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MARKETS CLOSED · LAST TRADE Tue 03:39 UTC
RECL60

Record PLC

Investment Management & Fund OperatorsVerified
Score breakdown
Profitability+24Sentiment+30Risk penalty-3Missing signals-3
Quality breakdown
Key fields100Profile38Conclusion98AI synthesis40Observations23

Record PLC maintains a strong liquidity position with a current ratio of 4.39, indicating the company has sufficient current assets to cover its current liabilities multiple times over [doc:HA-latest]. The company's debt-to-equity ratio of 0.24 suggests a conservative capital structure with limited leverage [doc:HA-latest]. However, the company's free cash flow is negative at -2.67 million GBP, which may indicate reinvestment in the business or operational inefficiencies [doc:HA-latest]. In terms of profitability, Record PLC demonstrates a return on equity of 31.33% and a return on assets of 21.47%, both of which are strong indicators of efficient use of equity and assets to generate profits [doc:HA-latest]. These metrics suggest the company is performing well relative to its equity base and asset base, although direct comparisons to industry medians are not available in the provided data [doc:HA-latest]. The company's revenue is concentrated in the United Kingdom, with no specific geographic breakdown provided in the input data. However, the company's services are offered to a global client base, including asset managers, pension funds, foundations, and other institutional investors [doc:HA-latest]. The lack of detailed segment or geographic revenue data limits the ability to assess concentration risk comprehensively [doc:HA-latest]. Record PLC's growth trajectory is not explicitly detailed in the input data, but the company's operating income of 10.66 million GBP and net income of 9.11 million GBP suggest a stable and profitable business model [doc:HA-latest]. Analysts have provided a mean price target of 140.00 GBP, indicating a positive outlook for the company's stock [doc:]. The risk assessment for Record PLC indicates a medium liquidity risk and a low dilution risk. The company's key flags include a negative net cash position after subtracting total debt, which may affect its short-term liquidity [doc:HA-latest]. The company's dilution potential is low, and no significant adjustments have been applied to its valuation metrics [doc:HA-latest]. Recent events and filings for Record PLC are not detailed in the input data, but the company's financial performance and analyst price targets suggest a stable and growing business [doc:HA-latest]. The company's services in currency management and asset management are likely to remain in demand given the ongoing need for institutional investors to manage currency risk and seek yield in private market asset classes [doc:HA-latest].

30-day price · RECL+7.60 (+15.1%)
Low$49.00High$58.40Close$57.80As of11 May, 00:00 UTC
Profile
CompanyRecord PLC
TickerRECL.L
SectorFinancials
BusinessBanking & Investment Services
Industry groupBanking & Investment Services
IndustryInvestment Management & Fund Operators
AI analysis

Business. Record PLC is a United Kingdom-based specialist currency and asset manager that provides bespoke products to global investors, including sustainable finance, currency management, asset management, and other services [doc:HA-latest].

Classification. Record PLC is classified under the industry "Investment Management & Fund Operators" within the business sector "Banking & Investment Services" with a confidence level of 0.92 [doc:verified market data].

