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CAB Payments Holdings Ltd (CABP) fair value: what the stock is really worth

As of Nov 13, 2026: fair value (intrinsic value) of CAB Payments Holdings Ltd stock £0.48, price £0.82, that is 41.2% below the price, quality 39 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services GB · ISIN GB00BMCYKB41

CP CAB Payments Holdings Ltd logo Some data Nov 12, 2026

CAB Payments Holdings Ltd

CABP · LSE

Far too expensive (fair value 41% below the price) and weak company, but rising price: meets 1 of 3 rules.

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Rising price (uptrend) 
Highly profitable · 24.6% net margin (TTM) 
2.6% dividend yield · Low payout
Expensive Growth (revenue 5y +33.9 %/yr in GBP) 
Mixed vs. peers (5/11) 
Some data 
Fair value £0.4800 · Strongly overvalued 
Quality 39/100 
Narrow moat 43/100 · thin data
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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

£3.11 £0.3840 Fair Value £0.4800 Jul 2023 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 12, 2026.

How to read this chart

40‑month range £0.3840 – £3.11 · fair‑value band £0.4600 – £0.5100 · the £0.8160 price screens above the £0.4800 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 12, 2026.

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Company profile

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.

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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.

Stock analysis

CAB Payments Holdings Ltd (CABP) currently trades at £0.8160, while our model-based Fair Value estimate is £0.4800, 41% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of £0.7000 per share, and 0 of the 6 models we run sit above the £0.8160 price.

Bear case: the Asset-Based group reads lowest at £0.3400, and 6 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: £0.4600 (bear) to £0.5100 (bull), the price of £0.8160 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 39/100 (below-average quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

CAB Payments Holdings Ltd 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.

Key figures

Market cap £218M Micro · P/E ratio 10.2 · P/S ratio 2.58 · EPS (TTM) £0.0800 · Dividend yield 2.6% · Net margin 24.6% · Return on equity 12.9% · Return on assets (EBIT) 0.4% (5-year average).

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).

What moves the price

The share trades about 15% below its 52-week high and 64% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at 2% fair-value upside, at −41%, CABP screens richer than that median.

Fair Value models

Bear £0.4600 Fair Value £0.4800 Bull £0.5100
Price £0.8160 · Downside -41.2%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (£0.0514 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. Coverage ⓘCoverage = 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.
Best data coverage
Residual Income £0.4600 £0.4800 £0.5100 74
Gordon GGM £0.3100 £0.4700 £0.5800 67
DDM Multi-Stage £0.3100 £0.4700 £0.5100 65
All 6 models by family
Dividend Discount
Gordon GGM £0.3100 £0.4700 £0.5800 67
DDM Multi-Stage £0.3100 £0.4700 £0.5100 65
Multiples
P/E Multiple £0.5200 £0.6900 £0.8700 63
P/B Multiple £0.5400 £0.7100 £0.8900 55
Asset-Based
NCAV (Graham) £0.2600 £0.3400 £0.5100 51
Economic Profit
Residual Income £0.4600 £0.4800 £0.5100 74

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Quality Score breakdown

Overall quality 39/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 24
How much profit the company makes from its sales and capital
Quality Growth 43
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 52
Debt, balance sheet and risk of trouble
Investment 70
Does it invest with discipline instead of growing at any price?
Low Volatility 38
How calm the share price moves, does not count
Price momentum 64
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 84
Distance to the 52-week high, does not count
New shares 48
Buys back shares or issues new ones?

Open the full quality analysis →

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. 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+39.6%
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.
+64.7%
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.
+33.9%
Start year 2020 (pandemic)
Revenue growth 9 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.
+30.7%
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.
−3.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.0%
Dividend (yield on the price)2.6%
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.−7% → 13%

CABP screens overvalued: fair value 41% below the price. Compare with JPMorgan Chase & Co →

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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.Banks - Diversified · 47 stocks

Beats the industry median on 5/11 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 39 · Bottom 25%
Fair Value upside −41.2% · Bottom 25%
Profitability
Return on equity (12 months) 12.9% · Above median
Return on assets 0.8% · Above median
Net margin (12 months) 24.6% · Bottom 25%
Operating margin (12 months) −17.4% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −3.8% · Bottom 25%
Dividend yield (12 months) 2.6% · Below median

