| Snowflake Score | |
|---|---|
| Valuation | 4/6 |
| Future Growth | 0/6 |
| Past Performance | 0/6 |
| Financial Health | 2/6 |
| Dividends | 0/6 |
AMGO Stock Overview
Amigo Holdings PLC, through its subsidiaries, provides guarantor loans to individuals in the United Kingdom and Ireland.
Amigo Holdings Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£0.046 |
| 52 Week High | UK£0.15 |
| 52 Week Low | UK£0.016 |
| Beta | 2.26 |
| 1 Month Change | -28.24% |
| 3 Month Change | -5.10% |
| 1 Year Change | -48.42% |
| 3 Year Change | -97.38% |
| 5 Year Change | n/a |
| Change since IPO | -98.38% |
Recent News & Updates
Shareholder Returns
| AMGO | GB Consumer Finance | GB Market | |
|---|---|---|---|
| 7D | -5.8% | -10.4% | -1.1% |
| 1Y | -48.4% | -53.3% | -9.7% |
Return vs Industry: AMGO exceeded the UK Consumer Finance industry which returned -53.3% over the past year.
Return vs Market: AMGO underperformed the UK Market which returned -9.7% over the past year.
Price Volatility
| AMGO volatility | |
|---|---|
| AMGO Average Weekly Movement | 17.1% |
| Consumer Finance Industry Average Movement | 6.7% |
| Market Average Movement | 5.4% |
| 10% most volatile stocks in GB Market | 10.6% |
| 10% least volatile stocks in GB Market | 2.8% |
Stable Share Price: AMGO is more volatile than 90% of UK stocks over the past 3 months, typically moving +/- 17% a week.
Volatility Over Time: AMGO's weekly volatility has decreased from 28% to 17% over the past year, but is still higher than 75% of UK stocks.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 2005 | 400 | Gary Jennison | https://www.amigoplc.com |
Amigo Holdings PLC, through its subsidiaries, provides guarantor loans to individuals in the United Kingdom and Ireland. It also engages in trading business. The company was founded in 2005 and is based in Bournemouth, the United Kingdom.
Amigo Holdings Fundamentals Summary
| AMGO fundamental statistics | |
|---|---|
| Market Cap | UK£22.05m |
| Earnings (TTM) | -UK£199.80m |
| Revenue (TTM) | UK£109.00m |
0.2x
P/S Ratio-0.1x
P/E RatioIs AMGO overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| AMGO income statement (TTM) | |
|---|---|
| Revenue | UK£109.00m |
| Cost of Revenue | UK£0 |
| Gross Profit | UK£109.00m |
| Other Expenses | UK£308.80m |
| Earnings | -UK£199.80m |
Last Reported Earnings
Dec 31, 2021
Next Earnings Date
n/a
| Earnings per share (EPS) | -0.42 |
| Gross Margin | 100.00% |
| Net Profit Margin | -183.30% |
| Debt/Equity Ratio | -197.0% |
How did AMGO perform over the long term?
See historical performance and comparisonValuation
Is AMGO undervalued compared to its fair value, analyst forecasts and its price relative to the market?
Valuation Score
4/6Valuation Score 4/6
Price-To-Book vs Peers
Price-To-Book vs Industry
Price-To-Book vs Fair Ratio
Below Fair Value
Significantly Below Fair Value
PEG Ratio
Key Valuation Metric
Which metric is best to use when looking at relative valuation for AMGO?
Other financial metrics that can be useful for relative valuation.
| What is AMGO's n/a Ratio? | |
|---|---|
| n/a Ratio | 0x |
| n/a | n/a |
| Market Cap | UK£22.05m |
| Key Statistics | |
|---|---|
| Enterprise Value/Revenue | n/a |
| Enterprise Value/EBITDA | n/a |
| PEG Ratio | n/a |
Price to Book Ratio vs Peers
How does AMGO's PB Ratio compare to its peers?
| AMGO PB Ratio vs Peers |
|---|
| Company | PB | Estimated Growth | Market Cap |
|---|---|---|---|
| Peer Average | 0.3x | ||
TSL ThinkSmart | 0.3x | n/a | UK£25.0m |
MCL Morses Club | 0.2x | n/a | UK£10.9m |
PCF PCF Group | 0.3x | n/a | UK£11.4m |
MFX Manx Financial Group | 0.4x | n/a | UK£10.0m |
AMGO Amigo Holdings | n/a | n/a | UK£22.0m |
Price-To-Book vs Peers: AMGO is good value based on its Price-To-Book Ratio (-0.2x) compared to the peer average (0.3x).
Price to Earnings Ratio vs Industry
How does AMGO's PE Ratio compare vs other companies in the European Consumer Finance Industry?
Price-To-Book vs Industry: AMGO is good value based on its Price-To-Book Ratio (-0.2x) compared to the UK Consumer Finance industry average (0.8x)
Price to Book Ratio vs Fair Ratio
What is AMGO's PB Ratio compared to its Fair PB Ratio? This is the expected PB Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.
| Fair Ratio | |
|---|---|
| Current PB Ratio | -0.2x |
| Fair PB Ratio | n/a |
Price-To-Book vs Fair Ratio: Insufficient data to calculate AMGO's Price-To-Book Fair Ratio for valuation analysis.
