BioPharma Credit PLC (BPCR) fair value: what the stock is really worth
As of Oct 5, 2026: fair value of BioPharma Credit PLC $1.50, price $0.98, upside +52.4%, quality 74 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range $0.5420 – $0.9840 · fair‑value band $0.9000 – $1.88 · the $0.9840 price screens below the $1.50 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
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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 (BPCR) currently trades at $0.9840, while our model-based Fair Value estimate is $1.50, implying the stock looks roughly 34.4% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of $1.44 per share, and 8 of the 12 models we run sit above the $0.9840 price.
Bear case: the Growth DCF group reads lowest at $0.5200, and 4 of the 12 models stay below the price. Evidence for this calculation is medium.
Scenario range: $0.9000 (bear) to $1.88 (bull), the price of $0.9840 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 74/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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 $1.1B · P/E ratio 0.1 · P/S ratio 0.09 · EPS (TTM) $0.1100 · Dividend yield 9.8% · 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 42 out of 100 (low confidence).
What moves the price
The share trades at 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 −15% fair-value upside, at 52%, BPCR screens cheaper than that median.
Fair Value models
Bear $0.9000Fair Value $1.50Bull $1.88
Price $0.9840 · Upside +52.4%
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 ($0.0104 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.
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.92/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
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.
+21.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+11.9%
Dividend (yield on the price)9.8%
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).
+1.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (USA: IMF forecast 2.4% a year to 2030, 3.1% from 2016 to 2025) that is about −0.5% a year for the price.
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 · 664 stocks
Beats the industry median on 8/9 measures
Overall it ranks above its industry peers.
Valuation
Quality Score74 · Top 25%
Fair Value upside+53.1% · Above median
Profitability
Return on equity (TTM)11.1% · Above median
Return on assets6.9% · Above median
Net margin (TTM)82.3% · Top 25%
Operating margin (TTM)77.2% · Above median
Growth and dividend
Revenue growth4.3% · Below median
Dividend yield (TTM)9.8% · Top 25%
Valuation Multiplesvs Asset Management median · lower = cheaper
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Is BioPharma Credit PLC (BPCR) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of $1.50 versus a price of $0.9840, about +52% upside (undervalued).
What is the fair value of BPCR?
Our model-based fair value for BioPharma Credit PLC is $1.50 (as of Oct 3, 2026), built from audited fundamentals. The current price: $0.9840.
What is the quality score of BPCR?
BioPharma Credit PLC has a Quality Score of 74/100. 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 (BPCR)?
Our model-based price target is the fair value of $1.50 (as of Oct 3, 2026) from 12 valuation models. Cautious scenario $0.9000, optimistic scenario $1.88. 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 $1.50, about +52% upside versus a price of $0.9840 (undervalued). Cautious scenario $0.9000, optimistic scenario $1.88. The calculation is refreshed regularly with new filings.
What is the revenue of BioPharma Credit PLC (BPCR)?
BioPharma Credit PLC reported trailing-twelve-month revenue of about $158M (latest available figure, as of Oct 3, 2026).
Does BioPharma Credit PLC pay a dividend?
BioPharma Credit PLC currently shows a dividend yield of about 9.80% relative to its recent price (as of Oct 3, 2026).
What growth is priced into BioPharma Credit PLC (BPCR)?
For today's price to be fair in a discounted-cash-flow model, BioPharma Credit PLC would have to grow free cash flow by +1.8 % per year for five years (discount rate 10.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.0 % per year. As of Oct 3, 2026.
What discount rate (WACC) does the fair value of BPCR use?
Our models discount BioPharma Credit PLC at 10.3 %: a base by market capitalisation (small), damped by beta 0.18, 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 BioPharma Credit PLC that is +1.8 % per year a year over ten years, using the same discount rate (10.3 %) and the same formula as our fair value.
How much growth has BioPharma Credit PLC (BPCR) delivered so far?
Over the past 5 years revenue at BioPharma Credit PLC grew +9.0 % a year. The price currently implies +1.8 % 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.
How fast is the sector of BioPharma Credit PLC (BPCR) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into BioPharma Credit PLC (+1.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of BioPharma Credit PLC (BPCR)?
The free-cash-flow yield on the price is 8.12 %: that much free cash flow BioPharma Credit PLC produces per unit of market value. When it exceeds the discount rate of our models (10.3 %), 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 (BPCR)?
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 $1.50 per share (as of Oct 3, 2026), against a price of $0.9840. 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 Oct 3, 2026, BPCR trades below its calculated fair value: price $0.9840, fair value $1.50, a gap of about +52% (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 BPCR?
No. The price is what the market pays today ($0.9840); the fair value is what the company's own numbers justify ($1.50). For BioPharma Credit PLC the two are $0.5160 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 $1.1B (market capitalisation, as of Oct 3, 2026). Per share that is $0.9840; our models calculate a fair value of $1.50 per share.
What do the bullish and bearish scenarios say about BPCR?
Our models span a range for BioPharma Credit PLC: cautious scenario $0.9000, base $1.50, optimistic $1.88 per share (as of Oct 3, 2026, price $0.9840). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BPCR?
BioPharma Credit PLC trades at a price-to-earnings ratio of 0.1 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $1.50 is built from several models across several years.
How solid is the balance sheet of BioPharma Credit PLC (BPCR)?
Balance-sheet figures for BioPharma Credit PLC (as of Oct 3, 2026): return on equity 11.1%. They feed the Quality Score of 74/100, which measures business quality independently of the share price.
How far is BPCR from its 52-week high?
BioPharma Credit PLC trades at $0.9840, at its 52-week high of $0.9840 and 19% above the low of $0.8255 (as of Oct 5, 2026). Distance from the high says nothing about value: that is what the fair value of $1.50 is for.
Which stocks are comparable to BioPharma Credit PLC?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, Apollo Global Management, Inc, 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 Oct 3, 2026: price $0.9840, calculated fair value $1.50 (+52%), Quality Score 74/100, 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 BPCR 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 $1.50, 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 15.0 % above its aggregate fair value. BioPharma Credit PLC currently trades 34 % 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 BioPharma Credit PLC (BPCR)?
The closing price on Oct 5, 2026 was $0.9840. Our model-based fair value is $1.50, about +52% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BioPharma Credit PLC right now?
The rarer combination: high quality (74/100) AND below fair value. That earns a closer look rather than a quick verdict. A fairly wide model range ($0.9000 to $1.88) 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 (BPCR)?
The market capitalisation of BioPharma Credit PLC is $1.1B. 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 (BPCR)?
The price-to-sales ratio of BioPharma Credit PLC is 0.09 (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 (BPCR)?
Earnings per share at BioPharma Credit PLC are $0.1100 (price ÷ EPS = P/E 0.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of BioPharma Credit PLC (BPCR)?
The dividend yield of BioPharma Credit PLC is 9.8% (payout 87.7%). 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 (BPCR)?
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 (BPCR)?
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 (BPCR)?
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 (BPCR)?
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 (BPCR)?
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 (BPCR)?
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 (BPCR) 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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