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Graubündner Kantonalbank (0QLT) fair value: what the stock is really worth
As of Oct 2, 2026: fair value of Graubündner Kantonalbank £946, price £2,535, upside -62.7%, quality 67 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Some data
Oct 4, 2026
Graubündner Kantonalbank
0QLT · LSEStretched ValuationStrong overvaluation with only moderate quality.
Quality 67/100
Highly profitable · 44.2% net margin (TTM)
Generates free cash flow
Wide moat 65/100
Mixed Growth (revenue 5y +13.6 %/yr in CHF)
1.9% dividend yield · Watch coverage
Some data
Fair value £945.54 · Strongly overvalued (−62.7%)
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What runs behind every stock
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
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 4, 2026.
How to read this chart
60‑month range £1,346 – £2,810 · fair‑value band £887.06 – £1,315 · the £2,535 price screens above the £945.54 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 4, 2026.
Company profile
Graubündner Kantonalbank provides various banking and products services to private individuals and companies primarily in Switzerland.
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Graubündner Kantonalbank provides various banking and products services to private individuals and companies primarily in Switzerland. It offers accounts and cards, payment transactions, investing and saving, planning and protection, mortgages and housing, youth and finance, private banking, interest rates and terms; stock exchange and markets; assets and investments; SME consulting, finance advice, digital business consulting; and e-banking and mobile banking services. Graubündner Kantonalbank was founded in 1870 and is headquartered in Chur, Switzerland.
Stock analysis
Graubündner Kantonalbank (0QLT) currently trades at £2,535, while our model-based Fair Value estimate is £945.54, 62.7% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of £1,027 per share, and 0 of the 6 models we run sit above the £2,535 price.
Bear case: the Dividend Discount group reads lowest at £603.54, and 6 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: £887.06 (bear) to £1,315 (bull), the price of £2,535 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 67/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Graubündner Kantonalbank reported revenue of CHF 661M in FY2025 versus CHF 439M in FY2021, a compound +10.8%/yr. Reported net income was CHF 216M in FY2025, compounding +4.1%/yr from FY2021.
Key figures
Market cap £6.3B · P/E ratio 0.3 · P/S ratio 0.10 · EPS (TTM) £73.92 · Dividend yield 1.9% · Net margin 32.7% · Return on equity 7.5% · Return on assets (EBIT) 0.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 10% below its 52-week high and 50% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at −63%, 0QLT screens richer than that median.
Fair Value models
Bear £887.06
Fair Value £945.54
Bull £1,315
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (£20.05 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.
Evidence ⓘEvidence = 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.
Highest evidence
Residual Income
£878.23
£926.12
£1,018
76
Gordon GGM
£380.86
£758.90
£1,149
67
DDM Multi-Stage
£380.86
£603.54
£801.07
66
All 6 models by family
Dividend Discount
Gordon GGM
£380.86
£758.90
£1,149
67
DDM Multi-Stage
£380.86
£603.54
£801.07
66
Multiples
P/E Multiple
£770.11
£1,027
£1,284
63
P/B Multiple
£1,007
£1,343
£1,678
55
Asset-Based
NCAV (Graham)
£542.61
£727.09
£1,085
51
Economic Profit
Residual Income
£878.23
£926.12
£1,018
76
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Set up alert →Quality Score breakdown
Overall quality
67/100
Of which business quality 62 · Market factors (momentum, volatility) 81
Profitability
32
Margins and returns on capital today
Quality Growth
60
Are margins and returns improving?
Cashflow
55
Earnings quality: real cash, not paper profit
Fin. Strength
75
Balance sheet, leverage, solvency risk
Investment
87
Disciplined investing over empire-building
Low Volatility
92
Calm price path (market factor)
Momentum
72
Price trend over the last 3–12 months (market factor)
52W Momentum
81
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
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.
85/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+22.0%
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.
+13.6%
Revenue growth 12 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.
+6.3%
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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.
+6.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+4.5%
Dividend (yield on the price)1.9%
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.4.5% vs 2.7%, steady
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.48% → 35%
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
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).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
0QLT screens overvalued: fair value 63% below the price. Compare with DBS Group →
Compare Graubündner Kantonalbank with another stock
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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 · 1055 stocks
Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: UK Stocks
- Valuation of the UK 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 Banks - Regional stocks, each showing price versus our Fair Value estimate.
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| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
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Frequently asked questions
Is Graubündner Kantonalbank (0QLT) overvalued or undervalued?
As of Oct 4, 2026, our model estimates a fair value of £945.54 versus a price of £2,535, about −63% upside (overvalued).
What is the fair value of 0QLT?
Our model-based fair value for Graubündner Kantonalbank is £945.54 (as of Oct 4, 2026), built from audited fundamentals. The current price: £2,535.
What is the quality score of 0QLT?
Graubündner Kantonalbank has a Quality Score of 67/100. 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 Graubündner Kantonalbank (0QLT)?
Our model-based price target is the fair value of £945.54 (as of Oct 4, 2026) from 6 valuation models. Cautious scenario £887.06, optimistic scenario £1,315. It is a calculation from audited fundamentals, not an analyst target.
What is the Graubündner Kantonalbank stock forecast for 2026?
Our models put fair value at £945.54, about −63% upside versus a price of £2,535 (overvalued). Cautious scenario £887.06, optimistic scenario £1,315. The calculation is refreshed regularly with new filings.
What is the revenue of Graubündner Kantonalbank (0QLT)?
