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Amigo Holdings

LSE:AMGO
Snowflake Description

High growth potential and fair value.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
AMGO
LSE
£1B
Market Cap
  1. Home
  2. GB
  3. Diversified Financials
Company description

Amigo Holdings PLC, through its subsidiaries, provides guarantor loans to individuals in the United Kingdom. The last earnings update was 49 days ago. More info.


Add to Portfolio Compare Print
  • Amigo Holdings has significant price volatility in the past 3 months.
AMGO Share Price and Events
7 Day Returns
4%
LSE:AMGO
1%
GB Consumer Finance
1%
GB Market
1 Year Returns
-
LSE:AMGO
-23.2%
GB Consumer Finance
1.6%
GB Market
AMGO Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Amigo Holdings (AMGO) 4% 29.6% 0.2% - - -
GB Consumer Finance 1% 1.7% -2.5% -23.2% -69.7% -61.4%
GB Market 1% 2.3% 8.6% 1.6% 14% 5.9%
1 Year Return vs Industry and Market
  • No trading data on AMGO.
  • No trading data on AMGO.
Price Volatility
Industry
5yr Volatility vs Market

AMGO Value

 Is Amigo Holdings undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Amigo Holdings to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Amigo Holdings.

LSE:AMGO Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Excess Returns Model
Stable EPS Weighted future Return on Equity estimates from 7 analysts.
= Stable Book Value * Return on Equity
= £0.75 * 40.9%
£0.31
Book Value of Equity per Share Weighted future Book Value estimates from 6 analysts. £0.75
Discount Rate (Cost of Equity) See below 7.5%
Perpetual Growth Rate 10-Year GB Government Bond Rate 1.2%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for LSE:AMGO
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 1.2%
Equity Risk Premium S&P Global 6.7%
Consumer Finance Unlevered Beta Simply Wall St/ S&P Global 0.68
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.685 (1 + (1- 19%) (39.97%))
0.937
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
0.94
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 1.23% + (0.937 * 6.65%)
7.46%

Discounted Cash Flow Calculation for LSE:AMGO using Excess Returns Model Model

The calculations below outline how an intrinsic value for Amigo Holdings is arrived at using the Excess Return Model. This approach is used for finance firms where free cash flow is difficult to estimate.

In the Excess Return Model the value of a firm can be written as the sum of capital invested currently in the firm and the present value of excess returns that the firm expects to make in the future.

The model is sensitive to the Return on Equity of the company versus the Cost of Equity, how these are calculated is detailed below the main calculation.

Note the calculations below are per share.

See our documentation to learn about this calculation.

LSE:AMGO Value of Excess Returns
Calculation Result
Excess Returns = (Stable Return on equity – Cost of equity) (Book Value of Equity per share)
= (40.9% – 7.46%) * £0.75)
£0.25
Terminal Value of Excess Returns = Excess Returns / (Cost of Equity - Expected Growth Rate)
= £0.25 / (7.46% - 1.23%)
£4.04
Value of Equity = Book Value per share + Terminal Value of Excess Returns
= £0.75 + £4.04
£4.79
LSE:AMGO Discount to Share Price
Calculation Result
Value per share (GBP) From above. £4.79
Current discount Discount to share price of £2.57
= -1 x (£2.57 - £4.79) / £4.79
46.3%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Amigo Holdings is available for.
Intrinsic value
46%
Share price is £2.57 vs Future cash flow value of £4.79
Current Discount Checks
For Amigo Holdings to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Amigo Holdings's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Amigo Holdings's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Amigo Holdings's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Amigo Holdings's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
LSE:AMGO PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2018-12-31) in GBP £0.16
LSE:AMGO Share Price ** LSE (2019-04-18) in GBP £2.57
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PE Ratio Median Figure of 12 Publicly-Listed Consumer Finance Companies 12.41x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 795 Publicly-Listed Companies 16.28x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Amigo Holdings.

LSE:AMGO PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= LSE:AMGO Share Price ÷ EPS (both in GBP)

= 2.57 ÷ 0.16

16.34x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Amigo Holdings is overvalued based on earnings compared to the GB Consumer Finance industry average.
  • Amigo Holdings is overvalued based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Amigo Holdings's expected growth come at a high price?
Raw Data
LSE:AMGO PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 16.34x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 7 Analysts
24.8%per year
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PEG Ratio Median Figure of 7 Publicly-Listed Consumer Finance Companies 0.66x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 563 Publicly-Listed Companies 1.49x

*Line of best fit is calculated by linear regression .