Valuation Multiplesvs Banks - Diversified median · lower = cheaper

P/E (12 months) 10.2× · Cheaper than median
P/B 1.36× · Cheaper than median
P/S (12 months) 2.58× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 1
FUTURE (revenue growth)0 · sector 33
PAST (return on equity)52 · sector 48
HEALTH (low debt)–
DIVIDEND (yield)51 · sector 66

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, 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 Banks - Diversified stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Agricultural Bank of China Limited 601288 ¥7.37 ¥9.14 +24% vs CABP
Industrial and Commercial Bank of China Limited 601398 ¥8.85 ¥10.52 +19% vs CABP
China Construction Bank Corporation 601939 ¥12.11 ¥13.33 +10% vs CABP
Bank of China Limited 601988 ¥7.18 ¥7.73 +8% vs CABP
Bank of America Corporation BAC $50.51 $51.63 +2% vs CABP
Wells Fargo & Company WFC $85.76 $81.15 −5% vs CABP
Mitsubishi UFJ Financial Group MUFG $21.75 $17.36 −20% vs CABP
Citigroup Inc C $124.06 $96.55 −22% vs CABP
Royal Bank of Canada RY $202.64 $132.82 −34% vs CABP
JPMorgan Chase & Co JPM $342.82 $218.18 −36% vs CABP

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CAB Payments Holdings Ltd: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "CAB Payments Holdings Ltd Fair Value". https://www.fairvalue-calculator.com/stock/CABP

Frequently asked questions

Is CAB Payments Holdings Ltd (CABP) overvalued or undervalued?
As of Nov 12, 2026, our model estimates a fair value of £0.4800 versus a price of £0.8160, about 41% lower (overvalued).
What is the fair value of CABP?
Our model-based fair value for CAB Payments Holdings Ltd is £0.4800 (as of Nov 12, 2026), built from audited fundamentals. The current price: £0.8160.
What is the quality score of CABP?
CAB Payments Holdings Ltd has a Quality Score of 39/100. 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 CAB Payments Holdings Ltd (CABP)?
Our model-based price target is the fair value of £0.4800 (as of Nov 12, 2026) from 6 valuation models. Cautious scenario £0.4600, optimistic scenario £0.5100. It is a calculation from audited fundamentals, not an analyst target.
What is the CAB Payments Holdings Ltd stock forecast for 2026?
Our models put fair value at £0.4800, about 41% lower versus a price of £0.8160 (overvalued). Cautious scenario £0.4600, optimistic scenario £0.5100. The calculation is refreshed regularly with new filings.
What is the revenue of CAB Payments Holdings Ltd (CABP)?
CAB Payments Holdings Ltd reported trailing-twelve-month revenue of about £84.4M (latest available figure, as of Nov 12, 2026).
Does CAB Payments Holdings Ltd pay a dividend?
CAB Payments Holdings Ltd currently shows a dividend yield of 2.57% relative to its recent price (as of Nov 12, 2026).
How much is the dividend of CAB Payments Holdings Ltd (CABP) and when is the ex-dividend date?
CAB Payments Holdings Ltd pays a dividend of £0.021 per share a year, a dividend yield of 2.6%. The last ex-dividend date was Aug 13, 2026. The payout ratio is 26.3% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of CAB Payments Holdings Ltd (CABP)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CAB Payments Holdings Ltd it is £0.4800 per share (as of Nov 12, 2026), against a price of £0.8160. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is CAB Payments Holdings Ltd stock overvalued or undervalued in 2026?
As of Nov 12, 2026, CABP trades above its calculated fair value: price £0.8160, fair value £0.4800, a gap of about −41% (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 CABP?
No. The price is what the market pays today (£0.8160); the fair value is what the company's own numbers justify (£0.4800). For CAB Payments Holdings Ltd the two are £0.3360 per share apart. That gap is exactly why we show both numbers side by side.
How much is CAB Payments Holdings Ltd worth?
The market values CAB Payments Holdings Ltd at about £218M (market capitalisation, as of Nov 12, 2026). Per share that is £0.8160; our models calculate a fair value of £0.4800 per share.
What do the bullish and bearish scenarios say about CABP?
Our models span a range for CAB Payments Holdings Ltd: cautious scenario £0.4600, base £0.4800, optimistic £0.5100 per share (as of Nov 12, 2026, price £0.8160). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CABP?
CAB Payments Holdings Ltd trades at a price-to-earnings ratio of 10.2 (as of Nov 12, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £0.4800 is built from several models across several years. Other multiples: P/B 1.4, P/S 2.6.
How solid is the balance sheet of CAB Payments Holdings Ltd (CABP)?
Balance-sheet figures for CAB Payments Holdings Ltd (as of Nov 12, 2026): return on equity 12.9%. They feed the Quality Score of 39/100, which measures business quality independently of the share price.
How far is CABP from its 52-week high?
CAB Payments Holdings Ltd trades at £0.8160, about 15% below its 52-week high of £0.9650 and 64% above the low of £0.4965 (as of Nov 13, 2026). Distance from the high says nothing about value: that is what the fair value of £0.4800 is for.
Which stocks are comparable to CAB Payments Holdings Ltd?
From the same area (Financial Services) we also value JPMorgan Chase & Co, China Construction Bank Corporation, Industrial and Commercial Bank of China Limited, Agricultural Bank of China Limited, 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 CAB Payments Holdings Ltd stock attractive at the current price?
The data as of Nov 12, 2026: price £0.8160, calculated fair value £0.4800 (−41%), Quality Score 39/100, from 6 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 CABP calculated?
We run CAB Payments Holdings Ltd through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of £0.4800 builds on their evidence-weighted average, 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 14.3% above its aggregate fair value. CAB Payments Holdings 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 CAB Payments Holdings Ltd (CABP)?
The closing price on Nov 13, 2026 was £0.8160. Our model-based fair value is £0.4800, about 41% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CAB Payments Holdings Ltd right now?
The price sits above even our optimistic bull case (£0.5100). The favourable scenario is already priced in. Weak quality (39/100) and above fair value at the same time, the margin of safety is missing on both counts. The models converge in a tight band (£0.4600 to £0.5100), unusually little disagreement for a valuation. 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 CAB Payments Holdings Ltd

