Character Group (CCT) fair value: what the stock is really worth
As of Nov 9, 2026: fair value (intrinsic value) of Character Group stock £4.25, price £3.05, upside +39.3%, quality 61 out of 100. Rating: undervalued. Calculated from audited financials with 14 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.
How to read this chart
60‑month range £2.14 – £5.56 · fair‑value band £3.49 – £5.31 · the £3.05 price screens below the £4.25 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 9, 2026.
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The Character Group plc, a holding company, designs, develops, manufactures, and distributes toys, games, and giftware products in the United Kingdom, Scandinavia, the Far East, and internationally. The company also imports and distributes gifts; and invests in properties.
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It serves pre-school, boys, girls and activity and crafts sectors. The Character Group plc was founded in 1991 and is headquartered in New Malden, the United Kingdom.
Stock analysis
Character Group (CCT) currently trades at £3.05, while our model-based Fair Value estimate is £4.25, implying the stock looks roughly 28% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of £5.22 per share, and 10 of the 14 models we run sit above the £3.05 price.
Bear case: the Asset-Based group reads lowest at £1.00, and 4 of the 14 models stay below the price. Data coverage for this calculation is medium.
Scenario range: £3.49 (bear) to £5.31 (bull), the price of £3.05 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 61/100 (solid quality), in the Consumer Cyclical sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Character Group reported revenue of £100M in FY2025 versus £140M in FY2021, a compound −8.0%/yr. Reported net income was −£1.2M in FY2025.
Key figures
Market cap £54.2M Micro · P/E ex one-offs 54.6 · P/S ratio 0.54 · EPS (TTM) £−0.0900 · Dividend yield 2.3% · Net margin −1.8% · Return on equity −4.9% · Return on assets (EBIT) 10.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 20 out of 100 (low confidence).
What moves the price
The share trades about 5% below its 52-week high and 37% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 10% fair-value upside, at 39%, CCT screens cheaper than that median.
Fair Value models
Bear£3.49Fair Value £4.25Bull£5.31
Price £3.05 · Upside +39.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.19/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−18.6%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−17.1%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
−1.6%
Start year 2020 (pandemic). Over 10 years: +0.1% a year
Revenue growth 33 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+8.2%
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Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
9.6% (2019) → 5.3% (2024)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−4.8%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about −7.0% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its industry: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median.Leisure · 170 stocks
Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score61 · Above median
Fair Value upside+39.3% · Above median
Profitability
Return on assets−1.9% · Bottom 25%
Net margin (12 months)−1.8% · Bottom 25%
Operating margin (12 months)4.9% · Below median
Growth and dividend
Revenue growth (quarter YoY)−8.9% · Bottom 25%
Dividend yield (12 months)2.3% · Below median
Valuation Multiplesvs Leisure median · lower = cheaper
P/B1.64× · Pricier than median
P/S (12 months)0.57× · Cheapest 25%
Price / free cash flow (fiscal year)9.5× · Cheaper than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Character Group Fair Value". https://www.fairvalue-calculator.com/stock/CCT
Frequently asked questions
Is Character Group (CCT) overvalued or undervalued?
As of Nov 9, 2026, our model estimates a fair value of £4.25 versus a price of £3.05, about +39% upside (undervalued).
What is the fair value of CCT?
Our model-based fair value for Character Group is £4.25 (as of Nov 9, 2026), built from audited fundamentals. The current price: £3.05.
What is the quality score of CCT?
Character Group has a Quality Score of 61/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Character Group (CCT)?
Our model-based price target is the fair value of £4.25 (as of Nov 9, 2026) from 14 valuation models. Cautious scenario £3.49, optimistic scenario £5.31. It is a calculation from audited fundamentals, not an analyst target.
What is the Character Group stock forecast for 2026?
Our models put fair value at £4.25, about +39% upside versus a price of £3.05 (undervalued). Cautious scenario £3.49, optimistic scenario £5.31. The calculation is refreshed regularly with new filings.
What is the revenue of Character Group (CCT)?
Character Group reported trailing-twelve-month revenue of about £95.7M (latest available figure, as of Nov 9, 2026).
Does Character Group pay a dividend?
Character Group currently shows a dividend yield of 2.30% relative to its recent price (as of Nov 9, 2026).
How much is the dividend of Character Group (CCT) and when is the ex-dividend date?
Character Group pays a dividend of £0.07 per share a year, a dividend yield of 2.3%. The last ex-dividend date was Jul 16, 2026. A dividend has been paid every year since 2010. Free cash flow covers the dividend 4.71 times. Our assessment: Cash covered. The dividend is fully funded by free cash flow. The payout ratio on earnings is not available for this company.