LSE:AMGO PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 16.34x ÷ 24.8%

0.66x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Amigo Holdings is good value based on expected growth next year.
Price based on value of assets
What value do investors place on Amigo Holdings's assets?
Raw Data
LSE:AMGO PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2018-12-31) in GBP £0.48
LSE:AMGO Share Price * LSE (2019-04-18) in GBP £2.57
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry PB Ratio Median Figure of 14 Publicly-Listed Consumer Finance Companies 1.69x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,365 Publicly-Listed Companies 1.52x
LSE:AMGO PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= LSE:AMGO Share Price ÷ Book Value per Share (both in GBP)

= 2.57 ÷ 0.48

5.38x

* Primary Listing of Amigo Holdings.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Amigo Holdings is overvalued based on assets compared to the GB Consumer Finance industry average.
X
Value checks
We assess Amigo Holdings's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Consumer Finance industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Consumer Finance industry average (and greater than 0)? (1 check)
  5. Amigo Holdings has a total score of 3/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

AMGO Future Performance

 How is Amigo Holdings expected to perform in the next 1 to 3 years based on estimates from 7 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
24.8%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Amigo Holdings expected to grow at an attractive rate?
  • Amigo Holdings's earnings growth is expected to exceed the low risk savings rate of 1.2%.
Growth vs Market Checks
  • Amigo Holdings's earnings growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
  • Amigo Holdings's revenue growth is expected to exceed the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
LSE:AMGO Future Growth Rates Data Sources
Data Point Source Value (per year)
LSE:AMGO Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 7 Analysts 24.8%
LSE:AMGO Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 7 Analysts 14.7%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Earnings Growth Rate Market Cap Weighted Average 23.9%
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Revenue Growth Rate Market Cap Weighted Average 13.3%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 11.1%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 4.8%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
LSE:AMGO Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below
All numbers in GBP Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
LSE:AMGO Future Estimates Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-03-31 417 1
2021-03-31 342 141 7
2020-03-31 295 116 7
2019-03-31 254 91 6
LSE:AMGO Past Financials Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income *
2018-12-31 262 21 75
2018-09-30 248 10 64
2018-06-30 231 3 51
2018-03-31 211 8 51
2017-12-31 180 57
2017-03-31 129 -11 33
2016-03-31 102 0 46

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Amigo Holdings's earnings are expected to grow significantly at over 20% yearly.
  • Amigo Holdings's revenue is expected to grow by 14.7% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
LSE:AMGO Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (3 months ago) See Below
Future Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below

All data from Amigo Holdings Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:AMGO Future Estimates Data
Date (Data in GBP Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-03-31
2021-03-31 0.30 0.31 0.29 5.00
2020-03-31 0.24 0.25 0.22 5.00
2019-03-31 0.19 0.20 0.19 4.00
LSE:AMGO Past Financials Data
Date (Data in GBP Millions) EPS *
2018-12-31 0.16
2018-09-30 0.13
2018-06-30 0.13
2018-03-31 50.60
2017-12-31 0.14
2017-03-31 32.60
2016-03-31

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Amigo Holdings is expected to make outstanding use of shareholders’ funds in the future (Return on Equity greater than 40%).
X
Future performance checks
We assess Amigo Holdings's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Amigo Holdings has a total score of 5/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

AMGO Past Performance

  How has Amigo Holdings performed over the past 5 years?

The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Amigo Holdings's growth in the last year to its industry (Consumer Finance).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Insufficient data to establish if Amigo Holdings's year on year earnings growth rate was positive over the past 5 years.
  • Unable to compare Amigo Holdings's 1-year earnings growth to the 5-year average due to insufficient past data.
  • Amigo Holdings's earnings growth has exceeded the GB Consumer Finance industry average in the past year (30.7% vs 19.9%).
Earnings and Revenue History
Amigo Holdings's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Amigo Holdings Company Filings, last reported 3 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

LSE:AMGO Past Revenue, Cash Flow and Net Income Data
Date (Data in GBP Millions) Revenue Net Income * G+A Expenses R&D Expenses
2018-12-31 261.90 74.80 83.40
2018-09-30 248.30 64.10 79.00
2018-06-30 230.80 51.10 76.00
2018-03-31 210.80 50.60 66.10
2017-12-31 180.02 57.23 58.40
2017-03-31 128.60 32.60 27.00
2016-03-31 102.10 45.60 25.20

