Ramsdens Holdings (RFX) AI Stock Analysis

• Market Cap: £84.92M
• Dividend Yield: 4.23%
• Average Volume (3M): 93.89K
• Price to Earnings (P/E): 10.2
• Beta (1Y): 0.03
• Revenue Growth: 14.08%
• EPS Growth: 6.58%
• Country: UK
• Employees: 827
• Sector: Industrials
• Sector Strength: 78
• Industry: Conglomerates
• EPS (TTM): 0.26
• Shares Outstanding: 32,046,630
• 10 Day Avg. Volume: 97,517
• 30 Day Avg. Volume: 93,888
• PEG Ratio: 1.54
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.00
• Price to Cash Flow (P/CF): 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0

Ramsdens Holdings scores 79.4, reflecting strong financial performance and positive corporate events as primary strengths. The company's solid growth, profitability, and prudent leverage contribute significantly to the score. While technical analysis indicates some short-term challenges, attractive valuation metrics and recent corporate developments bolster its overall appeal in the conglomerate sector.

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. A significant portion comes from its foreign currency exchange services, where it earns through transaction fees and exchange rate margins. The pawnbroking business provides income through interest on short-term secured loans, typically backed by personal valuables such as jewellery. Additionally, Ramsdens profits from buying and selling precious metals, leveraging market fluctuations to earn margins on these transactions. Jewellery retail contributes to revenue through sales of both new and pre-owned items. The company also benefits from its retail network, driving foot traffic and cross-selling opportunities. Strategic partnerships with suppliers and financial institutions further enhance its service offerings and revenue potential.

Ramsdens Holdings Financial Statement Overview

Summary

Overall, Ramsdens Holdings exhibits robust financial health across all verticals. The income statement indicates strong growth and profitability, while the balance sheet reflects stability with prudent leverage. The cash flow statement underscores efficient cash generation and management. The company is well-positioned within its industry, with a healthy financial trajectory, though it should continue managing its debt levels carefully.

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
	EBIT
12.46M	10.93M	9.09M	-443.00K	7.29M
	EBITDA
16.52M	14.68M	12.78M	3.02M	13.30M
	Net Income Common Stockholders
8.30M	7.76M	6.59M	366.00K	7.12M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
15.78M	13.02M	15.28M	13.03M	15.87M
	Total Assets
81.69M	74.28M	68.32M	52.72M	52.41M
	Total Debt
18.07M	18.11M	16.40M	8.60M	9.10M
	Net Debt
2.28M	5.08M	1.12M	-4.43M	-6.77M
	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: 265.00
• 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:RFX, the sentiment is Positive. The current price of 265 is above the 20-day moving average (MA) of 244.30, above the 50-day MA of 232.69, and above the 200-day MA of 218.29, indicating a bullish trend. The MACD of 9.33 indicates Negative momentum. The RSI at 67.25 is Neutral, neither overbought nor oversold. The STOCH value of 49.44 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
HAT	81 Outperform	£176.39M	7.84	12.03%	4.36%	20.20%	6.12%
RFX	79 Outperform	£84.92M	10.16	16.30%	4.23%	14.08%	6.58%
MAB	79 Outperform	£1.53B	10.29	6.35%	―	4.27%	―
STJ	64 Neutral	£5.38B	13.87	35.30%	1.79%	36.14%	―
Sector *	64 Neutral	$4.28B	11.80	5.30%	250.74%	4.12%	-9.02%

Ramsdens Holdings Corporate Events

Ramsdens Holdings PLC Announces Exercise of Options and Share Sale

Ramsdens Holdings PLC announced the exercise of employee options and the sale of new ordinary shares, involving key managerial figures. The exercise involved 246,150 options, with 171,000 shares sold by PDMRs at an average price of £2.52 per share. This move reflects the company’s ongoing commitment to its Long Term Incentive Plan, despite not all performance targets being met, and indicates a strategic adjustment in its capital structure as the shares are set to commence trading on AIM.

