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VP Bank AG (0RG7) fair value: what the stock is really worth

As of Sep 30, 2026: fair value of VP Bank AG £102, price £92.90, upside +10.2%, quality 45 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · GB · ISIN LI0315487269

VB Broad data Sep 24, 2026

VP Bank AG

0RG7 · LSE

Low PriorityFair Value upside is limited and quality is weak.

·Fair value £102.36 · Fairly valued (+10.2%)
!Quality 45/100
!Expensive Growth (revenue 5y +4.9 %/yr)
✓Solidly profitable · 13.9% net margin (TTM)
!Low debt · negative free cash flow
!4.3% dividend yield · Watch coverage
!Narrow moat 41/100

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

£166.45 £69.14 Fair Value £102.36 Mar 2019 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

60‑month range £69.14 – £166.45 · fair‑value band £76.77 – £127.95 · the £92.90 price screens below the £102.36 fair value. Dashed = 300-day average. As of Sep 24, 2026.

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Company profile

VP Bank AG, together with its subsidiaries, provides various financial products and services in Liechtenstein, Europe, and internationally. The company operates through three segments: Liechtenstein and BVI, International, and Asset Servicing.

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VP Bank AG, together with its subsidiaries, provides various financial products and services in Liechtenstein, Europe, and internationally. The company operates through three segments: Liechtenstein and BVI, International, and Asset Servicing. It offers investing services, including goal-based advice, wealth management and planning, investment advisory and consulting, investment products, and sustainable investing; mortgage loans and real estate financing, as well as Lombard loan; private label funds; exchange rates; and execution only services. The company also provides banking services, such as personal, foreign currency, and savings accounts; bank cards; e-banking, e-post, and other e-services; and transaction slips, account statements, interest statements, and other reporting and tax services, as well as custodian bank and basic services. It serves independent asset managers, family offices, and private clients. The company was founded in 1956 and is headquartered in Vaduz, Liechtenstein.

Stock analysis

VP Bank AG (0RG7) currently trades at £92.90, while our model-based Fair Value estimate is £102.36, implying the stock looks roughly 9.2% undervalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of £120.82 per share, and 3 of the 6 models we run sit above the £92.90 price.

Bear case: the Dividend Discount group reads lowest at £40.10, and 3 of the 6 models stay below the price. Evidence for this calculation is high.

Scenario range: £76.77 (bear) to £127.95 (bull), the price of £92.90 sits inside 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 45/100 (below-average quality), in the Financial Services sector.

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

VP Bank AG reported revenue of CHF 495M in FY2025 versus CHF 393M in FY2021, a compound +6.0%/yr. Reported net income was CHF 47.0M in FY2025, compounding −1.8%/yr from FY2021.

Key figures

Market cap £579M · P/S ratio 1.52 · Dividend yield 4.3% · Net margin 9.5% · Return on equity 4.1% · Return on assets (EBIT) 0.4% · Operating margin 15.0% · Revenue (TTM) CHF 337M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 6% below its 52-week high and 19% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at 10%, 0RG7 screens cheaper than that median.

Fair Value models

Bear £76.77 Fair Value £102.36 Bull £127.95
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. 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 £123.88 £120.82 £122.98 76
Gordon GGM £28.83 £44.27 £59.36 68
DDM Multi-Stage £28.83 £40.10 £50.98 67
All 6 models by family
Dividend Discount
Gordon GGM £28.83 £44.27 £59.36 68
DDM Multi-Stage £28.83 £40.10 £50.98 67
Multiples
P/E Multiple £68.38 £91.17 £113.96 63
P/B Multiple £89.42 £119.22 £149.03 55
Asset-Based
NCAV (Graham) £87.71 £117.53 £175.42 54
Economic Profit
Residual Income £123.88 £120.82 £122.98 76

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Quality Score breakdown

Overall quality 45/100

Of which business quality 42 · Market factors (momentum, volatility) 67

Profitability 20
Margins and returns on capital today
Quality Growth 60
Are margins and returns improving?
Cashflow 1
Earnings quality: real cash, not paper profit
Fin. Strength 42
Balance sheet, leverage, solvency risk
Investment 95
Disciplined investing over empire-building
Low Volatility 100
Calm price path (market factor)
Momentum 50
Price trend over the last 3–12 months (market factor)
52W Momentum 58
Distance to the 52-week high (market factor)
Net Issuance 75
Share count: buybacks or dilution?

