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Amigo Holdings PLC
(LSE:AMGO)
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Rating:43Neutral
Price Target:
2.00 p
▲(122.22% Upside)
Action:Reiterated
Date:07/15/26
The score is primarily weighed down by weak and unstable financial performance (collapsed revenue base, questionable sustainability of recent profitability, negative-equity periods, and recent cash burn). Technicals are also soft with bearish moving-average and MACD signals, though oversold readings modestly temper the downside. Valuation is not compelling given the negative P/E and lack of dividend yield data.
Positive Factors
Guarantor-loan model (credit risk mitigation)
The guarantor-loan structure provides a structural layer of credit protection by adding a legally responsible third party, which can materially reduce default losses and improve recovery economics. Over the medium term this model supports underwriting resilience and lower loss severity versus unsecured lending.
Negative Factors
Collapsed revenue base
Revenue effectively falling to zero removes the core engine for interest income and fees that underpin profitability. This structural decline erodes the company's ability to cover operating costs, sustain servicing infrastructure, and rebuild scale without a durable recovery in originations or new product lines.
Read all positive and negative factors
Positive Factors
Negative Factors
Guarantor-loan model (credit risk mitigation)
The guarantor-loan structure provides a structural layer of credit protection by adding a legally responsible third party, which can materially reduce default losses and improve recovery economics. Over the medium term this model supports underwriting resilience and lower loss severity versus unsecured lending.
Read all positive factors
Amigo Holdings PLC (AMGO) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£26.60M
Dividend YieldN/A
Average Volume (3M)4.72M
Price to Earnings (P/E)―
Beta (1Y)-0.52
Revenue GrowthN/A
EPS GrowthN/A
CountryUK
Employees9
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)>-0.01
Shares Outstanding1,329,798,800
10 Day Avg. Volume4,473,188
30 Day Avg. Volume4,720,633
Financial Highlights & Ratios
PEG Ratio>-0.01
Price to Book (P/B)-16.96
Price to Sales (P/S)0.00
P/FCF Ratio-8.48
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Amigo Holdings PLC Business Overview & Revenue Model
Company Description
Amigo Holdings PLC, operating through its various entities, extends guarantor-backed credit to private customers across both the United Kingdom and Ireland. The group also participates in trading operations. This enterprise was established in 2005...
How the Company Makes Money
Amigo Holdings PLC has historically made money primarily through interest income and fees associated with its consumer loan products. Under its guarantor-loan model, the company originated and serviced loans to individuals and charged borrowers in...
Amigo Holdings PLC Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
22
Negative
Cash Flow
27
Negative
| Breakdown | Mar 2025 | Mar 2024 | Mar 2024 | Jun 2022 | Jun 2021 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 0.00 | 100.00K | 10.00M | 20.80M | 89.60M |
| Gross Profit | 0.00 | 100.00K | -500.00K | 1.40M | 62.30M |
| EBITDA | 47.20M | -2.40M | -19.60M | -37.40M | 207.30M |
| Net Income | 47.20M | -200.00K | -12.60M | -34.80M | 169.60M |
Balance Sheet | |||||
| Total Assets | 700.00K | 39.20M | 178.20M | 219.10M | 285.00M |
| Cash, Cash Equivalents and Short-Term Investments | 700.00K | 4.70M | 90.40M | 62.40M | 133.60M |
| Total Debt | 0.00 | 0.00 | 0.00 | 100.00K | 50.60M |
| Total Liabilities | 800.00K | 39.20M | 178.20M | 206.50M | 237.10M |
| Stockholders Equity | -100.00K | 0.00 | 0.00 | 12.60M | 47.90M |
Cash Flow | |||||
| Free Cash Flow | -200.00K | -136.30M | 5.40M | 78.80M | 205.50M |
| Operating Cash Flow | -200.00K | -136.30M | 5.40M | 78.80M | 205.50M |
| Investing Cash Flow | 0.00 | 0.00 | 0.00 | 0.00 | 300.00K |
| Financing Cash Flow | 900.00K | 200.00K | -100.00K | -50.30M | -248.80M |
Amigo Holdings PLC Technical Analysis
Negative
0.90
Price Trends
2.50
Negative
2.57
Negative
1.72
Positive
Market Momentum
-0.15
Positive
39.66
Neutral
33.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:AMGO, the sentiment is Negative. The current price of 0.9 is below the 20-day moving average (MA) of 2.27, below the 50-day MA of 2.50, and below the 200-day MA of 1.72, indicating a neutral trend. The MACD of -0.15 indicates Positive momentum. The RSI at 39.66 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:AMGO.
