RedCloud Holdings plc (RCT) AI Stock Analysis

• Market Cap: $62.36M
• Dividend Yield: N/A
• Average Volume (3M): 3.82M
• Price to Earnings (P/E): ―
• Beta (1Y): 2.30
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: US
• Employees: 930
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Application
• EPS (TTM): N/A
• Shares Outstanding: 44,226,635
• 10 Day Avg. Volume: 765,506
• 30 Day Avg. Volume: 3,818,618
• PEG Ratio: -0.09
• Price to Book (P/B): -1.59
• Price to Sales (P/S): 2.35
• P/FCF Ratio: -2.83
• Enterprise Value/Market Cap: 0.00
• Enterprise Value/Revenue: 0.00
• Enterprise Value/Gross Profit: 0.00
• Enterprise Value/Ebitda: 0.00
• 1Y Price Target: $4.75
• Price Target Upside: 204.49% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 2
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 39 Underperform
• Price Target: $1.50 ▼(-3.85% Downside)

RedCloud Holdings plc faces significant financial challenges, with high leverage and negative equity posing substantial risks. The technical indicators suggest a bearish trend, and the lack of profitability impacts valuation negatively. These factors collectively result in a low overall stock score.

Positive Factors

Revenue Growth

Strong revenue growth indicates increasing market demand and successful product adoption, enhancing long-term business prospects.

Strategic Partnerships

The joint venture in Turkey expands RedCloud's market presence and leverages AI, potentially driving sustained revenue and market influence.

Leadership Change

The new CFO brings extensive financial expertise, potentially improving financial strategy and operational efficiency, supporting long-term stability.

Negative Factors

High Leverage

High leverage poses financial risks, limiting flexibility and increasing vulnerability to economic downturns, impacting long-term sustainability.

Profitability Challenges

Persistent profitability issues hinder financial health and investment capacity, challenging the company's ability to sustain growth.

Cash Flow Issues

Negative cash flows indicate operational inefficiencies and potential liquidity issues, threatening the company's ability to fund operations.

RedCloud Holdings plc Business Overview & Revenue Model

Company Description

RedCloud Holdings plc (RCT) is a technology-driven company specializing in the provision of digital financial services and solutions in emerging markets. The company operates primarily in the fintech sector, focusing on facilitating digital commerce, financial inclusion, and mobile payments. RCT's core products include a robust mobile payment platform, digital wallets, and value-added services that empower consumers and businesses to conduct transactions seamlessly and securely across multiple channels.

How the Company Makes Money

RedCloud Holdings generates revenue through several key streams. Primarily, the company earns income from transaction fees charged on digital payments processed through its platform. Additionally, RCT monetizes its services by offering subscription-based models for businesses that utilize its digital wallet and payment solutions. The company also benefits from partnerships with local banks, telecom operators, and other financial institutions, which enhance its distribution network and broaden its customer base. Furthermore, RedCloud may engage in strategic alliances that provide additional revenue opportunities through co-branded services and promotions.

RedCloud Holdings plc Financial Statement Overview

Summary

Income Statement

Balance Sheet

Cash Flow

Breakdown	Dec 2024	Dec 2023	Dec 2022	Dec 2022
Income Statement
Total Revenue	46.50M	19.81M	2.81M	2.81M
Gross Profit	27.24M	5.49M	-4.61M	-4.61M
EBITDA	-38.48M	-25.60M	-13.16M	-16.03M
Net Income	-50.72M	-32.39M	-16.56M	-16.56M
Balance Sheet
Total Assets	17.56M	7.34M	7.92M	7.92M
Cash, Cash Equivalents and Short-Term Investments	800.74K	587.15K	2.25M	2.25M
Total Debt	73.18M	25.61M	21.51M	21.51M
Total Liabilities	86.33M	29.91M	22.36M	22.36M
Stockholders Equity	-68.77M	-22.57M	-14.45M	-14.45M
Cash Flow
Free Cash Flow	-38.57M	-23.74M	-13.21M	-13.21M
Operating Cash Flow	-34.68M	-22.14M	-12.55M	-12.55M
Investing Cash Flow	-3.89M	-1.60M	-662.55K	-662.55K
Financing Cash Flow	35.05M	19.91M	14.61M	14.61M

RedCloud Holdings plc Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
IDN	62 Neutral	$127.90M	639.39	1.17%	―	14.20%	―
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
RDZN	51 Neutral	$178.87M	-18.72	―	―	3.42%	93.90%
PSQH	47 Neutral	$56.67M	-0.94	-451.95%	―	35.79%	14.85%
LPSN	46 Neutral	$47.78M	-0.14	-605.44%	―	-23.03%	-107.34%
NXTT	44 Neutral	$33.72M	0.01	93.25%	―	259.01%	-61.05%
RCT	39 Underperform	$62.36M	―	―	―	―	―

RedCloud Holdings plc Corporate Events

RedCloud Holdings Reports Increased Losses in H1 2025

RedCloud Holdings plc released its unaudited condensed consolidated financial statements for the six months ending June 30, 2025. The company reported a net loss from operations of $19,997,067, a significant increase from the $16,550,543 loss in the same period of 2024. Despite a revenue increase to $17,973,748 from $16,075,466, the company’s operating expenses rose sharply, contributing to the larger deficit. The financial report highlights ongoing challenges in managing costs and improving profitability, impacting stakeholders’ confidence in the company’s financial health.

The most recent analyst rating on (RCT) stock is a Sell with a $1.50 price target. To see the full list of analyst forecasts on RedCloud Holdings plc stock, see the RCT Stock Forecast page.

RedCloud Holdings Announces CFO Transition with New Appointment

RedCloud Holdings plc announced that Neil Woodman, the Executive Vice President of Finance, will not return after his contract ends on December 31, 2025. Consequently, the company has appointed Maria Magdalena Gonzalez as the new Chief Financial Officer, effective January 5, 2026. Gonzalez, who has been a board member and part of the audit committee, will receive a salary of £320,000 per annum with potential bonuses and equity-based compensation. This leadership change is expected to impact the company’s financial strategy and operations, potentially influencing stakeholder confidence and market positioning.

The most recent analyst rating on (RCT) stock is a Buy with a $5.00 price target. To see the full list of analyst forecasts on RedCloud Holdings plc stock, see the RCT Stock Forecast page.

RedCloud Holdings Changes Accounting Firm to PKF Littlejohn

RedCloud Holdings plc, a company based in London, has announced a change in its independent registered public accounting firm. On October 30, 2025, the company dismissed Turner Stone & Company, L.L.P. and appointed PKF Littlejohn LLP as its new accounting firm, effective October 27, 2025. This decision was approved by the company’s audit committee and board of directors. Turner Stone’s reports for the fiscal years 2023 and 2024 did not have any adverse opinions or disagreements with the company. The transition to PKF is expected to proceed smoothly without any significant implications for stakeholders.

The most recent analyst rating on (RCT) stock is a Buy with a $5.00 price target. To see the full list of analyst forecasts on RedCloud Holdings plc stock, see the RCT Stock Forecast page.