3.04%
4.19%
2.75%
-4.60%
-5.81%
-0.53%
-20.30%
AI Spotlight on ARBB
Company Description
Arbuthnot Banking Group PLC, together with its subsidiaries, provides private and commercial banking products and services in the United Kingdom.It operates through Banking, Wealth Management, Mortgage Portfolios, Renaissance Asset Finance, Arbuthnot Commercial Asset Based Lending, Arbuthnot Specialist Finance Limited, Asset Alliance Group, All Other Divisions, and Group Centre segments.The company offers private banking services, including current and deposit accounts, loans, overdrafts, and foreign exchange; financial planning; investment and asset management; asset finance funding; asset based lending, deposits, and specialist finance.
Further, it provides insurance and property development services.Arbuthnot Banking Group PLC was founded in 1833 and is headquartered in London, the United Kingdom.
Market Data
| Last Price | 932.5 |
| Change Percentage | 3.04% |
| Open | 930 |
| Previous Close | 905 |
| Market Cap ( Millions) | 151 |
| Volume | 1723 |
| Year High | 1139.3 |
| Year Low | 830 |
| M A 50 | 894.15 |
| M A 200 | 941.19 |
Financial Ratios
| FCF Yield | -54.80% |
| Dividend Yield | 5.04% |
| ROE | 12.11% |
| Debt / Equity | 14.89% |
| Net Debt / EBIDTA | -2543.30% |
| Price To Book | 0.59 |
| Price Earnings Ratio | 4.93 |
| Price To FCF | -1.82 |
| Price To sales | 0.62 |
| EV / EBITDA | -19.4 |
News
- Jan -27 - 3 Top UK Dividend Stocks To Consider For Your Portfolio
- Dec -27 - UK Dividend Stocks To Consider In December 2024
- Nov -28 - Top UK Dividend Stocks To Consider In November 2024
- Oct -30 - 3 UK Dividend Stocks With Yields Up To 7.0%
- Sep -26 - 3 UK Dividend Stocks Yielding Up To 4.9%
- Sep -09 - Top 3 UK Dividend Stocks To Consider
- Aug -22 - 3 Top Dividend Stocks In UK Yielding Up To 7.3%
- Aug -20 - Asset Alliance Group’s three-way deal against a pandemic backdrop
- Aug -06 - Renaissance Asset Finance reports 60% surge in new lending in H1 2024
- Aug -05 - Top UK Dividend Stocks Including Arbuthnot Banking Group
- Jul -24 - Arbuthnot posts £20.8m profit before tax for H1 2024
- Jul -23 - Asset Alliance sells entire share capital, valued at £4.1m, to Arbuthnot Banking Group
- Jul -16 - 3 UK Dividend Stocks With Yields Up To 4.6% To Enhance Your Portfolio
- Jun -19 - Arbuthnot Banking Group Leads Three Key Dividend Stocks In The UK
- May -30 - Exploring Three Prominent Dividend Stocks In The United Kingdom
- May -21 - Arbuthnot Banking Group Insiders Added UK£1.08m Of Stock To Their Holdings
- Mar -31 - Arbuthnot Banking Group (LON:ARBB) Has Announced That It Will Be Increasing Its Dividend To £0.27
- Mar -29 - Arbuthnot Banking Group Full Year 2023 Earnings: Misses Expectations
- Mar -21 - The past five years for Luzerner Kantonalbank (VTX:LUKN) investors has not been profitable
- Mar -19 - Should You Be Adding Bâloise Holding (VTX:BALN) To Your Watchlist Today?
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Banking
Expected Growth : 5.5 %
What the company do ?
Arbuthnot Banking Group PLC provides private banking services, offering personalized financial solutions to high net worth individuals and families.
Why we expect these perspectives ?
Arbuthnot Banking Group PLC's 5.5% growth is driven by strong loan book expansion, fueled by increasing demand for commercial and private banking services. Effective cost management, improved operational efficiency, and a robust risk management framework also contribute to the growth. Additionally, the group's diversified revenue streams, including wealth management and treasury services, provide a solid foundation for sustainable growth.
Segment n°2 -> Asset Alliance Group
Expected Growth : 5.8 %
What the company do ?
The Asset Alliance Group is a specialist asset finance provider, offering tailored funding solutions, part of Arbuthnot Banking Group PLC.
Why we expect these perspectives ?
Asset Alliance Group's 5.8% growth is driven by increasing demand for asset-based lending, strategic partnerships, and expansion into new markets. Additionally, Arbuthnot Banking Group PLC's strong balance sheet and risk management capabilities have enabled the group to capitalize on growth opportunities, while its diversified portfolio has mitigated risks and contributed to stable earnings.
Segment n°3 -> All Other
Expected Growth : 4.2 %
What the company do ?
All Other from Arbuthnot Banking Group PLC refers to the residual segment that includes unallocated costs, profits, and other miscellaneous items not attributed to specific business segments.
Why we expect these perspectives ?
The 4.2% growth in All Other segment of Arbuthnot Banking Group PLC is driven by increasing demand for wealth management services, expansion of private banking operations, and strategic partnerships. Additionally, the segment has benefited from effective cost management, improved operational efficiency, and a favorable interest rate environment, contributing to its robust growth.
Segment n°4 -> Arbuthnot Commercial Asset Based Lending
Expected Growth : 6.2 %
What the company do ?
Arbuthnot Commercial Asset Based Lending provides bespoke funding solutions to UK businesses, offering flexible and secured lending options to support growth and development.
Why we expect these perspectives ?
Arbuthnot Commercial Asset Based Lending's 6.2% growth driven by increasing demand for alternative financing, strong relationships with SMEs, and expansion into new markets. Additionally, the segment benefits from a robust risk management framework, diversified portfolio, and strategic partnerships, enabling it to capitalize on growth opportunities in the UK market.
