RC365 Holding PLC (RCGH) AI Stock Analysis

• Market Cap: £2.56M
• Dividend Yield: N/A
• Average Volume (3M): 89.44K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.48
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: UK
• Employees: 25
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): N/A
• Shares Outstanding: 150,410,420
• 10 Day Avg. Volume: 55,779
• 30 Day Avg. Volume: 89,443
• PEG Ratio: 0.02
• Price to Book (P/B): 2.93
• Price to Sales (P/S): 1.20
• P/FCF Ratio: -1.71
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 43 Neutral
• Price Target: 1.50p ▼(-9.09% Downside)

The score is primarily held down by weak financial performance (declining revenue, negative profitability, high leverage, and negative operating/free cash flow). Technicals provide only a modest offset with prices above moving averages, but mixed momentum signals (high RSI with slightly negative MACD) limit upside. Valuation impact is neutral because P/E and dividend yield were not provided.

Positive Factors

Diversified revenue model

RC365 earns income from transaction fees, subscriptions and partnerships, offering multiple recurring revenue streams. This mix supports resilience against single-channel shocks, aids predictability, and provides levers to expand monetization as transaction volumes recover over months.

Technology-driven platform

A tech-first payments platform allows product-led scaling, faster feature rollouts, and integration with merchants and financial partners. Durable platform advantages can lower marginal costs, increase customer stickiness, and enable differentiated services over the medium term.

Lean operating base

A small headcount suggests a lean cost structure and potential for scalable unit economics typical of software businesses. Lower fixed payroll burdens can extend runway, allow reinvestment in product, and enable agile execution as management focuses on efficient customer acquisition and retention.

Negative Factors

Sharp revenue decline

A nearly 34% revenue drop signals weakening demand or customer churn, undermining network effects and scale economics in payments. Sustained declines compress gross margins and reduce reinvestment capacity, threatening growth initiatives and long-term competitiveness.

Weak balance sheet and high leverage

High leverage and a low equity ratio limit financial flexibility, increase interest burden, and raise refinancing risk. Negative ROE indicates capital is not generating returns, constraining ability to fund growth organically or withstand prolonged revenue pressure.

Negative operating cash flow

Negative operating cash flow shows core operations are not generating cash, forcing reliance on financing or non-operational sources. This reduces capacity to invest in product, marketing, or partnerships and elevates dilution or solvency risk if trends persist.

RC365 Holding PLC Business Overview & Revenue Model

Company Description

RC365 Holding PLC (RCGH) is a technology-driven company specializing in providing innovative solutions in the digital payment and electronic transaction sector. The company operates primarily within the fintech industry, offering a range of services including payment processing, digital wallet solutions, and integrated financial services. RC365 focuses on enhancing the user experience for both consumers and businesses through its cutting-edge technology and strategic partnerships, aiming to streamline financial transactions and improve accessibility to financial services.

How the Company Makes Money

RC365 generates revenue through multiple key streams. Primarily, the company earns income from transaction fees charged on payment processing services, where businesses pay a percentage of each transaction facilitated by RC365's platform. Additionally, RC365 may generate revenue through subscription-based services for businesses that utilize its digital wallet and integrated financial solutions. The company also seeks strategic partnerships with financial institutions and e-commerce platforms, which can lead to additional revenue through joint ventures and collaborative projects. Furthermore, RC365 might explore ancillary services such as consulting and technology licensing, contributing to its overall earnings.

RC365 Holding PLC Financial Statement Overview

Summary

RC365 Holding PLC is facing significant financial challenges, with declining revenues, negative profitability, and high leverage. Cash flow issues further exacerbate the financial instability, suggesting a need for strategic restructuring to improve financial health.

Income Statement

The income statement shows a declining revenue trend with a significant drop of 33.96% in the latest year. Gross profit margin remains positive but has decreased over time. The company is experiencing negative EBIT and net profit margins, indicating operational inefficiencies and challenges in achieving profitability.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio, indicating a reliance on debt financing. The equity ratio is low, suggesting potential financial instability. Return on equity is negative, reflecting the company's inability to generate profits from shareholders' equity.