Graubündner Kantonalbank reported trailing-twelve-month revenue of about CHF 489M (latest available figure, as of Oct 4, 2026).
Does Graubündner Kantonalbank pay a dividend?
Graubündner Kantonalbank currently shows a dividend yield of about 1.87% relative to its recent price (as of Oct 4, 2026).
What growth is priced into Graubündner Kantonalbank (0QLT)?
For today's price to be fair in a discounted-cash-flow model, Graubündner Kantonalbank would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 9.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +10.6 % per year. As of Oct 4, 2026.
What discount rate (WACC) does the fair value of 0QLT use?
Our models discount Graubündner Kantonalbank at 9.0 %: a base by market capitalisation (mid), damped by beta 0.04, 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 Graubündner Kantonalbank that is less than minus 40 % per year a year over ten years, using the same discount rate (9.0 %) and the same formula as our fair value.
How much growth has Graubündner Kantonalbank (0QLT) delivered so far?
Over the past 5 years revenue at Graubündner Kantonalbank grew +10.6 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a 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.
What is the free cash flow yield of Graubündner Kantonalbank (0QLT)?
The free-cash-flow yield on the price is 1.51 %: that much free cash flow Graubündner Kantonalbank produces per unit of market value. When it exceeds the discount rate of our models (9.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Graubündner Kantonalbank (0QLT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Graubündner Kantonalbank it is £945.54 per share (as of Oct 4, 2026), against a price of £2,535. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Graubündner Kantonalbank stock overvalued or undervalued in 2026?
As of Oct 4, 2026, 0QLT trades above its calculated fair value: price £2,535, fair value £945.54, a gap of about −63% (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 0QLT?
No. The price is what the market pays today (£2,535); the fair value is what the company's own numbers justify (£945.54). For Graubündner Kantonalbank the two are £1,589 per share apart. That gap is exactly why we show both numbers side by side.
How much is Graubündner Kantonalbank worth?
The market values Graubündner Kantonalbank at about £6.3B (market capitalisation, as of Oct 4, 2026). Per share that is £2,535; our models calculate a fair value of £945.54 per share.
What do the bullish and bearish scenarios say about 0QLT?
Our models span a range for Graubündner Kantonalbank: cautious scenario £887.06, base £945.54, optimistic £1,315 per share (as of Oct 4, 2026, price £2,535). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0QLT?
Graubündner Kantonalbank trades at a price-to-earnings ratio of 0.3 (as of Oct 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £945.54 is built from several models across several years.
How solid is the balance sheet of Graubündner Kantonalbank (0QLT)?
Balance-sheet figures for Graubündner Kantonalbank (as of Oct 4, 2026): return on equity 7.5%. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is 0QLT from its 52-week high?
Graubündner Kantonalbank trades at £2,535, about 10% below its 52-week high of £2,810 and 50% above the low of £1,687 (as of Oct 2, 2026). Distance from the high says nothing about value: that is what the fair value of £945.54 is for.
Which stocks are comparable to Graubündner Kantonalbank?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, 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 Graubündner Kantonalbank stock attractive at the current price?
The data as of Oct 4, 2026: price £2,535, calculated fair value £945.54 (−63%), Quality Score 67/100, 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 0QLT calculated?
We run Graubündner Kantonalbank through 6 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £945.54, 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 14.9 % above its aggregate fair value. Graubündner Kantonalbank 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 Graubündner Kantonalbank (0QLT)?
The closing price on Oct 2, 2026 was £2,535. Our model-based fair value is £945.54, about −63% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Graubündner Kantonalbank right now?
The price sits above even our optimistic bull case (£1,315). The favourable scenario is already priced in. Solid but not exceptional quality (67/100) and above fair value, neither a clear bargain nor a standout compounder. 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 Graubündner Kantonalbank (0QLT) come from?
Earnings per share at Graubündner Kantonalbank grew +2.8 % a year from 2014 to 2025. Broken into its drivers: revenue per share +5.5 %, EBIT margin −1.3 %, tax rate −0.1 %, residual (interest, one-offs) −1.2 %. 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 Graubündner Kantonalbank
How large is the market capitalisation of Graubündner Kantonalbank (0QLT)?
The market capitalisation of Graubündner Kantonalbank is £6.3B. 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 Graubündner Kantonalbank (0QLT)?
The price-to-sales ratio of Graubündner Kantonalbank is 0.10 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Graubündner Kantonalbank (0QLT)?
Earnings per share at Graubündner Kantonalbank are £73.92 (price ÷ EPS = P/E 0.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Graubündner Kantonalbank (0QLT)?
The dividend yield of Graubündner Kantonalbank is 1.9% (payout 64.3%). 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 Graubündner Kantonalbank (0QLT)?
The net margin of Graubündner Kantonalbank is 32.7% (fiscal year 2025). 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 Graubündner Kantonalbank (0QLT)?
The return on equity (ROE) of Graubündner Kantonalbank is 7.5% (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 Graubündner Kantonalbank (0QLT)?
On an EBIT basis the return on assets of Graubündner Kantonalbank is 0.7% (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 Graubündner Kantonalbank (0QLT)?
The operating margin of Graubündner Kantonalbank is 45.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Graubündner Kantonalbank (0QLT)?
Revenue at Graubündner Kantonalbank is growing −10.9% versus a year earlier (3y avg +11.4%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much net debt does Graubündner Kantonalbank (0QLT) carry?
The net debt of Graubündner Kantonalbank is CHF 3.4B (fiscal year 2025, ≈ 33.0 yrs of FCF). 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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