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HY RESULTS|2026
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CONTENTS Introduction Financial overview Operational review Outlook & Summary Appendices 01 02 03 04 05 F I N T E L H Y R E S U L T S 2 0 2 62
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3 £26. 1m SAAS & SUBS REVENUE +7.9% (HY25: £24.2m) £38.6m CONTINUING REVENUE +5.3% (HY25: £36.7m) G R O W I N G B U S I N E S S W I T H S T R O N G M A R G I N S HY26 Results £12.4m ADJUSTED EBITDA +16.6% (HY25: £10.6m) 5.9p ADJUSTED EPS +15.1% (HY25: 5.1p) 32.1% EBITDA MARGIN (HY25: 28.9%) 1.35p INTERIM DIVIDEND +3.9% (HY25: £1.30p) FINTEL HY RESULTS 2026
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4 F O C U S E D U K R E T A I L F I N A N C I A L S E R V I C E S S T R A T E G Y S E R V I N G U K R E T A I L F I N A N C I A L S E R V I C E S Product Providers, Intermediaries, Consolidators & Aggregators D I S T I N C T , E X P E R T C A P A B I L I T I E S Market-leading software & technology, product research and ratings Integrated regulatory, business support and distribution solutions R E C U R R I N G R E V E N U E S SaaS & Data license revenues Membership subscription revenues S O F T W A R E & D A T A S E R V I C E S FINTEL HY RESULTS 2026
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5 KNOWLEDGE BASED PRODUCTS - KaaS SOFTWARE PRODUCTS - SaaS DATA PRODUCTS - DaaS REGULATORY KNOWLEDGE & I P 23 years 18,000 advisers PROPRIETARY PRODUCTI VI TY & WORKFLOW CAPABI LI TY 20,000+ users Market Leading PROPRIETARY PRODUCT DATA 43,000 products 100bn data points PROPRIETARY PRI CI NG DATA 7 Years data 15bn data points PROPRIETARY BUYER BEHAVI OUR DATA £60bn Advised 10,000 users PROPRIETARY MARKET TREND DATA £240bn AUA Business decisioning PROPRIETARY P R O P R I E T A R Y D A T A , C A P A B I L I T Y A N D E X P E R T I S E C O M P E T I T I V E M O A T “ AI’s true gold isn’t in the UI or model – they are both commodities. The futures fortune lies in data. Yes, data is the new gold. MARC BENIOFF CEO & Co founder, Salesforce” FINTEL HY RESULTS 2026
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6 A H I G H- Q U A L I T Y C U S T O M E R B A S E IFAs, Mortgage Brokers, Wealth Managers, Discretionary Managers, Consolidators Banks, Building Societies, Insurers, Pension Providers, Asset Managers Price Comparison Websites, Aggregators > 500 industry partners supported with market and product insight and product distribution >20,000 intermediary subscribers to service & technology platform > 30 Aggregators supported with product education and data FINTEL HY RESULTS 2026
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7 Aviva is hugely committed to supporting the UK’s intermediary market and we’re delighted to partner with Fintel. Our relationship with the Group is valued and long-standing. This agreement allows us to build, support and deliver our savings and retirement ambitions in conjunction with Fintel, its member firms and their customer. Aviva F O C U S O N A V I V A S E R V I C E S C L I E N T Investments Aviva Investment Solutions integrated into Fintel Adviser Technology Protection Aviva Protection Solutions integrated into Fintel Protection Panels Distribution Distribution-as-a-Service Partner S O F T W A R E & D A T A C L I E N T Research & Insights Licensing of Defaqto’s Investment Ratings and Reviews Market Intelligence – 2026 Customer of Matrix 360 Market intelligence platform Insurance Licensing of Defaqto’s Star Ratings for Motor, Home & Travel FINTEL HY RESULTS 2026
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CONTENTS Introduction Financial overview Operational review Outlook & Summary Appendices 01 02 03 04 05 F I N T E L H Y R E S U L T S 2 0 2 68
