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CAB Payments Holdings Limited (GB:CABP)
LSE:CABP
UK Market

CAB Payments Holdings Limited (CABP) AI Stock Analysis

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GB

CAB Payments Holdings Limited

(LSE:CABP)

Rating:68Neutral
Price Target:
CAB Payments Holdings Limited's strong financial performance, marked by robust revenue growth and zero debt, provides a solid foundation. The stock's undervaluation offers potential upside, although technical indicators suggest caution due to short-term bearish trends. Positive corporate events further bolster a favorable long-term outlook, enhancing investor confidence in strategic growth initiatives.

CAB Payments Holdings Limited (CABP) vs. iShares MSCI United Kingdom ETF (EWC)

CAB Payments Holdings Limited Business Overview & Revenue Model

Company DescriptionCAB 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 MoneyCAB 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
65
Positive
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
70
Positive
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
75
Positive
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
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
105.54M167.92M32.97M14.54M34.27M
Gross Profit
105.54M167.92M-7.62M-7.62M34.27M
EBIT
20.89M37.62M-47.37M-31.25M-2.23M
EBITDA
0.0043.47M-37.38M-24.74M631.00K
Net Income Common Stockholders
14.21M22.71M31.00M7.14M-2.61M
Balance SheetCash, Cash Equivalents and Short-Term Investments
1.08B1.06B816.84M1.01B730.60M
Total Assets
1.80B1.73B1.49B1.32B1.17B
Total Debt
0.00884.00K1.28M819.00K1.05M
Net Debt
-1.08B-1.05B-815.56M-1.01B-729.55M
Total Liabilities
1.66B1.60B1.37B1.23B1.10B
Stockholders Equity
146.55M131.53M108.25M76.34M68.52M
Cash FlowFree Cash Flow
70.02M14.33M-263.36M313.59M3.07M
Operating Cash Flow
84.97M21.73M-258.47M318.21M10.31M
Investing Cash Flow
-14.97M40.80M-4.88M-4.84M-5.27M
Financing Cash Flow
-539.00K226.66M-232.00K268.00K-374.00K

CAB Payments Holdings Limited Technical Analysis

Technical Analysis Sentiment
Negative
Last Price41.25
Price Trends
50DMA
44.03
Negative
100DMA
49.52
Negative
200DMA
69.54
Negative
Market Momentum
MACD
-1.29
Positive
RSI
43.62
Neutral
STOCH
14.79
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:CABP, the sentiment is Negative. The current price of 41.25 is below the 20-day moving average (MA) of 42.44, below the 50-day MA of 44.03, and below the 200-day MA of 69.54, indicating a bearish trend. The MACD of -1.29 indicates Positive momentum. The RSI at 43.62 is Neutral, neither overbought nor oversold. The STOCH value of 14.79 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:CABP.

CAB Payments Holdings Limited Peers Comparison

Overall Rating
UnderperformOutperform
Sector (64)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
GBREC
82
Outperform
£100.52M10.7533.39%8.11%4.14%-4.64%
GBAQX
72
Outperform
£188.60M37.67-9.09%0.26%-147.90%
71
Outperform
£153.77M6.259.57%3.05%15.14%-31.65%
68
Neutral
£103.69M7.3710.22%-13.74%-42.39%
64
Neutral
$12.93B9.707.85%78.03%12.07%-7.83%
£143.50M6.3332.74%1.56%
£2.91M202.25-3.08%30.49%
* Financial Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:CABP
CAB Payments Holdings Limited
41.25
-82.35
-66.63%
GB:ARBB
Arbuthnot Banking
952.50
27.20
2.94%
GB:REC
Record plc
53.00
-7.09
-11.80%
GB:AQX
Aquis Exchange Plc
722.50
253.50
54.05%
GB:ASAI
ASA International Group PLC
145.00
72.62
100.33%
GB:AGFX
Argentex Group Plc
2.46
-33.64
-93.19%

CAB Payments Holdings Limited Corporate Events

Financial Disclosures
CAB Payments to Announce 2025 Interim Results in August
Positive
May 1, 2025

CAB Payments Holdings plc, a prominent B2B FX and payments provider to emerging markets, announced it will release its 2025 interim results on August 14, 2025. The company will host presentations for analysts, institutional investors, and retail shareholders following the results release. This announcement underscores CAB Payments’ commitment to transparency and engagement with stakeholders, potentially enhancing its market positioning and investor relations.