How large is the market capitalisation of CAB Payments Holdings Ltd (CABP)?
The market capitalisation of CAB Payments Holdings Ltd is £218M. 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 CAB Payments Holdings Ltd (CABP)?
The price-to-sales ratio of CAB Payments Holdings Ltd is 2.58 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of CAB Payments Holdings Ltd (CABP)?
Earnings per share at CAB Payments Holdings Ltd are £0.0800 (price ÷ EPS = P/E 10.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of CAB Payments Holdings Ltd (CABP)?
The dividend yield of CAB Payments Holdings Ltd is 2.6% (payout 26.3%). 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 CAB Payments Holdings Ltd (CABP)?
The net margin of CAB Payments Holdings Ltd is 24.6% (last twelve months). 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 CAB Payments Holdings Ltd (CABP)?
The return on equity (ROE) of CAB Payments Holdings Ltd is 12.9% (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 CAB Payments Holdings Ltd (CABP)?
On an EBIT basis the return on assets of CAB Payments Holdings Ltd is 0.4% (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 CAB Payments Holdings Ltd (CABP)?
The operating margin of CAB Payments Holdings Ltd is −17.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CAB Payments Holdings Ltd (CABP)?
Revenue at CAB Payments Holdings Ltd is growing −3.8% versus a year earlier (3y avg +64.7%). 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 CAB Payments Holdings Ltd (CABP)?
Earnings per share at CAB Payments Holdings Ltd are growing +289% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does CAB Payments Holdings Ltd (CABP) generate?
The free cash flow of CAB Payments Holdings Ltd is −£10.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does CAB Payments Holdings Ltd (CABP) hold?
CAB Payments Holdings Ltd holds more cash than debt, £239M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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