IntegraFin Holding (IHP): Group-wide cost review implementation

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IHP IntegraFin Holding

£1,231m · 368.5p · +9% since the first step

17 Dec 2025 · Review completed, implementation under way · −4% until the next step We have completed the Group-wide cost review announced in Q3 and are now focused on implementing the identified cost efficiencies and productivity enhancements.

13 Jan 2026 · Implementation under way; guidance reiterated · +2% until the next step We reiterate our cost guidance from December 2025:

21 Apr 2026 · Guidance reiterated; savings weighted to H2 · −4% until the next step In FY26, we expect the reduction in the rate of cost increases to be weighted towards H2 as initiatives phase through.

20 May 2026 · Progressing in line with guidance; savings weighted to H2 · +12% until the next step Implementation of the Group's cost management initiatives is progressing well, and, as previously guided, we expect the reduction in the rate of FY26 cost increases to be weighted towards H2 as the be

14 Jul 2026 · Reiterated; savings weighted to H2 FY26 · −2% until the next step In FY26, these savings will be more meaningfully realised in H2 as initiatives phase through.

13 Oct 2026 · Reiterated; H2-weighted savings confirmed for FY26 · +0% since In FY26, the savings have been weighted towards H2 due to the timing of implementation of these initiatives.

Turnaround plan with targets

Group-wide cost review implementation

Reiterated; H2-weighted savings confirmed for FY26

DEC9 Next: FY26 results with cost outturn and FY27 guidance in 46 days

Every step · 6

17 Dec 2025 Review completed, implementation under way – We have completed the Group-wide cost review announced in Q3 and are now focused on implementing the identified cost efficiencies and productivity enhancements. ↗
13 Jan 2026 Implementation under way; guidance reiterated – We reiterate our cost guidance from December 2025: ↗
21 Apr 2026 Guidance reiterated; savings weighted to H2 – In FY26, we expect the reduction in the rate of cost increases to be weighted towards H2 as initiatives phase through. ↗
20 May 2026 Progressing in line with guidance; savings weighted to H2 – Implementation of the Group's cost management initiatives is progressing well, and, as previously guided, we expect the reduction in the rate of FY26 cost... ↗
14 Jul 2026 Reiterated; savings weighted to H2 FY26 – In FY26, these savings will be more meaningfully realised in H2 as initiatives phase through. ↗
13 Oct 2026 Reiterated; H2-weighted savings confirmed for FY26 – In FY26, the savings have been weighted towards H2 due to the timing of implementation of these initiatives. ↗

What is happening

IntegraFin Holding: Group-wide cost review implementation – Reiterated; H2-weighted savings confirmed for FY26. ['Reiterated; H2-weighted savings confirmed for FY26']

In short: Group-wide cost review completed Dec 2025, aiming to slow admin cost growth to c.3%. Guidance was reiterated each quarter, and the Q4 update confirms c.3% in both FY26 and FY27, with savings weighted to H2 FY26 by implementation timing. Outturn comes with the full-year results.
Announced: 17 Dec 2025 · Review completed, implementation under way
Latest: 13 Oct 2026 · Reiterated; H2-weighted savings confirmed for FY26
Cost guidance: Underlying admin expense growth c.3% in each of FY26 and FY27
Timing: FY26 savings weighted towards H2 due to implementation timing
Next milestone: FY26 results on 9 December 2026

What comes next

FY26 results with cost outturn and FY27 guidance (9 Dec 2026).

From the company's own announcements. Not investment advice.

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