Breaking Down IntegraFin Holdings plc Financial Health: Key Insights for Investors

Dive into how IntegraFin Holdings plc translates a clear mission and bold vision into measurable market leadership: the London Stock Exchange-listed group and FTSE 250 constituent operates the Transact platform and insourced software like Time4Advice to keep control of service quality, pricing and efficiency, with a relentless focus on operational excellence and open-architecture access to funds and wrappers; as of 30 September 2025 Transact managed a headline £74.2 billion of funds under direction for around 246,000 clients, while the company's stated values - client-centricity, integrity, innovation, respect and community engagement - sit alongside a formal commitment to the United Nations Sustainable Development Goals and transparent, sustainable pricing that aims to deliver value for advisers, clients, employees and shareholders; read on to see how these concrete figures and core principles shape strategic choices, product development and everyday adviser-client experiences at IntegraFin.

IntegraFin Holdings plc (IHP.L) - Intro

• Primary service: Transact investment platform offering funds, ETFs, SIPPs, ISAs and other tax-efficient wrappers.
• Listing and index: Listed on the London Stock Exchange; constituent of the FTSE 250 Index.
• Operational philosophy: "Control-first" model - owning core platform technology and operations to protect service quality and cost efficiency.
• Sustainability focus: Active efforts to reduce environmental footprint and integrate ESG considerations across the business consistent with UN SDGs.

• Scale and custody: Platform scale (FUD of £74.2bn) underpins negotiating leverage with fund managers, custodians and tech vendors, supporting competitive pricing to advisers and clients.
• Client reach: Serving ~246,000 clients allows focus on adviser-driven flows and retention through functionality, reporting and tax-wrapper breadth.
• Cost discipline: Vertical integration of platform services is designed to keep operating margins robust while funding ongoing product and tech investment.
• Governance & risk: Public-company governance standards and FTSE 250 disclosure obligations shape capital allocation and risk management.

IntegraFin Holdings plc (IHP.L) - Overview

• Proprietary platforms: Transact (retail investment platform) and Time4Advice (adviser practice management).
• Service model: Technology-led platform with specialist client and adviser support teams.
• Value focus: Transparent pricing, long‑term client retention and sustainable margins.

• Scale funds under direction (FUD) by attracting and retaining clients through consistent service and competitive economics.
• Expand adviser adoption of Time4Advice to deepen adviser workflows and embed Transact as the platform of choice.
• Retain end‑to‑end control of platform experience by continuing in‑house software development and strong operational governance.

• Client first - measured by Net Promoter Score (NPS) and client retention metrics driven by platform stability and support response times.
• Technical excellence - measured by platform availability, incident response times and deployment cadence for new features.
• Transparency & sustainability - measured by clear published pricing, recurring revenue mix and profitability margins.
• People & partners - measured by employee engagement, adviser onboarding rates and supplier SLAs.

• Reinvestment in platform development: prioritise core platform resilience, security, and feature roadmap to improve adviser workflows and client outcomes.
• Customer service investment: maintain specialist teams and scalable support to protect retention and NPS.
• Pricing discipline: sustain transparent fee structures that balance client value and shareholder returns.

IntegraFin Holdings plc (IHP.L) - Mission Statement

• Provide a reliable, scalable platform (Transact) that supports advisers and direct clients with market-leading uptime, security and performance.
• Insourcing software development to retain end-to-end control of the client and adviser experience while accelerating feature delivery.
• Operate a transparent pricing model that aligns sustainable revenue with demonstrable value for both advisers and end clients.
• Maintain rigorous operational standards to process instructions quickly and accurately, minimising errors and operational risk.

• Be the number one provider of software and services for clients and UK financial advisers by combining superior technology with high-quality human service.
• Make financial planning easier by integrating intuitive technology with adviser-led expertise and support.
• Preserve adviser choice through open architecture: broad fund access, multiple wrappers and seamless integration with third‑party systems.
• Deliver sustainable returns and transparent fees to underpin long-term trust and commercial stability.

• Client-first: prioritise security, clarity and accessibility of advice and investments for end clients.
• Operational excellence: set measurable SLAs for accuracy and speed, underpinned by in-house controls and monitoring.
• Open architecture: maintain broad access to funds, ETFs and wrappers so advisers can construct bespoke portfolios.
• Transparency and fairness: clear pricing and fee disclosure to ensure value for money and sustainable margins.
• Continuous improvement: invest in proprietary engineering capability to innovate and reduce third‑party dependency.

IntegraFin Holdings plc (IHP.L) - Vision Statement

• Client-centric approach: every product decision is evaluated against client outcomes and fee transparency. Client satisfaction scores and net promoter trends have supported sustained AUA growth.
• Integrity and transparency: clear pricing, published regulatory disclosures and governance practices underpin stakeholder trust and regulatory compliance.
• Innovation and continuous improvement: ongoing investment in platform technology and automation-capex and R&D reinvestment represent a material portion of operating expenditure to reduce unit costs and improve uptime.
• Respect and inclusivity: workforce diversity initiatives, inclusive hiring and internal progression programmes support retention and knowledge continuity across core teams.
• Community engagement: charity partnerships, pro bono financial education and local sponsorships reflect a commitment to social impact.
• Sustainability: targets aligned to UN Sustainable Development Goals, measured reductions in office carbon intensity and supplier engagement programmes to reduce environmental footprint.

• Client outcomes framework: service-level targets, complaint resolution KPIs and regular client feedback loops tied to senior management incentives.
• Financial discipline: capital allocation guided by return-on-capital and dividend policy to balance shareholder returns with investment in platform resilience.
• Technology roadmap: multi-year plan focused on scalability, API-driven integrations for advisers, and enhanced cybersecurity controls.
• ESG programme: published sustainability goals, supplier assessments and employee-led community projects.