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Whilst Amigo Holdings has efficiently used shareholders’ funds last year (Return on Equity greater than 20%), this is metric is skewed due to its high level of debt.
  • Amigo Holdings used its assets more efficiently than the GB Consumer Finance industry average last year based on Return on Assets.
  • Unable to establish if Amigo Holdings improved its use of capital last year versus 3 years ago (Return on Capital Employed) due to insufficient past data.
X
Past performance checks
We assess Amigo Holdings's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Consumer Finance industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Amigo Holdings has a total score of 2/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

AMGO Health

 How is Amigo Holdings's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Amigo Holdings's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Amigo Holdings is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Amigo Holdings's cash and other short term assets cover its long term commitments.
Balance sheet
This treemap shows a more detailed breakdown of Amigo Holdings's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • Low level of unsold assets.
  • Debt is covered by short term assets, assets are 1.5x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Amigo Holdings Company Filings, last reported 3 months ago.

LSE:AMGO Past Debt and Equity Data
Date (Data in GBP Millions) Total Equity Total Debt Cash & Short Term Investments
2018-12-31 227.10 488.30 30.00
2018-09-30 202.30 484.00 19.50
2018-06-30 -30.30 667.70 11.90
2018-03-31 -6.30 656.10 12.20
2017-12-31
2017-03-31 -56.90 463.30 4.40
2016-03-31 203.80 70.80 12.10
  • Amigo Holdings's level of debt (215%) compared to net worth is high (greater than 40%).
  • Unable to establish if Amigo Holdings's debt level has increased without past 5-year debt data.
  • Debt is not well covered by operating cash flow (4.3%, less than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 3.3x coverage).
X
Financial health checks
We assess Amigo Holdings's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Amigo Holdings has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

AMGO Dividends

 What is Amigo Holdings's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
1.46%
Current annual income from Amigo Holdings dividends. Estimated to be 4.55% next year.
If you bought £2,000 of Amigo Holdings shares you are expected to receive £29 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Amigo Holdings's pays a lower dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.01%).
  • Amigo Holdings's dividend is below the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (5.12%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
LSE:AMGO Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 7 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Consumer Finance Industry Average Dividend Yield Market Cap Weighted Average of 11 Stocks 3.2%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 705 Stocks 4.2%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 5.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

LSE:AMGO Future Dividends Estimate Data
Date (Data in £) Dividend per Share (annual) Avg. No. Analysts
2022-03-31
2021-03-31 0.14 7.00
2020-03-31 0.10 7.00
2019-03-31 0.06 5.00
LSE:AMGO Past Annualized Dividends Data
Date (Data in £) Dividend per share (annual) Avg. Yield (%)
2019-02-28 0.037 1.818
2018-11-27 0.037 1.464

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • It is too early to tell whether Amigo Holdings has stable dividend payments.
  • Amigo Holdings only just started paying a dividend, it is too early to tell if payments are increasing.
Current Payout to shareholders
What portion of Amigo Holdings's earnings are paid to the shareholders as a dividend.
  • Dividends paid are thoroughly covered by earnings (8.4x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be well covered by earnings (2.3x coverage).
X
Income/ dividend checks
We assess Amigo Holdings's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Amigo Holdings afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Amigo Holdings has a total score of 2/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

AMGO Management

 What is the CEO of Amigo Holdings's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Glen Crawford
CEO Bio

Mr. Glen P. Crawford has been the Chief Executive Officer of Amigo Holdings PLC and serves as its Director. Mr. Crawford serves as Chief Executive Officer of Amigo Loans Ltd and Amigo Management since October 2015. Mr. Crawford served as an Executive Director of Cabot Financial (Europe) Limited. He served as the Managing Director of Cabot Financial (Europe) Limited. Mr. Crawford served as General Counsel of Cabot Financial (Europe) Limited. Mr. Crawford served as Group Managing Director at Apex Credit Management Limited. He joined the Cabot Financial in April 1998 after acting as External Legal Counsel since Cabot Financial's inception. He is a corporate lawyer with over 10 years experience representing UK, US and international clients in a wide range of M & A, joint venture, venture capital and corporate finance transactions. He is a specialist in consumer credit and data protection law and joined as a Director of it from US law firm Mayer, Brown & Platt. He was articled with City law firm Gouldens (now Jones Day) where he practised for six years before being head-hunted by Mayer, Brown & Platt. He serves as Director at Apex Credit Management Limited. Mr. Crawford served as Non-Voting Observer at Cabot Credit Management Group Limited. He is a Solicitor of the Supreme Court, a member of the Law Society of England and Wales and a member of the Institute of Directors. He holds an LLB (Hons) from the University of Bristol.

