Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
IntegraFin Holdings plc is a UK-based holding company and FTSE 250 constituent that owns and oversees the IntegraFin Group, specializing in technology-driven software and services for financial advice firms. Its core offering, the Transact investment platform operated by subsidiary Integrated Financial Arrangements Ltd, provides a comprehensive wrap service including General Investment Accounts, Self-Invested Personal Pensions, ISAs, and custody for diverse assets, supported by affiliated insurance entities for onshore and offshore bonds. The group develops proprietary platforms like Time4Advice for adviser practice management and emphasizes regulatory compliance, tax efficiency, and personalized service alongside advanced technology. Founded in 1999 and publicly listed since 2018, IntegraFin Holdings plc manages substantial funds under direction—£77.2 billion for 249,000 clients as of late 2025—playing a pivotal role in the asset management sector by empowering UK financial advisers with integrated tools for efficient wealth management.
£3.88
+£0.13 (+3.33%)
EOD Jul 3, 2026
Margins and capital returns are both well above average: 66.26% operating margin, ROIC at 23.14%. Consistent with durable pricing power, though that alone doesn't make it a buy.
Revenue grew 8.2%, steady but not accelerating.
Even for strong businesses, today's 25x P/E means the stock needs to keep delivering. There's no margin of safety if growth disappoints.
25.0x earnings, 3.9x FCF. Valuation is in a reasonable range. The main question is whether the business can re-accelerate or if current trajectory is already priced in.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£157M
▲ +8.2% YoY
Net Income (TTM)
£51M
▼ -1.5% YoY
Op. Margin
66.26%
▼ -2.0pp YoY
ROIC
23.14%
▼ -1.5pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
£326M
▲ +17.8% YoY
Op. Cash Flow (TTM)
£350M
▲ +20.3% YoY
Net Debt
-£138M
Net Cash Position
Cash & Equiv.
£151M
3Y CAGR: +5.5%
3Y CAGR: +11.3%
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At a P/E of 25.0 and a price-to-free-cash-flow of 3.9, IntegraFin Holdings (IHP.XLON) trades below a two-stage DCF intrinsic value of about £25.40 per share, so at £3.88 the stock looks undervalued (555.4% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, IntegraFin Holdings scores 90/100 on Intrinsiqq's quality scorecard (a high-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 2.7%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about £25.40 per share for IHP.XLON, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around £19.05. At today's £3.88, that puts the stock about 555.4% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
IntegraFin Holdings scores 90 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a high-quality business on these measures. Recent fundamentals include a 66.3% operating margin and a 23.1% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, IntegraFin Holdings pays a regular dividend of about £0.11 per share per year (typically in quarterly installments), a yield of roughly 2.7% at the current price. That is a payout ratio of about 67.6% of earnings, so the dividend is covered, with less cushion. IntegraFin Holdings has grown the dividend at roughly 5.0% a year over the past few years. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For IHP.XLON's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. IHP.XLON currently trades below its estimated intrinsic value and scores 90/100 on quality (high-quality). It also yields about 2.7%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.