Record PLC maintains a strong liquidity position with a current ratio of 4.39, indicating the company has sufficient current assets to cover its current liabilities multiple times over [doc:HA-latest]. The company's debt-to-equity ratio of 0.24 suggests a conservative capital structure with limited leverage [doc:HA-latest]. However, the company's free cash flow is negative at -2.67 million GBP, which may indicate reinvestment in the business or operational inefficiencies [doc:HA-latest]. In terms of profitability, Record PLC demonstrates a return on equity of 31.33% and a return on assets of 21.47%, both of which are strong indicators of efficient use of equity and assets to generate profits [doc:HA-latest]. These metrics suggest the company is performing well relative to its equity base and asset base, although direct comparisons to industry medians are not available in the provided data [doc:HA-latest]. The company's revenue is concentrated in the United Kingdom, with no specific geographic breakdown provided in the input data. However, the company's services are offered to a global client base, including asset managers, pension funds, foundations, and other institutional investors [doc:HA-latest]. The lack of detailed segment or geographic revenue data limits the ability to assess concentration risk comprehensively [doc:HA-latest]. Record PLC's growth trajectory is not explicitly detailed in the input data, but the company's operating income of 10.66 million GBP and net income of 9.11 million GBP suggest a stable and profitable business model [doc:HA-latest]. Analysts have provided a mean price target of 140.00 GBP, indicating a positive outlook for the company's stock [doc:]. The risk assessment for Record PLC indicates a medium liquidity risk and a low dilution risk. The company's key flags include a negative net cash position after subtracting total debt, which may affect its short-term liquidity [doc:HA-latest]. The company's dilution potential is low, and no significant adjustments have been applied to its valuation metrics [doc:HA-latest]. Recent events and filings for Record PLC are not detailed in the input data, but the company's financial performance and analyst price targets suggest a stable and growing business [doc:HA-latest]. The company's services in currency management and asset management are likely to remain in demand given the ongoing need for institutional investors to manage currency risk and seek yield in private market asset classes [doc:HA-latest].
Key takeaways
  • Record PLC has a strong liquidity position with a current ratio of 4.39.
  • The company's return on equity of 31.33% and return on assets of 21.47% indicate efficient use of equity and assets.
  • The company's free cash flow is negative, which may suggest reinvestment in the business or operational inefficiencies.
  • Analysts have provided a mean price target of 140.00 GBP, indicating a positive outlook for the company's stock.
  • The company's risk assessment indicates a medium liquidity risk and a low dilution risk.
  • # RATIONALES
  • **margin_outlook_rationale**: The company's strong return on equity and return on assets suggest that margins are likely to remain stable or improve in the near term due to efficient use of equity and assets.
  • **rd_outlook_rationale**: The input data does not provide specific information on research and development activities, so the outlook for RD is not available.
Financial snapshot
PeriodHA-latest
CurrencyGBP
Revenue$41.9M
Gross profit$41.4M
Operating income$10.7M
Net income$9.1M
R&D
SG&A
D&A
SBC
Operating cash flow$7.3M
CapEx-$2.5M
Free cash flow-$2.7M
Total assets$42.4M
Total liabilities$13.3M
Total equity$29.1M
Cash & equivalents$5.1M
Long-term debt$7.1M
Annual history (last 5)
PeriodRevenueOp IncomeNet IncomeFCF
FY0$41.9M$10.7M$9.1M-$2.7M
FY-1$45.5M$12.6M$9.3M-$955.0k
FY-2$44.7M$14.5M$11.3M$1.8M
FY-3$35.2M$10.8M$8.6M$2.7M
FY-4$25.4M$6.1M$5.4M$599.0k
PeriodGross %Op %Net %FCF %
FY0
FY-1
FY-2
FY-3
FY-4
PeriodAssetsEquityCashDebt
FY0$42.4M$29.1M$5.1M
FY-1$36.1M$28.9M$4.3M
FY-2$36.7M$28.3M$6.4M
FY-3$33.2M$25.9M$0.00
FY-4$33.1M$26.8M$4.5M
PeriodOCFCapExFCFSBC
FY0$7.3M-$2.5M-$2.7M
FY-1$13.1M-$818.0k-$955.0k
FY-2$12.3M-$1.2M$1.8M
FY-3$11.4M-$409.0k$2.7M
FY-4$6.8M-$419.0k$599.0k
Quarterly history (last 4)
PeriodRevenueOp IncomeNet IncomeFCF
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodGross %Op %Net %FCF %
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodAssetsEquityCashDebt
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
PeriodOCFCapExFCFSBC
FQ0
FQ-1
FQ-2
FQ-3
FQ-4
FQ-5
FQ-6
FQ-7
Valuation
Market price
Market cap
Enterprise value
P/E
Reported non-GAAP P/E
EV/Revenue
EV/Op income
EV/OCF
P/B
P/Tangible book
Tangible book$29.1M
Net cash-$2.0M
Current ratio4.4
Debt/Equity0.2
ROA21.5%
ROE31.3%
Cash conversion81.0%
CapEx/Revenue-5.9%
SBC/Revenue
Asset intensity
Dilution ratio0.0%
Risk assessment
Dilution riskLow
Liquidity riskMedium
  • Net cash is negative after subtracting total debt.
Industry benchmarks
Activity: Banking & Investment Services · cohort 10 companies
MetricRECLActivity
Op margin25.4%26.6% medp25 13.9% · p75 29.0%below median
Net margin21.7%18.8% medp25 13.7% · p75 22.7%above median
Gross margin98.9%64.0% medp25 40.2% · p75 91.3%top quartile
CapEx / revenue-5.9%1.2% medp25 0.4% · p75 1.9%bottom quartile
Debt / equity24.0%7.7% medp25 7.7% · p75 7.7%top quartile
Recent coverage
Observations
IR observations
Mean price target140.00 GBP
Median price target140.00 GBP
High price target140.00 GBP
Low price target140.00 GBP
Mean recommendation1.00 (1=strong buy, 5=strong sell)
Strong-buy count1.00
Buy count0.00
Hold count0.00
Sell count0.00
Strong-sell count0.00
Mean EPS estimate0.04 GBP
Last actual EPS0.05 GBP
Source data
Underlying data the analysis-pipeline pulls and audits. Fetch timestamps + content hashes show when each source was last refreshed.
Company fundamentalsperiod FQ-7 · history via verified-market-data
no public URL
2026-05-11 01:02 UTC#4c1cb52c
Source: analysis-pipeline (hybrid)Generated: 2026-05-11 01:04 UTCJob: 21c1ac8e