CAB Payments Holdings Limited (CABP) AI Stock Analysis

• Market Cap: £167.73M
• Dividend Yield: N/A
• Average Volume (3M): 233.96K
• Price to Earnings (P/E): 26.2
• Beta (1Y): 1.25
• Revenue Growth: -13.97%
• EPS Growth: -67.63%
• Country: UK
• Employees: 421
• Sector: Financial
• Sector Strength: 70
• Industry: Banks - Diversified
• EPS (TTM): 0.02
• Shares Outstanding: 254,143,220
• 10 Day Avg. Volume: 207,786
• 30 Day Avg. Volume: 233,959
• PEG Ratio: -0.29
• Price to Book (P/B): 1.19
• Price to Sales (P/S): 1.65
• P/FCF Ratio: 2.49
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £0.60
• Price Target Upside: -99.03% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 59 Neutral
• Price Target: 63.00p ▲(1.61% Upside)

The score is held back primarily by uneven financial performance (notably the 2024 revenue drop and volatile cash flows). Offsetting this are improving technicals (price above key moving averages with positive MACD) and supportive corporate developments, while valuation is a moderate headwind given the ~25x P/E and no stated dividend yield.

Positive Factors

Strategic Expansion

The expansion into the Middle East with a new subsidiary enhances CAB's market presence in emerging markets, potentially increasing its client base and revenue streams.

Management Confidence

The director's share purchase indicates confidence in the company's future prospects, potentially boosting investor trust and signaling strong internal belief in strategic direction.

Balance Sheet Strength

A strong balance sheet with low leverage provides financial stability and flexibility, enabling CAB to invest in growth opportunities and withstand economic fluctuations.

Negative Factors

Revenue Decline

A significant revenue decline raises concerns about the company's growth trajectory and market competitiveness, potentially impacting long-term profitability.

Volatile Cash Flow

Inconsistent cash flow generation increases execution risk and may hinder the company's ability to fund operations and strategic initiatives reliably.

Operating Profitability Volatility

Volatile operating profitability suggests challenges in maintaining consistent earnings, which could affect investor confidence and long-term financial health.

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, development organizations, and governments in the United Kingdom and internationally. The company offers EMpower FX, an end-to-end automated payments gateway for cross-border payments; EMpower Payments, a digital platform for day-to-day exposures in FX; EMpower Connect, a bank oriented service for making hard currency payments; and EMpower Pensions, a pension payment full service platform. It also provides a range of banking and other services, including transaction and deposit accounts, and trade and financial consulting related services; and B2B payment gateway software. The company was formerly known as CABIM Limited and changed its name to CAB Payments Holdings Limited in March 2023. CAB Payments Holdings Limited was incorporated in 2015 and is based in Sutton, United Kingdom.

How the Company Makes Money

CAB Payments Holdings Limited generates revenue primarily through fees charged for its cross-border payment and foreign exchange services. The company's business model involves providing payment processing and currency conversion solutions, where it takes a percentage of the transaction value as a fee. CABP also earns money through foreign exchange spreads, which are the differences between the buy and sell rates of currencies. Additionally, the company may have partnerships with banks and financial institutions that facilitate access to broader networks and customer bases, further contributing to its earnings. These partnerships can enhance service offerings and create additional revenue opportunities through collaborative financial products and services.

CAB Payments Holdings Limited Financial Statement Overview

Summary

CAB Payments Holdings Limited exhibits strong financial health with robust revenue growth and improved profitability. The balance sheet is solid with no debt, indicating stability and low financial risk. Cash flow generation is efficient, though some fluctuations exist. The company appears well-positioned but should monitor operational margins and ensure strategic initiatives translate into sustainable earnings.

Income Statement

CAB Payments Holdings Limited shows a mixed performance in its income statement. The company has achieved significant revenue growth over the years, particularly from 2020 to 2023. Net profit margins have improved alongside this growth, indicating better profitability. However, the absence of EBIT and EBITDA in the latest year suggests possible operational challenges or strategic investments not translating into immediate earnings.

Balance Sheet

The balance sheet of CAB Payments Holdings Limited is strong with zero debt in the latest year, indicating financial stability and low leverage risk. The equity ratio is moderately healthy, showing a sound level of equity in the company. However, the overall growth in stockholder's equity is moderate, which could imply limited reinvestment in equity or dividend payouts.