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F I N A N C I A L H I G H L I G H T S – R E V E N UE £36.7m £38.6m . HY25 HY26 Change Total group revenue £42.4m £42.1m (0.6%) Discontinued operations £5.7m £3.5m n/a Total revenue – continuing operations £36.7m £38.6m 5.3% Following the disposal of Gateway Surveying Services and APS Legal & Associates in April 2026, which are classified as discontinued operations, the table above reconciles reported Group revenue to revenue from continuing operations as presented in the interim financial statements. This allows ready comparison with the underlying business period on period without preparation of additional like for like metrics where possible. FINTEL HY RESULTS 20269
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Group Revenue 1 F I N A N C I A L H I G H L I G H T S – K E Y M E T R I C S Revenue growth £1.9m +5.3% £10.6m £12.4m Group EBI TDA 2 EBITDA growth £1.8m +16.6% 28.9% 32.1% GROUP EBI TDA margi n EBITDA Margin +320bps £36.7m £38.6m 1Group revenue, EBITDA and margin are presented on a continuing operations basis, excluding the results of Gateway and APS, which were disposed of during the period. Prior period comparatives have been restated on a consistent basis. 2Adjusted EBITDA is earnings before interest, tax, depreciation, amortisation, share option charges and non-underlying operating costs. FINTEL HY RESULTS 202610
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S&D £18.4m S&D £20.2m HY 25 HY 26 £36.7m £37.4m £1.2m F I N A N C I A L H I G H L I G H T S – R E V E N UE M E T R I C S Revenue growth +5.3%, to £38.6m £37.4m organic revenue +2.0%, or £0.7m £1.2m inorganic revenue Software & Data growth £1.8m, 9.6% Services growth £0.1m, 1.1% Revenue Grow th Segment revenue mi x Services £18.4mServices £18.3m FINTEL HY RESULTS 202611
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F I N A N C I A L H I G H L I G H T S – S A A S & S UB S R E V E N UE • £1.9m (7.9%) growth in SaaS/Subs revenue, representing 68% of Group revenue • Software & Data Saas/Subs revenue of £14.4m, or 72% of segment revenue • Services Saas/Subs revenue of £11.6m, or 63% of segment revenue 24.2 (0.2) 0.9 1.2 26.1 HY25 Membership attrition Organic growth Acquisitions in period HY26 22.0 22.5 23.0 23.5 24.0 24.5 25.0 25.5 26.0 26.5 27.0 FINTEL HY RESULTS 202612
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HY25 HY26 Change Organic £18.3m £18.4m 1.1% Inorganic - - n/a Total revenue £18.3m £18.4m 1.1% EBITDA1 £5.9m £6.5m 9.1% EBITDA margin2 32.7% 35.3% HY25 HY26 Change Organic £18.4m £19.0m 2.9% Inorganic - £1.2m n/a Total revenue £18.4m £20.2m 9.6% EBITDA1 £6.9m £8.5m 23.8% EBITDA margin2 37.3% 42.1% S E G M E N T A L P E R F O R M A N C E SERVICESSOFTWARE & DATA • Total continuing EBITDA generated by the business was £12.4m (HY25: £10.6m), up 16.6% • Total EBITDA gross margin of 32.1% (HY25: 28.9%) • Overall EBITDA margin accretion of c.320bps attributable to operating model efficiencies including integration 1Adjusted EBITDA is earnings before interest, tax, depreciation, amortisation, share option charges and non-underlying operating costs. 2Adjusted EBITDA margin is calculated as adjusted EBITDA as a percentage of revenue. FINTEL HY RESULTS 202613
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126% 144% CASH FLOW 2 CONVERSI ON Strong cash conversion after period of significant investment 5.1p 5.9p ADJUSTED EPS 1 Growing adjusted EPS +15.1% F I N A N C I A L H I G H L I G H T S – I N V E S T I N G F O R G R O WT H NET DEBT POSI TI ON 3 Investing for growth 1 Adjusted earnings per share is calculated as adjusted profit after tax attributable to owners of the company, which excludes non-underlying operating costs and amortisation of intangible assets arising on acquisition, divided by the average number of Ordinary Shares in issue for the period. 2 Cash flow conversion is calculated as underlying cash flow from operations (adjusted operating profit, adjusted for changes in working capital, depreciation, amortisation, CAPEX and share based payments) as a percentage of adjusted operating profit. 3 Net debt is calculated as borrowings net of cash and includes lease liabilities and prepaid bank fees, with prior periods presented on a comparable basis. (£10.0m) (£25.3m) (£31.8m) (£31.1m) (£38.2m) FY25 H Y25FY24 H Y26 H Y24 FY23 £0.3m F I N T E L H Y R E S U L T S 2 0 2 614
