Ramsdens Holdings (RFX) AI Stock Analysis

• Market Cap: £68.10M
• Dividend Yield: 5.21%
• Average Volume (3M): 83.81K
• Price to Earnings (P/E): 8.2
• Beta (1Y): >-0.01
• Revenue Growth: 14.08%
• EPS Growth: 6.58%
• Country: UK
• Employees: 827
• Sector: Industrials
• Sector Strength: 69
• Industry: Industrial Conglomerates
• EPS (TTM): 0.26
• Shares Outstanding: 32,046,630
• 10 Day Avg. Volume: 71,644
• 30 Day Avg. Volume: 83,807
• PEG Ratio: 1.25
• Price to Book (P/B): N/A
• Price to Sales (P/S): 0.77
• Price to Cash Flow (P/CF): 6.70
• P/FCF Ratio: 8.60
• 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 shows strong financial health and attractive valuation, with robust growth and profitability metrics. However, technical indicators suggest bearish momentum with the stock being oversold. The strong trading performance and positive sentiment from corporate events are counterbalanced by the potential impact of leadership changes.

Ramsdens Holdings Business Overview & Revenue Model

Company Description

Ramsdens Holdings PLC is a diversified financial services provider based in the United Kingdom, operating primarily through its network of retail branches. The company serves a wide range of customers by offering services such as foreign currency exchange, pawnbroking, jewellery retail, and the buying and selling of precious metals. Ramsdens Holdings has established itself as a reliable and convenient service provider, catering to both individual and business clients across its various sectors.

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
TTM	Sep 2024	Sep 2023	Sep 2022	Sep 2021	Sep 2020
Income Statement		Total Revenue
88.57M	95.61M	83.81M	66.10M	40.68M	72.49M
	Gross Profit
45.82M	51.53M	45.76M	34.53M	18.79M	41.14M
	EBIT
11.15M	12.46M	10.93M	9.09M	-443.00K	7.29M
	EBITDA
13.95M	16.52M	14.68M	12.78M	3.02M	13.30M
	Net Income Common Stockholders
7.77M	8.30M	7.76M	6.59M	366.00K	7.12M
Balance Sheet		Cash, Cash Equivalents and Short-Term Investments
13.42M	15.78M	13.02M	15.28M	13.03M	15.87M
	Total Assets
43.86M	81.69M	74.28M	68.32M	52.72M	52.41M
	Total Debt
5.18M	18.07M	18.11M	16.40M	8.60M	9.10M
	Net Debt
-8.24M	2.28M	5.08M	1.12M	-4.43M	-6.77M
	Total Liabilities
12.96M	28.08M	26.11M	26.47M	16.57M	16.85M
	Stockholders Equity
30.91M	53.61M	48.17M	41.84M	36.14M	35.55M
Cash Flow		Free Cash Flow
4.54M	9.30M	561.00K	92.00K	-553.00K	13.71M
	Operating Cash Flow
7.20M	11.88M	3.28M	2.94M	1.08M	15.75M
	Investing Cash Flow
-3.57M	-3.21M	-3.00M	-3.75M	-1.63M	-2.04M
	Financing Cash Flow
-1.41M	-5.91M	-2.53M	3.06M	-2.30M	-11.26M

Ramsdens Holdings Technical Analysis

• Technical Analysis Sentiment: Negative
• Last Price: 210.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• RSI: Positive
• 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 210 is below the 20-day moving average (MA) of 234.07, below the 50-day MA of 230.49, and below the 200-day MA of 210.26, indicating a neutral trend. The MACD of -3.94 indicates Positive momentum. The RSI at 25.01 is Positive, neither overbought nor oversold. The STOCH value of 14.29 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	69 Neutral	£68.10M	8.24	16.30%	5.21%	14.08%	6.58%
MAB	66 Neutral	£1.32B	8.78	6.35%	―	4.27%	―
STJ	64 Neutral	£5.32B	13.83	35.30%	1.42%	36.14%	―
Sector *	62 Neutral	$8.17B	12.83	0.26%	3.07%	3.83%	-16.44%

Ramsdens Holdings Corporate Events

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.

Ramsdens Boosts Share Capital with New Issuance

Ramsdens Holdings PLC announced the issuance of 150,000 new ordinary shares following the exercise of options by CEO Peter Kenyon and CFO Martin Clyburn. The shares were sold at 226 pence each, and applications have been made for these shares to be admitted to AIM trading by February 3, 2025. This move increases the total voting rights to 32,046,632, impacting shareholders’ calculations under the FCA’s Disclosure Guidance and Transparency Rules.

Ramsdens Holdings Announces 2025 AGM Details and 2024 Annual Report Release

Ramsdens Holdings PLC has announced the availability of its 2024 Annual Report and notice of its 2025 Annual General Meeting, which will occur on 3 March 2025. This announcement underscores Ramsdens’ ongoing commitment to transparency and shareholder engagement as it continues to grow its operations within the financial services and retail sectors.

Ramsdens Holdings Achieves Record Profit in FY24

Ramsdens Holdings PLC announced a record year for the financial year ending September 2024, reporting a 12% increase in profit before tax to £11.4 million. This growth was driven by significant performances across its four core income streams, with the precious metals segment benefitting from high gold prices and contributing to a 29% increase in gross profit. The company also experienced growth in its pawnbroking, jewellery retail, and foreign currency sectors. Despite rising operational costs, Ramsdens remains confident in its diversified business model and has continued to expand, with new store openings and a focus on future growth and efficiency improvements. The company’s strong financial results underscore its positioning in the market and commitment to shareholder value, with an 8% increase in total dividends for the period.

Ramsdens Holdings Announces Investor Presentation for Annual Results

Ramsdens Holdings PLC has announced an upcoming investor presentation for its annual results, scheduled for January 15, 2025, by CEO Peter Kenyon and CFO Martin Clyburn. This presentation is open to both existing and potential shareholders, indicating Ramsdens’ commitment to transparency and stakeholder engagement, potentially impacting its market presence and investor relations.