Spark’s Take on GB:CABP Stock

According to Spark, TipRanks’ AI Analyst, GB:CABP is a Neutral.

CAB Payments Holdings Limited scores a 64, reflecting its strong financial performance characterized by solid revenue growth and zero debt. The technical analysis indicates potential short-term challenges due to bearish momentum. Valuation suggests the stock might be undervalued, offering upside potential. Positive corporate events further bolster the long-term outlook, despite the absence of dividend yield.

To see Spark’s full report on GB:CABP stock, click here.

Shareholder MeetingsBusiness Operations and Strategy
CAB Payments Holdings plc Successfully Concludes 2025 AGM with All Resolutions Passed
Positive
Apr 30, 2025

CAB Payments Holdings plc, a company listed on the London Stock Exchange under the ticker CABP, held its 2025 Annual General Meeting where all proposed resolutions were passed by shareholder vote. The resolutions included receiving the annual report, approving directors’ remuneration, electing and re-electing directors, appointing auditors, and authorizing share allotments and political donations. The successful passing of these resolutions indicates strong shareholder support and ensures the company’s governance and operational strategies continue as planned.

Spark’s Take on GB:CABP Stock

According to Spark, TipRanks’ AI Analyst, GB:CABP is a Neutral.

CAB Payments Holdings Limited scores a 64, reflecting its strong financial performance characterized by solid revenue growth and zero debt. The technical analysis indicates potential short-term challenges due to bearish momentum. Valuation suggests the stock might be undervalued, offering upside potential. Positive corporate events further bolster the long-term outlook, despite the absence of dividend yield.

To see Spark’s full report on GB:CABP stock, click here.

Executive/Board ChangesBusiness Operations and Strategy
CAB Payments Holdings Limited Strengthens Board for Strategic Growth
Positive
Apr 30, 2025

CAB Payments Holdings Limited announced significant changes to its Board of Directors, adding two Independent Non-executive Directors and two Nominee Directors from Helios Investment Partners LLP. These appointments aim to enhance the company’s strategic growth in its core FX and Payments business, particularly in emerging markets. The new directors bring extensive experience in payments, technology, and emerging markets, which is expected to strengthen the company’s market position and governance. The company also announced the retirement of Simon Poole, a long-serving Nominee Director, as part of these changes.

Spark’s Take on GB:CABP Stock

According to Spark, TipRanks’ AI Analyst, GB:CABP is a Neutral.

CAB Payments Holdings Limited shows strong financial stability with robust revenue growth and zero debt, which enhances its financial health. Despite bearish technical indicators suggesting potential short-term challenges, the company’s valuation suggests it might be undervalued. Positive corporate events, such as managerial share purchases and leadership changes, indicate confidence in future performance, providing a favorable long-term outlook.

To see Spark’s full report on GB:CABP stock, click here.

Other
CAB Payments Director Acquires Shares in Market Transaction
Positive
Apr 24, 2025

CAB Payments Holdings plc announced a transaction involving Susanne Chishti, an Independent Non-executive Director, who purchased 57,890 ordinary shares at a price of GBP0.415000 each on the London Stock Exchange. This transaction highlights the company’s ongoing activities in the financial market and may reflect confidence in the company’s future performance.

Spark’s Take on GB:CABP Stock

According to Spark, TipRanks’ AI Analyst, GB:CABP is a Neutral.

CAB Payments Holdings Limited shows strong financial stability with robust revenue growth and zero debt, which enhances its financial health. However, technical analysis indicates bearish momentum, which might limit short-term gains. The company’s valuation suggests potential undervaluation, offering upside potential. Positive corporate events, such as a managerial share purchase and a new CFO appointment, indicate confidence and strategic growth, supporting a favorable outlook.

To see Spark’s full report on GB:CABP stock, click here.

