RC365 Holding PLC (RCGH) AI Stock Analysis

• Market Cap: £2.03M
• Dividend Yield: N/A
• Average Volume (3M): 89.44K
• Price to Earnings (P/E): ―
• Beta (1Y): 0.66
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: UK
• Employees: 25
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): >-0.01
• 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: 49 Neutral
• Price Target: 1.50 p ▼(-9.09% Downside)
• Action: Reiterated Date: 02/11/26
• Date: Action: Reiterated 02/11/26

Overall score is pulled down primarily by weak financial performance (declining revenue, losses, high leverage, and negative cash flows). Technical indicators are relatively supportive and partially offset the fundamentals, while valuation impact is neutral due to missing P/E and dividend yield data.

Positive Factors

Industry Position

Operating in Software - Infrastructure places the company in a sector with durable, recurring demand for platforms and services. Structural needs for infrastructure software support long-term revenue opportunities and scalability if product-market fit and customer retention are maintained.

Gross Margin Sustainability

A positive gross profit margin indicates the core offerings cover direct costs and exhibit basic unit economics. This provides a foundation for returning to operating profitability if revenue stabilizes and operating expenses are better controlled, supporting sustainable margin recovery.

Free Cash Flow Conversion

A positive free cash flow to net income ratio shows some cash conversion resilience versus accounting losses. If this persists, it provides a modest internal funding buffer, reducing immediate dependence on external financing and helping manage near-term liquidity.

Negative Factors

Revenue Decline

A 33.96% year decline in revenue materially erodes scale and pricing leverage. Sustained top-line contraction reduces margin resilience, limits reinvestment capacity in product and sales, and makes recovery more difficult without structural changes or new customer wins.

Negative Cash Generation

Negative operating and free cash flows indicate the business is not self-funding its operations. Persistent cash burn forces reliance on external capital, constrains R&D and sales investment, and creates medium-term runway and solvency risks absent meaningful cash-flow improvement.

High Leverage

A high debt-to-equity ratio and low equity base signal heavy leverage and limited balance-sheet cushion. Elevated leverage raises interest burden, reduces financial flexibility, and increases vulnerability to revenue shocks, potentially necessitating dilutive or costly financing.

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

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RC365 Holding PLC Financial Statement Overview

Summary

Weak fundamentals: revenue declined sharply (down 33.96% latest year), profitability is negative (EBIT and net margins), leverage is high with a low equity ratio, and operating/free cash flow are negative—indicating financial strain and limited self-funding capacity.

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	Mar 2024	Mar 2023	Sep 2022	Mar 2022	Mar 2021
Income Statement
Total Revenue	20.05M	14.11M	22.03M	16.88M	8.07M	7.39M
Gross Profit	-590.58K	12.21M	7.85M	2.60M	2.93M	3.17M
EBITDA	-8.63M	-26.21M	-33.33M	-4.15M	1.83M	1.29M
Net Income	-31.46M	-33.74M	-36.88M	-5.38M	-3.90M	1.48M
Balance Sheet
Total Assets	19.24M	22.08M	86.67M	38.82M	25.96M	8.95M
Cash, Cash Equivalents and Short-Term Investments	5.85M	11.78M	20.34M	10.59M	23.42M	4.31M
Total Debt	4.61M	3.88M	40.42M	5.50M	6.32M	1.27M
Total Liabilities	17.63M	16.33M	55.09M	7.79M	6.96M	4.04M
Stockholders Equity	1.61M	5.75M	31.58M	31.03M	19.01M	4.91M
Cash Flow
Free Cash Flow	-6.53M	-9.85M	4.64M	-6.05M	-420.92K	-2.64M
Operating Cash Flow	-6.53M	-9.30M	7.44M	-5.98M	-348.92K	-2.57M
Investing Cash Flow	455.88K	195.14K	-2.67M	-7.03M	-72.00K	-607.71K
Financing Cash Flow	-30.15K	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: Positive
• 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 Negative. The current price of 1.65 is above the 20-day moving average (MA) of 1.48, above the 50-day MA of 1.50, and above the 200-day MA of 1.32, indicating a neutral trend. The MACD of -0.05 indicates Positive momentum. The RSI at 39.03 is Neutral, neither overbought nor oversold. The STOCH value of 26.84 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
FNX	77 Outperform	£156.56M	20.22	102.37%	7.02%	-4.35%	5.34%
BGO	69 Neutral	£55.85M	-7.22	-9.07%	―	6.40%	70.78%
EWG	66 Neutral	£727.05M	19.96	3.98%	―	-0.85%	―
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
PCIP	56 Neutral	£38.76M	-11.38	31.19%	―	25.15%	―
RCGH	49 Neutral	£2.03M	-1.55	―	―	―	―

RC365 Holding PLC Corporate Events

RC365 Seeks Shareholder Approval to Issue Up to 1.3 Billion New Shares

RC365 Holding Plc has called a general meeting of shareholders in Hong Kong on 30 March 2026 to seek approval for expanded authorities to issue new ordinary shares. The move follows the company’s unsecured convertible loan note agreement for up to £3 million with VBG Consulting Holdings, intended to fund the development of its fintech operations and geographic expansion.

At the meeting, shareholders will be asked to authorise the issue of up to 1,296,000,000 new ordinary shares over the next three years tied to the conversion of the loan notes, associated interest, fees and various warrants, subject to FCA approval of a prospectus. The potential dilution reflects RC365’s strategy of leveraging convertible financing to support growth, which could significantly reshape its capital structure while providing resources for its international expansion plans.

The most recent analyst rating on (GB:RCGH) stock is a Hold with a £1.50 price target. To see the full list of analyst forecasts on RC365 Holding PLC stock, see the GB:RCGH Stock Forecast page.

RC365 Secures Conditional £3m Convertible Funding to Back Growth Plans

RC365 Holding plc, an established payment solutions and fintech group focused on East and Southeast Asia, offers payment gateway technology, IT and financial systems support, digital remittance and foreign exchange services, and asset-linked credit card products. The company serves multinational merchants, SMEs and individuals and is targeting expansion into virtual banking as well as wider geographic growth into the UK and Europe.

RC365 has executed a £3m unsecured convertible loan note instrument with VBG Consulting Holdings, subject to Financial Conduct Authority approval of a prospectus before the notes are issued. The three-year notes, carrying a 12% rolled-up coupon, fees and attached warrants convertible at 1p per share, are intended to bolster working capital and fund corporate growth initiatives, potentially strengthening the group’s balance sheet and supporting its stated expansion strategy.

The most recent analyst rating on (GB:RCGH) stock is a Hold with a £1.50 price target. To see the full list of analyst forecasts on RC365 Holding PLC stock, see the GB:RCGH Stock Forecast page.

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.