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15 F I N A N C I A L R E V I E W ROBUST LIQUIDITY POSITION Positive cash position of £7.3m (FY25: £17.3m), and net debt £38.2m (FY25: £31.1m) • Strategic headroom for future organic and M&A investments • Leverage remains at a comfortable 1.4x following substantial investment in acquisitions and product development • £76.5m headroom within £120m revolving credit facility (2.0) (1.5) (1.0) (0.5) 0.0 0.5 1.0 (50.0) (40.0) (30.0) (20.0) (10.0) 0.0 10.0 20.0 F Y 1 9 F Y 2 0 F Y 2 1 F Y 2 2 F Y 2 3 F Y 2 4 F Y 2 5 H Y 2 6 Ratio Net Debt (£m) NET DEBT TO EBI TDA RATI O De-leverage phase Investment phase 15 | FI NTEL HY RESULTS 2026
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17.3 17.0 0.2 0.3 34.8 (7.8) (4.9) (1.9) (1.8) (0.7) (0.3) (0.2) (2.8) (4.0) (1.4) (1.3) (0.4) 7.3 FY25 cash position Cash from operations1 Finance income Property disposal Sources of income Acquisitions Cont. consideration Devex Non-underlying costs Loan to associate Purchase of NCI Disposals Dividends paid Loan repayments Income tax paid Financing costs Lease costs HY26 cash position Cash generation (£m) 0.0 5.0 10.0 15.0 20.0 25.0 30.0 35.0 40.0 F I N A N C I A L R E V I E W Cash inflows Investment STRONG CASH GENERATION – INVESTING FOR GROWTH Positive cash of £7.3m (FY25: £17.3m) Supporting strategic investments: • Upfront cost of acquisitions in H1 (MPN), net of cash received £7.8m • Deferred and contingent consideration on previous acquisitions, £4.9m • Development expenditure £1.9m • Non-underlying cash costs of £1.8m consists of: － M&A transaction costs: £0.9m － Restructuring costs: £0.9m • Loan to investments £0.7m • Loan repayments £4.0m Shareholder return Tax & debt servicing £17.5m (£17.6m) (£7.1m) 1Operating cash flows have been adjusted to exclude non-underlying cash costs, with £1.8m added back to reflect underlying operational cash generation. (£2.8m) F I N T E L H Y R E S U L T S 2 0 2 616
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F I N A N C I A L R E V I E W 144% UNDERLYING OPERATING CASH FLOW CONVERSION 1 • Net working capital strengthened as timing differences from acquisitions reverse and normalise to underlying trading. • Continued capital investment £1.8m (HY25: £2.1m) reflecting our sustained focus on product and platform innovation, albeit reduced following launch of initial phase of Matrix 360 in 2025. 1Underlying operating cash flow conversion is calculated as underlying cash flow from operations (adjusted operating profit, adjusted for changes in working capital, depreciation, amortisation, CAPEX and share based payments) as a percentage of adjusted operating profit. INVESTMENT FOR GROWTH £2.0m £2.1m £1.8m £m HY25 HY26 Group operating profit 8.6 10.0 Depreciation and amortisation 1.6 1.9 Share based payments 0.4 0.5 Adjusted EBITDA 10.6 12.4 Net changes in working capital (underlying) 2.4 3.9 Net capitalisation (2.3) (1.9) Underlying cash flow from operations 10.8 14.4 Underlying operating cash flow conversion 1 126% 144% Adjusted EBITDA to operating cash flow conversion 102% 116% Tax (1.1) (1.4) Interest (1.2) (1.1) Lease payments (0.3) (0.4) Free Cash Flow 8.2 11.5 Cash flow conversion of adjusted EBITDA 76% 93% F I N T E L H Y R E S U L T S 2 0 2 617
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F I N A N C I A L S UM M A R Y STRONG FINANCIAL PERFORMANCE STRONG CASH GENERATION HIGH QUALITY RECURRING REVENUES PROGRESSIVE DIVIDEND POLICY DIVIDEND: 1.35p (HY25: 1.30p) STRONG FINANCIAL PERFORMANCE INCREASING MARGINS Fintel enters the second half with a more streamlined operating structure, a clearer strategic focus and an enhanced platform from which to accelerate organic growth and deliver long-term value for shareholders. F I N T E L H Y R E S U L T S 2 0 2 618