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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. 42/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
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.
+12.1%
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.
+4.9%
Revenue growth 20 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.
+3.8%
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.
+2.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.0%
Dividend (yield on the price)4.3%
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.−2.0% vs −2.4%, 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.13% → 11%
Start year 2020 (pandemic)

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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

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Mitsubishi UFJ Financial Group MUFG $23.37 $14.86 −36%
Wells Fargo & Company WFC $80.05 $66.44 −17%
Citigroup Inc C $130.80 $107.10 −18%

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VP Bank AG · Fair Value
£102.36 +9%Fair Value
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Cite: Fair Value Calculator (2026). "VP Bank AG Fair Value". https://www.fairvalue-calculator.com/stock/0RG7

Frequently asked questions

Is VP Bank AG (0RG7) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of £102.36 versus a price of £92.90, about +10% upside (undervalued).
What is the fair value of 0RG7?
Our model-based fair value for VP Bank AG is £102.36 (as of Sep 24, 2026), built from audited fundamentals. The current price: £92.90.
What is the quality score of 0RG7?
VP Bank AG has a Quality Score of 45/100. 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 VP Bank AG (0RG7)?
Our model-based price target is the fair value of £102.36 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario £76.77, optimistic scenario £127.95. It is a calculation from audited fundamentals, not an analyst target.
What is the VP Bank AG stock forecast for 2026?
Our models put fair value at £102.36, about +10% upside versus a price of £92.90 (undervalued). Cautious scenario £76.77, optimistic scenario £127.95. The calculation is refreshed regularly with new filings.
What is the revenue of VP Bank AG (0RG7)?
VP Bank AG reported trailing-twelve-month revenue of about CHF 337M (latest available figure, as of Sep 24, 2026).
Does VP Bank AG pay a dividend?
VP Bank AG currently shows a dividend yield of about 4.31% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of VP Bank AG (0RG7)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For VP Bank AG it is £102.36 per share (as of Sep 24, 2026), against a price of £92.90. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is VP Bank AG stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0RG7 trades below its calculated fair value: price £92.90, fair value £102.36, a gap of about +10% (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 0RG7?
No. The price is what the market pays today (£92.90); the fair value is what the company's own numbers justify (£102.36). For VP Bank AG the two are £9.46 per share apart. That gap is exactly why we show both numbers side by side.
How much is VP Bank AG worth?
The market values VP Bank AG at about £579M (market capitalisation, as of Sep 24, 2026). Per share that is £92.90; our models calculate a fair value of £102.36 per share.
What do the bullish and bearish scenarios say about 0RG7?
Our models span a range for VP Bank AG: cautious scenario £76.77, base £102.36, optimistic £127.95 per share (as of Sep 24, 2026, price £92.90). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is 0RG7 from its 52-week high?
VP Bank AG trades at £92.90, about 6% below its 52-week high of £98.40 and 19% above the low of £78.37 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of £102.36 is for.
Which stocks are comparable to VP Bank AG?
From the same area (Financial Services) we also value JPMorgan Chase & Co, Industrial and Commercial Bank of China Limited, China Construction Bank Corporation, Bank of America Corporation, 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 VP Bank AG stock attractive at the current price?
The data as of Sep 24, 2026: price £92.90, calculated fair value £102.36 (+10%), Quality Score 45/100, 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 0RG7 calculated?
We run VP Bank AG 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 £102.36, 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 14.5 % above its aggregate fair value. VP Bank AG currently trades 9 % 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 VP Bank AG (0RG7)?
The closing price on Sep 30, 2026 was £92.90. Our model-based fair value is £102.36, about +10% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with VP Bank AG right now?
For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Where does the earnings growth of VP Bank AG (0RG7) come from?
Earnings per share at VP Bank AG grew −3.1 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.9 %, EBIT margin −1.9 %, tax rate −1.9 %, residual (interest, one-offs) −4.0 %. 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 VP Bank AG

How large is the market capitalisation of VP Bank AG (0RG7)?
The market capitalisation of VP Bank AG is £579M. 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 VP Bank AG (0RG7)?
The price-to-sales ratio of VP Bank AG is 1.52 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What is the dividend yield of VP Bank AG (0RG7)?
The dividend yield of VP Bank AG is 4.3%. 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 VP Bank AG (0RG7)?
The net margin of VP Bank AG is 9.5% (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 VP Bank AG (0RG7)?
The return on equity (ROE) of VP Bank AG is 4.1% (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 VP Bank AG (0RG7)?
On an EBIT basis the return on assets of VP Bank AG is 0.4% (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 VP Bank AG (0RG7)?
The operating margin of VP Bank AG is 15.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at VP Bank AG (0RG7)?
Revenue at VP Bank AG is growing −3.3% versus a year earlier (3y avg +5.4%). 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 VP Bank AG (0RG7)?
Earnings per share at VP Bank AG are growing +160% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does VP Bank AG (0RG7) generate?
The free cash flow of VP Bank AG is −CHF 35.8M (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 VP Bank AG (0RG7) hold?
VP Bank AG holds more cash than debt, CHF 592M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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