# IntegraFin Holdings plc (IHP.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services / Capital Markets. Price 376p, market value 1.2 billionp.

## Valuation
- **P/E (trailing): 19.8×** (5-yr avg 2269.3×, 3-yr avg 2067.8×). IntegraFin Holdings plc trades at 19.8× trailing earnings, well below its own five-year average of 2269.3×: cheap by its own standards. The Financial Services median in the September 2026 study was 13.1×. Forward P/E is 15.8×, lower than trailing, so analysts expect earnings to grow.
- **Price / sales: 3.2×**. Each dollar of revenue is priced at 3.2×.
- **Price / book: 5.3×**. The shares trade at 5.3× book value; most of the value is in earnings power and intangibles rather than the balance sheet.
- **Free-cash-flow yield: 69.7%** (5-yr avg 0.2%). Free cash flow equals 69.7% of the market value, above its five-year average of 0.2%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 5.1%**. The inverse of the P/E: 5.1% of the price is earned each year.

## Profitability
- **Gross margin: 95.8%**. IntegraFin Holdings plc keeps 95.8% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: -455.5%**. Operating margin is negative: the business loses money before interest and tax.
- **Net margin: 25.9%**. 25.9% of each dollar of sales reaches the bottom line.
- **Return on equity: 22.8%**. 22.8% on shareholders' equity is excellent if it is not driven by leverage; sustained above 20% usually signals a competitive advantage.
- **Return on assets: 0.3%**. Each dollar of assets produces 0.3% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 36.9%** (3-yr 14.1%/yr, 5-yr 13.7%/yr). Revenue grew 36.9% over the last year, against 13.7% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): -6.3%** (3-yr 4.9%/yr, 5-yr 1.4%/yr). Earnings per share fell 6.3%, slower than revenue, so margins compressed.
- **Free-cash-flow growth (3 yr): 12.5%/yr**. Free cash flow has compounded at 12.5% a year over three years, keeping pace with earnings: the growth is real cash.

## Financial health
- **Piotroski F-score: 6/9**. 6 of 9 checks pass: mixed.
- **Cash and short-term investments: 268 millionp**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 3.05%** (0p per share, trailing). IntegraFin Holdings plc yields 3.05%, a modest yield more typical of a growth-oriented payer.
- **Payout ratio: 68%** (8% of free cash flow). 68% of earnings goes out as dividends, leaving room to keep raising it.
- **Consecutive years of increases: 1**. 1 straight year of increases.
- **Dividend growth (5 yr): -4.9%/yr** (1-yr 228.1%). The dividend has not grown over five years.
- **Shareholder yield: 3.5%**. Dividends plus net buybacks return 3.5% of the market value a year.

## Price and momentum
- **Total return (1 yr): 14.9%** (YTD 6.6%, 3-mo 9.4%). The shares are up 14.9% over twelve months including dividends.
- **From 52-week high: -6.5%** (28.3% above the low). Trading 6% below its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 47**. An RSI of 47 is neutral.
- **Beta (1 yr): 0.74** (volatility 25%). Beta of 0.74 against the FTSE All-Share: the shares move roughly with the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=IHP.L · Page: https://foliofundamentals.com/stocks/ihp.l

Not investment advice.