CEO Compensation
  • Insufficient data for Glen to compare compensation growth.
  • Insufficient data for Glen to establish whether their remuneration is reasonable compared to companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team

Glen Crawford

TITLE
CEO & Director

Nayan Kisnadwala

TITLE
CFO & Executive Director
AGE
57
TENURE
0.3 yrs

Nick Beal

TITLE
Chief Regulatory & Public Affairs Officer
Board of Directors Tenure

Average tenure and age of the Amigo Holdings board of directors in years:

1.7
Average Tenure
57
Average Age
  • The average tenure for the Amigo Holdings board of directors is less than 3 years, this suggests a new board.
Board of Directors

Stephan Wilcke

TITLE
Independent Chairman
AGE
47
TENURE
3 yrs

Glen Crawford

TITLE
CEO & Director

Nayan Kisnadwala

TITLE
CFO & Executive Director
AGE
57
TENURE
0.3 yrs

Roger Lovering

TITLE
Senior Independent Non-Executive Director
AGE
58

Richard Price

TITLE
Independent Non-Executive Director
AGE
57
TENURE
3 yrs

Clare Salmon

TITLE
Non-Executive Director
AGE
55
TENURE
0.4 yrs
Who owns this company?
Recent Insider Trading
  • No 3 month insider trading information.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (£) Value (£)
X
Management checks
We assess Amigo Holdings's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Amigo Holdings has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

AMGO News

Simply Wall St News

Consider This Before Buying Amigo Holdings PLC (LON:AMGO) For The 1.6% Dividend

A sizeable part of portfolio returns can be produced by dividend stocks due to their contribution to compounding returns in the long run. … Let's dig deeper into whether Amigo Holdings should have a place in your portfolio. … When assessing a stock as a potential addition to my dividend Portfolio, I look at these five areas:

Simply Wall St -

Amigo Holdings PLC (LON:AMGO) Is Undervalued By 29.74%

Valuing AMGO, a financial stock, can be daunting since consumer financials generally have cash flows that are impacted by regulations that are not imposed upon other industries. … These lenders, for example, must hold certain levels of capital in order to maintain a safe cash cushion.

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Why Amigo Holdings PLC (LON:AMGO) Could Be Your Next Investment

Amigo Holdings PLC (LON:AMGO) is a stock with outstanding fundamental characteristics. … When we build an investment case, we need to look at the stock with a holistic perspective. … In the case of AMGO, it.

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Is Amigo Holdings PLC (LON:AMGO) A Strong Financials Bet?

is a consumer finance company operating in an industry, … Many aspects of consumer finance are being attacked by new competitors, whose key advantage is a leaner and technology-enabled operating model, allowing them to scale at a faster rate and meet changing consumer needs … Financial services analysts are forecasting for the entire industry,

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Does Amigo Holdings PLC's (LON:AMGO) PE Ratio Signal A Buying Opportunity?

This article is intended for those of you who are at the beginning of your investing journey. … and want to better understand how you can grow your money by investing in Amigo Holdings PLC (LON:AMGO). … Amigo Holdings PLC (LON:AMGO) is currently trading at a trailing P/E of 0.06x, which is lower than the industry average of 11.3x.

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AMGO Company Info

Description

Amigo Holdings PLC, through its subsidiaries, provides guarantor loans to individuals in the United Kingdom. The company was founded in 2005 and is based in Bournemouth, the United Kingdom. Amigo Holdings PLC is a subsidiary of Richmond Group Limited.

Details
Name: Amigo Holdings PLC
AMGO
Exchange: LSE
Founded: 2005
£1,221,607,763
475,333,760
Website: http://www.amigoplc.com
Address: Amigo Holdings PLC
Nova Building,
118-128 Commercial Road,
Bournemouth,
Hampshire, BH2 5LT,
United Kingdom
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
LSE AMGO Ordinary Shares London Stock Exchange GB GBP 29. Jun 2018
BATS-CHIXE AMGOL Ordinary Shares BATS 'Chi-X Europe' GB GBP 29. Jun 2018
Number of employees
Current staff
Staff numbers
264
Amigo Holdings employees.
Industry
Consumer Finance
Diversified Financials
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2019/04/18 22:51
End of day share price update: 2019/04/18 00:00
Last estimates confirmation: 2019/04/11
Last earnings filing: 2019/02/28
Last earnings reported: 2018/12/31
Last annual earnings reported: 2018/03/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

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 here.