CFM Indosuez Wealth SA (MLCFM) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of CFM Indosuez Wealth SA stock €1,034, price €1,500, that is 31.1% below the price, quality 44 out of 100. Rating: overvalued. Calculated from audited financials with 6 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 5, 2026.
How to read this chart
60‑month range €462.36 – €1,500 · fair‑value band €661.37 – €1,292 · the €1,500 price screens above the €1,034 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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CFM Indosuez Wealth Management SA, together with its subsidiaries, engages in the provision of banking and financial solutions in Monaco and internationally. It primarily provides wealth management services to private investors, businesses, institutions, and professionals.
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The company was founded in 1922 and is based in Monaco. CFM Indosuez Wealth Management SA is a subsidiary of CA Indosuez Société anonyme.
Stock analysis
CFM Indosuez Wealth SA (MLCFM) currently trades at €1,500, while our model-based Fair Value estimate is €1,034, 31% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of €1,127 per share, and 0 of the 6 models we run sit above the €1,500 price.
Bear case: the Asset-Based group reads lowest at €448.86, and 6 of the 6 models stay below the price. Data coverage for this calculation is high.
Scenario range: €661.37 (bear) to €1,292 (bull), the price of €1,500 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 44/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
CFM Indosuez Wealth SA reported revenue of €190M in FY2025 versus €131M in FY2021, a compound +9.9%/yr. Reported net income was €49.8M in FY2025, compounding +14.4%/yr from FY2021.
Key figures
Market cap €860M Small · P/E ratio 17.2 · P/S ratio 4.62 · EPS (TTM) €87.00 · Dividend yield 4.7% · Net margin 26.8% · Return on equity 11.8% · Return on assets (EBIT) 0.8% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 67 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 28% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −31%, MLCFM screens richer than that median.
Fair Value models
Bear€661.37Fair Value €1,034Bull€1,292
Price €1,500 · Downside -31.1%
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. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (€14.36 per share) are deliberately not added.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.49/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
−4.5%
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.
+6.7%
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.
+10.4%
Start year 2020 (pandemic). Over 10 years: +4.8% a year
Revenue growth 26 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.
+4.2%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+16.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.4%
Dividend (yield on the price)4.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.11.4% vs 1.5%, picking up
Profit margin 2020 to 2025 ⓘ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.22% → 32%
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.Banks - Regional · 998 stocks
Beats the industry median on 3/13 measures
Overall it trails its industry peers.
Valuation
Quality Score44 · Bottom 25%
Fair Value upside−31.1% · Below median
Profitability
Return on equity (12 months)11.8% · Above median
Return on assets0.7% · Below median
Net margin (12 months)26.8% · Below median
Operating margin (12 months)32.9% · Below median
Growth and dividend
Revenue growth (quarter YoY)0.0% · Bottom 25%
Dividend yield (12 months)4.7% · Top 25%
Balance sheet
Debt / equity0.18× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (12 months)17.2× · Priciest 25%
P/B2.02× · Priciest 25%
P/S (12 months)4.62× · Priciest 25%
EV/EBITDA10.3× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 8
FUTURE (revenue growth)0· sector 47
PAST (return on equity)47· sector 43
HEALTH (low debt)–
DIVIDEND (yield)94· sector 53
VALUE 0: the price sits above our fair-value range.
HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.
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). "CFM Indosuez Wealth SA Fair Value". https://www.fairvalue-calculator.com/stock/MLCFM
Frequently asked questions
Is CFM Indosuez Wealth SA (MLCFM) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of €1,034 versus a price of €1,500, about 31% lower (overvalued).
What is the fair value of MLCFM?
Our model-based fair value for CFM Indosuez Wealth SA is €1,034 (as of Nov 5, 2026), built from audited fundamentals. The current price: €1,500.
What is the quality score of MLCFM?
CFM Indosuez Wealth SA has a Quality Score of 44/100. 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 CFM Indosuez Wealth SA (MLCFM)?
Our model-based price target is the fair value of €1,034 (as of Nov 5, 2026) from 6 valuation models. Cautious scenario €661.37, optimistic scenario €1,292. It is a calculation from audited fundamentals, not an analyst target.
What is the CFM Indosuez Wealth SA stock forecast for 2026?
Our models put fair value at €1,034, about 31% lower versus a price of €1,500 (overvalued). Cautious scenario €661.37, optimistic scenario €1,292. The calculation is refreshed regularly with new filings.
What is the revenue of CFM Indosuez Wealth SA (MLCFM)?
CFM Indosuez Wealth SA reported trailing-twelve-month revenue of about €186M (latest available figure, as of Nov 5, 2026).
Does CFM Indosuez Wealth SA pay a dividend?