Cash Flow

CAB Payments Holdings Limited demonstrates a positive cash flow trajectory with increasing operating cash flows and significant free cash flow improvements. The company has managed to convert its income into cash effectively, suggesting operational efficiency. However, fluctuations in free cash flow growth rates indicate potential volatility in cash generation capabilities.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	136.56M	105.54M	167.92M	32.97M	14.54M	34.27M
Gross Profit	0.00	105.54M	137.07M	-7.62M	-7.62M	34.27M
EBITDA	9.51M	0.00	43.47M	-37.38M	13.63M	631.00K
Net Income	6.28M	14.21M	22.71M	31.00M	7.14M	-2.61M
Balance Sheet
Total Assets	1.61B	1.80B	1.73B	1.49B	1.32B	1.17B
Cash, Cash Equivalents and Short-Term Investments	759.07M	1.08B	1.06B	816.84M	1.01B	730.60M
Total Debt	18.50M	18.07M	884.00K	1.28M	819.00K	1.05M
Total Liabilities	1.46B	1.66B	1.60B	1.37B	1.23B	1.10B
Stockholders Equity	149.46M	146.55M	131.53M	108.25M	76.34M	68.52M
Cash Flow
Free Cash Flow	2.72M	70.02M	21.31M	-263.36M	313.59M	3.07M
Operating Cash Flow	2.96M	84.97M	21.73M	-258.47M	318.21M	10.31M
Investing Cash Flow	-172.26M	-14.97M	40.80M	-4.88M	-4.84M	-5.27M
Financing Cash Flow	41.11M	-539.00K	226.66M	-232.00K	268.00K	-374.00K

CAB Payments Holdings Limited Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 62.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: 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 62 is below the 20-day moving average (MA) of 62.93, above the 50-day MA of 56.28, and above the 200-day MA of 49.77, indicating a bullish trend. The MACD of 2.29 indicates Positive momentum. The RSI at 60.00 is Neutral, neither overbought nor oversold. The STOCH value of 78.60 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

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
REC	72 Outperform	£102.41M	13.20	30.60%	8.61%	-11.43%	-17.65%
Sector *	68 Neutral	$18.00B	11.42	9.92%	3.81%	9.73%	1.22%
CABP	59 Neutral	£167.73M	26.23	4.30%	―	-13.97%	-67.63%
ARBB	59 Neutral	£144.06M	8.78	6.22%	5.68%	1.68%	-46.69%
ASAI	56 Neutral	£196.00M	5.94	39.40%	4.74%	―	―

CAB Payments Holdings Limited Corporate Events

CAB Payments Director Acquires Shares in Market Purchase

CAB Payments Holdings Limited announced a market purchase of shares by Kushagra Saxena, an Independent Non-executive Director. The transaction involved the acquisition of 97,861 ordinary shares at GBP0.5150 each on the London Stock Exchange. This move signifies a potential increase in confidence from the company’s management and could impact stakeholder perceptions positively.

The most recent analyst rating on (GB:CABP) stock is a Hold with a £0.45 price target. To see the full list of analyst forecasts on CAB Payments Holdings Limited stock, see the GB:CABP Stock Forecast page.

CAB Payments to Announce 2025 Financial Results in Early 2026

CAB Payments Holdings plc has announced it will release an update on its 2025 trading performance on January 15, 2026, followed by the full annual results on March 5, 2026. The company will host presentations for analysts, institutional investors, and retail shareholders, highlighting its commitment to transparency and stakeholder engagement.

The most recent analyst rating on (GB:CABP) stock is a Hold with a £0.45 price target. To see the full list of analyst forecasts on CAB Payments Holdings Limited stock, see the GB:CABP Stock Forecast page.

Crown Agents Bank Expands into Middle East with New Subsidiary and Key Appointment

Crown Agents Bank has received in-principle approval for a Category 2 Financial Services Permission from the Financial Services Regulatory Authority of ADGM for its new Middle Eastern subsidiary, CAB Global Markets. This approval is a crucial step in CAB’s strategy to expand its presence in emerging markets, particularly in the Middle East, and is expected to enhance its access to government and central banking stakeholders. The appointment of Arif Khan as the Senior Executive Officer for CAB Global Markets is set to drive growth and expansion in the region, leveraging his extensive experience in cross-border transactions and financial markets. This move aligns with CAB’s mission to support financial inclusion and prosperity in emerging markets, and reflects the bank’s recognition of Abu Dhabi’s growing status as a global financial center.

The most recent analyst rating on (GB:CABP) stock is a Hold with a £0.45 price target. To see the full list of analyst forecasts on CAB Payments Holdings Limited stock, see the GB:CABP Stock Forecast page.

Crown Agents Bank Expands into Middle East with New Subsidiary and Key Appointment

Crown Agents Bank has received in-principle approval for a Category 2 Financial Services Permission from the Financial Services Regulatory Authority of ADGM for its new Middle Eastern subsidiary, CAB Global Markets. This approval is a crucial step in CAB’s strategy to expand its presence in emerging markets, particularly in the Middle East, and is expected to enhance its access to government and central banking stakeholders. The appointment of Arif Khan as the Senior Executive Officer for CAB Global Markets is set to drive growth and expansion in the region, leveraging his extensive experience in cross-border transactions and financial markets. This move aligns with CAB’s mission to support financial inclusion and prosperity in emerging markets, and reflects the bank’s recognition of Abu Dhabi’s growing status as a global financial center.

The most recent analyst rating on (GB:CABP) stock is a Hold with a £0.45 price target. To see the full list of analyst forecasts on CAB Payments Holdings Limited stock, see the GB:CABP Stock Forecast page.