Amigo Holdings PLC (GB:AMGO)
LSE:AMGO
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Amigo Holdings PLC
(LSE:AMGO)
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Rating:48Neutral
Price Target:
2.50 p
â–²(177.78% Upside)
Action:ReiteratedDate:01/31/26
The score is held down primarily by very weak financial performance (revenue collapse and significant 2025 cash burn), with additional pressure from loss-driven valuation (negative P/E). Strong technical momentum supports the score but is tempered by overbought RSI readings.
Positive Factors
Guarantor lending model
Guarantor-backed loans provide a structural loss-mitigation mechanism versus unsecured lending. Over time this improves recovery rates and reduces volatility in credit losses, supporting more predictable servicing cash flows and making legacy book run-off less loss-sensitive than pure unsecured portfolios.
Negative Factors
Revenue collapse
A multi-year collapse in core revenue signals a materially shrunk franchise and lost market scale. Sustained revenue erosion undermines fixed-cost absorption, reduces servicing economics, and makes rebuilding origination channels or market presence a multi-quarter structural challenge for growth and margin restoration.
Read all positive and negative factors
Positive Factors
Negative Factors
Guarantor lending model
Guarantor-backed loans provide a structural loss-mitigation mechanism versus unsecured lending. Over time this improves recovery rates and reduces volatility in credit losses, supporting more predictable servicing cash flows and making legacy book run-off less loss-sensitive than pure unsecured portfolios.
Read all positive factors
Amigo Holdings PLC (AMGO) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£27.48M
Dividend YieldN/A
Average Volume (3M)4.72M
Price to Earnings (P/E)<0.1
Beta (1Y)-0.35
Revenue Growth-97.14%
EPS Growth98.49%
CountryUK
Employees24
SectorFinancial
Sector Strength70
IndustryFinancial - Credit Services
Share Statistics
EPS (TTM)N/A
Shares Outstanding1,065,088,100
10 Day Avg. Volume4,473,188
30 Day Avg. Volume4,720,633
Financial Highlights & Ratios
PEG Ratio0.10
Price to Book (P/B)0.00
Price to Sales (P/S)19.72
P/FCF Ratio-0.01
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, through its subsidiaries, provides guarantor loans to individuals in the United Kingdom and Ireland. It also engages in trading business. The company was founded in 2005 and is based in Bournemouth, the United Kingdom....
How the Company Makes Money
Amigo Holdings PLC’s historical core revenue model was consumer lending, primarily through guarantor loans. Under this model, the company made money mainly from (1) interest income charged to borrowers over the life of loans, and (2) fee and ancil...
Amigo Holdings PLC Financial Statement Overview
Summary
Income Statement
12
Very Negative
Balance Sheet
28
Negative
Cash Flow
10
Very Negative
| Breakdown | Mar 2024 | Mar 2024 | Jun 2022 | Jun 2021 | Jun 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 100.00K | 10.00M | 20.80M | 89.60M | 170.90M |
| Gross Profit | 100.00K | -500.00K | 1.40M | 62.30M | 130.10M |
| EBITDA | -2.40M | -19.60M | -37.40M | 207.30M | -213.00M |
| Net Income | -200.00K | -12.60M | -34.80M | 169.60M | -289.10M |
Balance Sheet | |||||
| Total Assets | 39.20M | 178.20M | 219.10M | 285.00M | 538.60M |
| Cash, Cash Equivalents and Short-Term Investments | 4.70M | 90.40M | 62.40M | 133.60M | 177.90M |
| Total Debt | 0.00 | 0.00 | 100.00K | 50.60M | 297.70M |
| Total Liabilities | 39.20M | 178.20M | 206.50M | 237.10M | 660.00M |
| Stockholders Equity | 0.00 | 0.00 | 12.60M | 47.90M | -121.40M |
Cash Flow | |||||
| Free Cash Flow | -136.30M | 5.40M | 78.80M | 205.50M | 287.20M |
| Operating Cash Flow | -136.30M | 5.40M | 78.80M | 205.50M | 287.70M |
| Investing Cash Flow | 0.00 | 0.00 | 0.00 | 300.00K | -500.00K |
