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Ramsdens Holdings (GB:RFX)
:RFX
UK Market

Ramsdens Holdings (RFX) AI Stock Analysis

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GB

Ramsdens Holdings

(LSE:RFX)

Rating:79Outperform
Price Target:
378.00p
▲(18.13%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 (RFX) vs. iShares MSCI United Kingdom ETF (EWC)

Ramsdens Holdings Business Overview & Revenue Model

Company DescriptionRamsdens Holdings PLC (RFX) is a diversified financial services and retail company based in the United Kingdom. It operates primarily in four sectors: foreign currency exchange, pawnbroking, precious metals buying and selling, and retail of second-hand and new jewelry. The company serves its customers through a network of high street branches across the UK, providing convenient financial solutions and retail offerings.
How the Company Makes MoneyRamsdens Holdings generates revenue through multiple streams. The primary revenue source is its foreign currency exchange services, where the company earns from the margin between buying and selling currencies. Pawnbroking represents another key revenue stream, earning interest on secured loans against customer collateral. Additionally, Ramsdens profits from buying and selling precious metals, leveraging market fluctuations to earn a margin on these transactions. The retail operations, which include the sale of second-hand and new jewelry, provide additional income, benefiting from competitive pricing and customer demand. Ramsdens also expands its revenue through strategic partnerships with financial service providers and leveraging its branch network to reach a broad customer base.

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
85
Very Positive
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
78
Positive
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
82
Very Positive
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.
BreakdownSep 2024Sep 2023Sep 2022Sep 2021Sep 2020
Income Statement
Total Revenue95.61M83.81M66.10M40.68M72.49M
Gross Profit51.53M45.76M34.53M18.79M41.14M
EBITDA16.52M14.68M12.78M3.02M13.30M
Net Income8.30M7.76M6.59M366.00K7.12M
Balance Sheet
Total Assets81.69M74.28M68.32M52.72M52.41M
Cash, Cash Equivalents and Short-Term Investments15.78M13.02M15.28M13.03M15.87M
Total Debt18.07M18.11M16.40M8.60M9.10M
Total Liabilities28.08M26.11M26.47M16.57M16.85M
Stockholders Equity53.61M48.17M41.84M36.14M35.55M
Cash Flow
Free Cash Flow9.30M561.00K92.00K-553.00K13.71M
Operating Cash Flow11.88M3.28M2.94M1.08M15.75M
Investing Cash Flow-3.21M-3.00M-3.75M-1.63M-2.04M
Financing Cash Flow-5.91M-2.53M3.06M-2.30M-11.26M

Ramsdens Holdings Technical Analysis

Technical Analysis Sentiment
Neutral
Last Price320.00
Price Trends
50DMA
308.69
Positive
100DMA
269.70
Positive
200DMA
242.91
Positive
Market Momentum
MACD
4.06
Positive
RSI
45.16
Neutral
STOCH
23.81
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:RFX, the sentiment is Neutral. The current price of 320 is below the 20-day moving average (MA) of 339.40, above the 50-day MA of 308.69, and above the 200-day MA of 242.91, indicating a neutral trend. The MACD of 4.06 indicates Positive momentum. The RSI at 45.16 is Neutral, neither overbought nor oversold. The STOCH value of 23.81 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:RFX.

Ramsdens Holdings Peers Comparison

Overall Rating
UnderperformOutperform
Sector (68)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
GBRFX
79
Outperform
£103.54M10.3319.29%4.75%16.79%26.31%
68
Neutral
£2.99B10.397.71%3.37%3.01%-10.61%
GBSDY
64
Neutral
£142.67M-0.65%10.32%-4.08%29.90%
GBCTG
61
Neutral
£29.29M55.2927.15%2.26%-8.33%
GBTRI
58
Neutral
£94.39M-3.67%0.02%-4.90%-21.83%
GBRWA
56
Neutral
£119.82M29.69-3.96%14.32%-16.16%-145.46%
* Industrials Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:RFX
Ramsdens Holdings
320.00
134.04
72.08%
GB:RWA
Robert Walters
175.00
-197.20
-52.98%
GB:CTG
Christie
115.00
-2.98
-2.53%
GB:SDY
Speedy Hire
31.00
-3.53
-10.22%
GB:TRI
Trifast
70.00
-1.28
-1.80%

Ramsdens Holdings Corporate Events

Regulatory Filings and Compliance
Ramsdens Holdings PLC Announces Change in Voting Rights Structure
Neutral
Jun 19, 2025

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.

Delistings and Listing ChangesPrivate Placements and Financing
Ramsdens Holdings PLC Issues New Shares Following CFO’s Option Exercise
Neutral
Jun 18, 2025

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.

Business Operations and StrategyFinancial Disclosures
Ramsdens Holdings Reports Record Interim Profits Amid High Gold Prices
Positive
Jun 4, 2025

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.

Business Operations and StrategyFinancial Disclosures
Ramsdens Holdings to Announce Interim Results and Host Investor Presentation
Neutral
May 16, 2025

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.

Delistings and Listing ChangesPrivate Placements and FinancingBusiness Operations and Strategy
Ramsdens Holdings PLC Announces Exercise of Options and Share Sale
Neutral
May 2, 2025

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.

Business Operations and Strategy
Ramsdens Holdings Launches New Long-Term Incentive Plan
Positive
Apr 24, 2025

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.

Business Operations and StrategyFinancial Disclosures
Ramsdens Holdings Exceeds Profit Expectations Amid Strong H1 FY25 Performance
Positive
Apr 8, 2025

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.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Jun 04, 2025