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EARNZ plc (EARN) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of EARNZ plc stock £0.05, price £0.06, that is 13.0% below the price, quality 36 out of 100. Rating: overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Industrials GB · ISIN GB00BRC2TB67

EP EARNZ plc logo Thin data Nov 10, 2026

EARNZ plc

EARN · LSE
Expensive, weak quality

Our calculation puts a fair price 13% below what the stock costs today.

Low debt
Revenue last quarter +78% vs. a year ago.
Expensive Growth (revenue 5y +252.9 %/yr in GBP)
Fair value £0.0479 · Overvalued
Quality 36/100
Loss-making · -21.6% net margin (TTM)
Negative free cash flow
Trails peers (1/9)
Narrow moat 6/100 · thin data
Thin data
Estimate

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26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

£4.80 £0.0305 Fair Value £0.0479 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range £0.0305 – £4.80 · fair‑value band £0.0421 – £0.0536 · the £0.0550 price screens above the £0.0479 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

EARNZ plc provides heating maintenance, new energy services, and boiler refits across residential and commercial properties. It focuses on building businesses in the energy services sector building fabric; and decarbonization of public and private sector building fabric.

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The company was formerly known as Verditek PLC and changed its name to EARNZ plc in March 2024. EARNZ plc was incorporated in 2016 and is based in Cheltenham, the United Kingdom.

Stock analysis

EARNZ plc (EARN) currently trades at £0.0550, while our estimate is £0.0479, 13% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: £0.0421 (bear) to £0.0536 (bull), the price of £0.0550 sits above 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 36/100 (below-average quality), in the Industrials sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

EARNZ plc reported revenue of £11.8M in FY2025 versus £108K in FY2021, a compound +223.5%/yr. Reported net income was −£1.7M in FY2025.

Key figures

Market cap £18.6M Micro · P/S ratio 1.20 · EPS (TTM) £−0.0200 · Net margin −21.6% · Return on equity −59.4% · Return on assets (EBIT) −68.2% (5-year average) · Operating margin −21.0% · Revenue (TTM) £15.5M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 6 out of 100 (low confidence).

What moves the price

The share trades about 6% below its 52-week high and 80% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Industrials peers we cover trades at −31% fair-value upside, at −13%, EARN screens cheaper than that median.

Fair Value

Bear £0.0421 Fair Value £0.0479 Bull £0.0536
Price £0.0550 · Downside -13.0%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 36/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 31
How much profit the company makes from its sales and capital
Quality Growth 100
Are margins and returns getting better?
Cashflow 18
Do the profits arrive as real cash?
Financial strength 43
Debt, balance sheet and risk of trouble
Investment 33
Does it invest with discipline instead of growing at any price?
Low Volatility 57
How calm the share price moves, does not count
Price momentum 56
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 60
Distance to the 52-week high, does not count
New shares 0
Buys back shares or issues new ones?

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Revenue & earnings trend

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. 44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+346.9%
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.
+204.5%
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.
+252.9%
Start year 2020 (pandemic)
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.
−10,550.7% (2020) → −11.4% (2025)
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

EARN screens overvalued: fair value 13% below the price. Compare with Quanta Services, Inc →

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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.Engineering & Construction · 823 stocks

Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 36 · Bottom 25%
Fair Value upside −12.9% · Below median
Profitability
Return on assets −19.4% · Bottom 25%
Net margin (12 months) −21.6% · Bottom 25%
Operating margin (12 months) −21.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 77.6% · Top 25%
Balance sheet
Debt / equity 0.17× · Above median

Valuation Multiplesvs Engineering & Construction median · lower = cheaper

P/B 4.95× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months) 1.20× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)16 · sector 29
FUTURE (revenue growth)100 · sector 20
PAST (return on equity)0 · sector 25
HEALTH (low debt)92 · sector 94
DIVIDEND (yield)0 · sector 42

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Engineering & Construction stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
China State Construction Engineering Corporation 601668 ¥4.65 ¥13.95 +200% vs EARN
Vinci SA DG €114.75 €186.68 +63% vs EARN
Comfort Systems USA, Inc FIX $1,106 $1,122 +1% vs EARN
EMCOR Group EME $645.39 $524.14 −19% vs EARN
ACS, Actividades de Construcción y Servicios, S.A ACS €90.15 €62.21 −31% vs EARN
Samsung C&T Corporation 028260 279,000 KRW 159,702 KRW −43% vs EARN
HOCHTIEF Aktiengesellschaft HOT €366.00 €203.86 −44% vs EARN
Larsen & Toubro Limited LT ₹4,185 ₹2,302 −45% vs EARN
Ferrovial N.V FER $60.99 $23.22 −62% vs EARN
Quanta Services, Inc PWR $583.14 $162.41 −72% vs EARN