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C O N T E N T S Introduction Financial overview Operational review Outlook & Summary Appendices 01 02 03 04 05 F I N T E L H Y R E S U L T S 2 0 2 619
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20 S Y N E R G I E S I N C R E A S I N G E A R N I N G S Q U A L I T Y D E L I V E R Y • CENTRALISED TEAMS & SALES STRATEGY • INTEGRATED BACK-OFFICE SYSTEMS • UNIFIED TECHNOLOGY FOUNDATION INC CLOUD INFRASTRUCTURE & APIS S O F T W A R E & D A T A DI VISIONAL OVERVI EW + 7% L I C E N S E R E V E N U E S S C A L E D S O F T W A R E A N D D A T A S E R V I C E S D E L I V E R Y • PROPRIETARY DATA DRIVING PRODUCT VALUE ACROSS RATINGS AND SOFTWARE • MARKET INTELLIEGENCE PLATFORM ‘’MATRIX 360’’ LAUNCHING TO BANKING AND WEALTH CUSTOMERS +12% R I S K R A T I N G S R E V E N U E S + 5 % V O U C H E D F O R R E V E N U E S 27 M A T R I X 3 6 0 I N S T I T U T I O N A L C U S T O M E R S F O C U S O N D A T A A N D A I C A P A B I L T I E S D E L I V E R Y • PEARSON HAM ACQUIRED & ASSETS INTEGRATED • GROUP WIDE AI STRATEGY • INTEGRATED AI COMPLANCE HUB RELEASE 1 IN TEST I N S U R A N C E P R I C I N G D A T A P O I N T S + 15 bn FINTEL HY RESULTS 2026
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21 P R O F E S S I O N A L S E R V I C E S P R O P O S I T I O N E N H A N C E M E N T S D E L I V E R Y • BUILDING AI-ENABLED COMPLIANCE OVERSIGHT PLATFORM • SCALED STRATEGIC EVENTS PROGRAMME • LAUNCHED CONSOLIDATOR SERVICE F O C U S O N H I G H M A R G I N R E V E N U E S D E L I V E R Y COMPLETED TWO NON-CORE DISPOSALS: • GATEWAY SURVEYING SERVICES • APS LEGAL & ASSOCIATES F O C U S O N G R O W T H M A R K E T S D E L I V E R Y • LAUNCHED WHOLE-OF-MARKET DISTRIBUTION PLATFORM (''OMNICORE'') • LAUNCHED WHOLE OF MARKET MORTGAGE CLUB (''OMNI MORTGAGES'') + 34 C O N S O L I D A T O R C L I E N T S +9% I N C R E A S E I N M O R T G A G E S R E V E N U E +18% I N C R E A S E I N L E N D I N G T H R O U G H O U R M O R T G A G E C L U B 260 bps I N C R E A S E I N E B I T D A M A R G I N FINTEL HY RESULTS 2026
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22 M O R T G A G E S - P R O P O S I T I O N E X P A N S I O N SPOTLI GHT ON Strategic Partnership with Mortgage Brain providing Integrated Mortgage Technology • >550 Mortgage Sourcing licences and >250 Mortgage CRM licences Completions H1 2026 H1 2025 Change Purchase / Remortgage £8.91bn £8.01bn 11.2% Product Transfer £5.77bn £4.46bn 29.6% Total £14.69bn £12.47bn 17.8% FINTEL HY RESULTS 2026
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C O N T E N T S Introduction Financial overview Operational review Outlook & Summary Appendices 01 02 03 04 05 F I N T E L H Y R E S U L T S 2 0 2 623
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24 I N T E R N A L P R O D U C T I V I T Y & A U T O M A T I O N Automating repetitive document, reporting and administrative workflows to free up specialist time. A D V I S E R & C L I E N T S E R V I C I N G S U P P O R T AI-assisted tools helping frontline teams respond to queries and prepare client- facing material more efficiently. A I I S A C C E L E R A TI N G T H E P A C E O F O U T P U T D A T A & R E S E A R C H I N T E L L I G E N C E Using AI to process, structure and surface insight from large data and research sets faster than manual review. R I S K & C O M P L I A N C E S U P P O R T Using AI as an aid — never a replacement — for consistency and evidencing in regulated processes. FINTEL HY RESULTS 2026 C R E A T I N G S M A R T E R P R O D U C T S A N D S E R V I C E S Embedding AI capabilities within VouchedFor, Matrix360 and Trust, with strong customer feedback. A C C E L E R A T I N G S O F T W A R E E N G I N E E R I N G Using AI to improve speed, code quality and security, with controlled adoption of agents to support the software development lifecycle.