| Financing Cash Flow | 200.00K | -100.00K | -50.30M | -248.80M | -167.40M |
Amigo Holdings PLC Technical Analysis
Neutral
0.90
Price Trends
2.43
Positive
1.52
Positive
0.92
Positive
Market Momentum
0.10
Positive
50.33
Neutral
44.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:AMGO, the sentiment is Neutral. The current price of 0.9 is below the 20-day moving average (MA) of 2.65, below the 50-day MA of 2.43, and below the 200-day MA of 0.92, indicating a neutral trend. The MACD of 0.10 indicates Positive momentum. The RSI at 50.33 is Neutral, neither overbought nor oversold. The STOCH value of 44.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 |
|---|---|---|---|---|---|---|---|
74 Outperform | £245.45M | 5.11 | 8.33% | 5.33% | -11.17% | 6.04% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £540.03M | 9.42 | 10.35% | 4.39% | -7.52% | 50.23% | |
61 Neutral | £190.00M | 2.44 | -965.56% | 4.74% | ― | ― | |
53 Neutral | £297.26M | 24.71 | 1.89% | ― | -3.77% | -147.20% | |
48 Neutral | £27.48M | 0.04 | -450.00% | ― | -97.14% | 98.49% |
* Financial Sector Average
GB:AMGO
Amigo Holdings PLC
2.58
2.26
693.85%
GB:IPF
International Personal Finance
246.00
128.57
109.49%
GB:VANQ
Vanquis Banking Group
117.20
62.10
112.70%
GB:SUS
S&U plc
2,020.00
706.56
53.79%
GB:ZAIM
Zaim Credit Systems Plc
4.50
0.00
0.00%
GB:ASAI
ASA International Group PLC
190.00
111.74
142.78%
Amigo Holdings PLC Corporate Events
Business Operations and StrategyExecutive/Board Changes
Amigo Resources Names New CEO to Drive African Mining Push
Positive
Mar 30, 2026
Amigo Resources PLC has appointed mining entrepreneur Anil Kumar Reddy Yerrapareddy as Chief Executive Officer of African Mining Operations, effective 1 April 2026, within its subsidiary Amigo Capital FZE. Reporting to Executive Chair Craig Ransle...
Business Operations and Strategy
Amigo Resources Advances Tanzanian Gold Projects With New Development Deal
Positive
Mar 26, 2026
Amigo Resources’ subsidiary Azima Holdings has entered an exclusive joint development agreement with technical partner AK Corporation to advance the Negero-Kilimamzinga and Mazoka gold projects in Tanzania’s Tanga region. The projects ...
Business Operations and StrategyExecutive/Board Changes
Amigo Resources Grants Revenue-Linked 20-Year Incentive to Executive Chair Amid Mining Pivot
Positive
Mar 18, 2026
Amigo Resources PLC has approved a bespoke long-term incentive scheme for Executive Chair Craig Ransley as it advances its strategic pivot from consumer lending to gold and rare-earth mining in Africa. The plan grants Ransley 2.5% of gross revenue...
Business Operations and StrategyExecutive/Board Changes
Amigo Resources strengthens board with appointment of seasoned investment banker
Positive
Mar 6, 2026
Amigo Resources PLC has appointed investment banker Qammar “Qam” Jaffri as an independent non-executive director, expanding its board to three independent non-executives and two executive directors. Jaffri brings around 15 years of glo...
Business Operations and Strategy
Amigo Rebrands as Resources Group to Focus on African Gold and Rare Earths
Positive
Mar 5, 2026
Amigo Resources PLC has formally changed its name from Amigo Holdings PLC, with the new identity reflecting a strategic focus on gold and rare earth mining projects in Africa, particularly in Tanzania and Mauritania. The company’s shares beg...
Business Operations and StrategyExecutive/Board ChangesStock BuybackShareholder Meetings
Amigo Holdings Rebrands as Amigo Resources After Shareholders Back Sweeping AGM Resolutions
Positive
Mar 2, 2026
Amigo Holdings PLC shareholders have overwhelmingly approved all resolutions at the 2026 annual general meeting, including the rebranding of the company as Amigo Resources PLC and the election of new board members, consolidating a leadership reshu...
