Ramsdens Holdings (RFX) AI Stock Analysis

• Market Cap: £106.77M
• Dividend Yield: 3.39%
• Average Volume (3M): 52.78K
• Price to Earnings (P/E): 10.7
• Beta (1Y): 0.26
• Revenue Growth: 16.79%
• EPS Growth: 26.31%
• Country: UK
• Employees: 827
• Sector: Consumer Cyclical
• Sector Strength: 77
• Industry: Conglomerates
• EPS (TTM): 0.14
• Shares Outstanding: 32,355,780
• 10 Day Avg. Volume: 43,079
• 30 Day Avg. Volume: 52,777
• PEG Ratio: N/A
• Price to Book (P/B): 0.00
• Price to Sales (P/S): 0.00
• P/FCF Ratio: 0.00
• 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: £378.00
• Price Target Upside: 14.55% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 1

• Rating: 79 Outperform
• Price Target: 378.00p ▲(14.55% Upside)

Ramsdens Holdings achieves a strong overall score due to its robust financial performance and strategic corporate initiatives, which are bolstered by favorable market conditions, particularly in precious metals. While the technical analysis indicates potential overbought conditions, the company's sound valuation and positive corporate events lend confidence to its growth prospects.

Ramsdens Holdings Business Overview & Revenue Model

Company Description

Ramsdens Holdings PLC provides various financial services in the United Kingdom and internationally. It operates through four segments: Foreign Currency Exchange, Pawnbroking, Purchase of Precious Metals, and Jewellery Retail. The company engages in the sale and purchase of foreign currency notes to holidaymakers, as well as offers prepaid travel cards and international bank-to-bank payments; and provision of pawnbroking and related financial services. It also provides precious metals buying and selling services; and retails new and second-hand jewelry. As of September 30, 2021, the company operated through 154 stores, including three franchised stores, as well as through online channel. Ramsdens Holdings PLC was incorporated in 2013 and is headquartered in Middlesbrough, the United Kingdom.

How the Company Makes Money

Ramsdens Holdings generates revenue through multiple streams, primarily from foreign exchange services, which include currency exchange fees and spreads. The company also earns income from pawnbroking services, where it provides loans secured against personal valuables, charging interest on these loans. Additionally, Ramsdens makes money from selling gold and other precious metals, capitalizing on fluctuating market prices. Significant partnerships with financial institutions and a growing online presence have further enhanced its revenue potential, allowing the company to reach a broader customer base and improve service delivery.

Ramsdens Holdings Financial Statement Overview

Summary

Ramsdens Holdings displays strong financial health, with impressive revenue growth, robust profit margins, and excellent cash flow management. The balance sheet shows commendable financial stability and prudent leverage, though careful monitoring of debt levels is advisable.

Income Statement

Ramsdens Holdings shows strong revenue growth with a 14.07% increase from the previous year. The gross profit margin stands at 53.91%, and the net profit margin is 8.68%, indicating healthy profitability. The EBIT margin is 13.04%, and the EBITDA margin is 17.28%, both of which reflect robust operational efficiency. Overall, the company demonstrates a positive growth trajectory and profitability in its income statement.

Balance Sheet

The company maintains a solid balance sheet with a low debt-to-equity ratio of 0.34, reflecting conservative leverage. The return on equity is 15.48%, showcasing efficient use of equity to generate profits. The equity ratio is 65.62%, indicating strong financial stability. While the company shows strengths in stability and leverage, continuous monitoring of debt levels is advisable.

Cash Flow

Ramsdens Holdings reports a significant free cash flow growth rate of 1558.32%, highlighting improved cash generation. The operating cash flow to net income ratio is 1.43, and the free cash flow to net income ratio is 1.12, both suggesting efficient cash flow management. The cash flow statement reflects a solid position in cash generation and liquidity.

