RC365 Holding PLC (RCGH) AI Stock Analysis

• Market Cap: N/A
• Dividend Yield: N/A
• Average Volume (3M): 1.46M
• Price to Earnings (P/E): ―
• Beta (1Y): 0.21
• Revenue Growth: N/A
• EPS Growth: N/A
• Country: UK
• Employees: 25
• Sector: Technology
• Sector Strength: 88
• Industry: Software - Infrastructure
• EPS (TTM): N/A
• Shares Outstanding: 150,410,420
• 10 Day Avg. Volume: 125,409
• 30 Day Avg. Volume: 1,462,933
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £1.00
• Price Target Upside: -39.39% Downside
• Rating Consensus: Hold
• Number of Analyst Covering: 1

• Rating: 44 Neutral
• Price Target: 1.00p ▼(-39.39% Downside)

The overall stock score is primarily impacted by the company's weak financial performance, characterized by declining revenues and negative profitability. Technical analysis shows some bullish momentum, but the stock may be overbought. Valuation metrics are unfavorable due to a negative P/E ratio and lack of dividend yield.

RC365 Holding PLC Business Overview & Revenue Model

Company Description

RC365 Holding plc operates as a fintech solutions service provider in China and Hong Kong. It operates through Payment Gateway Solutions (Online and Offline) and IT Support and Security Services segments. The Payment Gateway Solutions (Online and Offline) segment offers secure payment gateway service to facilitate the banking needs of the Asian community for cross-border payment services. The IT Support and Security Services segment provides IT technical support services, cyber security consultation services, and portal support services to its clients. The company also focuses on providing payment gateway services in Europe and the United Kingdom. It offers its services to a range of customers, individuals, local SME retail groups, or cross-border customers. The company was founded in 2013 and is based in London, the United Kingdom. RC365 Holding plc is a subsidiary of LYS Limited.

How the Company Makes Money

RC365 generates revenue through multiple key streams. Primarily, the company earns money from transaction fees charged on its cryptocurrency exchange platform, where users buy and sell digital assets. Additionally, RC365 offers premium services such as advanced trading tools and analytics, which are available through subscription models. The company also partners with other financial institutions to provide white-label solutions, generating income through licensing agreements and shared revenue models. Furthermore, RC365 may engage in investment activities, such as holding digital assets, which can yield returns based on market fluctuations. The combination of these revenue streams, along with strategic partnerships, significantly contributes to the company’s financial performance.

RC365 Holding PLC Financial Statement Overview

Summary

RC365 Holding PLC is facing significant financial challenges, including declining revenues, negative profitability, and high leverage. Cash flow issues further exacerbate the financial instability, suggesting a need for strategic restructuring to improve financial health.

Income Statement

The income statement shows a declining revenue trend with a significant drop of 33.96% in the latest year. Gross profit margin remains positive but has decreased over time. The company is experiencing negative EBIT and net profit margins, indicating operational inefficiencies and challenges in achieving profitability.

Balance Sheet

The balance sheet reveals a high debt-to-equity ratio, indicating a reliance on debt financing. The equity ratio is low, suggesting potential financial instability. Return on equity is negative, reflecting the company's inability to generate profits from shareholders' equity.

Cash Flow

Cash flow analysis shows negative operating and free cash flows, with a slight improvement in free cash flow growth. The operating cash flow to net income ratio is negative, highlighting cash flow challenges. The free cash flow to net income ratio is positive but indicates reliance on non-operational cash sources.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	21.36M	14.11M	22.03M	16.88M	8.07M	7.39M
Gross Profit	4.57M	12.21M	7.85M	2.60M	2.93M	3.17M
EBITDA	-9.13M	-26.21M	-33.33M	-4.15M	-2.99M	1.29M
Net Income	-9.43M	-33.74M	-36.88M	-5.38M	-3.90M	1.48M
Balance Sheet
Total Assets	78.93M	22.08M	86.67M	38.82M	25.96M	8.95M
Cash, Cash Equivalents and Short-Term Investments	19.85M	11.78M	20.34M	10.59M	23.42M	4.31M
Total Debt	35.46M	3.88M	40.42M	5.50M	6.32M	1.27M
Total Liabilities	48.05M	16.33M	55.09M	7.79M	6.96M	4.04M
Stockholders Equity	30.88M	5.75M	31.58M	31.03M	19.01M	4.91M
Cash Flow
Free Cash Flow	-9.20M	-9.85M	4.64M	-6.05M	-420.92K	-2.64M
Operating Cash Flow	-9.18M	-9.30M	7.44M	-5.98M	-348.92K	-2.57M
Investing Cash Flow	3.54M	195.14K	-2.67M	-7.03M	-72.00K	-607.71K
Financing Cash Flow	4.61M	1.41M	4.59M	-1.20M	20.07M	-828.00K