Business Operations and StrategyShareholder Meetings
Amigo Holdings Sets 2 March 2026 Date for Hybrid AGM
Neutral
Feb 27, 2026
Amigo Holdings PLC has scheduled its Annual General Meeting for 2 March 2026 at the Bournemouth Highcliff Marriott Hotel, with proceedings set to begin at 13:00 GMT. To facilitate wider shareholder participation, the company will also provide a li...
Business Operations and StrategyShareholder Meetings
Amigo chair doubles down on tech-led mining pivot and skips AGM for project work
Positive
Feb 26, 2026
Amigo Holdings PLC’s executive chair, Craig Ransley, has outlined a decisive strategic pivot toward mining exploration, with capital being redirected from administrative overheads to on-the-ground projects. The company is building a digital-...
Business Operations and Strategy
Amigo strikes robotics partnership with Magnus Labs to modernise mining operations
Positive
Feb 25, 2026
Amigo Holdings PLC has entered a strategic collaboration through its Dubai-based subsidiary, Amigo Capital FZE, with Magnus Labs Inc, a U.S.-based robotics workforce intelligence and deployment specialist. The partnership is aimed at designing and...
Business Operations and Strategy
Amigo accelerates Tanzanian gold exploration with new structure for Mojimoto project
Positive
Feb 23, 2026
Amigo Holdings PLC has provided an update on its Mojimoto Gold Project in Tanzania’s Mara Region, where it is advancing early-stage exploration across licences in the Lake Victoria Gold Belt. Working with technical partner AK Corporation, th...
Business Operations and StrategyExecutive/Board Changes
Amigo director Jim McColl exits as lender completes pivot to mining
Neutral
Feb 10, 2026
Amigo Holdings PLC has announced the immediate resignation of non-executive director Jim McColl, who also steps down as co-chair of the Nomination and Remuneration Committee. His departure follows a two-year period in which he helped stabilise the...
Regulatory Filings and ComplianceShareholder Meetings
Amigo Holdings Sets Date and Venue for 2026 AGM
Neutral
Jan 29, 2026
Amigo Holdings PLC has announced that its 2026 Annual General Meeting will take place on 2 March 2026 at the Bournemouth Highcliff Marriott Hotel, with shareholders also able to follow proceedings via a webcast. The company will distribute the AGM...
Delistings and Listing ChangesPrivate Placements and FinancingRegulatory Filings and Compliance
Amigo Converts Loan Notes Into Equity as New Shares List on LSE
Neutral
Jan 28, 2026
Amigo Holdings PLC has completed the conversion of £1.125 million of its loan notes (Tranche 1) into 375 million new ordinary shares of 0.25p each, which were admitted today to the Official List and to trading on the main market of the London...
Business Operations and StrategyPrivate Placements and Financing
Amigo CEO Boosts Shareholding After Loan Note Conversion
Positive
Jan 28, 2026
Amigo Holdings PLC has disclosed that CEO Nicholas Beal has increased his equity stake in the company following the conversion of a tranche of mandatory convertible loan notes into ordinary shares. Tranche 1 of the loan notes has converted into 2,...
Delistings and Listing ChangesPrivate Placements and Financing
Amigo Delays Conversion of Loan Notes Into 375 Million New Shares to Late January
Neutral
Jan 19, 2026
Amigo Holdings PLC has updated the timetable for the conversion of Tranche 1 of its mandatory convertible loan notes into 375 million new ordinary shares, shifting the expected issuance and admission date from 20 January 2026 to on or about 27 Jan...
Business Operations and Strategy
Amigo Launches Early-Stage Gold Exploration Push in Tanzania
Positive
Jan 19, 2026
Amigo Holdings PLC has provided a corporate update on its strategic pivot toward gold and rare earth mining in Africa, confirming early-stage exploration activity in Tanzania’s Mara Region within the Lake Victoria goldfields district. Workin...
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.