CAB Payments Holdings (CABP) Fair Value & Analysis
Financial Services · GB · Market cap 195M GBX
Fair value as of: Aug 13, 2026
From 6 valuation models · updated yesterday
Fair value updated Aug 13, 2026, revised from £0.6900 to £0.7000 (+1.4%) since Jul 16, 2026. Share price +4.8% over the past month.
Below-average quality, and screening another 14% overvalued on our models.
What matters now
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
- Our model range runs from £0.5300 (bear) to £0.8800 (bull), base £0.7000. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 31/100 (below-average quality) with high evidence: the data supports the verdict.
Price vs Fair Value (3 years)
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
37‑month range £0.3840 – £3.11 · fair‑value band £0.5300 – £0.8800 · the £0.8100 price screens above the £0.7000 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Aug 13, 2026.
Analysis
CAB Payments Holdings (CABP) currently trades at £0.8100, while our model-based Fair Value estimate is £0.7000, implying the stock looks roughly 13.6% overvalued today. The Quality Score stands at 31/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, CAB Payments Holdings generated revenue of £86.1M at a net margin of 15.8%. Revenue declined 5.8% year over year. It earns a return on equity of 8.8%. The balance sheet holds a net cash position of £239M. Fundamentals as of Aug 13, 2026
Our scenario range runs from £0.5300 (bear case) to £0.8800 (bull case); at £0.8100, 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 -15% fair-value upside, at -14%, CABP 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.
All 6 models by family
Widest divergence: Multiples (£0.6900) versus Asset-Based (£0.4200). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 13, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 33 · Market factors (momentum, volatility) 60
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
CAB Payments Holdings Limited, through its subsidiaries, provides business-to-business cross-border payments and foreign exchange (FX) services in the Americas, the United Kingdom, the rest of Europe, Africa, the Middle East, and Asia.
Full company description
CAB Payments Holdings Limited, through its subsidiaries, provides business-to-business cross-border payments and foreign exchange (FX) services in the Americas, the United Kingdom, the rest of Europe, Africa, the Middle East, and Asia. The company offers wholesale FX and payment services; banking services, including transaction and deposit accounts, as well as trade finance solutions; and FX derivatives. It serves banking institutions comprising emerging market financial institutions (EMFI), central banks, and major market banks; fintechs consisting of high street and online remittance companies, payroll providers, and pension administrators; corporates, such as airlines, logistics, infrastructure, and telecom companies; and international development organizations (IDOs), including multilateral, government, and non-government organizations. The company was formerly known as CABIM Limited and changed its name to CAB Payments Holdings Limited in March 2023. CAB Payments Holdings Limited was incorporated in 2015 and is headquartered in London, United Kingdom.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
CAB Payments Holdings reported revenue of £147M in FY2025 versus £14.5M in FY2021, a compound +78.4%/yr. Reported net income was £13.6M in FY2025, compounding +17.4%/yr from FY2021.
CABP screens 14% overvalued. Compare with JPMorgan Chase & Co →
Peer Group
Banks - Diversified · 47 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.
Valuation Multiples vs Banks - Diversified median · lower = cheaper
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Banks - Diversified stocks, each showing price versus our Fair Value estimate (as of Aug 13, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| JPMorgan Chase & Co JPM | $365.18 | $217.97 | -40% |
| Bank of America Corporation BOFA | C$31.78 | C$18.89 | -41% |
| China Construction Bank Corporation 601939 | ¥10.24 | ¥18.21 | +78% |
| Industrial and Commercial Bank of China Limited 601398 | ¥7.52 | ¥14.44 | +92% |
| HSBC Holdings HBCN | 1,610 MXN | 1,364 MXN | -15% |
| Agricultural Bank of China Limited 601288 | ¥6.56 | ¥12.94 | +97% |
| Bank of China Limited 601988 | ¥5.83 | ¥11.24 | +93% |
| Banco Santander, S.A SAN | 55.29 PLN | 31.78 PLN | -43% |
| UBS Group UBSN | 939.75 MXN | 565.49 MXN | -40% |
| Barclays PLC BCSN | 475.00 MXN | 332.60 MXN | -30% |
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Frequently asked questions
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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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