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STOCK COMPARISON

James Cropper vs UPM-Kymmene Oyj: Fair Value & Quality

Both stocks run through our valuation models. Here is how James Cropper (CRPR) and UPM-Kymmene Oyj (UPM) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees James Cropper as the less overvalued of the two: James Cropper trades at £6.15 versus a fair value of £5.17 (-16%), while UPM-Kymmene Oyj trades at €25.58 versus €21.04 (-18%).
James Cropper
CRPR.LSE · GBX · Materials
-16%
upside to fair value
overvalued
Price£6.15
Fair Value£5.17
Quality67/100
UPM-Kymmene Oyj
UPM.HE · EUR · Materials
-18%
upside to fair value
overvalued
Price€25.58
Fair Value€21.04
Quality60/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

James CropperUPM-Kymmene Oyj
Valuation
n/aP/E (TTM)25.1×
0.76×P/S (TTM)1.62×
3.15×P/B1.54×
10.8×EV/EBITDA15.2×
n/aPEG12.89×
−15.9%Fair value upside−17.7%
n/aDividend yield5.9%
n/aDividend per share€1.50
Profitability
6%Operating margin10%
8.20×EBIT margin trend (5Y)0.51×
-11%Return on equity5%
4%Return on assets2%
Growth
4%Revenue growth (YoY)-5%
-7.4%Avg. growth/yr (3Y)-6.3%
5.5%Avg. growth/yr (5Y)2.4%
+13.4%Value creation/yr−8.6%
Balance & size
2.1×Interest coverage (EBIT/interest)4.2×
0.66×Debt / equity0.28×
$77MMarket cap$15B
weakGrowth qualityweak

James Cropper leads: 7 to 5 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

James Cropperof which business quality 66 · market factors 87 UPM-Kymmene Oyjof which business quality 58 · market factors 65
ProfitabilityMargins and returns on capital today
54
26
Quality GrowthAre margins and returns improving?
61
38
CashflowEarnings quality: real cash, not paper profit
64
66
Fin. StrengthBalance sheet, leverage, solvency risk
51
55
InvestmentDisciplined investing over empire-building
100
96
Low VolatilityCalm price path (market factor)
61
90
MomentumPrice trend over the last 3–12 months (market factor)
100
47
52W MomentumDistance to the 52-week high (market factor)
95
65
Net IssuanceShare count: buybacks or dilution?
91
88

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyJames CropperPrice £6.15UPM-Kymmene OyjPrice €25.58
DCF Models+27%above the price£7.82-42%below the price€14.71
Earnings-Based-39%below the price£3.74-84%below the price€4.21
Dividend Discountn/a-37%below the price€16.20
Multiples-14%close to the price£5.31-40%below the price€15.45
Asset-Based-72%below the price£1.71-50%below the price€12.71
Growth DCF+40%above the price£8.59-32%below the price€17.31
Economic Profit-50%below the price£3.06-69%below the price€7.88
Growth Earnings-34%below the price£4.08-54%below the price€11.81
Minimum-72%below the price£1.71-84%below the price€4.21
Maximum+40%above the price£8.59-32%below the price€17.31
Median-34%below the price£4.08-46%below the price€13.71
Geometric mean-30%below the price£4.33-55%below the price€11.55

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

James Cropper: 11 of 22 models see the stock below the current price.

UPM-Kymmene Oyj: 24 of 24 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

James Cropper
Price £6.15
Fair Value £5.17
Bear £3.88Bull £6.46
UPM-Kymmene Oyj
Price €25.58
Fair Value €21.04
Bear €15.60Bull €25.27

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

James Cropper · Materials

Quality score67 · Top 25%
Fair value upside-16% · above median

UPM-Kymmene Oyj · Materials

Quality score60 · Top 25%
Fair value upside-18% · above median

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees James Cropper as the less overvalued of the two: James Cropper trades at £6.15 versus a fair value of £5.17 (-16%), while UPM-Kymmene Oyj trades at €25.58 versus €21.04 (-18%).

James Cropper has the higher quality score (67/100).

Open James Cropper live analysis →
James Cropper · UPM-Kymmene Oyj

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.