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Home CompaniesRamsdens Holdings PLC

Ramsdens Holdings PLC

Consumer Cyclical Luxury Goods
PortfolioPortfolio WatchlistWatchlist
Company price
628.0 GBX -3.00 ( 0.48%)
Last update at 2026-10-27T16:35:00Z
VOLUME
46911
Market Cap
126.19M
P/E
10.83

Momentum Score

…

Ramsdens Holdings PLC engages in the provision of diversified financial services in the United Kingdom and internationally. It operates through four segments: Foreign Currency Exchange, Pawnbroking, Jewellery Retail, and Purchase of Precious Metals. The company engages in the sale and purchase of foreign currency notes to holidaymakers; offers Ramsdens Mastercard, a multi-currency card provision of pawnbroking and asset backed lending services; buying and selling services for jewellery, gold, and other precious metals; and retailing of new and second-hand jewelry, as well as watches. It offers travel cards and international money transfer services. The company operates through stores, including franchised outlets, and online platform. The company was founded in 1987 and is headquartered in Stockton on Tees, the United Kingdom.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

Day Price Range
628.00
Low
634.00
High
52 Week Price Range
235.67
Low
458.38
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Ramsdens Holdings plc operates a UK network of retail outlets offering pawnbroking, jewellery retail, foreign exchange and related financial services. Long-term growth drivers include expanding store and digital channels, demand for travel money and precious metals services, and cross-selling among services that may support revenue resilience. Investors may find the company attractive for its diversified income streams and local market footprint.

Key risks include sensitivity to gold and foreign-exchange volumes, UK consumer and tourism cycles, regulatory changes affecting consumer credit and pawnbroking, and execution and competition pressures for retail expansion.

Risk Score
Medium

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
631.00
Dividend Yield
3.46%
Revenue TTM
116.80M
Revenue Per Share
3.63
Gross Profit TTM
60.71M
Debt / Equity
0.27
ROE
20.42%
Net Debt
1.69M
ROCE
24.84%
Diluted EPS TTM
0.36

