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Market Closed -
London S.E.
11:35:21 2026-09-25 EDT
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5-day change | 1st Jan Change | ||
| 182.00 GBX | -2.15% |
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-2.67% | -12.08% |
| 09-17 | Fintel Plc, Q2 2026 Earnings Call, Sep 15, 2026 | |
| 09-15 | EARNINGS: Bow Street loss narrows; Fintel profit and sales increase | AN |
Projected Income Statement: Fintel Plc
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net sales 1 | 63.9 | 66.5 | 64.9 | 78.3 | 85.9 | 80.04 | 85.28 | 89.66 |
| Change | - | 4.07% | -2.41% | 20.65% | 9.71% | -6.82% | 6.55% | 5.13% |
| EBITDA 1 | 18.3 | 19.4 | 20.5 | 22.2 | 25.9 | 28 | 30.19 | 32.21 |
| Change | - | 6.01% | 5.67% | 8.29% | 16.67% | 8.12% | 7.82% | 6.68% |
| EBIT 1 | 14.8 | 16.3 | 16.9 | 18.7 | 21.8 | 23.31 | 25.69 | 27.12 |
| Change | - | 10.14% | 3.68% | 10.65% | 16.58% | 6.94% | 10.22% | 5.55% |
| Interest Paid 1 | -0.7 | -0.4 | -0.8 | -2 | -2.5 | -2.3 | -1.7 | -1.7 |
| Earnings before Tax (EBT) 1 | 19.9 | 12.4 | 9.6 | 7.7 | 9.8 | 14.5 | 19.3 | 20.7 |
| Change | - | -37.69% | -22.58% | -19.79% | 27.27% | 47.96% | 33.1% | 7.25% |
| Net income 1 | 15.4 | 9.8 | 7.1 | 5.9 | 6.3 | 8.2 | 14.1 | 15.1 |
| Change | - | -36.36% | -27.55% | -16.9% | 6.78% | 30.16% | 71.95% | 7.09% |
| Announcement Date | 3/22/22 | 3/21/23 | 3/19/24 | 3/18/25 | 3/17/26 | - | - | - |
Forecast Balance Sheet: Fintel Plc
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| Net Debt 1 | 1 | -10.6 | -0.1 | 25.6 | 31.3 | 31.2 | 18.2 | 2.74 |
| Change | - | -1,160% | 99.06% | 25,700% | 22.27% | -0.32% | -41.67% | -84.95% |
| Announcement Date | 3/22/22 | 3/21/23 | 3/19/24 | 3/18/25 | 3/17/26 | - | - | - |
Cash Flow Forecast: Fintel Plc
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
| CAPEX 1 | - | - | 4.8 | 5.7 | 4.5 | 4.8 | 4.85 | 4.45 |
| Change | - | - | - | 18.75% | -21.05% | 6.67% | 1.04% | -8.25% |
| Free Cash Flow (FCF) 1 | 16.9 | 15.4 | 12.2 | 0.5 | 13.9 | 17.01 | 17.9 | 20.43 |
| Change | - | -8.88% | -20.78% | -95.9% | 2,680% | 22.36% | 5.22% | 14.18% |
| Announcement Date | 3/22/22 | 3/21/23 | 3/19/24 | 3/18/25 | 3/17/26 | - | - | - |
Forecast Financial Ratios: Fintel Plc
| Fiscal Period: December | 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | 2027 | 2028 |
|---|---|---|---|---|---|---|---|---|
Profitability | ||||||||
| EBITDA Margin (%) | 28.64% | 29.17% | 31.59% | 28.35% | 30.15% | 34.99% | 35.4% | 35.92% |
| EBIT Margin (%) | 23.16% | 24.51% | 26.04% | 23.88% | 25.38% | 29.13% | 30.13% | 30.25% |
| EBT Margin (%) | 31.14% | 18.65% | 14.79% | 9.83% | 11.41% | 18.12% | 22.63% | 23.09% |
| Net margin (%) | 24.1% | 14.74% | 10.94% | 7.54% | 7.33% | 10.25% | 16.53% | 16.84% |
| FCF margin (%) | 26.45% | 23.16% | 18.8% | 0.64% | 16.18% | 21.25% | 20.98% | 22.79% |
| FCF / Net Income (%) | 109.74% | 157.14% | 171.83% | 8.47% | 220.63% | 207.41% | 126.92% | 135.31% |
Profitability | ||||||||
| ROA | - | - | - | - | - | - | - | - |
| ROE | 18.92% | 13.58% | 12.71% | 13.41% | - | 13.2% | 12.85% | 12.55% |
Financial Health | ||||||||
| Leverage (Debt/EBITDA) | 0.05x | - | - | 1.15x | 1.21x | 1.11x | 0.6x | 0.09x |
| Debt / Free cash flow | 0.06x | - | - | 51.2x | 2.25x | 1.84x | 1.02x | 0.13x |
Capital Intensity | ||||||||
| CAPEX / Current Assets (%) | - | - | 7.4% | 7.28% | 5.24% | 6% | 5.69% | 4.96% |
| CAPEX / EBITDA (%) | - | - | 23.41% | 25.68% | 17.37% | 17.14% | 16.06% | 13.82% |
| CAPEX / FCF (%) | - | - | 39.34% | 1,140% | 32.37% | 28.22% | 27.1% | 21.78% |
Items per share | ||||||||
| Cash flow per share 1 | - | - | - | 0.0596 | 0.1766 | 0.2274 | 0.2229 | 0.2503 |
| Change | - | - | - | - | 196.31% | 28.76% | -1.98% | 12.3% |
| Dividend per Share 1 | 0.03 | 0.0325 | 0.0345 | 0.0365 | 0.038 | 0.0406 | 0.043 | 0.0445 |
| Change | - | 8.33% | 6.15% | 5.8% | 4.11% | 6.89% | 5.86% | 3.49% |
| Book Value Per Share 1 | 0.8573 | 0.941 | 0.9836 | 0.9761 | - | 1.114 | 1.202 | 1.313 |
| Change | - | 9.76% | 4.53% | -0.76% | - | - | 7.9% | 9.23% |
| EPS 1 | 0.157 | 0.095 | 0.068 | 0.057 | 0.061 | 0.079 | 0.135 | 0.1455 |
| Change | - | -39.49% | -28.42% | -16.18% | 7.02% | 29.51% | 70.89% | 7.78% |
| Nbr of stocks (in thousands) | 102,879 | 103,492 | 103,835 | 104,193 | 104,193 | 104,193 | 104,193 | 104,193 |
| Announcement Date | 3/22/22 | 3/21/23 | 3/19/24 | 3/18/25 | 3/17/26 | - | - | - |
| 2026 * | 2027 * | |
|---|---|---|
| P/E | 23x | 13.5x |
| PBR | 1.63x | 1.51x |
| EV / Sales | 2.76x | 2.44x |
| Yield | 2.23% | 2.36% |
EPS & Dividend
Y-o-Y evolution of P/E
Year-on-year evolution of the Yield
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Annual profits - Rate of surprise
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