RCT

Company Overview — What Does RedCloud Holdings plc Do?

We have developed and operate the RedCloud platform (the “Platform”), that facilitates the trading of everyday consumer supplies of fast-moving consumer goods (“FMCG”) products across business supply chains. We believe the Platform solves a decades old problem of how to unlock and enable access of key purchase and sales data between brands, distributors and retailers in high growth consumer markets. Through the Platform, we enable retailers in these markets to use data driven insights backed by artificial intelligence (“AI”) to help make faster and easier business-to-business (“B2B”) purchases and inventory decisions from brands and distributors by breaking down complex purchasing behaviors of large product inventory catalogues. We then turn that into meaningful business insights and purchasing opportunities for our retailers. Our Platform is delivered through a consumption-based business model and we only charge brands and distributors for transactions made on the Platform. Our Platform consequently helps brands and distributors to use the same AI driven insights to connect with new local retailers in targeted locations, thereby spending less time searching for outlets to purchase their goods and products from. Additionally, our Platform has AI and machine learning capabilities that provide our brands, distributors and retailers with trading and product insights and data to help them make better commercial decisions regarding their business operations. For example, our Platform has the capability to (1) inform retailers when they are running low on products, (2) inform retailers what other retailers in the area in which they operate are selling, and (3) inform brands and distributors the type of goods and products retailers are looking for on the Platform. We currently operate in Argentina, Brazil, Nigeria, and South Africa which are high consumer growth markets and plan to expand to additional countries in the future. We currently operate as a private limited company organized under the laws of England and Wales under registered number 08872820. Our principal executive office is located at 50 Liverpool Street, London. Our agent for service of process in the United States is Puglisi & Associates, 850 Library Avenue, Suite 204, Newark, DE. RedCloud Holdings plc (RCT) is classified as a micro-cap stock in the Consumer Discretionary sector, specifically within the Retail industry. The company is led by CEO Justin Floyd and employs approximately 428 people. With a market capitalization of $40M, RCT is one of the notable companies in the Consumer Discretionary sector.

RedCloud Holdings plc (RCT) Stock Rating — Avoid (April 2026)

As of April 2026, RedCloud Holdings plc receives a Avoid rating with a composite score of 27.8/100 and 1 out of 5 stars from the Blank Capital Research quantitative model.RCT ranks #4,079 out of 4,446 stocks in our coverage universe. Within the Consumer Discretionary sector, RedCloud Holdings plc ranks #413 of 442 stocks, placing it in the lower half of its Consumer Discretionary peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

RCT Stock Price and 52-Week Range

RedCloud Holdings plc (RCT) currently trades at $0.57. The stock lost $0.06 (9.4%) in the most recent trading session. The 52-week high for RCT is $5.36, which means the stock is currently trading -89.3% from its annual peak. The 52-week low is $0.75, putting the stock -23.9% above its annual trough. Recent trading volume was 144K shares, suggesting relatively thin trading activity.

Is RCT Overvalued or Undervalued? — Valuation Analysis

RedCloud Holdings plc (RCT) carries a value factor score of 13/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-sales ratio is 0.20x, compared to 0.27x for the average Consumer Discretionary stock.

At current multiples, RedCloud Holdings plc trades at a premium to most Consumer Discretionary peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

RedCloud Holdings plc Profitability — ROE, Margins, and Quality Score

RedCloud Holdings plc (RCT) earns a quality factor score of 42/100, signaling below-average profitability metrics relative to the broader market. Return on assets (ROA) comes in at -1155.3% versus the sector average of 2.5%.

On a margin basis, RedCloud Holdings plc reports gross margins of 100.0%, compared to 36.9% for the sector. The operating margin is -83.1% (sector: 3.8%). Net profit margin stands at -109.1%, versus 2.1% for the average Consumer Discretionary stock. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

RCT Debt, Balance Sheet, and Financial Health

Balance sheet data for RCT is evaluated through our stability factor. Total debt on the balance sheet is $73M. Cash and equivalents stand at $800,735.

RCT has a beta of 1.88, meaning it is more volatile than the broader market — a $10,000 investment in RCT would be expected to move 87.8% more than the S&P 500 on any given day. The stability factor score for RedCloud Holdings plc is 10/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

RedCloud Holdings plc Revenue and Earnings History — Quarterly Trend

In TTM 2026, RedCloud Holdings plc reported revenue of $46M and earnings per share (EPS) of $-2.09. Net income for the quarter was $-51M. Gross margin was 100.0%. Operating income came in at $-39M.

In FY 2024, RedCloud Holdings plc reported revenue of $46M and earnings per share (EPS) of $-2.09. Net income for the quarter was $-51M. Gross margin was 100.0%. Revenue grew 134.8% year-over-year compared to FY 2023. Operating income came in at $-39M.

In FY 2023, RedCloud Holdings plc reported revenue of $20M and earnings per share (EPS) of $-1.69. Net income for the quarter was $-32M. Gross margin was 100.0%. Operating income came in at $-26M.

RCT Dividend Yield and Income Analysis

RedCloud Holdings plc (RCT) does not currently pay a dividend. This is common among smaller companies in the Retail industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Consumer Discretionary dividend stocks may want to explore other Consumer Discretionary stocks or use the stock screener to filter by dividend yield.

RCT Momentum and Technical Analysis Profile

RedCloud Holdings plc (RCT) has a momentum factor score of 27/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 15/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 42/100 reflects moderate short selling activity.

RCT vs Competitors — Consumer Discretionary Sector Ranking and Peer Comparison

Within the Consumer Discretionary sector, RedCloud Holdings plc (RCT) ranks #413 out of 442 stocks based on the Blank Capital composite score. This places RCT in the lower half of all Consumer Discretionary stocks in our coverage universe. Key competitors and sector peers include MONARCH CASINO & RESORT INC (MCRI) with a score of 50.5/100, CASEYS GENERAL STORES INC (CASY) with a score of 57.3/100, INGLES MARKETS INC (IMKTA) with a score of 51.0/100, FIVE BELOW, INC (FIVE) with a score of 51.6/100, and TARGET CORP (TGT) with a score of 52.6/100.

Comparing RCT against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full RCT vs S&P 500 (SPY) comparison to assess how RedCloud Holdings plc stacks up against the broader market across all factor dimensions.

RCT Next Earnings Date

No upcoming earnings date has been announced for RedCloud Holdings plc (RCT) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy RCT? — Investment Thesis Summary

The quantitative profile for RedCloud Holdings plc suggests caution. The value score of 13/100 indicates premium valuation. Momentum is weak at 27/100, a headwind for near-term performance. High volatility (stability score 10/100) increases portfolio risk.

In summary, RedCloud Holdings plc (RCT) earns a Avoid rating with a composite score of 27.8/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on RCT stock.

Related Resources for RCT Investors

Explore more research and tools: RCT vs S&P 500 comparison, top Consumer Discretionary stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare RCT head-to-head with peers: RCT vs MCRI, RCT vs CASY, RCT vs IMKTA.