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Income before tax 16.21M 11.36M 10.11M 8.27M 0.56M
Net income 11.89M 8.30M 7.76M 6.59M 0.37M
Selling general administrative 11.51M 11.02M 10.56M 29.39M 21.51M
Selling and marketing expenses - - 20.52M - -
Gross profit 53.75M 51.53M 45.76M 38.22M 22.26M
Reconciled depreciation 4.17M 4.05M 3.73M 3.69M 3.52M
Ebit 17.44M 12.46M 10.94M 8.83M 1.04M
Ebitda 21.61M 16.52M 14.68M 12.52M 4.42M
Depreciation and amortization 4.17M 4.05M 3.73M 3.69M 3.38M
Operating income 17.44M 12.46M 10.93M 8.83M 1.04M
Other operating expenses 99.36M 83.14M 72.87M 57.27M 39.77M
Interest expense 0.88M 1.10M 0.83M 0.56M 0.47M
Tax provision 4.32M 3.06M 2.35M 1.68M 0.20M
Net interest income -0.88M -1.10M -0.83M -0.56M -0.47M
Income tax expense 4.32M 3.06M 2.35M 1.68M 0.20M
Total revenue 116.80M 95.61M 83.81M 66.10M 40.68M
Total operating expenses 36.31M 39.07M 34.83M 29.39M 21.36M
Cost of revenue 63.06M 44.08M 38.05M 27.88M 18.41M
Total other income expense net -1.23M -1.10M -0.83M -0.56M -0.47M
Net income from continuing ops 11.89M 8.30M 7.76M 6.59M 0.37M
Net income applicable to common shares - - - 6.59M 0.37M
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Total assets 91.09M 81.69M 74.28M 68.32M 52.72M
Intangible assets 0.13M 0.26M 0.22M 0.33M 0.26M
Other current assets -39.75M 0.72M 0.66M 13.26M 10.38M
Total liab 28.20M 28.08M 26.11M 26.47M 16.57M
Total stockholder equity 62.90M 53.61M 48.17M 41.84M 36.14M
Other current liab 6.22M 3.35M 2.85M 4.97M 2.33M
Common stock 0.32M 0.32M 0.32M 0.32M 0.31M
Capital stock 0.32M 0.32M 0.32M 0.32M 0.31M
Retained earnings 57.68M 48.40M 42.96M 36.63M 30.94M
Other liab - - - 0.24M 0.24M
Good will 0.65M 0.65M 0.45M 0.45M 0.45M
Other assets 91.09M - - - 0.08M
Cash 15.36M 15.78M 13.02M 15.28M 13.03M
Total current liabilities 20.89M 19.69M 17.98M 18.37M 9.89M
Current deferred revenue - - 0.04M - -
Net debt 1.69M 2.28M 5.08M 1.12M -4.43M
Short term debt 10.86M 10.74M 10.45M 8.53M 2.16M
Short long term debt 8.41M 8.39M 7.98M 6.44M -
Short long term debt total 17.05M 18.07M 18.11M 16.40M 8.60M
Other stockholder equity 4.89M 4.89M 4.89M 4.89M 4.89M
Property plant equipment - - - 16.23M 13.36M
Total current assets 33.03M 61.86M 56.04M 51.31M 38.56M
Net tangible assets - - - 41.06M 35.43M
Net receivables 17.67M 15.71M 14.70M 12.46M 9.72M
Inventory 39.75M 29.65M 27.66M 22.76M 15.15M
Accounts payable 3.81M 3.26M 2.94M 4.87M 5.41M
Non currrent assets other 40.55M - -0.45M - -
Non current assets total 58.07M 19.82M 18.24M 17.01M 14.15M
Capital lease obligations 8.63M 9.68M 10.12M 9.96M 8.60M
Breakdown 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Type yearly yearly yearly yearly yearly
Date 2025-09-30 2024-09-30 2023-09-30 2022-09-30 2021-09-30
Investments - -3.21M -3.00M -3.75M -1.63M
Change to liabilities - - - 1.14M 1.22M
Total cashflows from investing activities -0.91M -3.21M -3.00M -3.75M -1.63M
Net borrowings 0.00M 0.50M 1.50M 4.29M -2.30M
Total cash from financing activities -5.62M -5.91M -2.53M 3.06M -2.30M
Net income 11.89M 11.36M 7.76M 8.27M 0.56M
Change in cash -0.42M 2.76M -2.26M 2.25M -2.84M
Begin period cash flow 15.78M 13.02M 15.28M 13.03M 15.87M
End period cash flow 15.36M 15.78M 13.02M 15.28M 13.03M
Total cash from operating activities 6.11M 11.88M 3.28M 2.94M 1.08M
Issuance of capital stock 0.01M 0.00M 0.00M 0.00M 0.01M
Depreciation 4.17M 4.05M 3.73M 3.69M 3.52M
Other cashflows from investing activities - - 0.01M - -
Dividends paid 3.58M 3.30M 1.99M 1.23M 1.23M
Change to inventory -10.10M -1.93M -4.69M -7.22M -3.99M
Change to account receivables -1.77M -0.89M -2.00M -2.58M 0.56M
Sale purchase of stock - - -1.50M - -
Other cashflows from financing activities -2.04M -3.12M -2.04M 5.79M -2.30M
Change to netincome - - - 1.32M -0.54M
Capital expenditures 0.92M 2.58M 2.72M 2.85M 1.64M
Change in working capital -8.77M -1.38M -9.00M -8.66M -2.21M
Stock based compensation 0.51M 0.50M 0.46M 0.31M 0.25M
Other non cash items -1.18M -2.66M 0.33M -0.68M 0.47M
Free cash flow 5.19M 9.30M 0.56M 0.09M -0.55M

Peer Comparison*

Sector: Consumer Cyclical Industry: Luxury Goods

Stock Name
Change
(GBX)
Price
(GBX)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
RFX
Ramsdens Holdings PLC		 -3.00
0.48%		 628.00 10.83 6.58 1.08 1.80 0.98 5.41
BRBY
Burberry Group PLC		 -21.00
1.97%		 1045.50 - 23.20 1.69 4.38 2.08 11.02
WOSG
Watches Of Switzerland Group PLC		 -25.50
3.37%		 731.00 16.30 10.03 0.66 1.82 0.96 7.09

Profile*

Ramsdens Holdings PLC

Ramsdens Holdings PLC engages in the provision of diversified financial services in the United Kingdom and internationally. It operates through four segments: Foreign Currency Exchange, Pawnbroking, Jewellery Retail, and Purchase of Precious Metals. The company engages in the sale and purchase of foreign currency notes to holidaymakers; offers Ramsdens Mastercard, a multi-currency card provision of pawnbroking and asset backed lending services; buying and selling services for jewellery, gold, and other precious metals; and retailing of new and second-hand jewelry, as well as watches. It offers travel cards and international money transfer services. The company operates through stores, including franchised outlets, and online platform. The company was founded in 1987 and is headquartered in Stockton on Tees, the United Kingdom.

Falcon Court, Stockton-On-Tees, United Kingdom, TS18 3TS

44 16 4257 9957

https://www.ramsdensplc.com

836

Name Title Year Born
Mr. Peter Edward Kenyon CEO & Exec. Director 1965
Mr. Martin Anthony Clyburn CFO & Exec. Director 1982
Mr. Kevin Nigel Brown F.C.A. Company Sec. NA
Mr. Peter Edward Kenyon CEO & Executive Director 1965
Mr. Martin Anthony Clyburn CFO & Executive Director 1981
Lindsey Maria Carter Company Secretary NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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