632.00p
0.00%
Close of 9 Nov 2026, in pence
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About Ramsdens Holdings
Its shares trade on LSE under the ticker RFX.L. It has been listed since 15 February 2017. In the fiscal year to 30 September 2025, it reported revenue before interest expense of £116.8m and net income of £11.9m. At that date it held total assets of £91.1m and shareholders' equity of £62.9m.
Ramsdens Holdings Plc engages in the provision of financial services. The company is headquartered in Middlesbrough, North Yorkshire. The company went IPO on 2017-02-15. The firm operates through four segments: Foreign Currency Exchange, Pawnbroking, Purchases of precious metals and Jewellery Retail. The Foreign Currency Exchange segment consists of primarily, the sale and purchase of foreign currency notes with prepaid travel cards and international bank to bank payments. The Pawnbroking segment is a form of asset backed lending where an item of value is given to the pawnbroker in exchange for a cash loan. Through its precious metals buying and selling service, Ramsdens offers to buy unwanted jewelry, gold and other precious metals from customers for cash. The firm is engaged in refurbishing items bought from customers and retailing them through its store network. The firm also provides ancillary services, including franchise fees, western union, sale and buy back of electronics, and credit broking. The company has a portfolio of over 130 stores.
Figures and description from our data supplier, not checked against the company's own report.
Company facts
- Sector
- Financials
- Industry
- Consumer Finance
- Listed since
- 15 Feb 2017
- Employees
- 637
- Website
- ramsdensplc.com ↗
Leadership
Pay as last reported
- Mr. Andrew MeehanNon-Executive Independent Chairman of the Board£75,000
- Mr. Peter KenyonChief Executive Officer, Executive Director, since 2014£614,000
- Mr. Martin ClyburnChief Financial Officer, Executive Director, since 2016£454,000
- Ms. Lindsey CarterCompany Secretary
- Mr. Simon HerrickNon-Executive Independent Chairman of the Board£55,000
- Ms. Karen InghamNon-Executive Independent Director£44,000
- Mr. Christopher MuirNon-Executive Independent Director
Environmental, social and governance
Scores out of 100, from our data supplier
- Overall
- 56
- Environment
- 31
- Social
- 69
- Governance
- 68
- Direct emissions (scope 1)
- 26 t
- Energy emissions (scope 2)
- 405 t
- Women in the workforce
- 80%
- Carbon reduction policy
- No
- Human rights policy
- Yes
SWOT analysis
AI-generated by our data supplier. Not written or checked by our editors.
Strengths
- Established Brand: Ramsdens Holdings PLC has built a strong and well-known brand in the market, which contributes to customer trust and loyalty.
- Diversified Revenue Streams: The company operates in multiple sectors, including foreign currency exchange, pawnbroking, and precious metals, providing stability and revenue diversification.
- Extensive Retail Network: Ramsdens Holdings PLC has a wide network of retail branches across the UK, allowing convenient access for customers and increasing market presence.
Weaknesses
- Dependency on External Factors: The company's performance heavily relies on external factors such as economic conditions, government regulations, and fluctuations in currency exchange rates.
- Limited International Presence: Ramsdens Holdings PLC's operations are primarily focused in the UK, which exposes the business to risks associated with a single market.
- Vulnerability to Reputation Damage: Any negative incidents or poor customer experiences can harm Ramsdens Holdings PLC's reputation and impact business growth.
Opportunities
- Expansion of Services: The company can explore opportunities to expand its service offerings, such as online remittance, digital currency exchange, or other financial products, to attract a larger customer base.
- International Market Expansion: Ramsdens Holdings PLC can consider expanding its operations into new countries or regions to diversify its market presence and minimize dependency on the UK market.
- Growing Demand for Sustainable Investments: With increasing interest in sustainable investments, Ramsdens Holdings PLC can explore offering eco-friendly precious metal products or investing in green initiatives to attract socially responsible customers.
Threats
- Intense Competition: The financial services industry is highly competitive, and Ramsdens Holdings PLC faces competition from banks, online platforms, and other pawnbrokers and currency exchange providers.
- Economic Uncertainty: Economic downturns or recessions can impact consumer spending and decrease demand for Ramsdens Holdings PLC's services.
- Regulatory Changes: Changes in government regulations, especially in the financial sector and pawnbroking, can impose additional compliance costs and restrict business operations.
Sources and methodology
- Data on this tab
- Our data supplier
- Chart on the Overview
- TradingView
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