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BioPharma Credit PLC (BPCR) Fair Value & Analysis

Financial Services · GB · Market cap $108B

BC BioPharma Credit PLC BPCR · LSE
Price$0.9760
Fair Value$1.50
Upside+53.7%
Quality75/100
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Healthy Growth
Highly profitable · 82.3% net margin
generates free cash flow
7.34% dividend yield
Ranks above peers (9/10)
Wide moat 69/100
Evidence: High Range $1.00 – $1.88 Share as image

Fair value as of: Aug 20, 2026

From 12 valuation models · updated today

Fair value updated Aug 20, 2026, revised from $0.0200 to $1.50 (+7,400.0%) since Aug 13, 2026. Share price +1.0% over the past month.

A strong business, screening 54% undervalued on our models.

What matters now

  • The rarer combination: high quality (75/100) AND below fair value. That earns a closer look rather than a quick verdict.
  • The price is below even our cautious bear case ($1.00). The market is more pessimistic than our downside scenario.
  • A fairly wide model range ($1.00 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.
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Price vs Fair Value (5 years)

$0.9820 $0.5378 Fair Value $1.50 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 20, 2026.

How to read this chart

60‑month range $0.5378 – $0.9820 · fair‑value band $1.00 – $1.88 · the $0.9760 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 Aug 20, 2026.

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Analysis

BioPharma Credit PLC (BPCR) currently trades at $0.9760, while our model-based Fair Value estimate is $1.50, implying the stock looks roughly 53.7% undervalued today. The Quality Score stands at 75/100 (high 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: high), always confirm before acting.

Over the trailing twelve months, BioPharma Credit PLC generated revenue of $158M at a net margin of 82.3%. Revenue grew 4.3% year over year. It earns a return on equity of 11.1%. The balance sheet holds a net cash position of $12.6M. Fundamentals as of Aug 20, 2026

Our scenario range runs from $1.00 (bear case) to $1.88 (bull case); at $0.9760, the current price sits below 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. The share trades about 2% below its 52-week high and 25% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -33% fair-value upside, at 54%, BPCR 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
Residual Income $0.7500 $0.7500 $1.50 76
Growth DCF $0.7500 $0.7500 $1.50 72
Gordon GGM $0.7500 $1.50 $2.25 70
All 12 models by family
DCF Models
5Y P/E Exit $0.7500 $1.50 $1.50 38
10Y P/E Exit $0.7500 $1.50 $1.50 35
Earnings-Based
Graham-Dodd $0.7500 $2.25 $2.25 54
Lynch FV $0.7500 $0.7500 $0.7500 50
Dividend Discount
Gordon GGM $0.7500 $1.50 $2.25 70
DDM Multi-Stage $0.7500 $1.50 $1.50 61
Multiples
P/E Multiple $0.7500 $1.50 $1.50 63
P/B Multiple $0.7500 $0.7500 $1.50 55
Asset-Based
NCAV (Graham) $0.7500 $0.7500 $0.7500 50
Growth DCF
Growth DCF $0.7500 $0.7500 $1.50 72
Rev-Margin DCF $0.7500 $0.7500 67
Economic Profit
Residual Income $0.7500 $0.7500 $1.50 76

Widest divergence: DCF Models ($1.50) versus Earnings-Based ($0.7500). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) $158M
Revenue growth (YoY) +4.3%
Net margin 82.3%
Return on equity 11.1%
Free cash flow $91.1M FY2025
P/E ratio 0.1 as of Jul 13, 2026
More key figures
Operating margin 77.2%
EPS (TTM) $0.1100
Dividend yield 7.3%
EPS growth (YoY) +20.4%
Net cash $12.6M FY2025

Figures from reported company fundamentals · as of Aug 20, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 75/100

Of which business quality 71 · Market factors (momentum, volatility) 73

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 100
Calm price path (market factor)
Momentum 53
Price trend over the last 3–12 months (market factor)
52W Momentum 78
Distance to the 52-week high (market factor)
Net Issuance 100
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

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.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

Growth Quality 83/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
$140M
Latest YoY
+12.7%
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.
−8.7%
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.
+8.9%
Avg. growth/yr (8Y) 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.
+19.5%
Revenue +12.4%/yr
FY21 $88.0M
FY22 $184M
FY23 $160M
FY24 $124M
FY25 $140M
Net income +11.2%/yr
FY21 $85.0M
FY22 $182M
FY23 $108M
FY24 $122M
FY25 $130M

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Cite: Fair Value Calculator (2026). "BioPharma Credit PLC Fair Value". https://www.fairvalue-calculator.com/stock/BPCR

Peer Group

Asset Management · 706 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 74 · Top 25%
Fair Value upside +54% · Above median
Return on equity (TTM) 11% · Above median
Return on assets 7% · Above median
Net margin (TTM) 82% · Top 25%
Operating margin (TTM) 77% · Above median
Revenue growth 4% · Above median
Dividend yield (TTM) 7.2% · Top 25%

Valuation Multiples vs Asset Management median · lower = cheaper

P/E (TTM) 0.1× · Cheaper than 75% of peers
P/FCF 1,182.6× · Pricier than 75% of peers

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.

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE100 · sector 38
FUTURE22 · sector 13
PAST45 · sector 24
HEALTH0 · sector 95
DIVIDEND100 · sector 77

Insider activity: 40/100

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 20, 2026).

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AB Industrivärden INDUA kr 544.00 kr 375.93 -31%
ICICIAMC ICICIAMC ₹3,077 ₹1,132 -63%
Hedef Holding HEDEF 267.25 TRY 321.44 TRY +20%
Jio Financial Services Limited JIOFIN ₹256.05 ₹171.84 -33%
Bajaj Holdings BAJAJHLDNG ₹11,294 ₹11,257 -0%
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 BioPharma Credit PLC (BPCR) overvalued or undervalued?
As of Aug 20, 2026, our model estimates a fair value of $1.50 versus a price of $0.9760, about +54% (undervalued).
What is the fair value of BPCR?
Our model-based fair value for BioPharma Credit PLC is $1.50 (as of Aug 20, 2026), built from audited fundamentals. The current price: $0.9760.
What is the quality score of BPCR?
BioPharma Credit PLC has a Quality Score of 75/100. 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 revenue of BioPharma Credit PLC (BPCR)?
BioPharma Credit PLC reported trailing-twelve-month revenue of about $158M (latest available figure, as of Aug 20, 2026).
What is the net profit margin of BPCR?
The net profit margin of BioPharma Credit PLC is about 82.3%, meaning it keeps roughly 82.3% of revenue as net income. Based on the latest reported figures.
Does BioPharma Credit PLC pay a dividend?
BioPharma Credit PLC currently shows a dividend yield of about 7.25% relative to its recent price (as of Aug 20, 2026).

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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