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PCF Group (RLW) Stock Overview

PCF Group plc, together with its subsidiaries, provides hire purchase and finance lease services in the United Kingdom. More details

RLW fundamental analysis
Snowflake Score
Valuation	2/6
Future Growth	0/6
Past Performance	0/6
Financial Health	5/6
Dividends	0/6

Risk Analysis

Earnings have declined by 55.9% per year over past 5 years

Highly volatile share price over the past 3 months

Does not have a meaningful market cap (€3M)

Shareholders have been diluted in the past year

RLW Community Fair Values

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PCF Group plc Competitors

Price History & Performance

Summary of share price highs, lows and changes for PCF Group
Historical stock prices
Current Share Price	UK£0.0005
52 Week High	UK£0.14
52 Week Low	UK£0.0005
Beta	0.95
1 Month Change	0%
3 Month Change	0%
1 Year Change	n/a
3 Year Change	n/a
5 Year Change	n/a
Change since IPO	-99.81%

Recent updates

Shareholder Returns

	RLW	DE Consumer Finance	DE Market
7D	0%	1.1%	-0.7%
1Y	n/a	7.8%	2.0%

Return vs Industry: Insufficient data to determine how RLW performed against the German Consumer Finance industry.

Return vs Market: Insufficient data to determine how RLW performed against the German Market.

Price Volatility

Is RLW's price volatile compared to industry and market?
RLW volatility
RLW Average Weekly Movement	254.2%
Consumer Finance Industry Average Movement	5.9%
Market Average Movement	5.9%
10% most volatile stocks in DE Market	13.0%
10% least volatile stocks in DE Market	2.8%

Stable Share Price: RLW's share price has been volatile over the past 3 months.

Volatility Over Time: RLW's weekly volatility has increased from 165% to 254% over the past year.

About the Company

Founded	Employees	CEO	Website
1993	147	Garry Stran	pcf.bank/investors

PCF Group plc, together with its subsidiaries, provides hire purchase and finance lease services in the United Kingdom. It operates through four segments: Consumer Finance, Business Finance, Azule Finance, and Bridging Finance. The Consumer Finance segment provides consumer hire purchase, personal loan, and conditional sale finance for motor vehicles, such as classic cars, caravans, motorhomes, and horseboxes.

PCF Group plc Fundamentals Summary

How do PCF Group's earnings and revenue compare to its market cap?
RLW fundamental statistics
Market cap	€3.63m
Earnings (TTM)	-€13.33m
Revenue (TTM)	€22.40m

0.2x

P/S Ratio

-0.3x

P/E Ratio

Is RLW overvalued?

See Fair Value and valuation analysis

Earnings & Revenue

Key profitability statistics from the latest earnings report (TTM)
RLW income statement (TTM)
Revenue	UK£19.54m
Cost of Revenue	UK£1.36m
Gross Profit	UK£18.18m
Other Expenses	UK£29.81m
Earnings	-UK£11.63m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)	-0.035
Gross Margin	93.05%
Net Profit Margin	-59.53%
Debt/Equity Ratio	161.4%

How did RLW perform over the long term?

See historical performance and comparison

Company Analysis and Financial Data Status

Data	Last Updated (UTC time)
Company Analysis	2022/12/21 19:45
End of Day Share Price	2022/12/20 00:00
Earnings	2022/03/31
Annual Earnings	2021/09/30

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

Package	Data	Timeframe	Example US Source ^*
Company Financials	10 years	Income statement Cash flow statement Balance sheet	SEC Form 10-K SEC Form 10-Q
Analyst Consensus Estimates	+3 years	Forecast financials Analyst price targets	Analyst Research Reports Blue Matrix
Market Prices	30 years	Stock prices Dividends, Splits and Actions	ICE Market Data SEC Form S-1
Ownership	10 years	Top shareholders Insider trading	SEC Form 4 SEC Form 13D
Management	10 years	Leadership team Board of directors	SEC Form 10-K SEC Form DEF 14A
Key Developments	10 years	Company announcements	SEC Form 8-K

^* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

PCF Group plc is covered by 1 analysts. of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

Analyst	Institution
Vivek Raja	Shore Capital Group Ltd

PCF Group plcDB:RLW Stock Report