Cash Flow

Cash flow analysis shows negative operating and free cash flows, with a slight improvement in free cash flow growth. The operating cash flow to net income ratio is negative, highlighting cash flow challenges. The free cash flow to net income ratio is positive but indicates reliance on non-operational cash sources.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	21.36M	14.11M	22.03M	16.88M	8.07M	7.39M
Gross Profit	4.57M	12.21M	7.85M	2.60M	2.93M	3.17M
EBITDA	-9.13M	-26.21M	-33.33M	-4.15M	1.83M	1.29M
Net Income	-9.43M	-33.74M	-36.88M	-5.38M	-3.90M	1.48M
Balance Sheet
Total Assets	78.93M	22.08M	86.67M	38.82M	25.96M	8.95M
Cash, Cash Equivalents and Short-Term Investments	16.74M	11.78M	20.34M	10.59M	23.42M	4.31M
Total Debt	35.46M	3.88M	40.42M	5.50M	6.32M	1.27M
Total Liabilities	48.05M	16.33M	55.09M	7.79M	6.96M	4.04M
Stockholders Equity	30.88M	5.75M	31.58M	31.03M	19.01M	4.91M
Cash Flow
Free Cash Flow	-9.20M	-9.85M	4.64M	-6.05M	-420.92K	-2.64M
Operating Cash Flow	-9.18M	-9.30M	7.44M	-5.98M	-348.92K	-2.57M
Investing Cash Flow	3.54M	195.14K	-2.67M	-7.03M	-72.00K	-607.71K
Financing Cash Flow	4.61M	1.41M	4.59M	-1.20M	20.07M	-828.00K

RC365 Holding PLC Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:RCGH, the sentiment is Positive. The current price of 1.65 is above the 20-day moving average (MA) of 1.36, above the 50-day MA of 1.35, and above the 200-day MA of 1.23, indicating a bullish trend. The MACD of 0.07 indicates Negative momentum. The RSI at 54.02 is Neutral, neither overbought nor oversold. The STOCH value of 37.37 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:RCGH.

RC365 Holding PLC Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOKU	70 Outperform	£651.17M	65.03	9.64%	―	22.19%	78.35%
BGO	69 Neutral	£66.59M	-32.64	-10.50%	―	6.40%	70.78%
FIN	67 Neutral	£8.48M	24.35	13.03%	―	9.45%	-86.94%
CNS	65 Neutral	£60.18M	-47.00	-9.83%	―	-5.43%	-292.31%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
RCGH	43 Neutral	£2.56M	―	―	―	―	―

RC365 Holding PLC Corporate Events

RC365 Says It Knows No Reason for Sudden Share Price Surge

RC365 Holding plc announced that its board has observed a recent sharp rise in the company’s share price but stated it is unaware of any underlying reason for the movement. The clarification suggests the rally is not driven by undisclosed corporate developments, leaving investors to infer that the volatility may be driven by market speculation rather than fundamental news.

The most recent analyst rating on (GB:RCGH) stock is a Hold with a £1.00 price target. To see the full list of analyst forecasts on RC365 Holding PLC stock, see the GB:RCGH Stock Forecast page.

RC365 Revamps Leadership Team With New Executive Director and CFO

RC365 Holding plc has reshaped its senior leadership team with the appointment of King Lun (Alan) Leung to the board as an executive director and the simultaneous resignation of executive director and CFO Hon Keung Cheung. Leung, who has led business development at subsidiary Regal Crown Technology since 2022 and brings extensive international fintech and electronic payments experience, is expected to strengthen RC365’s commercial and expansion capabilities. The company has also named Tzu Ling (Esther) Quah as its new chief financial officer, promoting her from finance manager at RC365 Technology Sdn Bhd, where she oversaw multi-jurisdictional reporting and compliance. Management highlighted that Quah’s established role in enhancing financial controls and reporting positions her to support the group’s next phase of growth and long-term value creation for shareholders, signalling a continuity-focused yet strategically aligned transition in the finance function.

The most recent analyst rating on (GB:RCGH) stock is a Hold with a £1.00 price target. To see the full list of analyst forecasts on RC365 Holding PLC stock, see the GB:RCGH Stock Forecast page.

RC365 Holding plc Reports Strong Interim Results and Strategic Advancements

RC365 Holding plc announced its interim results for the six months ended 30 September 2025, highlighting significant revenue growth to HK$11.9 million and a reduction in losses to HK$4.1 million. The company has made strategic advancements, including acquiring a Money Lenders Licence through the acquisition of HC Capital Group Ltd, which enables it to offer digital lending services. The company also plans to expand its card product range and launch the RC3.0 App in early Q1 2026 to enhance its virtual banking capabilities. The company has strengthened its presence in Japan, doubling its corporate customer base, and continues to focus on expanding its services and geographic reach.

The most recent analyst rating on (GB:RCGH) stock is a Hold with a £1.00 price target. To see the full list of analyst forecasts on RC365 Holding PLC stock, see the GB:RCGH Stock Forecast page.