Managerial Finance – RAMSDENS Holdings Financial Analysis Assignment

The coursework involves an analysis of the annual report and accounts of RAMSDENS HOLDINGS plc. You will need to obtain a copy of the annual report for the year ended 30 September 2025.

Schedule of Work

1. Introduce the company to the reader. Your introduction must include the principal activities of the company, products, markets and some key financial results to give an indication of size and trends within the business.

• Using the annual report and accounts, calculate the percentage movement on the following figures. You should include the following table in your assignment.

1. Calculate, for BOTH the current and the previous year, FIVE financial ratios that help to highlight the company’s performance for the trading period. Show how you have calculated your ratios. You must show the formula and the workings for each of the ratios used.                                                                                              (10%)
2. Using the closing share price on 30 September 2025, calculate the P/E (use the reported basic EPS on the income statement) and the dividend yield (use dividend for year). (If the year end falls on a weekend when the markets are shut, you can use the closing price on the last Friday to calculate these ratios). Select a company in the same industry sector. How does this company’s P/E ratio compare to your company, giving reasons for any difference. What would your company’s share price be if the other company’s P/E was applied? Comment on this result.

• a) Calculate and comment briefly on the absolute share price performance, and the shares performance relative to the FTSE 250 index, of the shares of RAMSDENS HOLDINGS plc. between 1 October 2024 and 30 September 2025. You must include a graph of the share price and the index. You can find these on any of the websites given below:

https://www.londonstockexchange.com/stock/RFX/ramsdens-holdings- plc/company-page

b) Calculate the percentage movement for the year and comment briefly on the absolute share price performance, and the performance of RAMSDENS HOLDINGS relative to the FTSE 250 index.

• Your best friend is thinking of buying 5,000 shares in RAMSDENS HOLDINGS plc .

Write a report to them analysing the performance and position of your company over the last trading period. You will be expected to make use of ALL RELEVANT percentage movements and financial ratios, NOT JUST the ones you may have calculated above. You should conclude the report with your advice on whether or not you think your friend should make the investment.

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Experts Answer on Above Financial Analysis Questions

Ramsdens Holdings Plc

Ramsdens Holdings Plc is a UK based financial services and retail group company that operates through pawnbroking, foreign currency exchange, jewellery retail and precious metals purchasing. The company has reported a revenue of £ 116.8 million in 2025, and has a gross profit of £60.7 million.
The strong growth in the profitability is mainly because of high gold prices and significant growth achieved by the company across all four income streams.

Percentage movement analysis

The revenue of the company in 2024 was £95.6m and in 2025, it was £116.8m which shows a positive increase of 22%. The gross profit was £51.5m and £ 60.7m in 2024 and 2025 respectively, and it shows a 18% jump. The profit before tax increases by 43% and the earning per share by 42% in 2025. The net assets of the company were £53.6m in 2024 and increased to £62.9m in 2025, showing a 17% rise.

Analysis using financial ratios

The calculation of gross profit margin in FY25 indicates 51.97% which is the strong performance mainly given by the rise in the prices of jewellery and precious metals. The profit before tax margin for FY25 was 13.87% supported by stronger operational performance. The calculation of earnings per share growth shows a growth rate of 42% which shows a significant improvement in shareholder profitability. The return on asset ratio reflects a stronger return earning an improved financial position of the company.

FTSE 250 Comparison

For the financial year 2025, Ramsdens delivered a strong profit growth rate of 43%, revenue exceeded £100m for the first time and dividend increased sharply.

Investment recommendation

It is highly recommended to invest in Ramsdens Holdings Plc because it showed a significant growth in the performance largely given by the growth in the prices of precious metals, and there is positive overall performance evident across all major revenue streams.

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Financial analysis of a company using ratio analysis and making investment decisions requires appropriate financial skills and understanding of financial concepts and terminologies. The analysis above is carried out in brief, and if you need detailed answers, connect with our professional accounting assignment helpers in Singapore to assist you with accurate calculation and detailed interpretation.

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