LSE:AMGO

Stock Analysis Report

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Executive Summary

Amigo Holdings PLC, through its subsidiaries, provides guarantor loans to individuals in the United Kingdom. More Details


Snowflake Analysis

Fair value with moderate growth potential.


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

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


Market Performance


7 Day Return

-15.5%

AMGO

-3.3%

GB Consumer Finance

-1.9%

GB Market


1 Year Return

-88.2%

AMGO

-47.7%

GB Consumer Finance

-14.5%

GB Market

Return vs Industry: AMGO underperformed the UK Consumer Finance industry which returned -47.6% over the past year.

Return vs Market: AMGO underperformed the UK Market which returned -14.2% over the past year.


Shareholder returns

AMGOIndustryMarket
7 Day-15.5%-3.3%-1.9%
30 Day-12.9%1.1%-1.7%
90 Day11.9%8.9%-4.4%
1 Year-87.6%-88.2%-47.0%-47.7%-11.3%-14.5%
3 Yearn/a-58.3%-67.9%-9.0%-20.3%
5 Yearn/a-85.0%-90.0%15.3%-10.6%

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

Valuation

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

Below Fair Value: AMGO (£0.09) is trading below our estimate of fair value (£0.93)

Significantly Below Fair Value: AMGO is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: AMGO is unprofitable, so we can't compare its PE Ratio to the GB Consumer Finance industry average.

PE vs Market: AMGO is unprofitable, so we can't compare its PE Ratio to the UK market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate AMGO's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: AMGO is good value based on its PB Ratio (0.3x) compared to the GB Consumer Finance industry average (0.7x).


Next Steps

Future Growth

How is Amigo Holdings forecast to perform in the next 1 to 3 years based on estimates from 2 analysts?

77.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: AMGO is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.2%).

Earnings vs Market: AMGO is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: AMGO's is expected to become profitable in the next 3 years.

Revenue vs Market: AMGO's revenue is expected to decline over the next 3 years (-22% per year).

High Growth Revenue: AMGO's revenue is forecast to decline over the next 3 years (-22% per year).


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: AMGO's Return on Equity is forecast to be low in 3 years time (19.1%).


Next Steps

Past Performance

How has Amigo Holdings performed over the past 5 years?

-11.2%

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 11.2% 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 (13.7%).


Return on Equity

High ROE: AMGO has a negative Return on Equity (-24.81%), as it is currently unprofitable.


Next Steps

Financial Health

How is Amigo Holdings's financial position?


Financial Position Analysis

Short Term Liabilities: AMGO's short term assets (£494.0M) exceed its short term liabilities (£125.4M).

Long Term Liabilities: AMGO's short term assets (£494.0M) exceed its long term liabilities (£461.4M).


Debt to Equity History and Analysis

Debt Level: AMGO's debt to equity ratio (264.1%) is considered high.

Reducing Debt: Insufficient data to determine if AMGO's debt to equity ratio has reduced over the past 5 years.

Debt Coverage: AMGO's debt is well covered by operating cash flow (48.8%).

Interest Coverage: Insufficient data to determine if AMGO's interest payments on its debt are well covered by EBIT.


Balance Sheet


Next Steps

Dividend

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


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.


Current Payout to Shareholders

Dividend Coverage: AMGO is not paying a notable dividend for the UK market.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of AMGO's dividend in 3 years as they are not forecast to pay a notable one for the UK market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

1.5yrs

Average management tenure


CEO

Amigo Holdings has no CEO, or we have no data on them.


Leadership Team

NamePositionTenureCompensationOwnership
Nayan Kisnadwala
CFO & Executive Director1.75yrsUK£466.76k0.17%
£ 73.2k
Kate Patrick
Head of Investor Relationsno datano datano data
Siobhan Lee
Complaints Director0.083yrno datano data
Nicholas Beal
Chief Regulatory & Public Affairs Officerno datano data0.19%
£ 83.5k
Stephen King
Chief Customer Officerno datano data0.12%
£ 51.2k
Mark Paskowitz
Chief Risk Officer1.75yrsno datano data
Naynesh Patel
Chief Analytics Officerno datano data0.0092%
£ 4.1k
Roger Bennett
Company Secretary1.33yrsno datano data

1.5yrs

Average Tenure

Experienced Management: AMGO's management team is not considered experienced ( 1.5 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Nayan Kisnadwala
CFO & Executive Director1.75yrsUK£466.76k0.17%
£ 73.2k
Gary Jennison
Independent Non-Executive Director0.17yrno datano data
Maria Darby-Walker
Non-Executive Directorno datano datano data
Roger Lovering
Independent Non-Executive Director4.5yrsUK£64.38k0.070%
£ 31.0k
Richard Price
Independent Non-Executive Director4.5yrsUK£59.23k0.097%
£ 42.7k
Jonathan Roe
Independent Non-Executive Chairmanno datano datano data

3.1yrs

Average Tenure

59yo

Average Age

Experienced Board: AMGO's board of directors are considered experienced (3.1 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: AMGO insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

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£44.117m
  • Shares outstanding: 474.89m
  • 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

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
AMGOLSE (London Stock Exchange)YesOrdinary SharesGBGBPJun 2018
AMGOLBATS-CHIXE (BATS 'Chi-X Europe')YesOrdinary SharesGBGBPJun 2018

Biography

Amigo Holdings PLC, through its subsidiaries, provides guarantor loans to individuals in the United Kingdom. It also engages in trading business. The company was founded in 2005 and is based in Bournemouth ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/20 22:05
End of Day Share Price2020/10/20 00:00
Earnings2020/06/30
Annual Earnings2020/03/31


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.