Amigo Holdings
Market Cap
UK£374.4m
Last Updated
2019/10/16 21:54 UTC
Data Sources
Company Financials +
Executive Summary
Amigo Holdings PLC, through its subsidiaries, provides guarantor loans to individuals in the United Kingdom.
Snowflake
Fundamentals
Very undervalued with proven track record and pays a dividend.
Similar Companies
Share Price & News
How has Amigo Holdings's share price performed over time and what events caused price changes?
Latest Share Price and Events
Market Performance
7 Day Return
9.4%
AMGO
4.1%
GB Consumer Finance
1.9%
GB Market
1 Year Return
-64.9%
AMGO
-41.5%
GB Consumer Finance
2.4%
GB Market
Return vs Industry: AMGO underperformed the UK Consumer Finance industry which returned -41.5% over the past year.
Return vs Market: AMGO underperformed the UK Market which returned 2.4% over the past year.
Shareholder returns
| AMGO | Industry | Market | |
|---|---|---|---|
| 7 Day | 9.4% | 4.1% | 1.9% |
| 30 Day | 5.8% | -1.9% | -1.1% |
| 90 Day | -54.3% | -14.4% | -1.8% |
| 1 Year | -63.1%-64.9% | -39.1%-41.5% | 7.4%2.4% |
| 3 Year | n/a | -62.6%-73.5% | 18.2%3.7% |
| 5 Year | n/a | -53.2%-69.0% | 35.7%6.1% |
Price Volatility Vs. Market
How volatile is Amigo Holdings's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall St
Richard Price Is The Independent Non-Executive Director of Amigo Holdings PLC (LON:AMGO) And They Just Spent UK£93k On Shares1 month ago | Simply Wall St
How Does Amigo Holdings's (LON:AMGO) P/E Compare To Its Industry, After The Share Price Drop?2 months ago | Simply Wall St
Imagine Owning Amigo Holdings (LON:AMGO) And Wondering If The 49% Share Price Slide Is JustifiedValuation
Is Amigo Holdings undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Undervalued: AMGO (£0.78) is trading below our estimate of fair value (£2.59)
Significantly Undervalued: AMGO is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: AMGO is good value based on its PE Ratio (3.9x) compared to the Consumer Finance industry average (10.9x).
PE vs Market: AMGO is good value based on its PE Ratio (3.9x) compared to the UK market (16.5x).
Price to Earnings Growth Ratio
Low PEG Ratio: AMGO is good value based on its PEG Ratio (0.5x)
Price to Book Ratio
PB vs Industry: AMGO is good value based on its PB Ratio (1.4x) compared to the GB Consumer Finance industry average (1.4x).
Next Steps
Future Growth
How is Amigo Holdings forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?
7.9%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: AMGO's forecast earnings growth (7.9% per year) is above the savings rate (1.2%).
Earnings vs Market: AMGO's earnings (7.9% per year) are forecast to grow slower than the UK market (12.6% per year).
High Growth Earnings: AMGO's earnings are forecast to grow, but not significantly.
Revenue vs Market: AMGO's revenue (6% per year) is forecast to grow faster than the UK market (3.9% per year).
High Growth Revenue: AMGO's revenue (6% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
High Future ROE: AMGO's Return on Equity is forecast to be high in 3 years time (31.6%)
Next Steps
Past Performance
How has Amigo Holdings performed over the past 5 years?
26.3%
Historical annual earnings growth
Earnings and Revenue History
Past Earnings Growth Analysis
Earnings Trend: AMGO's earnings have grown significantly by 26.3% per year over the past 5 years.
Accelerating Growth: AMGO's earnings growth over the past year (84.7%) exceeds its 5-year average (26.3% per year).
Earnings vs Industry: AMGO earnings growth over the past year (84.7%) exceeded the Consumer Finance industry 7.8%.
Return on Equity
High ROE: Whilst AMGO's Return on Equity (36%) is high, this metric is skewed due to their high level of debt.
Return on Assets
ROA vs Industry: AMGO has a higher Return on Assets than the Consumer Finance industry average last year.
Return on Capital Employed
ROCE Improving: AMGO's Return on Capital Employed has declined over the past 3 years.
Next Steps
Financial Health
How is Amigo Holdings's financial position? (This company is analysed differently as a bank or financial institution)
Financial Position Analysis
Debt to Equity History and Analysis
Balance Sheet
Inventory Level: AMGO has a low level of unsold assets or inventory.
Debt Coverage by Assets: AMGO's debt is not covered by short term assets (assets are 0.9x debt).
Financial Institutions Analysis
Asset Level: AMGO's level of assets compared to its equity is low.
Allowance for Bad Loans: Insufficient data to determine if AMGO has a sufficient allowance for bad loans.
Low Risk Liabilities: AMGO reports no customer deposits, loans are made up entirely of externally borrowed funds.
Loan Level: Insufficient data to determine if AMGO has an acceptable proportion of non-loan assets held.
Low Risk Deposits: AMGO has advanced significantly more loans than the customer deposits it holds.
