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BioPharma Credit PLC (BOPCF) fair value: what the stock is really worth
We calculate from audited financials what BioPharma Credit PLC is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Thin data
Sep 13, 2026
Thin data
Sep 13, 2026
BioPharma Credit PLC
BOPCF · USStrongly undervaluedStrong Fair Value upside with high Quality.
✓Fair value $1.48 · Strongly undervalued (+60%)
✓Quality 76/100
!Weak Growth (revenue 5y +8.9 %/yr)
✓Highly profitable · 82.3% net margin (TTM)
✓Low debt · generates free cash flow
·7.56% dividend yield
✓Wide moat 72/100
!Evidence only low, so the estimate is less certain
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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 Sep 13, 2026.
How to read this chart
60‑month range $0.3666 – $1.02 · fair‑value band $0.9000 – $1.85 · the $0.9262 price screens below the $1.48 fair value. Dashed = 300-day average. As of Sep 13, 2026.
Company profile
BioPharma Credit PLC, an investment trust, primarily invests in interest-bearing debt assets. Its debt assets are secured by royalties or other cash flows derived from the sales of approved life sciences products. BioPharma Credit PLC was incorporated in 2016 and is based in London, the United Kingdom.
Stock analysis
BioPharma Credit PLC (BOPCF) currently trades at $0.9262, while our model-based Fair Value estimate is $1.48, implying the stock looks roughly 37.4% undervalued today.
Show more
Valuation
Bull case: the Multiples group reads highest at a median of $1.41 per share, and 9 of the 12 models we run sit above the $0.9262 price.
Bear case: the Growth DCF group reads lowest at $0.5100, and 3 of the 12 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.9000 (bear) to $1.85 (bull), the price of $0.9262 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 76/100 (high quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
BioPharma Credit PLC reported revenue of $140M in FY2025 versus $88.0M in FY2021, a compound +12.4%/yr. Reported net income was $130M in FY2025, compounding +11.2%/yr from FY2021.
Key figures
Market cap $1.2B · P/E ratio 15.8 · P/S ratio 14.6 · EPS (TTM) $0.0620 · Dividend yield 7.6% · Net margin 92.6% · Return on equity 11.1% · Return on assets (EBIT) 9.8%.
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 9% below its 52-week high and 23% 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 60%, BOPCF screens cheaper than that median.
Fair Value models
Bear $0.9000
Fair Value $1.48
Bull $1.85
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.
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
Growth DCF
$0.7700
$1.07
$1.46
78
Residual Income
$0.8700
$0.9700
$1.24
75
Rev-Margin DCF
$0.4000
$0.5100
$0.6400
73
All 12 models by family
DCF Models
5Y P/E Exit
$0.9100
$1.47
$2.06
69
10Y P/E Exit
$0.8400
$1.28
$1.83
63
Earnings-Based
Graham-Dodd
$0.7800
$2.51
$3.35
62
Lynch FV
$0.5600
$0.8000
$1.04
58
Dividend Discount
Gordon GGM
$0.7500
$1.36
$1.87
65
DDM Multi-Stage
$0.7500
$1.19
$1.45
65
Multiples
P/E Multiple
$1.11
$1.48
$1.85
61
P/B Multiple
$1.06
$1.41
$1.77
53
Asset-Based
NCAV (Graham)
$0.5000
$0.6800
$1.01
52
Growth DCF
Growth DCF
$0.7700
$1.07
$1.46
78
Rev-Margin DCF
$0.4000
$0.5100
$0.6400
73
Economic Profit
Residual Income
$0.8700
$0.9700
$1.24
75
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Set up alert →Quality Score breakdown
Overall quality
76/100
Of which business quality 71 · Market factors (momentum, volatility) 67
Profitability
47
Margins and returns on capital today
Quality Growth
35
Are margins and returns improving?