Breakdown	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020
Income Statement
Total Revenue	95.61M	83.81M	66.10M	40.68M	72.49M
Gross Profit	51.53M	45.76M	34.53M	18.79M	41.14M
EBITDA	16.52M	14.68M	12.78M	3.02M	13.30M
Net Income	8.30M	7.76M	6.59M	366.00K	7.12M
Balance Sheet
Total Assets	81.69M	74.28M	68.32M	52.72M	52.41M
Cash, Cash Equivalents and Short-Term Investments	15.78M	13.02M	15.28M	13.03M	15.87M
Total Debt	18.07M	18.11M	16.40M	8.60M	9.10M
Total Liabilities	28.08M	26.11M	26.47M	16.57M	16.85M
Stockholders Equity	53.61M	48.17M	41.84M	36.14M	35.55M
Cash Flow
Free Cash Flow	9.30M	561.00K	92.00K	-553.00K	13.71M
Operating Cash Flow	11.88M	3.28M	2.94M	1.08M	15.75M
Investing Cash Flow	-3.21M	-3.00M	-3.75M	-1.63M	-2.04M
Financing Cash Flow	-5.91M	-2.53M	3.06M	-2.30M	-11.26M

Ramsdens Holdings Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 330.00
• 50DMA: Negative
• 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:RFX, the sentiment is Positive. The current price of 330 is above the 20-day moving average (MA) of 329.00, below the 50-day MA of 332.41, and above the 200-day MA of 262.22, indicating a neutral trend. The MACD of 1.93 indicates Negative momentum. The RSI at 50.64 is Neutral, neither overbought nor oversold. The STOCH value of 63.73 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:RFX.

Ramsdens Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RFX	79 Outperform	£106.77M	10.66	19.29%	3.39%	16.79%	26.31%
TRI	69 Neutral	£107.07M	103.12	0.85%	2.29%	-4.37%	―
Sector *	57 Neutral	HK$25.91B	4.59	-3.93%	5.43%	-0.68%	-50.62%
SDY	56 Neutral	£140.14M	―	-0.65%	8.64%	-1.16%	-141.38%
CTG	54 Neutral	£28.01M	52.88	27.15%	2.05%	-8.33%	―
HSS	―	£65.99M	―	-1.50%	6.22%	―	―
RWA	46 Neutral	£92.09M	29.69	-11.22%	12.55%	-14.31%	-361.93%

Ramsdens Holdings Corporate Events

Ramsdens Holdings PLC Announces Change in Voting Rights Structure

Ramsdens Holdings PLC has announced a change in its voting rights structure following an acquisition or disposal of shares by Downing LLP. The notification reveals that Downing LLP now holds 8.87% of the voting rights in Ramsdens, a decrease from a previous position of 9.99%. This adjustment in shareholding could influence the company’s decision-making processes and reflects a shift in stakeholder engagement.

Ramsdens Holdings PLC Issues New Shares Following CFO’s Option Exercise

Ramsdens Holdings PLC announced the issuance of 63,000 new ordinary shares following the exercise of options by CFO Martin Clyburn. These shares will be admitted to trading on AIM, increasing the total number of shares in issue to 32,355,782. This move reflects the company’s ongoing financial activities and impacts its shareholding structure, with Clyburn now holding 0.65% of the company’s issued share capital.

Ramsdens Holdings Reports Record Interim Profits Amid High Gold Prices

Ramsdens Holdings PLC reported strong interim results for the six months ended 31 March 2025, with revenue increasing by 18% to £51.6m and profit before tax rising by 54% to a record £6.1m. The company’s performance was significantly boosted by a sustained high gold price, which drove a 53% increase in gross profit from its precious metals segment. The company also launched new dedicated websites for pawnbroking and gold buying, contributing to increased customer engagement. Despite increased employment costs, Ramsdens expects full-year profits to exceed £15m, reflecting its diversified business model and strong market positioning.

Ramsdens Holdings to Announce Interim Results and Host Investor Presentation

Ramsdens Holdings PLC has announced that it will release its Interim Results for the six months ending 31 March 2025 on 4 June 2025. The company will also hold a live investor presentation on 5 June 2025, led by CEO Peter Kenyon and CFO Martin Clyburn, to discuss these results. This presentation is accessible to all current and potential shareholders, allowing them to engage with the company’s leadership and gain insights into its financial performance and strategic direction.