CFM Indosuez Wealth SA currently shows a dividend yield of 4.68% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of CFM Indosuez Wealth SA (MLCFM) and when is the ex-dividend date?
CFM Indosuez Wealth SA pays a dividend of €70.20 per share a year, a dividend yield of 4.7%. The last ex-dividend date was May 13, 2026. A dividend has been paid every year since 2021. The payout ratio is 80.7% of earnings. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What is the intrinsic value of CFM Indosuez Wealth SA (MLCFM)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CFM Indosuez Wealth SA it is €1,034 per share (as of Nov 5, 2026), against a price of €1,500. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is CFM Indosuez Wealth SA stock overvalued or undervalued in 2026?
As of Nov 5, 2026, MLCFM trades above its calculated fair value: price €1,500, fair value €1,034, a gap of about −31% (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 MLCFM?
No. The price is what the market pays today (€1,500); the fair value is what the company's own numbers justify (€1,034). For CFM Indosuez Wealth SA the two are €466.12 per share apart. That gap is exactly why we show both numbers side by side.
How much is CFM Indosuez Wealth SA worth?
The market values CFM Indosuez Wealth SA at about €860M (market capitalisation, as of Nov 5, 2026). Per share that is €1,500; our models calculate a fair value of €1,034 per share.
What do the bullish and bearish scenarios say about MLCFM?
Our models span a range for CFM Indosuez Wealth SA: cautious scenario €661.37, base €1,034, optimistic €1,292 per share (as of Nov 5, 2026, price €1,500). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MLCFM?
CFM Indosuez Wealth SA trades at a price-to-earnings ratio of 17.2 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €1,034 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 13.9. Other multiples: P/B 2.0, P/S 4.6, EV/EBITDA 10.3.
How solid is the balance sheet of CFM Indosuez Wealth SA (MLCFM)?
Balance-sheet figures for CFM Indosuez Wealth SA (as of Nov 5, 2026): return on equity 11.8%, debt of 0.18 per unit of equity. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is MLCFM from its 52-week high?
CFM Indosuez Wealth SA trades at €1,500, at its 52-week high of €1,500 and 28% above the low of €1,172 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €1,034 is for.
Which stocks are comparable to CFM Indosuez Wealth SA?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial 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 CFM Indosuez Wealth SA stock attractive at the current price?
The data as of Nov 5, 2026: price €1,500, calculated fair value €1,034 (−31%), Quality Score 44/100, from 6 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 MLCFM calculated?
We run CFM Indosuez Wealth SA through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of €1,034 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 13.0% above its aggregate fair value. CFM Indosuez Wealth SA 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 CFM Indosuez Wealth SA (MLCFM)?
The closing price on Nov 6, 2026 was €1,500. Our model-based fair value is €1,034, about 31% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CFM Indosuez Wealth SA right now?
The price sits above even our optimistic bull case (€1,292). The favourable scenario is already priced in. Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts. A fairly wide model range (€661.37 to €1,292) leaves room in how you read the outcome. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of CFM Indosuez Wealth SA (MLCFM) come from?
Earnings per share at CFM Indosuez Wealth SA grew +4.5 % a year from 2014 to 2025. Broken into its drivers: revenue per share +6.8 %, EBIT margin +0.3 %, tax rate −1.3 %, residual (interest, one-offs) −1.1 %. 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 CFM Indosuez Wealth SA
How large is the market capitalisation of CFM Indosuez Wealth SA (MLCFM)?
The market capitalisation of CFM Indosuez Wealth SA is €860M. 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 CFM Indosuez Wealth SA (MLCFM)?
The price-to-sales ratio of CFM Indosuez Wealth SA is 4.62 (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 CFM Indosuez Wealth SA (MLCFM)?
Earnings per share at CFM Indosuez Wealth SA are €87.00 (price ÷ EPS = P/E 17.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of CFM Indosuez Wealth SA (MLCFM)?
The dividend yield of CFM Indosuez Wealth SA is 4.7% (payout 80.7%). 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 CFM Indosuez Wealth SA (MLCFM)?
The net margin of CFM Indosuez Wealth SA is 26.8% (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 CFM Indosuez Wealth SA (MLCFM)?
The return on equity (ROE) of CFM Indosuez Wealth SA is 11.8% (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 CFM Indosuez Wealth SA (MLCFM)?
On an EBIT basis the return on assets of CFM Indosuez Wealth SA is 0.8% (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 CFM Indosuez Wealth SA (MLCFM)?
The operating margin of CFM Indosuez Wealth SA is 32.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How much free cash flow does CFM Indosuez Wealth SA (MLCFM) generate?
The free cash flow of CFM Indosuez Wealth SA is −€7.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does CFM Indosuez Wealth SA (MLCFM) hold?
CFM Indosuez Wealth SA holds more cash than debt, €302M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 5, 2026