Cashflow
78
Earnings quality: real cash, not paper profit
Fin. Strength
76
Balance sheet, leverage, solvency risk
Investment
100
Disciplined investing over empire-building
Low Volatility
86
Calm price path (market factor)
Momentum
58
Price trend over the last 3–12 months (market factor)
52W Momentum
62
Distance to the 52-week high (market factor)
Net Issuance
100
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.
40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+12.7%
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.
−8.7%
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.
+8.9%
Revenue growth 8 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.
+19.5%
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
+19.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.9%
Dividend (yield on the price)7.6%
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.98% → 93%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
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).
−0.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
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Compare BioPharma Credit PLC with another stock
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.Asset Management · 661 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation Multiplesvs Asset Management 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: US Stocks
- Valuation of the USA 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 Asset Management stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Blackstone Inc BX | $128.51 | $52.88 | −59% |
| Investor AB INVEB | kr 402.55 | kr 495.29 | +23% |
| Brookfield Corporation BN | C$52.93 | C$18.88 | −64% |
| KKR & Co KKR | $101.08 | $19.97 | −80% |
| Apollo Global Management, Inc APO | $128.98 | $226.56 | +76% |
| State Street Corporation STT | $193.40 | $138.33 | −28% |
| Ameriprise Financial, Inc AMP | $557.61 | $536.83 | −4% |
| Ares Management Corporation ARES | $131.64 | $82.65 | −37% |
| Northern Trust Corporation NTRS | $189.19 | $122.02 | −36% |
| Raymond James Financial, Inc RJF | $173.46 | $239.85 | +38% |
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Frequently asked questions
Is BioPharma Credit PLC (BOPCF) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of $1.48 versus the last price from Aug 28, 2026 of $0.9262, about +60% upside (undervalued).
What is the fair value of BOPCF?
Our model-based fair value for BioPharma Credit PLC is $1.48 (as of Sep 13, 2026), built from audited fundamentals. Last price (from Aug 28, 2026): $0.9262.
What is the quality score of BOPCF?
BioPharma Credit PLC has a Quality Score of 76/100. 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 BioPharma Credit PLC (BOPCF)?
Our model-based price target is the fair value of $1.48 (as of Sep 13, 2026) from 12 valuation models. Cautious scenario $0.9000, optimistic scenario $1.85. It is a calculation from audited fundamentals, not an analyst target.
What is the BioPharma Credit PLC stock forecast for 2026?
Our models put fair value at $1.48, about +60% upside versus the last price from Aug 28, 2026 of $0.9262 (undervalued). Cautious scenario $0.9000, optimistic scenario $1.85. The calculation is refreshed regularly with new filings.
What is the revenue of BioPharma Credit PLC (BOPCF)?
BioPharma Credit PLC reported trailing-twelve-month revenue of about $158M (latest available figure, as of Sep 13, 2026).
Does BioPharma Credit PLC pay a dividend?
BioPharma Credit PLC currently shows a dividend yield of about 7.56% relative to its recent price (as of Sep 13, 2026).
What growth is priced into BioPharma Credit PLC (BOPCF)?
For today's price to be fair in a discounted-cash-flow model, BioPharma Credit PLC would have to grow free cash flow by -0.4 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.0 % per year. As of Sep 13, 2026.
What discount rate (WACC) does the fair value of BOPCF use?
Our models discount BioPharma Credit PLC at 9.8 %: a base by market capitalisation (small), damped by beta 0.18, country premium for USA. 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 BioPharma Credit PLC that is -0.4 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has BioPharma Credit PLC (BOPCF) delivered so far?
Over the past 5 years revenue at BioPharma Credit PLC grew +9.0 % a year. The price currently implies -0.4 % 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 BioPharma Credit PLC (BOPCF)?
The free-cash-flow yield on the price is 8.63 %: that much free cash flow BioPharma Credit PLC produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of BioPharma Credit PLC (BOPCF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BioPharma Credit PLC it is $1.48 per share (as of Sep 13, 2026), against a price of $0.9262. It is the blended result of 12 valuation models (cash flow, earnings, asset, dividend).
