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CAB Payments Holdings Limited
(LSE:CABP)
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Rating:59Neutral
Price Target:
80.00 p
▲(3.90% Upside)
Action:Reiterated
Date:08/06/26
The score is primarily held back by highly volatile cash flow and uneven revenue/margin performance, despite a comparatively strong, low-leverage balance sheet. Technical indicators add a neutral-to-soft backdrop with price below key short/medium-term moving averages, while valuation looks reasonable on a mid-teens P/E.
Positive Factors
Conservative balance sheet
Low leverage and a conservatively structured balance sheet provide durable financial flexibility. This supports investment in corridors, absorbs short-term shocks, and reduces refinancing risk over the next several months, enabling the company to pursue growth without forcing dilutive or distressed funding.
Negative Factors
Cash flow volatility and recent negatives
Large swings in operating and free cash flow, culminating in negative cash generation in 2025, signal inconsistent cash conversion. This undermines the company's ability to self-fund growth, dividends, or working-capital needs and raises the likelihood of needing external financing within months.
Read all positive and negative factors
Positive Factors
Negative Factors
Conservative balance sheet
Low leverage and a conservatively structured balance sheet provide durable financial flexibility. This supports investment in corridors, absorbs short-term shocks, and reduces refinancing risk over the next several months, enabling the company to pursue growth without forcing dilutive or distressed funding.
Read all positive factors
CAB Payments Holdings Limited (CABP) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£201.79M
Dividend YieldN/A
Average Volume (3M)233.96K
Price to Earnings (P/E)9.9
Beta (1Y)1.00
Revenue Growth18.95%
EPS Growth230.36%
CountryUK
Employees366
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding254,143,220
10 Day Avg. Volume207,786
30 Day Avg. Volume233,959
Financial Highlights & Ratios
PEG Ratio-2.50
Price to Book (P/B)0.98
Price to Sales (P/S)1.07
P/FCF Ratio-15.25
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
CAB Payments Holdings Limited Business Overview & Revenue Model
Company Description
CAB Payments Holdings Limited, through its subsidiaries, provides foreign exchange (FX) and cross-border payments services to banks, fintech companies, supranationals, and governments in the United Kingdom and internationally. The company offers E...
How the Company Makes Money
CAB Payments Holdings Limited makes money mainly by charging for executing and settling cross-border payments and by earning income from foreign-exchange (FX) services linked to those payments. Key revenue streams typically include: (1) FX revenue...
CAB Payments Holdings Limited Financial Statement Overview
Summary
Income Statement
63
Positive
Balance Sheet
78
Positive
Cash Flow
40
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 163.57M | 147.38M | 105.54M | 167.92M | 32.97M | 14.54M |
| Gross Profit | 135.84M | 117.72M | 105.54M | 137.07M | -7.62M | -7.62M |
| EBITDA | 34.02M | 21.21M | 0.00 | 43.47M | -37.38M | 13.63M |
| Net Income | 20.74M | 13.56M | 14.21M | 22.71M | 31.00M | 7.14M |
Balance Sheet | ||||||
| Total Assets | 2.01B | 1.66B | 1.80B | 1.73B | 1.49B | 1.32B |
| Cash, Cash Equivalents and Short-Term Investments | 195.53M | 257.87M | 1.08B | 1.06B | 816.84M | 1.01B |
| Total Debt | 18.06M | 19.04M | 18.07M | 884.00K | 1.28M | 819.00K |
| Total Liabilities | 1.84B | 1.50B | 1.66B | 1.60B | 1.37B | 1.23B |
| Stockholders Equity | 171.53M | 160.72M | 146.55M | 131.53M | 108.25M | 76.34M |
Cash Flow | ||||||
| Free Cash Flow | 52.67M | -10.32M | 70.02M | 21.31M | -263.36M | 313.59M |
| Operating Cash Flow | 52.94M | -10.18M | 84.97M | 21.73M | -258.47M | 318.21M |
| Investing Cash Flow | -428.25M | -544.12M | -14.97M | 40.80M | -4.88M | -4.84M |
| Financing Cash Flow | 241.29M | -71.84M | -539.00K | 226.66M | -232.00K | 268.00K |
CAB Payments Holdings Limited Technical Analysis
Positive
77.00
Price Trends
76.67
Positive
78.83
Positive
72.82
Positive
Market Momentum
1.18
Negative
55.43
Neutral
47.90
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:CABP, the sentiment is Positive. The current price of 77 is below the 20-day moving average (MA) of 77.69, above the 50-day MA of 76.67, and above the 200-day MA of 72.82, indicating a bullish trend. The MACD of 1.18 indicates Negative momentum. The RSI at 55.43 is Neutral, neither overbought nor oversold. The STOCH value of 47.90 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:CABP.
CAB Payments Holdings Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
72 Outperform | £67.75B | 10.21 | 10.11% | 1.64% | 8.23% | 18.19% | |
72 Outperform | £260.12B | 14.44 | 12.98% | 3.58% | -7.93% | 35.55% | |
72 Outperform | £55.10B | 7.18 | 16.16% | 4.81% | 2.78% | 24.91% | |
68 Neutral | £48.09B | 13.63 | 10.35% | 2.16% | -12.87% | 12.23% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
59 Neutral | £201.79M | 9.88 | 12.48% | ― | 18.95% | 230.36% | |
57 Neutral | £287.26M | 11.85 | 4.70% | 2.23% | -8.35% | 5.35% |
* Financial Sector Average
GB:CABP
CAB Payments Holdings Limited
80.60
28.10
53.52%
GB:STAN
Standard Chartered
2,154.00
835.16
63.32%
GB:BARC
Barclays
496.10
131.82
36.18%
GB:HSBA
HSBC Holdings
1,497.20
574.86
62.33%
GB:NWG
NatWest Group
682.00
159.09
30.42%
GB:STB
Secure Trust Bank
1,550.00
402.86
35.12%
CAB Payments Holdings Limited Corporate Events
Business Operations and StrategyExecutive/Board ChangesFinancial Disclosures
CAB Payments Chair Ann Cairns to Step Down Amid Renewed Growth and Takeover Interest
Positive
Aug 6, 2026
CAB Payments Holdings has announced that Chair Ann Cairns intends to step down as chair and director of both CAB Payments and Crown Agents Bank by the end of 2026, triggering a formal search process for her successor led by the nomination committe...
Business Operations and StrategyDividendsFinancial Disclosures
CAB Payments posts strong H1 2026 results and launches inaugural dividend
Positive
Aug 6, 2026
CAB Payments reported strong interim results for the six months to 30 June 2026, with total income up 31% year-on-year to £67.6m and adjusted profit after tax rising 152% to £13.6m, driving an adjusted return on target capital above 26%....
Business Operations and Strategy
CAB Payments’ Crown Agents Bank Wins Approval for Guyana Office to Boost Regional Growth
Positive
May 21, 2026
CAB Payments’ Crown Agents Bank has received authorisation from the Bank of Guyana to open a permanent representative office in Georgetown, deepening its long-standing presence in a country that has been among the world’s fastest-growi...
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.