Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
RC365 Holding plc is a public limited company specializing in financial technology, serving primarily as a holding entity for Regal Crown Technology Limited. Headquartered in London and Hong Kong, RC365 Holding plc focuses on delivering fintech solutions and payment gateway services that facilitate electronic transactions and digital financial services, particularly across East and Southeast Asia. The company develops a range of fintech products and money services designed to make financial management more accessible and efficient for businesses and individuals. RC365 operates with a strategic emphasis on expanding its payment infrastructure into European markets as well as the UK, aiming to bridge financial services across key economic regions. Its operations span software development, office administration, and IT services, supporting the evolving digital payments landscape. The majority of its revenue is generated from Hong Kong, Japan, and the United Kingdom, highlighting its cross-border capabilities in facilitating secure and streamlined payments. With its small, specialized workforce, RC365 Holding plc plays an important role in advancing digital payment solutions, enabling financial integrations, and supporting the broader transition to digital economies.
£0.03
+£0.00 (+12.24%)
EOD Jul 3, 2026
The business is unprofitable at the operating level (-50.23% margin). The thesis depends entirely on whether and when it reaches sustainable profitability.
Revenue grew 15.8%, still solid. Margins contracted 58.7pp, which offsets some of the top-line progress.
Free cash flow declined 301% versus the prior year, cash generation momentum has weakened. ROIC dropped from 2.01% to -20.79%, capital efficiency is deteriorating.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
HKD 14M
▲ +15.8% YoY
Net Income (TTM)
-HKD 34M
▲ +8.5% YoY
Op. Margin
-50.23%
▼ -58.7pp YoY
ROIC
-20.79%
▼ -22.8pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
-HKD 10M
▼ -300.6% YoY
Op. Cash Flow (TTM)
-HKD 10M
▼ -291.6% YoY
Net Debt
-HKD 8M
Net Cash Position
Cash & Equiv.
HKD 12M
3Y CAGR: +20.5%
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RC365 Holding (RCGH.XLON)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, RC365 Holding scores 25/100 on Intrinsiqq's quality scorecard (a lower-quality business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
RC365 Holding scores 25 out of 100 on Intrinsiqq's quality score, a weighted blend of 6 metrics each scored 0 to 100, which makes it a lower-quality business on these measures. Recent fundamentals include a -50.2% operating margin and a -20.8% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. you should weigh RCGH.XLON's valuation and scores 25/100 on quality (lower-quality). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.