Bravura Solutions Ltd (BVS) fair value: what the stock is really worth
As of Oct 1, 2026: fair value of Bravura Solutions Ltd A$2.05, price A$3.09, upside -33.7%, quality 97 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 27, 2026.
How to read this chart
60‑month range A$0.2388 – A$3.59 · fair‑value band A$1.56 – A$2.54 · the A$3.09 price screens above the A$2.05 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 27, 2026.
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Bravura Solutions Limited provides software solutions for the wealth management and transfer agency industries in Australia, the United Kingdom, New Zealand, and internationally.
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Bravura Solutions Limited provides software solutions for the wealth management and transfer agency industries in Australia, the United Kingdom, New Zealand, and internationally. The company offers Babel, a network of fund transaction networks; Rufus, a digital-first transfer agency platform for asset managers and asset servicers; Dashboards Connect, an ISP for pensions dashboards program; ePASS, a digital employee contribution processing system; Garradin, a trade execution, portfolio management, and asset servicing platform; Orchestrator, a workflow automation platform; Midwinter Advice, a digital (hybrid) and comprehensive advice; Sonata, a wealth management technology; Sonata Alta, a digital-first business model; taWeb, an investor portal; and Wealth microservices, which provides an open architecture and regulatory microservices. It also provides professional consulting services. The company offers its solutions for wealth and retirement, advice, life insurance, funds services, and integration and automation sectors. The company was formerly known as Bravura Solutions Holdings Pty Ltd and changed its name to Bravura Solutions Limited in October 2016. Bravura Solutions Limited was founded in 2004 and is headquartered in Sydney, Australia.
Stock analysis
Bravura Solutions Ltd (BVS) currently trades at A$3.09, while our model-based Fair Value estimate is A$2.05, 33.7% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of A$3.97 per share, and 5 of the 26 models we run sit above the A$3.09 price.
Bear case: the Economic Profit group reads lowest at A$0.5200, and 21 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: A$1.56 (bear) to A$2.54 (bull), the price of A$3.09 sits above 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 97/100 (high quality), in the Technology sector.
Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Bravura Solutions Ltd reported revenue of A$256M in FY2025 versus A$242M in FY2021, a compound +1.4%/yr. Reported net income was A$74.2M in FY2025, compounding +21.1%/yr from FY2021.
Key figures
Market cap A$1.4B (≈ $961M) · P/E ratio 34.3 · P/S ratio 9.94 · EPS (TTM) A$0.0900 · Dividend yield 4.8% · Net margin 28.9% · Return on equity 36.2% · Return on assets (EBIT) 6.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 14% below its 52-week high and 81% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at −34%, BVS screens richer than that median.
Fair Value models
Bear A$1.56Fair Value A$2.05Bull A$2.54
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.
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
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
+3.0%
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.
−1.1%
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.
−1.2%
Start year 2020 (pandemic). Over 10 years: +5.4% a year
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.
+17.9%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−8.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−13.5%
Dividend (yield on the price)4.8%
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.18% → 14%
2025 sits 286% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Growth Forecast
Price in line with expectations
The price assumes more growth than the company has delivered so far and about what analysts expect.
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).
+5.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+5.4%
Yearly sales growth analysts expect, extended to five years.
After inflation (Australia: IMF forecast 3.0% a year to 2030, 2.9% from 2016 to 2025) that is about +2.5% a year for the price and +2.4% for the forecasts.
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.Software - Application · 699 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score97 · Top 25%
Fair Value upside−33.7% · Below median
Profitability
Return on equity (TTM)36.2% · Top 25%
Return on assets13.8% · Top 25%
Net margin (TTM)14.3% · Top 25%
Operating margin (TTM)22.8% · Top 25%
Growth and dividend
Revenue growth8.3% · Above median
Dividend yield (TTM)4.8% · Top 25%
Valuation Multiplesvs Software - Application median · lower = cheaper
P/E (TTM)34.3× · Pricier than median
P/B10.28× · Priciest 25%
P/S (TTM)3.54× · Pricier than median
P/FCF9.8× · Cheaper than median
EV/EBITDA14.1× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 27
FUTURE (revenue growth)42· sector 41
PAST (return on equity)100· sector 17
HEALTH (low debt)100· sector 97
DIVIDEND (yield)97· sector 32
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Is Bravura Solutions Ltd (BVS) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of A$2.05 versus a price of A$3.09, about −34% upside (overvalued).
What is the fair value of BVS?
Our model-based fair value for Bravura Solutions Ltd is A$2.05 (as of Sep 27, 2026), built from audited fundamentals. The current price: A$3.09.
What is the quality score of BVS?
Bravura Solutions Ltd has a Quality Score of 97/100. 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 Bravura Solutions Ltd (BVS)?
Our model-based price target is the fair value of A$2.05 (as of Sep 27, 2026) from 26 valuation models. Cautious scenario A$1.56, optimistic scenario A$2.54. It is a calculation from audited fundamentals, not an analyst target.
What is the Bravura Solutions Ltd stock forecast for 2026?
Our models put fair value at A$2.05, about −34% upside versus a price of A$3.09 (overvalued). Cautious scenario A$1.56, optimistic scenario A$2.54. The calculation is refreshed regularly with new filings.
What is the revenue of Bravura Solutions Ltd (BVS)?
