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Augmentum Fintech PLC (AUGM) Fair Value & Analysis

Financial Services · GB · Market cap 186M GBX

AF Augmentum Fintech PLC AUGM · LSE
Price£0.3528
Fair Value£0.4600
Upside+30.4%
Quality67/100
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Mixed Growth
Thin margins · 0.0% net margin
negative free cash flow
Mixed vs. peers (3/7)
Moderate moat 49/100
Evidence: Low Range £0.3400 – £0.5700 Share as image

Fair value as of: Aug 13, 2026

From 2 valuation models · updated today

Fair value updated Aug 13, 2026, revised from £0.0500 to £0.4600 (+820.0%) since Jul 15, 2026. Share price +0.6% over the past month.

A solid business, screening 30% undervalued on our models.

What matters now

  • The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
  • Solid quality (67/100) at a price below fair value, the discount is the argument here, not the business quality.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

£1.73 £0.3478 Fair Value £0.4600 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 13, 2026.

How to read this chart

60‑month range £0.3478 – £1.73 · fair‑value band £0.3400 – £0.5700 · the £0.3528 price screens below the £0.4600 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.

Full chart & analysis →

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Analysis

Augmentum Fintech PLC (AUGM) currently trades at £0.3528, while our model-based Fair Value estimate is £0.4600, implying the stock looks roughly 30.4% undervalued today. The Quality Score stands at 67/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: low), always confirm before acting.

The balance sheet holds a net cash position of £31.9M. Fundamentals as of Aug 13, 2026

Our scenario range runs from £0.3400 (bear case) to £0.5700 (bull case); at £0.3528, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -33% fair-value upside, at 30%, AUGM screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

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. Evidence
Highest evidence
P/B Multiple £1.09 £1.45 £1.81 55
NCAV (Graham) £0.8500 £1.14 £1.71 50
All 2 models by family
Multiples
P/B Multiple £1.09 £1.45 £1.81 55
Asset-Based
NCAV (Graham) £0.8500 £1.14 £1.71 50

Widest divergence: Multiples (£1.45) versus Asset-Based (£1.14). Highest evidence: P/B Multiple (55).

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Key figures & financial health

Return on equity 2,285%
Free cash flow −4.4M GBX FY2025
EPS (TTM) £-0.0700
Net cash 31.9M GBX FY2025

Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 67/100

Of which business quality 63 · Market factors (momentum, volatility) 15

Profitability 20
Margins and returns on capital today
Quality Growth 40
Are margins and returns improving?
Cashflow 67
Earnings quality: real cash, not paper profit
Fin. Strength 79
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 0
Price trend over the last 3–12 months (market factor)
52W Momentum 0
Distance to the 52-week high (market factor)
Net Issuance 91
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Augmentum Fintech PLC is a venture capital fund specializing in seed, early to mid to late venture, series A & B investments. The firm does not invest in seed stage.

Full company description

Augmentum Fintech PLC is a venture capital fund specializing in seed, early to mid to late venture, series A & B investments. The firm does not invest in seed stage. The fund invests in unquoted fintech businesses which are high growth, with scalable opportunities, and have disruptive technologies in the banking, insurance and asset management sectors, including other cross-industry propositions. The fund focuses to invest in United Kingdom, Germany, France and the Nordics. The fund typically invests in firms with £4 million ($5.54 million) to £15 million ($20.80 million) equity investments. The fund prefers a significant minority stake in companies. The fund's objective is to make long term investments. The fund prefers to exit by the way of an IPO, with valuation return targets ranging from $61.46 million to in excess of $1,229.15 million.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Augmentum Fintech PLC reported revenue of −£9.5M in FY2025 versus £22.6M in FY2021. Reported net income was −£15.2M in FY2025.

Growth Quality 59/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2024)
£19.3M
Latest YoY
+87.8%
Avg. growth/yr (3Y) 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.
−5.1%
Avg. growth/yr (5Y) 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.
+144.2%
Avg. growth/yr (9Y) 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.
+75.3%
Revenue
FY21 £22.6M
FY22 £63.2M
FY23 £10.3M
FY24 £19.3M
FY25 −£9.5M
Net income
FY21 £19.7M
FY22 £59.3M
FY23 £4.9M
FY24 £13.8M
FY25 −£15.2M

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Cite: Fair Value Calculator (2026). "Augmentum Fintech PLC Fair Value". https://www.fairvalue-calculator.com/stock/AUGM

Peer Group

Asset Management · 690 stocks

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.

Quality Score 63 · Above median
Fair Value upside +31% · Above median
Return on assets 0% · Below median
Net margin (TTM) 0% · Below median
Operating margin (TTM) 0% · Bottom 25%
Revenue growth 0% · Below median

Valuation Multiples vs Asset Management median · lower = cheaper

P/B 0.88× · Cheaper than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 75 · sector 36
FUTURE 0 · sector 14
PAST 0 · sector 24
HEALTH 0 · sector 95
DIVIDEND 0 · sector 68

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).

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Investor AB INVEB kr 417.90 kr 835.80 +100%
AB Industrivärden INDUA kr 544.00 kr 375.93 -31%
ICICIAMC ICICIAMC ₹3,077 ₹1,132 -63%
Jio Financial Services Limited JIOFIN ₹256.05 ₹171.84 -33%
Hedef Holding HEDEF 267.25 TRY 321.44 TRY +20%
Bajaj Holdings BAJAJHLDNG ₹11,579 ₹11,257 -3%
HDFC Asset Management Company HDFCAMC ₹2,490 ₹866.78 -65%
Nippon Life Asset Management Limited NAMINDIA ₹1,182 ₹311.00 -74%

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Frequently asked questions

Is Augmentum Fintech PLC (AUGM) overvalued or undervalued?
As of Aug 13, 2026, our model estimates a fair value of £0.4600 versus a price of £0.3528, about +30% (undervalued).
What is the fair value of AUGM?
Our model-based fair value for Augmentum Fintech PLC is £0.4600 (as of Aug 13, 2026), built from audited fundamentals. The current price is £0.3528.
What is the quality score of AUGM?
Augmentum Fintech PLC 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 net profit margin of AUGM?
The net profit margin of Augmentum Fintech PLC is about 0.0%, meaning it keeps roughly 0.0% of revenue as net income. Based on the latest reported figures.

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.

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