Amigo Holdings PLC Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
68 Neutral | £268.00M | 6.93 | 33.54% | 4.74% | 34.56% | 89.25% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £552.00M | 9.87 | 10.35% | 4.39% | 1.54% | -9.18% | |
60 Neutral | £237.55M | 9.97 | 9.68% | 5.33% | -7.08% | 32.38% | |
53 Neutral | £299.80M | 37.20 | 1.89% | ― | 0.07% | ― | |
43 Neutral | £26.60M | -7.14 | ― | ― | ― | ― |
* Financial Sector Average
GB:AMGO
Amigo Holdings PLC
2.00
1.73
627.27%
GB:IPF
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249.00
79.68
47.05%
GB:VANQ
Vanquis Banking Group
116.80
14.80
14.51%
GB:SUS
S&U plc
1,945.00
340.44
21.22%
GB:ZAIM
Zaim Credit Systems Plc
4.50
0.00
0.00%
GB:ASAI
ASA International Group PLC
263.00
137.61
109.75%
Amigo Holdings PLC Corporate Events
Business Operations and Strategy
Amigo sharpens geological model at Tanzanian rare earth project
Positive
Jul 1, 2026
Amigo Resources has reported detailed progress from its Musensi Hill rare earth and critical minerals project in Tanzania, where systematic geological mapping has identified a complex, multiphase carbonatite system intruded into Precambrian granit...
Business Operations and Strategy
Amigo Resources Appoints Shore Capital as Corporate Broker
Positive
Jun 25, 2026
Amigo Resources PLC has appointed Shore Capital Stockbrokers Limited as its corporate broker with immediate effect, a move that signals an effort to strengthen its access to capital markets and investor relations. The decision underscores the comp...
Business Operations and Strategy
Amigo Resources Advances Kabete Gold Project With New Plant and Micro-Seismic Survey
Positive
Jun 19, 2026
Amigo Resources has reported key operational milestones at its Kabete Project in Tanzania, where it is advancing an integrated exploration and processing strategy for its gold portfolio. The company has begun commissioning a new processing facilit...
Business Operations and StrategyExecutive/Board ChangesPrivate Placements and Financing
Amigo Resources pivots to African mining with fresh capital and new strategy
Positive
Jun 18, 2026
Amigo Resources PLC has completed a strategic overhaul, exiting its legacy financial services, changing its functional currency to U.S. dollars and rebranding to reflect its new focus on African gold and rare earth mining. The company has strength...
Business Operations and Strategy
Amigo Resources Flags Tier-1 Gold Targets and Processing Push at Kabete
Positive
Jun 10, 2026
Amigo Resources PLC has reported highly encouraging geochemical results from its Kabete Project in Tanzania, confirming a robust multi-style gold system and emerging potential for platinum group metals and rare earth elements. Analysis of 1,500 so...
Business Operations and StrategyPrivate Placements and Financing
Amigo Resources Raises £3.1m via New Share Subscription on LSE
Neutral
Jun 8, 2026
Amigo Resources PLC has completed a share subscription raising gross proceeds of about £3.1 million through the issue of 139.7 million new ordinary shares at 2.2 pence each. The new subscription shares, which were admitted today to the main m...
Business Operations and StrategyPrivate Placements and Financing
Amigo Resources raises £3.07m to fund African mining strategy and potential reverse deal
Positive
Jun 1, 2026
Amigo Resources PLC has raised approximately £3.07 million through a subscription of nearly 140 million new shares at 2.2 pence each, a 20% discount to the recent market price but a substantial premium to last year’s convertible loan no...
Business Operations and StrategyRegulatory Filings and Compliance
Amigo Resources Wins Tanzanian Processing Licences to Build Modular Mineral Hubs
Positive
May 14, 2026
Amigo Resources PLC has secured two Tanzanian Processing Licences for its Kabete Mines and Mojimoto projects, giving it the regulatory framework to build modular processing hubs that support exploration, ore aggregation, metallurgical testing and ...
Business Operations and Strategy
Amigo Resources Strikes Tanzanian Rare Earths JV With AK Corporation
Positive
May 5, 2026
Amigo Resources has agreed a strategic joint venture with AK Corporation over a 17.73 km² package of rare earth element prospecting licences in Tanzania’s Songwe Region, part of the highly prospective Mbeya-Songwe alkaline-carbonatite c...
Business Operations and Strategy
Amigo Holdings Moves Registered Office to Central London
Neutral
May 1, 2026
Amigo Holdings PLC, a London-listed miner focused on gold and rare earth opportunities in Tanzania and Mauritania, operates as a public limited company registered in England and Wales. The company targets African mineral assets, positioning itself...
Business Operations and Strategy
Amigo Advances Tanzanian Mojimoto Gold Project With Exploration Results and Pilot Plant Plans
Positive
Apr 30, 2026
Amigo Resources PLC has completed a phased exploration programme at its Mojimoto Project in Tanzania’s Lake Victoria goldfield, using micro-seismic surveys, AI-assisted subsurface modelling, geochemical soil sampling and trenching to identif...
Business Operations and Strategy
Amigo Resources Secures Licences and Ramps Up Work at Tanzanian Kabete Gold Project
Positive
Apr 29, 2026
Amigo Resources PLC has secured the mineral licences for its Kabete Gold Project in Tanzania, where it holds a 51% interest, clearing the way for on-the-ground exploration and operational work. The company has mobilised technical and geological te...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.