Level of Bad Loans: Insufficient data to determine if AMGO has an appropriate level of bad loans.
Next Steps
Dividend
What is Amigo Holdings's current dividend yield, its reliability and sustainability?
11.93%
Current Dividend Yield
Dividend Yield vs Market
Current dividend yield vs market & industry
Stability and Growth of Payments
Notable Dividend: AMGO's dividend (11.93%) is higher than the bottom 25% of dividend payers in the UK market (2%).
High Dividend: AMGO's dividend (11.93%) is in the top 25% of dividend payers in the UK market (5.42%)
Stable Dividend: Too early to tell whether AMGO's dividend payments have been stable as they only just started paying a dividend.
Growing Dividend: Too early to tell if AMGO's dividend payments are increasing as they only just started paying a dividend.
Current Payout to Shareholders
Dividend Coverage: With its reasonably low payout ratio (46.9%), AMGO's dividend payments are well covered by earnings.
Future Payout to Shareholders
Future Dividend Coverage: AMGO's dividends in 3 years are forecast to be well covered by earnings (50% payout ratio).
Next Steps
Management
What is the CEO of Amigo Holdings's salary, the management and board of directors tenure and is there insider trading?
0.4yrs
Average management tenure
CEO
Hamish Paton 0
0.3yrs
Tenure
Mr. Hamish S. Paton serves as Chief Executive officer at Amigo Holdings PLC since July 29, 2019 and has been its Executive Director since May 2019. Mr. Paton served as Chief Commercial Officer and Director ...
Management Age and Tenure
0.4yrs
Average Tenure
56yo
Average Age
Experienced Management: AMGO's management team is not considered experienced ( 0.4 years average tenure), which suggests a new team.
Board Age and Tenure
0.9yrs
Average Tenure
58yo
Average Age
Experienced Board: AMGO's board of directors are not considered experienced ( 0.9 years average tenure), which suggests a new board.
Insider Trading
Insider Buying: AMGO insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
| Entity | Individual |
| Role | Member of the Board of Directors Independent Non-Executive Director |
| Shares | 126,569 |
| Max Price | UK£0.73 |
| Entity | Individual |
| Shares | 13,254 |
| Max Price | UK£0.75 |
| Entity | Individual |
| Role | Senior Key Executive Chief Analytics Officer |
| Shares | 15,840 |
| Max Price | UK£0.76 |
Ownership Breakdown
Management Team
Nayan Kisnadwala (58yo)
CFO & Executive Director
- Tenure: 0.8yrs
- Compensation: UK£551.85k
Roger Bennett (56yo)
Company Secretary
- Tenure: 0.3yrs
Hamish Paton
CEO & Executive Director
- Tenure: 0.3yrs
Mark Paskowitz
Chief Risk Officer
- Tenure: 0.8yrs
Helen Hancock (48yo)
Chief People Officer
- Tenure: 0.3yrs
Deborah Green
Chief Operating Officer
- Tenure: 0.6yrs
Stephen King
Chief Customer Officer
- Tenure: 0yrs
Naynesh Patel
Chief Analytics Officer
- Tenure: 0yrs
Board Members
Stephan Wilcke (48yo)
Independent Chairman
- Tenure: 3.5yrs
- Compensation: UK£44.99m
Clare Salmon (56yo)
Independent Non-Executive Director
- Tenure: 0.9yrs
- Compensation: UK£23.43k
Nayan Kisnadwala (58yo)
CFO & Executive Director
- Tenure: 0.8yrs
- Compensation: UK£551.85k
Hamish Paton
CEO & Executive Director
- Tenure: 0.3yrs
Roger Lovering (59yo)
Senior Independent Non-Executive Director
- Tenure: 0yrs
- Compensation: UK£1.26m
Richard Price (58yo)
Independent Non-Executive Director
- Tenure: 3.5yrs
- Compensation: UK£1.26m
Company Information
Amigo Holdings PLC's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Amigo Holdings PLC
- Ticker: AMGO
- Exchange: LSE
- Founded: 2005
- Industry: Consumer Finance
- Sector: Diversified Financials
- Market Cap: UK£374.420m
- Shares outstanding: 475.33m
- Website: https://www.amigoplc.com
Number of Employees
Location
- Amigo Holdings PLC
- Nova Building
- 118-128 Commercial Road
- Bournemouth
- Hampshire
- BH2 5LT
- United Kingdom
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| AMGO | LSE (London Stock Exchange) | Yes | Ordinary Shares | GB | GBP | Jun 2018 |
| AMGOL | BATS-CHIXE (BATS 'Chi-X Europe') | Yes | Ordinary Shares | GB | GBP | Jun 2018 |
Biography
Amigo Holdings PLC, through its subsidiaries, provides guarantor loans to individuals in the United Kingdom. It is also involved in trading business. The company was founded in 2005 and is based in Bournem ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2019/10/16 21:54 |
| End of Day Share Price | 2019/10/16 00:00 |
| Earnings | 2019/06/30 |
| Annual Earnings | 2019/03/31 |
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.