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RC365 Holding PLC
(LSE:RCGH)
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Rating:48Neutral
Price Target:
7.00 p
▲(169.23% Upside)
Action:Reiterated
Date:10/02/26
The score is held down primarily by weak financial fundamentals: persistent losses, recurring cash burn, and negative equity that increases financing risk. Technicals are a partial offset due to strong trend momentum, but overbought indicators temper that support. Valuation also remains constrained because losses drive a negative P/E and no dividend yield is available.
Positive Factors
Long-term Revenue Scale
Revenue more than tripled across the period, indicating that the business has expanded its commercial scale and customer or market reach. If this larger revenue base can be retained and converted into better margins, it provides a foundation for improving operating leverage and future earnings potential.
Negative Factors
Persistent Losses
Repeated losses indicate that the current operating model has not yet converted revenue growth into sustainable earnings. The deeply negative 2026 net margin leaves limited internal funding capacity, increases reliance on financing, and makes future profitability dependent on substantial cost or execution improvements.
Read all positive and negative factors
Positive Factors
Negative Factors
Long-term Revenue Scale
Revenue more than tripled across the period, indicating that the business has expanded its commercial scale and customer or market reach. If this larger revenue base can be retained and converted into better margins, it provides a foundation for improving operating leverage and future earnings potential.
Read all positive factors
RC365 Holding PLC (RCGH) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£14.47M
Dividend YieldN/A
Average Volume (3M)3.99M
Price to Earnings (P/E)―
Beta (1Y)0.94
Revenue GrowthN/A
EPS GrowthN/A
CountryUK
Employees26
SectorTechnology
Sector Strength88
IndustryInformation Technology Services
Share Statistics
EPS (TTM)-0.09
Shares Outstanding211,001,330
10 Day Avg. Volume7,582,976
30 Day Avg. Volume3,990,679
Financial Highlights & Ratios
PEG Ratio0.02
Price to Book (P/B)-2.69
Price to Sales (P/S)0.85
P/FCF Ratio-2.01
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
RC365 Holding PLC Business Overview & Revenue Model
Company Description
RC365 Holding plc, an investment holding company, operates as a fintech solutions service provider in Hong Kong, Greater China, Malaysia, Singapore, the United Kingdom, and Europe. It offers IT support and security, online and offline payment gate...
RC365 Holding PLC Financial Statement Overview
Summary
Income Statement
24
Negative
Balance Sheet
18
Very Negative
Cash Flow
22
Negative
| Breakdown | Mar 2025 | Mar 2024 | Mar 2023 | Sep 2022 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 22.14M | 14.11M | 22.03M | 16.88M | 8.07M |
| Gross Profit | 8.31M | 12.21M | 7.85M | 2.60M | 2.93M |
| EBITDA | -10.58M | -26.21M | -33.33M | -4.15M | 1.83M |
| Net Income | -12.88M | -33.74M | -36.88M | -5.38M | -3.90M |
Balance Sheet | |||||
| Total Assets | 11.12M | 22.08M | 86.67M | 38.82M | 25.96M |
| Cash, Cash Equivalents and Short-Term Investments | 2.84M | 11.78M | 20.34M | 10.59M | 23.42M |
| Total Debt | 4.43M | 3.88M | 40.42M | 5.50M | 6.32M |
| Total Liabilities | 18.08M | 16.33M | 55.09M | 7.79M | 6.96M |
| Stockholders Equity | -6.96M | 5.75M | 31.58M | 31.03M | 19.01M |
Cash Flow | |||||
| Free Cash Flow | -9.32M | -9.85M | 4.64M | -6.05M | -420.92K |
| Operating Cash Flow | -7.08M | -9.30M | 7.44M | -5.98M | -348.92K |
| Investing Cash Flow | -1.69M | 195.14K | -2.67M | -7.03M | -72.00K |
| Financing Cash Flow | -413.60K | 1.41M | 4.59M | -1.20M | 20.07M |
RC365 Holding PLC Technical Analysis
Positive
2.60
Price Trends
3.50
Positive
2.74
Positive
2.06
Positive
Market Momentum
1.22
Negative
73.97
Negative
48.73
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 2.6 is below the 20-day moving average (MA) of 4.89, below the 50-day MA of 3.50, and above the 200-day MA of 2.06, indicating a bullish trend. The MACD of 1.22 indicates Negative momentum. The RSI at 73.97 is Negative, neither overbought nor oversold. The STOCH value of 48.73 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
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
80 Outperform | £190.37M | 16.00 | 107.46% | 4.65% | 14.52% | 7.47% | |
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
57 Neutral | £57.40M | -14.94 | -23.16% | ― | -6.58% | -85.28% | |
56 Neutral | £670.86M | -229.23 | -1.33% | 1.48% | 15.98% | -131.06% | |
55 Neutral | £52.21M | -116.13 | 31.19% | 9.58% | 17.23% | 29.17% | |
48 Neutral | £14.47M | -9.11 | 481.17% | ― | ― | ― |
* Technology Sector Average
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RC365 Holding PLC Corporate Events
Business Operations and StrategyProduct-Related Announcements
RC365 onboards first client to new wealth management SaaS platform
Positive
Sep 28, 2026
RC365 Holding plc has onboarded Blacksilver Trust (Hong Kong) Limited as the first client for its newly launched Wealth Management System, a Software-as-a-Service platform for trust companies and wealth managers integrated into the RC ecosystem. T...