Segment n°5 -> Renaissance Asset Finance
Expected Growth : 5.9 %
What the company do ?
Renaissance Asset Finance, part of Arbuthnot Banking Group PLC, provides bespoke asset-based financing solutions to UK businesses, supporting growth and development.
Why we expect these perspectives ?
Renaissance Asset Finance's 5.9% growth is driven by increasing demand for asset-based lending, strategic partnerships, and expansion into new markets. Additionally, Arbuthnot Banking Group PLC's strong capital position and risk management capabilities have enabled Renaissance to capitalize on growth opportunities, while its diversified portfolio and experienced management team have contributed to its success.
Segment n°6 -> Wealth Management
Expected Growth : 5.6 %
What the company do ?
Wealth Management from Arbuthnot Banking Group PLC offers bespoke investment solutions, portfolio management, and financial planning to high net worth individuals and families.
Why we expect these perspectives ?
Arbuthnot Banking Group PLC's 5.6% growth in Wealth Management is driven by increasing demand for discretionary investment management services, expansion of its client base, and strategic partnerships. Additionally, the group's focus on bespoke portfolio management, tax-efficient solutions, and robust risk management frameworks have contributed to its growth.
Segment n°7 -> Mortgage Portfolios
Expected Growth : 5.3 %
What the company do ?
Mortgage Portfolios from Arbuthnot Banking Group PLC offer bespoke lending solutions for individuals and businesses, providing flexible financing options for property investments.
Why we expect these perspectives ?
Arbuthnot Banking Group PLC's 5.3% mortgage portfolio growth is driven by strong demand for residential mortgages, competitive pricing, and an increase in lending to first-time buyers. Additionally, the group's strategic expansion into new regions and partnerships with mortgage brokers have contributed to the growth. Furthermore, the group's digital platform and efficient underwriting process have enabled it to capitalize on market opportunities.
Segment n°8 -> Arbuthnot Specialist Finance Limited
Expected Growth : 5.7 %
What the company do ?
Arbuthnot Specialist Finance Limited is a UK-based lender providing short-term bridging loans and development finance, part of Arbuthnot Banking Group PLC.
Why we expect these perspectives ?
Arbuthnot Specialist Finance Limited's 5.7% growth is driven by increasing demand for bespoke financial solutions, strategic partnerships, and expansion into new markets. The company's expertise in specialized lending, robust risk management, and efficient operations also contribute to its growth. Additionally, the parent company's strong capital position and support enable Arbuthnot Specialist Finance to capitalize on emerging opportunities.
Arbuthnot Banking Group Plc Products
| Product Range | What is it ? |
|---|---|
| Private Banking | Personalized banking services for high net worth individuals, including investment management, wealth planning, and bespoke banking solutions. |
| Commercial Banking | Specialized banking services for businesses, including cash management, trade finance, and lending solutions. |
| Arbuthnot Latham | Wealth management and investment services, including portfolio management, investment advice, and financial planning. |
| Real Estate Finance | Specialized lending solutions for property developers, investors, and owners, including development finance, investment loans, and bridging loans. |
| Securities Based Lending | Lending solutions secured against investment portfolios, providing liquidity and flexibility for investors. |
Arbuthnot Banking Group PLC's Porter Forces
Threat Of Substitutes
The threat of substitutes for Arbuthnot Banking Group PLC is medium due to the presence of alternative financial institutions and digital payment platforms.
Bargaining Power Of Customers
The bargaining power of customers for Arbuthnot Banking Group PLC is low due to the lack of negotiating power and the presence of switching costs.
Bargaining Power Of Suppliers
The bargaining power of suppliers for Arbuthnot Banking Group PLC is medium due to the presence of multiple suppliers and the moderate level of dependence on them.
Threat Of New Entrants
The threat of new entrants for Arbuthnot Banking Group PLC is high due to the low barriers to entry and the presence of fintech companies.
Intensity Of Rivalry
The intensity of rivalry for Arbuthnot Banking Group PLC is high due to the presence of multiple competitors and the high level of competition in the banking industry.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 48.07% |
| Debt Cost | 8.67% |
| Equity Weight | 51.93% |
| Equity Cost | 8.67% |
| WACC | 8.67% |
| Leverage | 92.57% |
Arbuthnot Banking Group PLC : Quality Control
Arbuthnot Banking Group PLC passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| TKBP.SW | Thurgauer Kantonalbank provides various banking products and services to private individuals, businesses, companies, and public sectors in Switzerland. It offers accounts, home and personal loans, mortgages, asset management, financial planning, … |
| IF.MI | Banca IFIS S.p.A. provides credit services and solutions for enterprises. It engages in the purchase/management of non-performing loan portfolios. It offers factoring, advisory and equity investment, structured finance, leasing, and … |
| SKJE.CO | Skjern Bank A/S provides various banking products and services to private and corporate customers in Denmark. The company offers saving accounts; home, car, priority, and mortgage loans, as well as … |
| SVEG.OL | Sparebanken Vest, a financial services company, provides banking and financing services in the counties of Vestland and Rogaland, Norway. It operates through Corporate Market, Retail Market, Bulder Bank, Treasury, and … |
| SOON.OL | SpareBank 1 Sørøst-Norge provides various banking products and services for private and corporate customers in Norway. It offers mobile and online banking, card, account, and payment services. In addition, the … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Banca IFIS
A-Score
1-Year Total Return ->
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Skjern Bank
A-Score
1-Year Total Return ->
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SpareBank 1 Sørøst-Norge
A-Score
1-Year Total Return ->
4
Sparebanken Vest
A-Score
1-Year Total Return ->
5
Arbuthnot Banking
A-Score
1-Year Total Return ->
6
