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AMGO

Amigo Holdings LSE:AMGO Stock Report

Last Price

UK£0.046

Market Cap

UK£22.0m

7D

-5.8%

1Y

-48.4%

Updated

03 Jul, 2022

Data

Company Financials
AMGO fundamental analysis
Snowflake Score
Valuation4/6
Future Growth0/6
Past Performance0/6
Financial Health2/6
Dividends0/6

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

Summary of all time highs, changes and price drops for Amigo Holdings
Historical stock prices
Current Share PriceUK£0.046
52 Week HighUK£0.15
52 Week LowUK£0.016
Beta2.26
1 Month Change-28.24%
3 Month Change-5.10%
1 Year Change-48.42%
3 Year Change-97.38%
5 Year Changen/a
Change since IPO-98.38%

Recent News & Updates

Shareholder Returns

AMGOGB Consumer FinanceGB 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

Is AMGO's price volatile compared to industry and market?
AMGO volatility
AMGO Average Weekly Movement17.1%
Consumer Finance Industry Average Movement6.7%
Market Average Movement5.4%
10% most volatile stocks in GB Market10.6%
10% least volatile stocks in GB Market2.8%

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

FoundedEmployeesCEOWebsite
2005400Gary Jennisonhttps://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

How do Amigo Holdings's earnings and revenue compare to its market cap?
AMGO fundamental statistics
Market CapUK£22.05m
Earnings (TTM)-UK£199.80m
Revenue (TTM)UK£109.00m

0.2x

P/S Ratio

-0.1x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
AMGO income statement (TTM)
RevenueUK£109.00m
Cost of RevenueUK£0
Gross ProfitUK£109.00m
Other ExpensesUK£308.80m
Earnings-UK£199.80m

Last Reported Earnings

Dec 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.42
Gross Margin100.00%
Net Profit Margin-183.30%
Debt/Equity Ratio-197.0%

How did AMGO perform over the long term?

See historical performance and comparison
We’ve recently updated our valuation analysis.

Valuation

Is AMGO undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

4/6

Valuation 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.

AMGO key valuation metrics and ratios. From Price to Earnings, Price to Sales and Price to Book to Price to Earnings Growth Ratio, Enterprise Value and EBITDA.
Key Statistics
Enterprise Value/Revenuen/a
Enterprise Value/EBITDAn/a
PEG Ration/a

Price to Book Ratio vs Peers

How does AMGO's PB Ratio compare to its peers?

AMGO PB Ratio vs Peers
The above table shows the PB ratio for AMGO vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyPBEstimated GrowthMarket Cap
Peer Average0.3x
TSL ThinkSmart
0.3xn/aUK£25.0m
MCL Morses Club
0.2xn/aUK£10.9m
PCF PCF Group
0.3xn/aUK£11.4m
MFX Manx Financial Group
0.4xn/aUK£10.0m
AMGO Amigo Holdings
n/an/aUK£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.

AMGO PB Ratio vs Fair Ratio.
Fair Ratio
Current PB Ratio-0.2x
Fair PB Ration/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

0/6

Future 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.


Discover growth companies

  • 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

0/6

Past 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

2/6

Financial 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

0/6

Dividend 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

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/07/03 00:00
End of Day Share Price2022/07/01 00:00
Earnings2021/12/31
Annual Earnings2021/03/31


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.