Business Operations and StrategyExecutive/Board Changes
RC365 strengthens leadership team with new executive director and CFO
Positive
Sep 14, 2026
RC365 Holding plc, a London-listed fintech and payment solutions provider focused on East and Southeast Asia, offers payment gateway services, IT and ERP support, and digital remittance and FX-linked credit card products to corporate and individua...
Business Operations and StrategyShareholder Meetings
RC365 shareholders back all AGM resolutions, reinforcing expansion plans
Positive
Sep 10, 2026
RC365 Holding plc, a London-listed fintech and payment solutions provider focused on East and Southeast Asia, offers secure payment gateways, IT services, ERP systems and newer digital remittance, FX and asset-linked card products to corporate and...
Business Operations and StrategyProduct-Related Announcements
RC365 expands Banking Virtual Account services into six Latin American markets
Positive
Sep 2, 2026
RC365 Holding plc has activated its Banking Virtual Account services in Latin America, extending its fintech and payment solutions platform into six new markets across the region. Customers and partners can now access local collection accounts in ...
Business Operations and Strategy
RC365’s Hong Kong Unit Wins Excellence in One-Stop Fintech Award
Positive
Aug 26, 2026
RC365 Holding plc is a London-listed payment solutions and fintech company operating mainly in East and Southeast Asia through subsidiaries Regal Crown Technology and HC Capital. For more than a decade it has provided secure payment gateway soluti...
Business Operations and StrategyFinancial DisclosuresRegulatory Filings and ComplianceShareholder Meetings
RC365 files 2026 annual report as it advances fintech expansion
Positive
Aug 19, 2026
RC365 Holding plc has submitted its Annual Report and Accounts for the year ended 31 March 2026, together with the Notice of AGM and Form of Proxy, to the U.K. National Storage Mechanism for public inspection. The filing formally places key corpor...
Executive/Board ChangesFinancial DisclosuresShareholder Meetings
RC365 Posts 2026 Annual Report and Announces Board Change Ahead of AGM
Neutral
Aug 13, 2026
RC365 Holding plc has confirmed that its Annual Report and Accounts for the year ended 31 March 2026, together with the notice of its 2026 Annual General Meeting, will be sent to shareholders on 14 August and made available on the company’s ...
Business Operations and Strategy
RC365 earns Hong Kong value award as it pushes fintech expansion
Positive
Aug 4, 2026
RC365 Holding plc, a payment solutions and fintech provider focused on East and Southeast Asia, offers secure payment gateway services, IT support for financial systems, digital remittances, FX and asset-linked credit card products to corporate an...
Business Operations and StrategyFinancial DisclosuresPrivate Placements and FinancingProduct-Related Announcements
RC365 boosts revenue, narrows losses as SaaS and partnerships power funded growth
Positive
Jul 31, 2026
RC365 Holding plc reported audited full-year results to 31 March 2026 showing a 57% rise in group revenue to HK$22.14 million and a near 58% reduction in pre-tax losses to HK$12.88 million, alongside a 51% expansion in its active customer base. Th...
Business Operations and StrategyProduct-Related Announcements
RC365 seals multi-year Central Wealth partnership to scale RC3.0 virtual account business
Positive
Jul 31, 2026
RC365’s Hong Kong subsidiary Regal Crown Technology has signed a multi-year referral agreement with Central Wealth Securities Investment Limited to drive client acquisition for its RC3.0 Business Virtual Account and related SaaS solutions. C...
Business Operations and StrategyProduct-Related Announcements
RC365’s RCPAY strikes strategic fintech partnership with Hong Kong’s Nexara Capital
Positive
Jul 24, 2026
RC365 Holding plc’s subsidiary RCPAY has entered a strategic partnership with Hong Kong-based Nexara Capital to deliver multi-currency virtual banking accounts, API integration and related fintech services supporting Nexara’s internati...
Business Operations and StrategyProduct-Related Announcements
RC365 signs PyWave deal to expand cross-border payments and virtual accounts
Positive
Jul 14, 2026
RC365 Holding plc has signed a cross-border and local payment services agreement between its subsidiary RCPAY Limited and Canadian provider PyWave Network Technology to support the commercial launch of its RC3.0 application. The deal will see PyWa...
Business Operations and StrategyPrivate Placements and Financing
RC365 secures £2.25m funding package to back RC3.0 growth
Positive
Jul 9, 2026
RC365 Holding plc, a London-listed fintech and payment services provider focused on East and Southeast Asia, delivers payment gateway solutions, IT services for financial systems and ERP, and digital remittance, foreign exchange and asset-linked c...
Business Operations and StrategyProduct-Related Announcements
RC365 launches SaaS wealth platform to drive recurring fintech revenues
Positive
Jul 6, 2026
RC365 Holding plc has launched a Wealth Management System, a SaaS platform designed for trust companies and wealth management institutions and fully integrated into its existing fintech ecosystem. Aimed at Asia-Pacific firms seeking rapid digitisa...
Business Operations and StrategyProduct-Related Announcements
RC365 seals five-year fintech partnership with Hong Kong’s Blacksilver Trust
Positive
Jul 3, 2026
RC365 Holding plc’s subsidiary Regal Crown Technology has signed a five-year strategic partnership with Hong Kong-based Blacksilver Trust to supply an integrated fintech suite, including multi-currency business virtual accounts, secure API s...
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.