Bravura Solutions Ltd reported trailing-twelve-month revenue of about A$272M (latest available figure, as of Sep 27, 2026).
Does Bravura Solutions Ltd pay a dividend?
Bravura Solutions Ltd currently shows a dividend yield of about 4.83% relative to its recent price (as of Sep 27, 2026).
What growth is priced into Bravura Solutions Ltd (BVS)?
For today's price to be fair in a discounted-cash-flow model, Bravura Solutions Ltd would have to grow free cash flow by +5.6 % per year for five years (discount rate 11.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -1.2 % per year. As of Sep 27, 2026.
What discount rate (WACC) does the fair value of BVS use?
Our models discount Bravura Solutions Ltd at 11.0 %: a base by market capitalisation (small), country premium for Australia. 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 Bravura Solutions Ltd that is +5.6 % per year a year over ten years, using the same discount rate (11.0 %) and the same formula as our fair value.
How much growth has Bravura Solutions Ltd (BVS) delivered so far?
Over the past 5 years revenue at Bravura Solutions Ltd grew -1.2 % a year. The price currently implies +5.6 % 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 Bravura Solutions Ltd (BVS) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Bravura Solutions Ltd (+5.6 % 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 Bravura Solutions Ltd (BVS)?
The free-cash-flow yield on the price is 7.06 %: that much free cash flow Bravura Solutions Ltd produces per unit of market value. When it exceeds the discount rate of our models (11.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bravura Solutions Ltd (BVS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bravura Solutions Ltd it is A$2.05 per share (as of Sep 27, 2026), against a price of A$3.09. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Bravura Solutions Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, BVS trades above its calculated fair value: price A$3.09, fair value A$2.05, a gap of about −34% (overvalued). 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 BVS?
No. The price is what the market pays today (A$3.09); the fair value is what the company's own numbers justify (A$2.05). For Bravura Solutions Ltd the two are A$1.04 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bravura Solutions Ltd worth?
The market values Bravura Solutions Ltd at about A$1.4B (market capitalisation, as of Sep 27, 2026). Per share that is A$3.09; our models calculate a fair value of A$2.05 per share.
What do the bullish and bearish scenarios say about BVS?
Our models span a range for Bravura Solutions Ltd: cautious scenario A$1.56, base A$2.05, optimistic A$2.54 per share (as of Sep 27, 2026, price A$3.09). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BVS?
Bravura Solutions Ltd trades at a price-to-earnings ratio of 34.3 (as of Sep 27, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of A$2.05 is built from several models across several years. Other multiples: P/B 10.3, P/S 3.5, EV/EBITDA 14.1.
How solid is the balance sheet of Bravura Solutions Ltd (BVS)?
Balance-sheet figures for Bravura Solutions Ltd (as of Sep 27, 2026): return on equity 36.2%. They feed the Quality Score of 97/100, which measures business quality independently of the share price.
How far is BVS from its 52-week high?
Bravura Solutions Ltd trades at A$3.09, about 14% below its 52-week high of A$3.59 and 81% above the low of A$1.71 (as of Oct 1, 2026). Distance from the high says nothing about value: that is what the fair value of A$2.05 is for.
Which stocks are comparable to Bravura Solutions Ltd?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, 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 Bravura Solutions Ltd stock attractive at the current price?
The data as of Sep 27, 2026: price A$3.09, calculated fair value A$2.05 (−34%), Quality Score 97/100, from 26 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 BVS calculated?
We run Bravura Solutions Ltd through 26 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 A$2.05, 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. Bravura Solutions Ltd itself currently trades above fair value. 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 Bravura Solutions Ltd (BVS)?
The closing price on Oct 1, 2026 was A$3.09. Our model-based fair value is A$2.05, about −34% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bravura Solutions Ltd right now?
A high-quality business (quality 97/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case (A$2.54). The favourable scenario is already priced in.
Key figures of Bravura Solutions Ltd
How large is the market capitalisation of Bravura Solutions Ltd (BVS)?
The market capitalisation of Bravura Solutions Ltd is A$1.4B (≈ $961M). 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 Bravura Solutions Ltd (BVS)?
The price-to-sales ratio of Bravura Solutions Ltd is 9.94 (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 Bravura Solutions Ltd (BVS)?
Earnings per share at Bravura Solutions Ltd are A$0.0900 (price ÷ EPS = P/E 34.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bravura Solutions Ltd (BVS)?
The dividend yield of Bravura Solutions Ltd is 4.8% (payout 166%). 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 Bravura Solutions Ltd (BVS)?
The net margin of Bravura Solutions Ltd is 28.9% (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 Bravura Solutions Ltd (BVS)?
The return on equity (ROE) of Bravura Solutions Ltd is 36.2% (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 Bravura Solutions Ltd (BVS)?
On an EBIT basis the return on assets of Bravura Solutions Ltd is 6.5% (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 Bravura Solutions Ltd (BVS)?
The operating margin of Bravura Solutions Ltd is 22.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bravura Solutions Ltd (BVS)?
Revenue at Bravura Solutions Ltd is growing +8.3% versus a year earlier (3y avg −1.1%). 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 Bravura Solutions Ltd (BVS)?
Earnings per share at Bravura Solutions Ltd are growing −57.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Bravura Solutions Ltd (BVS) hold?
Bravura Solutions Ltd holds more cash than debt, A$45.4M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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