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CAB Payments Holdings Limited
(LSE:CABP)
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Rating:69Neutral
Price Target:
91.00 p
▲(11.66% Upside)
Action:Reiterated
Date:09/23/26
Overall score is driven primarily by mixed financial performance: strong balance-sheet positioning and improved profitability are offset by weak and volatile cash flow (negative operating and free cash flow in TTM). Valuation is a key positive with a low P/E and a moderate dividend yield, while technicals are supportive with price above major moving averages and a positive MACD.
Positive Factors
Revenue Growth
Revenue growth of nearly 19% indicates renewed demand for CABP’s cross-border payments and foreign-exchange services. If sustained, stronger transaction activity can improve operating leverage, support investment in corridor infrastructure, and reinforce the company’s position in emerging-market payment flows.
Negative Factors
Weak Cash Conversion
Negative operating and free cash flow despite positive profitability indicate that reported earnings are not currently converting consistently into cash. This can constrain reinvestment, reduce flexibility in managing payment flows, and increase execution risk over the next several quarters.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Revenue growth of nearly 19% indicates renewed demand for CABP’s cross-border payments and foreign-exchange services. If sustained, stronger transaction activity can improve operating leverage, support investment in corridor infrastructure, and reinforce the company’s position in emerging-market payment flows.
Read all positive factors
CAB Payments Holdings Limited (CABP) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£208.14M
Dividend Yield0.03%
Average Volume (3M)87.37K
Price to Earnings (P/E)6.8
Beta (1Y)0.83
Revenue Growth18.95%
EPS Growth230.36%
CountryUK
Employees378
SectorFinancial
Sector Strength70
IndustryBanks - Regional
Share Statistics
EPS (TTM)N/A
Shares Outstanding254,143,220
10 Day Avg. Volume100,171
30 Day Avg. Volume87,366
Financial Highlights & Ratios
PEG Ratio-2.50
Price to Book (P/B)0.98
Price to Sales (P/S)1.07
P/FCF Ratio-15.25
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
CAB Payments Holdings Limited Business Overview & Revenue Model
Company Description
CAB Payments Holdings Limited, through its subsidiaries, provides foreign exchange (FX) and cross-border payments services to banks, fintech companies, supranationals, and governments in the United Kingdom and internationally. The company offers E...
How the Company Makes Money
CAB Payments Holdings Limited makes money mainly by charging for executing and settling cross-border payments and by earning income from foreign-exchange (FX) services linked to those payments. Key revenue streams typically include: (1) FX revenue...
CAB Payments Holdings Limited Financial Statement Overview
Summary
Income Statement
66
Positive
Balance Sheet
78
Positive
Cash Flow
38
Negative
| Breakdown | TTM | Dec 2025 | Dec 2024 | Dec 2023 | Dec 2022 | Dec 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 205.79M | 147.38M | 105.54M | 167.92M | 32.97M | 57.36M |
| Gross Profit | 128.99M | 117.72M | 105.54M | 137.07M | -7.62M | -7.62M |
| EBITDA | 31.72M | 29.14M | 0.00 | 43.47M | -37.38M | 13.63M |
| Net Income | 31.11M | 13.56M | 14.21M | 22.71M | 31.00M | 7.14M |
Balance Sheet | ||||||
| Total Assets | 2.01B | 1.66B | 1.80B | 1.73B | 1.49B | 1.32B |
| Cash, Cash Equivalents and Short-Term Investments | 195.53M | 257.87M | 1.08B | 1.05B | 816.84M | 1.01B |
| Total Debt | 18.06M | 19.04M | 18.07M | 884.00K | 1.28M | 819.00K |
| Total Liabilities | 1.84B | 1.50B | 1.66B | 1.60B | 1.37B | 1.23B |
| Stockholders Equity | 171.53M | 160.72M | 146.55M | 131.53M | 108.25M | 76.34M |
Cash Flow | ||||||
| Free Cash Flow | -9.37M | -10.32M | 70.02M | 21.31M | -263.36M | 313.59M |
| Operating Cash Flow | -8.97M | -10.18M | 84.97M | 21.73M | -258.47M | 318.21M |
| Investing Cash Flow | -432.87M | -544.12M | -14.97M | 40.80M | -4.88M | -4.84M |
| Financing Cash Flow | 240.81M | -71.84M | -539.00K | 226.66M | -232.00K | 268.00K |
CAB Payments Holdings Limited Technical Analysis
Neutral
81.50
Price Trends
82.55
Negative
79.66
Positive
79.58
Positive
Market Momentum
-0.10
Positive
47.90
Neutral
33.33
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:CABP, the sentiment is Neutral. The current price of 81.5 is below the 20-day moving average (MA) of 82.77, below the 50-day MA of 82.55, and above the 200-day MA of 79.58, indicating a neutral trend. The MACD of -0.10 indicates Positive momentum. The RSI at 47.90 is Neutral, neither overbought nor oversold. The STOCH value of 33.33 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:CABP.
CAB Payments Holdings Limited Peers Comparison
UnderperformOutperform
Sector (68)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
70 Outperform | £50.23B | 6.69 | 16.16% | 5.51% | 2.78% | 24.91% | |
69 Neutral | £208.14M | 6.79 | 18.73% | 0.03% | 18.95% | 230.36% | |
68 Neutral | $18.00B | 11.42 | 9.92% | 3.81% | 9.73% | 1.22% | |
67 Neutral | £221.49B | 11.16 | 14.16% | 4.31% | -3.54% | 58.76% | |
64 Neutral | £57.47B | 8.54 | 10.79% | 2.66% | 6.60% | 23.56% | |
59 Neutral | £45.67B | 11.76 | 11.30% | 2.44% | -9.55% | 21.01% | |
57 Neutral | £253.98M | 10.73 | 6.44% | 2.57% | -8.35% | 5.35% |
* Financial Sector Average
GB:CABP
CAB Payments Holdings Limited
81.90
32.32
65.19%
GB:STAN
Standard Chartered
2,108.00
594.03
39.24%
GB:BARC
Barclays
432.10
34.29
8.62%
GB:HSBA
HSBC Holdings
1,292.60
275.26
27.06%
GB:NWG
NatWest Group
635.20
83.78
15.19%
GB:STB
Secure Trust Bank
1,404.00
455.27
47.99%
CAB Payments Holdings Limited Corporate Events
Business Operations and StrategyDividendsFinancial DisclosuresM&A Transactions
CAB Payments Board Rejects Helios Bid as Results Underscore Growth Momentum
Positive
Aug 13, 2026
CAB Payments has reaffirmed its confidence in its standalone strategy after reporting strong interim results for the half year to 30 June 2026, including total income growth of 31% to about £68m, Adjusted EBITDA up 82% to roughly £24m, A...
Business Operations and StrategyExecutive/Board ChangesFinancial Disclosures
CAB Payments Chair Ann Cairns to Step Down Amid Renewed Growth and Takeover Interest
Positive
Aug 6, 2026
CAB Payments Holdings has announced that Chair Ann Cairns intends to step down as chair and director of both CAB Payments and Crown Agents Bank by the end of 2026, triggering a formal search process for her successor led by the nomination committe...
Business Operations and StrategyDividendsFinancial Disclosures
CAB Payments posts strong H1 2026 results and launches inaugural dividend
Positive
Aug 6, 2026
CAB Payments reported strong interim results for the six months to 30 June 2026, with total income up 31% year-on-year to £67.6m and adjusted profit after tax rising 152% to £13.6m, driving an adjusted return on target capital above 26%....
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.