Executive/Board ChangesBusiness Operations and Strategy
CAB Payments Grants Performance Share Awards to Key Executives
Neutral
Apr 4, 2025

CAB Payments Holdings plc has announced the granting of Performance Share Awards to several of its directors and persons discharging managerial responsibility under its Long Term Incentive Plan. The vesting of these awards is contingent upon achieving specific financial targets related to earnings per share, cost-income ratio, and adjusted EBITDA per average full-time equivalent. This move is part of the company’s strategy to align management incentives with long-term performance goals, potentially impacting its operational efficiency and market positioning.

Shareholder MeetingsFinancial DisclosuresRegulatory Filings and Compliance
CAB Payments Publishes 2024 Annual Report and Announces 2025 AGM
Positive
Mar 27, 2025

CAB Payments Holdings plc has released its Annual Report for the financial year ending December 31, 2024, and announced its Annual General Meeting scheduled for April 30, 2025. The report and meeting notice are available on the company’s website and the National Storage Mechanism. This announcement underscores CAB Payments’ commitment to transparency and regulatory compliance, potentially strengthening its position in the financial services industry by maintaining stakeholder trust and showcasing its operational achievements.

Other
CAB Payments Announces Director’s Share Purchase
Neutral
Mar 14, 2025

CAB Payments Holdings plc announced a market purchase of shares by Susanne Chishti, an Independent Non-executive Director. The transaction involved the acquisition of 91,368 ordinary shares at a price of GBP0.490000 per share, conducted on 14 March 2025 in London. This transaction reflects the company’s ongoing activities in managing its shareholding structure and may have implications for its governance and market perception.

Business Operations and Strategy
CAB Payments Holdings Announces Chair’s Share Purchase
Neutral
Mar 14, 2025

CAB Payments Holdings plc has announced a market purchase of 100,000 ordinary shares at a price of GBP0.484313 each by Ann Cairns, who holds the position of Chair. This transaction, conducted on 13 March 2025 in London, signifies a strategic move by the company’s leadership, potentially impacting its market perception and shareholder confidence.

Other
CAB Payments Announces Managerial Share Purchase
Positive
Mar 13, 2025

CAB Payments Holdings Limited announced a market purchase of 214,000 ordinary shares by James Hopkinson, a person discharging managerial responsibility. The transaction, conducted at a price of GBP0.47991 per share, took place on March 13, 2025, in London. This move signifies a potential increase in confidence from the company’s management, which could positively impact stakeholder perception and market positioning.

Executive/Board ChangesBusiness Operations and StrategyFinancial Disclosures
CAB Payments Reports Strategic Progress Amidst Economic Challenges
Neutral
Mar 13, 2025

CAB Payments Holdings Limited reported its audited results for the year ending December 31, 2024, highlighting strategic progress despite macroeconomic challenges. The company experienced a 7% growth in active clients and transaction volumes, although gross income fell due to previous exceptional business in certain African currencies. The firm is undergoing a transformation to enhance profitability and sustainability, with a focus on building stronger client relationships and expanding its network. Key initiatives include a new collaboration with Visa and the development of trade finance capabilities. Leadership changes and a new auditor appointment are also part of its strategy to drive growth and efficiency.

Executive/Board ChangesBusiness Operations and Strategy
CAB Payments Appoints James Hopkinson as CFO to Drive Strategic Growth
Positive
Mar 5, 2025

CAB Payments Holdings plc has appointed James Hopkinson as the new Chief Financial Officer, completing its senior leadership team. Hopkinson brings over 25 years of experience in global banking and emerging markets, having held significant roles at Standard Chartered and Metro Bank. His appointment is expected to enhance the company’s strategic transformation and growth potential, aligning with its focus on delivering efficient financial services in complex markets.

Executive/Board ChangesBusiness Operations and Strategy
CAB Payments Announces CFO Departure and Interim Appointment
Neutral
Feb 10, 2025

CAB Payments Holdings plc announced the resignation of Richard Hallett as Chief Financial Officer and Executive Director, effective immediately. Hallett, credited with transitioning the company from private to public ownership, leaves after nine years, with Matthew Talty temporarily stepping in until a permanent replacement is found. The company plans to disclose details of Hallett’s exit agreement in its 2024 Annual Report. CAB Payments underlines its ongoing commitment to delivering results and maintaining its market position, with plans to release its 2024 results on 13 March 2025. The leadership change is expected to have implications for the company’s future operations and stakeholder relations, given Hallett’s significant contributions to the company.

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.