RC365 Holding PLC (RCGH) AI Stock Analysis

• Market Cap: £1.88M
• Dividend Yield: N/A
• Average Volume (3M): 86.95K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.32
• 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: 46,874
• 30 Day Avg. Volume: 86,948
• 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: 44 Neutral
• Price Target: 1.00p ▼(-39.39% Downside)

RC365 Holding PLC's overall stock score is primarily impacted by its poor financial performance, characterized by declining revenues and negative profitability. Technical analysis indicates a bearish trend, further weighing on the score. The absence of valuation metrics and earnings call data limits a comprehensive assessment.

Positive Factors

Innovative Business Model

RC365's focus on cryptocurrency and blockchain positions it well in the growing digital finance sector, offering potential for long-term growth through innovation and adaptation to emerging technologies.

Diverse Revenue Streams

RC365's diverse revenue streams, including transaction fees and partnerships, provide a stable financial base and reduce dependency on a single income source, enhancing resilience against market fluctuations.

Strategic Partnerships

Strategic partnerships with financial institutions for white-label solutions expand RC365's market reach and leverage external expertise, fostering growth and innovation in its service offerings.

Negative Factors

Declining Revenue

A significant decline in revenue indicates challenges in maintaining market share and customer retention, potentially impacting long-term financial stability and growth prospects.

Negative Profitability

Negative profitability reflects operational inefficiencies and challenges in cost management, which could hinder the company's ability to invest in growth and innovation over the long term.

High Leverage

High leverage increases financial risk and limits flexibility, potentially constraining the company's ability to respond to market changes and invest in strategic opportunities.

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

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:RCGH, the sentiment is Negative. The current price of 1.65 is above the 20-day moving average (MA) of 1.32, above the 50-day MA of 1.38, and above the 200-day MA of 1.22, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 13.87 is Positive, neither overbought nor oversold. The STOCH value of 41.67 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative 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	£614.54M	59.83	9.64%	―	22.19%	78.35%
BGO	69 Neutral	£68.51M	-33.58	-10.50%	―	6.40%	70.78%
FIN	67 Neutral	£8.48M	24.78	13.03%	―	9.45%	-86.94%
CNS	65 Neutral	£47.63M	-37.20	-9.83%	―	-5.43%	-292.31%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
RCGH	44 Neutral	£1.88M	―	―	―	―	―

RC365 Holding PLC Corporate Events

RC365 Holding plc Successfully Passes All AGM Resolutions

RC365 Holding plc announced that all resolutions at its annual general meeting were passed, including the adoption of financial statements, approval of the Remuneration Committee Report, and reappointment of directors and auditors. The meeting also authorized directors to allot securities and disapply pre-emption provisions for certain circumstances. This development indicates strong shareholder support and positions the company for strategic growth and expansion in its target markets.

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 Announces 2025 AGM and Annual Report Release

RC365 Holding plc has announced the posting of its Annual Report and Accounts for the year ending March 2025, along with the Notice of its 2025 Annual General Meeting. The AGM is scheduled for September 4, 2025, in Hong Kong. This announcement marks a significant step in the company’s ongoing operations and transparency efforts, potentially impacting its stakeholders by providing insights into its financial health and strategic direction.

RC365 Holding Clarifies Asset-Backed Card Strategy Amid Investor Interest

RC365 Holding plc has clarified recent investor speculation regarding its asset-backed card offering, confirming that its strategy includes supporting digital assets like stablecoins as part of its existing business model. The company emphasizes that this does not represent a strategic shift and continues to operate within its regulatory framework, ensuring compliance across markets. RC365 remains committed to transparent communication with stakeholders and will provide updates as necessary.

RC365 Holding Appoints Bowsprit Partners as Financial Adviser

RC365 Holding plc has appointed Bowsprit Partners Limited as its Financial Adviser to enhance its financial strategy and operations. This appointment is expected to strengthen RC365’s position in the fintech industry, particularly in cross-border equity capital markets, and support its expansion plans into new markets, including the UK and Europe.

RC365 Holding plc Reports 2025 Financial Results and Strategic Expansion

RC365 Holding plc announced its audited final results for the year ending 31 March 2025, showing a revenue increase to HKD14 million and a decrease in gross margin to 80%. The company reported a loss of HKD34 million, with significant impairment losses and a fair value loss on financial assets. Operational highlights include the acquisition of HC Capital Group Limited, holding a Money Lender License in Hong Kong, and funding support for a Malaysian subsidiary’s R&D center. The company is focused on expanding its product offerings and geographical reach, particularly in virtual banking, which is expected to drive future growth.