Is BioPharma Credit PLC stock overvalued or undervalued in 2026?
As of Sep 13, 2026, BOPCF trades below its calculated fair value: price $0.9262, fair value $1.48, a gap of about +60% (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 BOPCF?
No. The price is what the market pays today ($0.9262); the fair value is what the company's own numbers justify ($1.48). For BioPharma Credit PLC the two are $0.5538 per share apart. That gap is exactly why we show both numbers side by side.
How much is BioPharma Credit PLC worth?
The market values BioPharma Credit PLC at about $1.2B (market capitalisation, as of Sep 13, 2026). Per share that is $0.9262; our models calculate a fair value of $1.48 per share.
What do the bullish and bearish scenarios say about BOPCF?
Our models span a range for BioPharma Credit PLC: cautious scenario $0.9000, base $1.48, optimistic $1.85 per share (as of Sep 13, 2026, price $0.9262). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BOPCF?
BioPharma Credit PLC trades at a price-to-earnings ratio of 15.8 (as of Sep 13, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.48 is built from several models across several years. Other multiples: P/B 1.0, P/S 7.4, EV/EBITDA 8.8.
How solid is the balance sheet of BioPharma Credit PLC (BOPCF)?
Balance-sheet figures for BioPharma Credit PLC (as of Sep 13, 2026): return on equity 11.1%. They feed the Quality Score of 76/100, which measures business quality independently of the share price.
How far is BOPCF from its 52-week high?
BioPharma Credit PLC trades at $0.9262, about 9% below its 52-week high of $1.02 and 23% above the low of $0.7508 (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of $1.48 is for.
Which stocks are comparable to BioPharma Credit PLC?
From the same area (Financial Services) we also value Blackstone Inc, Investor AB, Brookfield Corporation, KKR & Co, 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 BioPharma Credit PLC stock attractive at the current price?
The data as of Sep 13, 2026: price $0.9262, calculated fair value $1.48 (+60%), Quality Score 76/100, from 12 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 BOPCF calculated?
We run BioPharma Credit PLC through 12 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 $1.48, 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 15.8 % above its aggregate fair value. BioPharma Credit PLC currently trades 60 % 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 should I pay attention to with BioPharma Credit PLC right now?
The rarer combination: high quality (76/100) AND below fair value. That earns a closer look rather than a quick verdict. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range ($0.9000 to $1.85) 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.
Key figures of BioPharma Credit PLC
How large is the market capitalisation of BioPharma Credit PLC (BOPCF)?
The market capitalisation of BioPharma Credit PLC is $1.2B. 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 BioPharma Credit PLC (BOPCF)?
The price-to-sales ratio of BioPharma Credit PLC is 14.6 (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 BioPharma Credit PLC (BOPCF)?
Earnings per share at BioPharma Credit PLC are $0.0620 (price ÷ EPS = P/E 15.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of BioPharma Credit PLC (BOPCF)?
The dividend yield of BioPharma Credit PLC is 7.6% (payout 113%). 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 BioPharma Credit PLC (BOPCF)?
The net margin of BioPharma Credit PLC is 92.6% (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 BioPharma Credit PLC (BOPCF)?
The return on equity (ROE) of BioPharma Credit PLC is 11.1% (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 BioPharma Credit PLC (BOPCF)?
On an EBIT basis the return on assets of BioPharma Credit PLC is 9.8% (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 BioPharma Credit PLC (BOPCF)?
The operating margin of BioPharma Credit PLC is 77.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BioPharma Credit PLC (BOPCF)?
Revenue at BioPharma Credit PLC is growing +4.3% versus a year earlier (3y avg −8.7%). 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 BioPharma Credit PLC (BOPCF)?
Earnings per share at BioPharma Credit PLC are growing +20.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does BioPharma Credit PLC (BOPCF) hold?
BioPharma Credit PLC holds more cash than debt, $12.6M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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