What growth is priced into Character Group (CCT)?
For today's price to be fair in a discounted-cash-flow model, Character Group would have to grow free cash flow by -4.8 % per year for five years (discount rate 11.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -1.6 % per year. As of Nov 9, 2026.
What discount rate (WACC) does the fair value of CCT use?
Our models discount Character Group at 11.8 %: a base by market capitalisation (micro), damped by beta 0.13, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Character Group that is -4.8 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (11.8 %) and the same formula as our fair value.
How much growth has Character Group (CCT) delivered so far?
Over the past 5 years revenue at Character Group grew -1.6 % a year. The price currently implies free-cash-flow growth of -4.8 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Character Group (CCT) growing?
The median revenue growth in the sector is +4.8 % a year. That is the yardstick for the growth priced into Character Group (-4.8 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Character Group (CCT)?
The free-cash-flow yield on the price is 10.52 %: that much free cash flow Character Group produces per unit of market value. When it exceeds the discount rate of our models (11.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Character Group (CCT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Character Group it is £4.25 per share (as of Nov 9, 2026), against a price of £3.05. It is the blended result of 14 valuation models in 6 families (DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit).
Is Character Group stock overvalued or undervalued in 2026?
As of Nov 9, 2026, CCT trades below its calculated fair value: price £3.05, fair value £4.25, a gap of about +39% (undervalued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CCT?
No. The price is what the market pays today (£3.05); the fair value is what the company's own numbers justify (£4.25). For Character Group the two are £1.20 per share apart. That gap is exactly why we show both numbers side by side.
How much is Character Group worth?
The market values Character Group at about £54.2M (market capitalisation, as of Nov 9, 2026). Per share that is £3.05; our models calculate a fair value of £4.25 per share.
What do the bullish and bearish scenarios say about CCT?
Our models span a range for Character Group: cautious scenario £3.49, base £4.25, optimistic £5.31 per share (as of Nov 9, 2026, price £3.05). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Character Group (CCT)?
Balance-sheet figures for Character Group (as of Nov 9, 2026): return on equity −4.9%. They feed the Quality Score of 61/100, which measures business quality independently of the share price.
How far is CCT from its 52-week high?
Character Group trades at £3.05, about 5% below its 52-week high of £3.21 and 37% above the low of £2.22 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of £4.25 is for.
Which stocks are comparable to Character Group?
From the same area (Consumer Cyclical) we also value Pop Mart International Group, Amer Sports, Inc, Hasbro, Inc, Life Time Group, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Character Group stock attractive at the current price?
The data as of Nov 9, 2026: price £3.05, calculated fair value £4.25 (+39%), Quality Score 61/100, from 14 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CCT calculated?
We run Character Group through 14 models from 6 families: DCF Models, Earnings-Based, Multiples, Asset-Based, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of £4.25 builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.3% above its aggregate fair value. Character Group currently trades 28% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Character Group (CCT)?
The closing price on Nov 9, 2026 was £3.05. Our model-based fair value is £4.25, about +39% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Character Group right now?
The price is below even our cautious bear case (£3.49). The market is more pessimistic than our downside scenario. Solid quality (61/100) at a price below fair value, the discount is the argument here, not the business quality.
Where does the earnings growth of Character Group (CCT) come from?
Earnings per share at Character Group grew −6.7 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.8 %, EBIT margin −8.7 %, tax rate −0.2 %, residual (interest, one-offs) −1.3 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Character Group
How large is the market capitalisation of Character Group (CCT)?
The market capitalisation of Character Group is £54.2M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/E ratio of Character Group (CCT) excluding one-off items?
Excluding one-off items, the price-to-earnings ratio of Character Group is 54.6 (fiscal year 2025, the reported result was a loss, median at FY-end 11.5 (10 FY)).
What is the P/S ratio of Character Group (CCT)?
The price-to-sales ratio of Character Group is 0.54 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Character Group (CCT)?
Earnings per share at Character Group are £−0.0900. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Character Group (CCT)?
The dividend yield of Character Group is 2.3%. Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Character Group (CCT)?
The net margin of Character Group is −1.8% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Character Group (CCT)?
The return on equity (ROE) of Character Group is −4.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Character Group (CCT)?
On an EBIT basis the return on assets of Character Group is 10.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Character Group (CCT)?
The operating margin of Character Group is 4.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Character Group (CCT)?
Revenue at Character Group is growing −8.9% versus a year earlier (3y avg −17.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Character Group (CCT)?
Earnings per share at Character Group are growing −16.9% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Character Group (CCT) hold?
Character Group holds more cash than debt, £11.9M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Some data
Nov 9, 2026