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EARNZ plc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "EARNZ plc Fair Value". https://www.fairvalue-calculator.com/stock/EARN

Frequently asked questions

Is EARNZ plc (EARN) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is £0.0479 versus a price of £0.0550, about 13% lower (overvalued).
What is the fair value of EARN?
Our estimate for EARNZ plc is £0.0479 (as of Nov 10, 2026), built from audited fundamentals. The current price: £0.0550.
What is the quality score of EARN?
EARNZ plc has a Quality Score of 36/100. 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 EARNZ plc (EARN)?
Our calculated price target is the estimate of £0.0479 (as of Nov 10, 2026). Cautious scenario £0.0421, optimistic scenario £0.0536. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the EARNZ plc stock forecast for 2026?
Our estimate puts fair value at £0.0479, about 13% lower versus a price of £0.0550 (overvalued). Cautious scenario £0.0421, optimistic scenario £0.0536. The calculation is refreshed regularly with new filings.
What is the revenue of EARNZ plc (EARN)?
EARNZ plc reported trailing-twelve-month revenue of about £15.5M (latest available figure, as of Nov 10, 2026).
What is the intrinsic value of EARNZ plc (EARN)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For EARNZ plc it is £0.0479 per share (as of Nov 10, 2026), against a price of £0.0550.
Is EARNZ plc stock overvalued or undervalued in 2026?
As of Nov 10, 2026, EARN trades above its calculated fair value: price £0.0550, fair value £0.0479, a gap of about −13% (overvalued). 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 EARN?
No. The price is what the market pays today (£0.0550); the fair value is what the company's own numbers justify (£0.0479). For EARNZ plc the two are £0.0072 per share apart. That gap is exactly why we show both numbers side by side.
How much is EARNZ plc worth?
The market values EARNZ plc at about £18.6M (market capitalisation, as of Nov 10, 2026). Per share that is £0.0550; our models calculate a fair value of £0.0479 per share.
What do the bullish and bearish scenarios say about EARN?
Our models span a range for EARNZ plc: cautious scenario £0.0421, base £0.0479, optimistic £0.0536 per share (as of Nov 10, 2026, price £0.0550). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of EARNZ plc (EARN)?
Balance-sheet figures for EARNZ plc (as of Nov 10, 2026): return on equity −59.4%, debt of 0.17 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is EARN from its 52-week high?
EARNZ plc trades at £0.0550, about 6% below its 52-week high of £0.0585 and 80% above the low of £0.0305 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of £0.0479 is for.
Which stocks are comparable to EARNZ plc?
From the same area (Industrials) we also value Quanta Services, Inc, Vinci SA, Larsen & Toubro Limited, Comfort Systems USA, Inc, 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 EARNZ plc stock attractive at the current price?
The data as of Nov 10, 2026: price £0.0550, calculated fair value £0.0479 (−13%), Quality Score 36/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. EARNZ plc itself currently trades above fair value. 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 EARNZ plc (EARN)?
The closing price on Nov 10, 2026 was £0.0550. Our estimate is £0.0479, about 13% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with EARNZ plc right now?
The price sits above even our optimistic bull case (£0.0536). The favourable scenario is already priced in. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of EARNZ plc

How large is the market capitalisation of EARNZ plc (EARN)?
The market capitalisation of EARNZ plc is £18.6M. 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/S ratio of EARNZ plc (EARN)?
The price-to-sales ratio of EARNZ plc is 1.20 (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 EARNZ plc (EARN)?
Earnings per share at EARNZ plc are £−0.0200. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of EARNZ plc (EARN)?
The net margin of EARNZ plc is −21.6% (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 EARNZ plc (EARN)?
The return on equity (ROE) of EARNZ plc is −59.4% (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 EARNZ plc (EARN)?
On an EBIT basis the return on assets of EARNZ plc is −68.2% (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 EARNZ plc (EARN)?
The operating margin of EARNZ plc is −21.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at EARNZ plc (EARN)?
Revenue at EARNZ plc is growing +77.6% versus a year earlier (3y avg +204%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does EARNZ plc (EARN) generate?
The free cash flow of EARNZ plc is −£2.4M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does EARNZ plc (EARN) carry?
The net debt of EARNZ plc is £1.2M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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