What IntegraFin Holdings does

IntegraFin Holdings plc is a FTSE250-listed UK holding company (LSE: IHP, founded 1997, IPO 2014) operating through two main businesses: Transact, a proprietary adviser investment platform that has served UK financial advisers and their clients for over 25 years, and Curo, a CRM software product for advice firms built on Microsoft Power Platform. The group also retains the T4A (formerly Time4Advice, acquired 2021) and IAD acquired brands, giving it a footprint across the adviser back-office stack alongside the core wrap platform. Transact delivers a broad range of investment wrappers, regulatory compliance tooling, and integrations with third-party financial planning and back-office software, and is supported by an in-house personal customer service operation.

The group's revenue model is recurring and AUMA-linked: Transact generates platform services revenue from assets under management and administration on behalf of UK financial advisers and their clients, with net interest income also contributing to earnings. Customer reach is sales-led and direct, targeting UK financial adviser firms through a single-country distribution model, with 254,667 platform clients and £77.8bn in funds under direction as at 31 March 2026. Recent trading has been strong, with FY25 revenue up 8%, H1 FY26 revenue up 11%, FY25 underlying PBT up 7%, and a record £1bn of Q1 FY26 net flows, supporting raised revenue guidance. Headcount is approximately 800, and the group holds ISO 27001, SOC 2 Type 2, and ISO 9001 certifications alongside UK GDPR compliance, reflecting the regulated, infrastructure-grade nature of the platform business.

Name

IntegraFin Holdings

Legal name

IntegraFin Holdings plc

Website

https://integrafin.co.uk

Company type

Public

Founded year

1997

Operating status

Operating

Headcount range

501–1,000 employees

Short description

IntegraFin Holdings plc (LSE: IHP) is the FTSE250-listed parent of Transact, a UK adviser investment platform managing £77.8bn for 254,667 clients, and Curo, a Microsoft-based CRM for advice firms. The group sells directly to UK financial advisers on a recurring, AUMA-linked revenue model.

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Operations, Infrastructure, Marketing or Sales

Revenue model

1. Platform Services (Transact): Revenue generated through the Transact adviser investment platform, which manages funds under direction for UK financial advisers and their clients. Revenue is driven by assets under management and administration (AUMA), with net interest income also contributing to earnings.

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

IntegraFin Holdings provides the Transact adviser investment platform, a proprietary software solution that enables UK financial advisers and their clients to manage investments across a broad range of wrappers, supported by regulatory compliance tools and integrations with third-party financial planning software. Its second product, Curo, is a proprietary CRM built on Microsoft Power Platform for financial advice firms, offering extensive functionality and integrations with financial planning tools.

Product overview

IntegraFin Holdings operates two main businesses: its principal business, the Transact adviser investment platform, and Curo, a financial advice firm CRM software. Transact is the core adviser investment platform providing investment wrappers, regulatory compliance tools, and third-party software integrations with personal customer service. Curo is a proprietary CRM built on Microsoft Power Platform that complements Transact by offering extensive functionality for financial advice firms, including integrations with third-party financial planning tools.

Differentiator

Problem solved

Functional benefit

Brands

• Transact: The UK's premium investment platform for clients and UK financial advisers, providing an efficient investment solution supported by leading, personal customer service.
• Curo

Products and services

• Transact Adviser Investment Platform The UK's premium adviser investment platform providing UK financial advisers and their clients with an efficient investment solution, offering a broad range of wrappers (pensions, ISAs, GIAs, offshore bonds), tools to facilitate FCA regulatory compliance, and integrations with other financial advice software, supported by personal customer service.
• Curo CRM Software

Quantifiable outcome

• Record client flows of £1bn in Q1 2026, beating consensus expectations
• +1 more outcomes

Named customers1 record

Segments1 record

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators11 records

Recent moves5 records

Expansion highlights4 records

Direct peers

• Seven Investment Management (7IM): UK wealth manager with an adviser platform proposition. Direct competitor in the UK advised-platform market at a smaller scale, competing for similar adviser relationships.
• True Potential: UK technology-driven wealth management platform serving financial advisers. Comparable adviser-channel business with technology-led differentiation, similar to IntegraFin's Transact+Curo approach.
• Interactive Investor: UK flat-fee investment platform serving both direct customers and advisers. Comparable UK-only, platform-based business model with subscription-style and AUMA-linked revenue mix.
• Aviva: UK life and pensions incumbent operating the Aviva Wrap platform for advisers. Competes with Transact in the UK adviser platform market with comparable wrapper range and integrated proposition.
• AJ Bell: UK investment platform with a significant adviser channel (AJ Bell Investcentre) alongside its direct-to-consumer offering. Closely comparable to IntegraFin's adviser-focused, AUMA-driven model and similar mid-cap UK listing.
• Quilter: UK-listed wealth manager operating a major adviser wrap platform (Quilter Investor Platform), directly competing with Transact for UK financial adviser firms and their clients with similar AUMA-based fee economics.
• Hargreaves Lansdown: UK's largest retail investment platform, also serving advisers, with multi-hundred-billion-pound AUMA. Sets the competitive benchmark for platform functionality, pricing, and scale in the UK.
• Abrdn: Large UK/European wealth manager whose wrap platform (Abrdn Wrap) serves UK financial advisers. Direct competitor in the adviser wrap segment with overlapping wrappers, tools, and compliance support.
• Nucleus Financial Group: UK adviser-focused platform serving financial advice firms with a wrap-style proposition. Direct competitor with similar adviser-channel GTM and recurring AUMA-based revenue model.

Broad incumbents

• Fidelity International (Personal Investing): Global asset manager with a significant UK retail/adviser platform business. Overlaps with Transact in adviser investment solutions and wrappers but operates within a much broader international franchise.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• LinkedInlinkedin.com/company/integrafin-holdings-plc

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Subsidiaries4 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A1 record

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about IntegraFin Holdings