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25 S T R O N G F O U N D A T I O N S , P R O V E N G R O W T H D R I V E R S , E S T A B L I S H E D C U S T O M E R S S E R V I C E S 2026 FOCUS 1. Further increase penetration of tech and services across established customer base 2. Broaden consolidator proposition 3. Grow our proven mortgage and protection business across threesixty and whole of market 4. Launch wealth platform partnership across membership business S O F T W A R E & D A T A 2026 FOCUS 1. Grow Matrix 360 clients – 27 today 2. Launch industry first, AI enabled compliance platform – release 1 3. Single sign-on for Engage, Vouched For and Compliance Platform 4. Connected data workflow delivered by end 2026 . FINTEL HY RESULTS 2026
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26 F I N T E L – I N V E S T M E N T C A S E 1. Fintel is a high-margin, data-led business built on recurring revenues 2. Target: Rule of 40 performance = 5–7% organic growth with 35–40% margin 3. AI is a tailwind that will accelerate growth and value Fintel’s core moat is a deep, regulated-market, with proprietary data and long-standing trust 4. EPS targeted to grow by 40% over the next 3 years 5. Trading in line with market expectations FINTEL HY RESULTS 2026
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THANK YOU
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C O N T E N T S Introduction Financial overview Operational review Outlook & Summary Appendices 01 02 03 04 05 F I N T E L H Y R E S U L T S 2 0 2 628
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29 I N C R E A S E T E C H N O L O G Y A N D S E R V I C E P E N E T R A T I O N T O E S T A B L I S H E D M E M B E R B A S E 220 Compliance & tech experts APPROACH Scale a differentiated AI compliance and governance platform 1. AI trained by 220+ human experts and proprietary data (e.g. 1000s of advice files) 2. Real-time risk monitoring through proprietary tech stack (Unity) 3. Compliance hub – MI, risk triggers, human deep-dives and tailored consultancy 4. In-built product upsells, growing spend with 18,000 adviser base >18,000 Directly authorised advisers 8yr Average firm tenure = rich proprietary data FINTEL HY RESULTS 2026
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REG IP CUSTOMER INSIGHTS AI KNOWLEDGE PRODUCTS / APPLICATIONS DATA BRAND WORKFLOW PRODUCT SMARTS PRODUCT PRICING BUYER BEHAVIOUR MARKET TREND CUSTOMER & INDUSTRY TRUST A I S T R A T E G Y A T T H E H E A R T O F F I N T E L 30 FINTEL HY RESULTS 2026
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31 D R I V I N G C A P A B I L I T Y T H R O U G H O U R P R O D U C T S , O P E R A T I N G M O D E L A N D I N F R A S T R U C T U R E PRODUCTS AI services for customers AI File Checking & Triage Compliance file checking for Services division. Launching end Q3 VouchedFor adviser profile AI optimisation AI generated content summaries & optimisation for AI-search, assisting financial advisers with client acquisition and retention. Roadmap Development Most product line roadmaps now have AI- enabled services, adopting a value-first approach focused on customer outcomes INFRASTRUCTURE Data Infrastructure for AI Data Lakehouse Data assets centralised in a single system. Enables improved access, analysis and accelerates product development WAYS OF WORKING AI-native operating model Data Collation and Production AI tools automating the generation of core ratings and research data. Inclusion in Lakehouse strategy x4 Acceleration in Engineering Copilot, Cursor, Claude etc. have been adopted by all engineers to improve quality and up to x4 speed of delivery Adoption of AI Toolsets Various generic and functionally specific tools adopted in all areas. All employees have AI development objectives • INCREASE REVENUE • IMPROVE MARGIN • ACCESS NEW REVENUE STREAMS AI-native websites Launch of a new "CMS-less" consumer star-ratings website in September, entire built and managed with AI, with further sites (Defaqto, VouchedFor) to follow before the end of the year FINTEL HY RESULTS 2026
