Ramsdens Holdings (RFX) AI Stock Analysis

• Market Cap: £105.16M
• Dividend Yield: 3.4%
• Average Volume (3M): 99.61K
• Price to Earnings (P/E): 10.3
• Beta (1Y): 0.35
• Revenue Growth: 16.79%
• EPS Growth: 26.31%
• Country: UK
• Employees: 827
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Conglomerates
• EPS (TTM): 0.14
• Shares Outstanding: 32,355,780
• 10 Day Avg. Volume: 135,152
• 30 Day Avg. Volume: 99,610
• PEG Ratio: 0.98
• Price to Book (P/B): 1.26
• Price to Sales (P/S): 0.71
• P/FCF Ratio: 7.26
• 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: Moderate Buy
• Number of Analyst Covering: 0

• Rating: 67 Neutral
• Price Target: 361.00p ▲(13.70% Upside)

Ramsdens Holdings' strong financial performance is the primary driver of its stock score, supported by solid revenue growth and cash flow management. However, technical analysis indicates bearish momentum, which weighs down the overall score. The stock's reasonable valuation with a low P/E ratio and decent dividend yield provides some balance.

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 demonstrates strong financial health with robust revenue growth, high profitability margins, and efficient cash flow management. The balance sheet shows financial stability with low leverage, though debt levels should be monitored.

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	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	103.44M	95.61M	83.81M	66.10M	40.68M	72.49M
Gross Profit	53.95M	51.53M	45.76M	34.53M	18.79M	41.14M
EBITDA	17.67M	16.52M	14.68M	12.78M	3.02M	13.30M
Net Income	9.88M	8.30M	7.76M	6.59M	366.00K	7.12M
Balance Sheet
Total Assets	77.29M	81.69M	74.28M	68.32M	52.72M	52.41M
Cash, Cash Equivalents and Short-Term Investments	10.27M	15.78M	13.02M	15.28M	13.03M	15.87M
Total Debt	12.17M	18.07M	18.11M	16.40M	8.60M	9.10M
Total Liabilities	22.58M	28.08M	26.11M	26.47M	16.57M	16.85M
Stockholders Equity	54.71M	53.61M	48.17M	41.84M	36.14M	35.55M
Cash Flow
Free Cash Flow	10.30M	9.30M	561.00K	92.00K	-553.00K	13.71M
Operating Cash Flow	11.96M	11.88M	3.28M	2.94M	1.08M	15.75M
Investing Cash Flow	-1.67M	-3.21M	-3.00M	-3.75M	-1.63M	-2.04M
Financing Cash Flow	-13.67M	-5.91M	-2.53M	3.06M	-2.30M	-11.26M

Ramsdens Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 317.50
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Positive

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:RFX, the sentiment is Negative. The current price of 317.5 is below the 20-day moving average (MA) of 358.88, below the 50-day MA of 350.91, and above the 200-day MA of 292.25, indicating a neutral trend. The MACD of -7.51 indicates Positive momentum. The RSI at 33.27 is Neutral, neither overbought nor oversold. The STOCH value of 8.89 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:RFX.

Ramsdens Holdings Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
RFX	―	£105.16M	10.25	19.29%	3.40%	16.79%	26.31%
Sector *	―	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
RWA	―	£101.34M	-6.58	-11.22%	11.70%	-14.31%	-361.93%
TRI	―	£104.64M	100.52	0.85%	2.30%	-4.37%	―
CTG	―	£28.01M	13.32	74.66%	2.27%	-12.04%	―
SDY	―	£123.34M	-111.67	-0.65%	9.52%	-1.16%	-141.38%

Ramsdens Holdings Corporate Events

Ramsdens Holdings Exceeds FY25 Profit Expectations Amid Strong Sector Performance

Ramsdens Holdings PLC announced that its FY25 profit before tax is slightly ahead of expectations, driven by strong performance across its core income streams and the benefit of high gold prices. The company reported a 50% increase in gross profit from its precious metals segment, supported by a dedicated gold buying website, and an 8% growth in its pawnbroking loan book. Jewellery retail also saw a 15% increase in gross profit, while foreign currency gross profit remained flat. Looking ahead, Ramsdens plans to open 8 to 12 new stores per year from FY26, leveraging its strong brand and diversified income streams.

The most recent analyst rating on (GB:RFX) stock is a Buy with a £396.00 price target. To see the full list of analyst forecasts on Ramsdens Holdings stock, see the GB:RFX Stock Forecast page.