RC365 Holding PLC Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 1.65
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Positive
• RSI: Neutral
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:RCGH, the sentiment is Positive. The current price of 1.65 is below the 20-day moving average (MA) of 1.74, above the 50-day MA of 1.34, and above the 200-day MA of 1.28, indicating a neutral trend. The MACD of 0.07 indicates Positive momentum. The RSI at 54.21 is Neutral, neither overbought nor oversold. The STOCH value of 56.36 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:RCGH.

RC365 Holding PLC Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
BOKU	73 Outperform	£732.92M	71.97	9.64%	―	22.19%	78.35%
BGO	70 Outperform	£71.20M	―	-10.50%	―	6.40%	70.78%
FIN	64 Neutral	£8.58M	25.86	13.03%	―	9.45%	-86.94%
Sector *	61 Neutral	$37.18B	12.37	-10.20%	1.83%	8.50%	-7.62%
CNS	61 Neutral	£55.06M	132.14	-9.83%	―	-5.43%	-292.31%
RCGH	44 Neutral	―	―	―	―	―	―

RC365 Holding PLC Corporate Events

RC365 Holding plc Successfully Passes All AGM Resolutions

RC365 Holding plc announced that all resolutions at its annual general meeting were passed, including the adoption of financial statements, approval of the Remuneration Committee Report, and reappointment of directors and auditors. The meeting also authorized directors to allot securities and disapply pre-emption provisions for certain circumstances. This development indicates strong shareholder support and positions the company for strategic growth and expansion in its target markets.

The most recent analyst rating on (GB:RCGH) stock is a Hold with a £1.00 price target. To see the full list of analyst forecasts on RC365 Holding PLC stock, see the GB:RCGH Stock Forecast page.

RC365 Holding plc Announces 2025 AGM and Annual Report Release

RC365 Holding plc has announced the posting of its Annual Report and Accounts for the year ending March 2025, along with the Notice of its 2025 Annual General Meeting. The AGM is scheduled for September 4, 2025, in Hong Kong. This announcement marks a significant step in the company’s ongoing operations and transparency efforts, potentially impacting its stakeholders by providing insights into its financial health and strategic direction.

RC365 Holding Clarifies Asset-Backed Card Strategy Amid Investor Interest

RC365 Holding plc has clarified recent investor speculation regarding its asset-backed card offering, confirming that its strategy includes supporting digital assets like stablecoins as part of its existing business model. The company emphasizes that this does not represent a strategic shift and continues to operate within its regulatory framework, ensuring compliance across markets. RC365 remains committed to transparent communication with stakeholders and will provide updates as necessary.

RC365 Holding Appoints Bowsprit Partners as Financial Adviser

RC365 Holding plc has appointed Bowsprit Partners Limited as its Financial Adviser to enhance its financial strategy and operations. This appointment is expected to strengthen RC365’s position in the fintech industry, particularly in cross-border equity capital markets, and support its expansion plans into new markets, including the UK and Europe.

RC365 Holding plc Reports 2025 Financial Results and Strategic Expansion

RC365 Holding plc announced its audited final results for the year ending 31 March 2025, showing a revenue increase to HKD14 million and a decrease in gross margin to 80%. The company reported a loss of HKD34 million, with significant impairment losses and a fair value loss on financial assets. Operational highlights include the acquisition of HC Capital Group Limited, holding a Money Lender License in Hong Kong, and funding support for a Malaysian subsidiary’s R&D center. The company is focused on expanding its product offerings and geographical reach, particularly in virtual banking, which is expected to drive future growth.