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32 O U R J O U R N E Y – S T R A T E G I C T R A N S I T I O N Simplybiz founded Acquired Defaqto Acquired MICAP, AKG, Competent Advisor, VouchedFor Further 9 acquisitions extending data, software & technology capabilities Acquired Owen James, Synaptic ifa Dash, threesixty Acquisition of RSMR. Integrated acquisitions & delivered strategic transformation 2002 2019 2023 2024 2025 Technology powering UK advice >£50bn of Advised Wealth Transactions supported each year through our technology Product Data powering Retail FS Largest UK financial product database rating over 45,000 financial products Experts in Regulation Providing subscription-based business & regulatory support to >1/3 of directly authorised financial advisers Launched compliance and regulatory support business Pivoted from people and services to software & data One Fintel : Two Divisions 0 20 40 60 80 100 2018 2019 2020 2021 2022 2023 2024 2025 Revenue (£m) Group Revenue Revenue: 8.8% CAGR 0 10 20 30 40 2018 2019 2020 2021 2022 2023 2024 2025 Revenue (£m) Software & Data Reseller Software Fintel Software Fintel Data Software: 25.5% CAGR Data: 11.8% CAGR
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33 85%+ of UK general insurers use Defaqto intelligence 6,000 Custom reports generated each month by Matrix 360 customers M A T R I X 3 6 0 R E A L- T I M E M A R K E T I N T E L L I G E N C E F O R F A S T E R P R O D U C T D E C I S I O N S A market intelligence platform that helps product, pricing and proposition teams benchmark products, monitor competitors and make faster, more informed decisions. Used by over 85% of General Insurers, the only product intelligence platform covering full range of UK financial products, and updated x 4 daily. Coverage across General Insurance (motor, home, pet, travel) with Banking Wealth and Protection in progress • Faster product decisions - out-of-the-box intelligence dashboards and daily change alerts provide real-time visibility of competitor pricing and feature changes • Stronger competitive positioning - benchmark products against the market and identify pricing, feature and proposition gaps before they impact performance. • Consumer Duty alignment - supports fair value assessments, product governance reviews and board reporting with independent market evidence and benchmarks. • Accelerated time-to-market - enables teams to react more quickly to market movements, helping providers protect and grow market share. Matrix 360 has supported several meaningful improvements in how we track market movement and validate commercial recommendations. AXA Retail FINTEL HY RESULTS 2026
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34 U N I T Y C O N N E C T E D A D V I C E T E C H N O L O G Y- W O R K F L O W T E C H N O L O G Y P L A T F O R M Defaqto Unity is an industry-first connected adviser proposition that brings together software, data and insight across the entire advice journey. Combining financial planning, research, compliance, business intelligence and practice management in a single ecosystem, Unity helps firms improve efficiency, strengthen oversight and deliver better client outcomes. Connected workflows reduce complexity and eliminate fragmentation between systems, while real-time insight provides greater visibility over performance, risk and client outcomes. Embedded governance and compliance capabilities support regulatory confidence, improve operational efficiency and create a scalable foundation for growth. • Reduces operational complexity – connects software, data and workflows in a single environment, reducing duplication and manual effort. • Strengthens oversight and governance – improves visibility across the advice journey, supporting suitability, risk management and regulatory compliance. • Supports scalable growth – creates a connected technology foundation that helps firms improve productivity, enhance client outcomes and grow with confidence >20,000 Users of Fintel software >8 Number of Software applications typically used by IFAs FINTEL HY RESULTS 2026
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35 ADVISER PLATFORM Deliver a unique, integrated platform for intermediaries to improve outcomes for their clients and business. £55m SAM £30m SAM £25m SAM £25m SAM £ 300m TAM £130m TAM £120m TAM £ 250m TAM DISTRIBUTION Independent ratings and reviews, adviser insight and distribution support for asset managers. CONSUMER SELECTION Empower consumers to find and select the most suitable financial product. MARKET INTELLIGENCE Create mission-critical market insight tools to help providers maximise their propositions. TOTAL TAM: £800m FINTEL HY RESULTS 2026