Spark’s Take on GB:RFX Stock

According to Spark, TipRanks’ AI Analyst, GB:RFX is a Outperform.

Ramsdens Holdings scores 79.4, reflecting strong financial performance and positive corporate events as primary strengths. The company’s solid growth, profitability, and prudent leverage contribute significantly to the score. While technical analysis indicates some short-term challenges, attractive valuation metrics and recent corporate developments bolster its overall appeal in the conglomerate sector.

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

Ramsdens Holdings Launches New Long-Term Incentive Plan

Ramsdens Holdings PLC has announced the adoption of its Long-Term Incentive Plan 8, aimed at recognizing the contributions of its management team over the next three years. The plan includes potential conditional awards for five senior management members, with performance targets tied to Earnings per Share and Total Shareholder Return. The plan’s implementation reflects Ramsdens’ commitment to aligning management incentives with shareholder interests, potentially impacting the company’s operational focus and stakeholder confidence.

Spark’s Take on GB:RFX Stock

According to Spark, TipRanks’ AI Analyst, GB:RFX is a Outperform.

Ramsdens Holdings benefits from strong financial performance, including excellent growth and profitability metrics, efficient cash management, and prudent leverage. The stock’s upward momentum is tempered by potential overbought conditions in the short term. Attractive valuation metrics and positive corporate events further enhance the stock’s appeal, making it a compelling proposition in the conglomerate sector.

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

Ramsdens Holdings Exceeds Profit Expectations Amid Strong H1 FY25 Performance

Ramsdens Holdings PLC has announced a positive trading update for the first half of FY25, with profit before tax expected to exceed £13 million, surpassing previous expectations. This growth is attributed to strong performance across its core income streams, particularly in precious metals and jewellery retail, supported by high gold prices and new customer-focused websites. The company has also expanded its store network and launched new services, enhancing its market position and stakeholder value.

Spark’s Take on GB:RFX Stock

According to Spark, TipRanks’ AI Analyst, GB:RFX is a Outperform.

Ramsdens Holdings demonstrates strong financial performance with robust profitability, prudent leverage, and efficient cash management, which are the most significant contributors to the score. While technical analysis suggests some short-term challenges, the long-term outlook remains positive. The stock’s attractive valuation and recent positive corporate events further bolster its overall score.

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

Ramsdens Holdings PLC Updates Registered Office Address

Ramsdens Holdings PLC has announced a change in its registered office address to Unit 16 Falcon Court, Preston Farm Industrial Estate, Stockton on Tees, TS18 3TS. This change is part of the company’s ongoing efforts to streamline its operations and enhance its corporate infrastructure, potentially impacting its operational efficiency and stakeholder engagement.

Ramsdens Holdings Director Increases Shareholding

Ramsdens Holdings PLC announced that Mark Smith, a director of its trading subsidiary and a person discharging managerial responsibility, acquired 1,831 ordinary shares in the company at a price of 218p per share, increasing his total holding to 36,324 shares. This transaction, conducted on the London Stock Exchange’s AIM, reflects confidence in the company’s operations and may influence stakeholder perceptions positively.

Ramsdens Holdings Cancels Share Options in Favor of Cash Bonuses

Ramsdens Holdings PLC announced the cancellation of options granted under the Company Share Option Plan to certain personnel of its trading subsidiary, affecting 110,000 ordinary shares. The board decided to replace these options with a cash bonus from the company’s reserves, aiming to benefit shareholders by limiting the shares in issue while rewarding management for business growth.

Ramsdens Holdings Reports Strong Trading and Leadership Transition

Ramsdens Holdings PLC announced a positive trading update ahead of its Annual General Meeting, highlighting strong performance in its precious metals segment due to high gold prices. The company also announced leadership changes, with Simon Herrick set to succeed Andy Meehan as Non-Executive Chair, as the company continues to focus on executing its growth strategy to create value for stakeholders.