Share Price vs Fair Value
What is the Fair Price of AMGO when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.
Below Fair Value: AMGO (£0.05) is trading below our estimate of fair value (£38.84)
Significantly Below Fair Value: AMGO is trading below fair value by more than 20%.
Price to Earnings Growth Ratio
PEG Ratio: Insufficient data to calculate AMGO's PEG Ratio to determine if it is good value.
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Future Growth
How is Amigo Holdings forecast to perform in the next 1 to 3 years based on estimates from 0 analysts?
Future Growth Score
0/6Future Growth Score 0/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Future ROE
33.9%
Forecasted Diversified Financials industry annual growth in earnings
In this section we usually present revenue and earnings growth projections based on the consensus estimates of professional analysts to help investors understand the company’s ability to generate profit. But as Amigo Holdings has not provided enough past data and has no analyst forecast, its future earnings cannot be reliably calculated by extrapolating past data or using analyst predictions.
This is quite a rare situation as 97% of companies covered by SimplyWall St do have past financial data.
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- Examine whether Amigo Holdings is trading at an attractive price based on how much it is expected to earn in the future, and relative to its industry peers and the wider market.
- Amigo Holdings competitive advantages and company strategy can generally be found in its financial reports archived here.
Past Performance
How has Amigo Holdings performed over the past 5 years?
Past Performance Score
0/6Past Performance Score 0/6
Quality Earnings
Growing Profit Margin
Earnings Trend
Accelerating Growth
Earnings vs Industry
High ROE
-71.2%
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: AMGO is currently unprofitable.
Growing Profit Margin: AMGO is currently unprofitable.
Past Earnings Growth Analysis
Earnings Trend: AMGO is unprofitable, and losses have increased over the past 5 years at a rate of 71.2% per year.
Accelerating Growth: Unable to compare AMGO's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: AMGO is unprofitable, making it difficult to compare its past year earnings growth to the Consumer Finance industry (43.4%).
Return on Equity
High ROE: AMGO's liabilities exceed its assets, so it is difficult to calculate its Return on Equity.
Discover strong past performing companies
Financial Health
How is Amigo Holdings's financial position?
Financial Health Score
2/6Financial Health Score 2/6
Short Term Liabilities
Long Term Liabilities
Debt Level
Reducing Debt
Stable Cash Runway
Forecast Cash Runway
Financial Position Analysis
Short Term Liabilities: AMGO has negative shareholder equity, which is a more serious situation than short term assets not covering short term liabilities.
Long Term Liabilities: AMGO has negative shareholder equity, which is a more serious situation than short term assets not covering long term liabilities.
Debt to Equity History and Analysis
Debt Level: AMGO has negative shareholder equity, which is a more serious situation than a high debt level.
Reducing Debt: AMGO's has negative shareholder equity, so we do not need to check if its debt has reduced over time.
Balance Sheet
Cash Runway Analysis
For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.
Stable Cash Runway: Whilst unprofitable AMGO has sufficient cash runway for more than 3 years if it maintains its current positive free cash flow level.
Forecast Cash Runway: AMGO is unprofitable but has sufficient cash runway for more than 3 years, due to free cash flow being positive and growing by 56.6% per year.
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Dividend
What is Amigo Holdings's current dividend yield, its reliability and sustainability?
Dividend Score
0/6Dividend Score 0/6
Notable Dividend
High Dividend
Stable Dividend
Growing Dividend
Earnings Coverage
Future Dividend Coverage
Dividend Yield vs Market
Notable Dividend: Unable to evaluate AMGO's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate AMGO's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if AMGO's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if AMGO's dividend payments have been increasing.
Earnings Payout to Shareholders
Earnings Coverage: AMGO is not paying a notable dividend for the UK market.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as AMGO has not reported any payouts.
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Management
How experienced are the management team and are they aligned to shareholders interests?
1.6yrs
Average management tenure
CEO
Gary Jennison (65 yo)
1.83yrs
Tenure
UK£668,433
Compensation
Mr. Gary Antony Jennison has been Director at Amigo Holdings PLC since August 17, 2020 and serves as its Chief Executive Officer since September 23, 2020. He serves as a Director of Solutions Consultants L...
CEO Compensation Analysis
Compensation vs Market: Gary's total compensation ($USD804.13K) is above average for companies of similar size in the UK market ($USD344.95K).
Compensation vs Earnings: Insufficient data to compare Gary's compensation with company performance.
Leadership Team
Experienced Management: AMGO's management team is not considered experienced ( 1.6 years average tenure), which suggests a new team.
Board Members
Experienced Board: AMGO's board of directors are not considered experienced ( 1.8 years average tenure), which suggests a new board.
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Amigo Holdings PLC's 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
- Implied Market Cap: UK£22.050m
- Shares outstanding: 474.19m
- Website: https://www.amigoplc.com
Number of Employees
Location
- Amigo Holdings PLC
- Nova Building
- 118-128 Commercial Road
- Bournemouth
- Dorset
- BH2 5LT
- United Kingdom
Listings
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2022/07/03 00:00 |
| End of Day Share Price | 2022/07/01 00:00 |
| Earnings | 2021/12/31 |
| Annual Earnings | 2021/03/31 |
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.