dec17

Dec18

Dec19

Dec20

Dec21

Dec22

Dec23

Dec24

Dec25

ROCE %

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18.87

12.25

9.01

7.26

8.35

Fintel Semi-Annual Data
	Dec15	Dec16	Dec17	Jun18	Dec18	Jun19	Dec19	Jun20	Dec20	Jun21	Dec21	Jun22	Dec22	Jun23	Dec23	Jun24	Dec24	Jun25	Dec25
ROCE %	Get a 7-Day Free Trial														9.66	6.57	8.45	7.05	9.49

66GF Score

Fintel PLC LSE:FNTL

ROCE % is just one metric. See GF Score™, valuation, warning signs, and more.

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Fintel ROCE % Calculation

Fintel's annualized ROCE % for the fiscal year that ended in Dec. 2025 is calculated as:

ROCE %	=	EBIT	/	( (Capital Employed	+	Capital Employed)	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(A: Dec. 2025 )		(A: Dec. 2024 )		(A: Dec. 2025 )
	=	12.7	/	( ( (169.1 - 27.6)	+	(190.1 - 27.3) )	/ 2 )
	=	12.7	/	( (141.5	+	162.8)	/ 2 )
	=	12.7	/	152.15
	=	8.35 %

Fintel's ROCE % of for the quarter that ended in Dec. 2025 is calculated as:

ROCE %	=	EBIT ⁽¹⁾	/	( (Capital Employed	+	Capital Employed)	/ count )
		(Q: Dec. 2025 )		(Q: Jun. 2025 )		(Q: Dec. 2025 )
	=	EBIT	/	( ( (Total Assets - Total Current Liabilities)	+	(Total Assets - Total Current Liabilities) )	/ count )
		(Q: Dec. 2025 )		(Q: Jun. 2025 )		(Q: Dec. 2025 )
	=	15	/	( ( (182.1 - 28.7)	+	(190.1 - 27.3) )	/ 2 )
	=	15	/	( ( 153.4	+	162.8 )	/ 2 )
	=	15	/	158.1
	=	9.49 %

(1) Note: The EBIT data used here is two times the semi-annual (Dec. 2025) EBIT data.

Frequently Asked Questions Learn more about ROCE % →

What does a ROCE % of 9.49% mean?

Fintel (LSE:FNTL) has a ROCE % of 9.49% as of Dec. 2025.

Is Fintel's ROCE % too high?

Fintel's current ROCE % is 9.49%. The Business Services industry median ROCE % is 8.88. Fintel's value of 9.49% is 6.9% above this industry median. 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 ROCE % compare to VRSK and EFX?

Fintel's ROCE % of 9.49% can be compared against companies in the Business Services industry. The industry median ROCE % is 8.88. Fintel's value of 9.49% is 6.9% above this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.

What is a good ROCE % for a Business Services company?

The median ROCE % among Business Services companies is 8.88, based on 1,070 companies in the industry. Companies in the top quartile (top 25%) have a ROCE % significantly above this median, while those in the bottom quartile fall well below. However, ROCE % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Fintel's current ROCE % of 9.49% is 6.9% 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 ROCE % mean?

A high ROCE % can signal that a stock is expensive relative to its fundamentals. For the Business Services industry, the median ROCE % is 8.88 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fintel's current ROCE % is 9.49%. 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 ROCE % is 9.49% and 6.9% above the Business Services industry median of 8.88. 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 ROCE % calculated?

ROCE % is calculated from a company's financial statements. For Fintel (LSE:FNTL), the current ROCE % is 9.49% 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:

ROCE %: 9.49%
GF Value™: £2.78 vs. price of £1.65 (40.6% below fair value)
GF Score™: 66/100 with 3 warning signs
Industry Position: 6.9% above the Business Services median

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

Industry Industrials Business Services

Comparable Companies LSE:BTG LSE:SAG LSE:YOU LSE:PPHC LSE:GTLY LSE:ELIX LSE:MANO LSE:DIAL LSE:RCFX LSE:DATA LSE:EXPN VRSK XSWX:SGSN EFX XPAR:BVI BAH ASX:ALQ TSE:6532 XSWX:DKSH FCN

Other Exchanges FNTLl:UK

Address Saint Andrews Road, Fintel House, Huddersfield, GBR, HD1 6NA

Website https://www.wearefintel.com

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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£1.65

Price

£2.78

GF Value

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