CAB Payments Holdings Ltd (CABP) fair value: what the stock is really worth
As of Sep 29, 2026: fair value of CAB Payments Holdings Ltd £0.45, price £0.79, upside -43.0%, quality 31 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
39‑month range £0.3840 – £3.11 · fair‑value band £0.4500 – £0.4800 · the £0.7900 price screens above the £0.4500 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. Dashed = 300-day average. As of Sep 27, 2026.
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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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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.
Stock analysis
CAB Payments Holdings Ltd (CABP) currently trades at £0.7900, while our model-based Fair Value estimate is £0.4500, implying the stock looks roughly 75.6% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of £0.6900 per share, and 1 of the 4 models we run sit above the £0.7900 price.
Bear case: the Asset-Based group reads lowest at £0.4200, and 3 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: £0.4500 (bear) to £0.4800 (bull), the price of £0.7900 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 31/100 (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 206M GBX · P/E ratio 15.8 · P/S ratio 1.45 · EPS (TTM) £0.0500 · Net margin 9.2% · Return on equity 8.8% · Return on assets (EBIT) 0.4% · Operating margin −18.2%.
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 18% below its 52-week high and 63% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −20% fair-value upside, at −43%, CABP screens richer than that median.
Fair Value models
Bear £0.4500Fair Value £0.4500Bull £0.4800
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 (£0.0373 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.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%
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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.
−6.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−6.0%
Dividend (yield on the price)0.0%
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%
Compare CAB Payments Holdings Ltd with another stock
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.Banks - Diversified · 42 stocks
Beats the industry median on 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score34 · Bottom 25%
Fair Value upside−43.0% · Bottom 25%
Profitability
Return on equity (TTM)8.8% · Bottom 25%
Return on assets−0.3% · Bottom 25%
Net margin (TTM)15.8% · Bottom 25%
Operating margin (TTM)−18.2% · Bottom 25%
Growth and dividend
Revenue growth−5.8% · Bottom 25%
Valuation Multiplesvs Banks - Diversified median · lower = cheaper
P/E (TTM)15.8× · Pricier than median
P/B1.28× · Cheapest 25%
P/S (TTM)2.39× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 0
FUTURE (revenue growth)0· sector 56
PAST (return on equity)35· sector 45
HEALTH (low debt)0· sector 41
DIVIDEND (yield)0· sector 71
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 CAB Payments Holdings Ltd (CABP) overvalued or undervalued?
As of Sep 27, 2026, our model estimates a fair value of £0.4500 versus a price of £0.7900, about −43% upside (overvalued).
What is the fair value of CABP?
Our model-based fair value for CAB Payments Holdings Ltd is £0.4500 (as of Sep 27, 2026), built from audited fundamentals. The current price: £0.7900.
What is the quality score of CABP?
CAB Payments Holdings Ltd has a Quality Score of 31/100. 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 £0.4500 (as of Sep 27, 2026) from 4 valuation models. Cautious scenario £0.4500, optimistic scenario £0.4800. 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 £0.4500, about −43% upside versus a price of £0.7900 (overvalued). Cautious scenario £0.4500, optimistic scenario £0.4800. 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 £86.1M (latest available figure, as of Sep 27, 2026).
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 £0.4500 per share (as of Sep 27, 2026), against a price of £0.7900. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is CAB Payments Holdings Ltd stock overvalued or undervalued in 2026?
As of Sep 27, 2026, CABP trades above its calculated fair value: price £0.7900, fair value £0.4500, a gap of about −43% (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 (£0.7900); the fair value is what the company's own numbers justify (£0.4500). For CAB Payments Holdings Ltd the two are £0.3400 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 206M GBX (market capitalisation, as of Sep 27, 2026). Per share that is £0.7900; our models calculate a fair value of £0.4500 per share.
What do the bullish and bearish scenarios say about CABP?
Our models span a range for CAB Payments Holdings Ltd: cautious scenario £0.4500, base £0.4500, optimistic £0.4800 per share (as of Sep 27, 2026, price £0.7900). 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 15.8 (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 £0.4500 is built from several models across several years. Other multiples: P/B 1.3, P/S 2.4.
How solid is the balance sheet of CAB Payments Holdings Ltd (CABP)?
Balance-sheet figures for CAB Payments Holdings Ltd (as of Sep 27, 2026): return on equity 8.8%. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is CABP from its 52-week high?
CAB Payments Holdings Ltd trades at £0.7900, about 18% below its 52-week high of £0.9650 and 63% above the low of £0.4860 (as of Sep 29, 2026). Distance from the high says nothing about value: that is what the fair value of £0.4500 is for.
Which stocks are comparable to CAB Payments Holdings Ltd?
From the same area (Financial Services) we also value JPMorgan Chase & Co, Industrial and Commercial Bank of China Limited, China Construction Bank Corporation, Bank of America Corporation, 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 Sep 27, 2026: price £0.7900, calculated fair value £0.4500 (−43%), Quality Score 31/100, from 4 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 4 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 £0.4500, 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 15.9 % 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 Sep 29, 2026 was £0.7900. Our model-based fair value is £0.4500, about −43% upside (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 (£0.4800). The favourable scenario is already priced in. Weak quality (31/100) and above fair value at the same time, the margin of safety is missing on both counts. The models converge in a tight band (£0.4500 to £0.4800), 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 206M GBX. 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 1.45 (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 CAB Payments Holdings Ltd (CABP)?
Earnings per share at CAB Payments Holdings Ltd are £0.0500 (price ÷ EPS = P/E 15.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of CAB Payments Holdings Ltd (CABP)?
The net margin of CAB Payments Holdings Ltd is 9.2% (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 CAB Payments Holdings Ltd (CABP)?
The return on equity (ROE) of CAB Payments Holdings Ltd is 8.8% (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 −18.2% (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 −5.8% 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 +233% 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 GBX (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 GBX net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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