Amigo Holdings
Market Cap
UK£44.1m
Last Updated
2020/10/20 22:05 UTC
Data Sources
Company Financials +
Executive Summary
Amigo Holdings PLC, through its subsidiaries, provides guarantor loans to individuals in the United Kingdom. More Details
Rewards
Risk Analysis
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
| AMGO | Industry | Market | |
|---|---|---|---|
| 7 Day | -15.5% | -3.3% | -1.9% |
| 30 Day | -12.9% | 1.1% | -1.7% |
| 90 Day | 11.9% | 8.9% | -4.4% |
| 1 Year | -87.6%-88.2% | -47.0%-47.7% | -11.3%-14.5% |
| 3 Year | n/a | -58.3%-67.9% | -9.0%-20.3% |
| 5 Year | n/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
5 months ago | Simply Wall St
If You Had Bought Amigo Holdings (LON:AMGO) Stock A Year Ago, You'd Be Sitting On A 89% Loss, Today7 months ago | Simply Wall St
Trade Alert: Glen Crawford At Amigo Holdings PLC (LON:AMGO), Has Just Spent UK£1.2m Buying Shares7 months ago | Simply Wall St
A Sliding Share Price Has Us Looking At Amigo Holdings PLC's (LON:AMGO) P/E RatioValuation
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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CFO & Executive Director | 1.75yrs | UK£466.76k | 0.17% £ 73.2k | |
| Head of Investor Relations | no data | no data | no data | |
| Complaints Director | 0.083yr | no data | no data | |
| Chief Regulatory & Public Affairs Officer | no data | no data | 0.19% £ 83.5k | |
| Chief Customer Officer | no data | no data | 0.12% £ 51.2k | |
| Chief Risk Officer | 1.75yrs | no data | no data | |
| Chief Analytics Officer | no data | no data | 0.0092% £ 4.1k | |
| Company Secretary | 1.33yrs | no data | no 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
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| CFO & Executive Director | 1.75yrs | UK£466.76k | 0.17% £ 73.2k | |
| Independent Non-Executive Director | 0.17yr | no data | no data | |
| Non-Executive Director | no data | no data | no data | |
| Independent Non-Executive Director | 4.5yrs | UK£64.38k | 0.070% £ 31.0k | |
| Independent Non-Executive Director | 4.5yrs | UK£59.23k | 0.097% £ 42.7k | |
| Independent Non-Executive Chairman | no data | no data | no 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
| 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 also engages in trading business. The company was founded in 2005 and is based in Bournemouth ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2020/10/20 22:05 |
| End of Day Share Price | 2020/10/20 00:00 |
| Earnings | 2020/06/30 |
| Annual Earnings | 2020/03/31 |
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.