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

As of Sep 25, 2026: fair value of CAB Payments Holdings $0.61, price $1.10, upside -44.6%, quality 44 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? No
  2. Good quality? No
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Financial Services · US · Home United Kingdom · ISIN GB00BMCYKB41

CP CAB Payments Holdings logo Some data Sep 24, 2026

CAB Payments Holdings

CABPF · US

Weakest SetupStrongly overvalued and low quality.

!Fair value $0.6100 · Strongly overvalued (−44.6%)
!Quality 44/100
!Expensive Growth (revenue 5y +28.0 %/yr)
✓Solidly profitable · 15.8% net margin (TTM)
!negative free cash flow
!Narrow moat 30/100
!Evidence only medium, so the estimate is less certain
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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

$3.32 $0.5666 Fair Value $0.6100 Sep 2023 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.

How to read this chart

36‑month range $0.5666 – $3.32 · fair‑value band $0.6000 – $0.6100 · the $1.10 price screens above the $0.6100 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 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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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 (CABPF) currently trades at $1.10, while our model-based Fair Value estimate is $0.6100, 44.6% 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 $0.9200 per share, and 1 of the 4 models we run sit above the $1.10 price.

Bear case: the Asset-Based group reads lowest at $0.5600, and 3 of the 4 models stay below the price. Evidence for this calculation is medium.

Scenario range: $0.6000 (bear) to $0.6100 (bull), the price of $1.10 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 44/100 (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 reported revenue of £118M in FY2025 versus £14.5M in FY2021, a compound +68.7%/yr. Reported net income was £13.6M in FY2025, compounding +18.5%/yr from FY2021.

Key figures

Market cap $279M · P/E ratio 15.7 · P/S ratio 1.81 · EPS (TTM) $0.0700 · Dividend yield 5.0% · Net margin 11.5% · Return on equity 8.8% · Return on assets (EBIT) −2.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (medium confidence).

What moves the price

The share trades about 11% below its 52-week high and 69% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at −45%, CABPF screens richer than that median.

Fair Value models

Bear $0.6000 Fair Value $0.6100 Bull $0.6100
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 ($0.0529 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.
Highest evidence
Residual Income $0.6300 $0.6600 $0.7200 68
P/E Multiple $0.6900 $0.9200 $1.15 63
P/B Multiple $0.8800 $1.17 $1.47 55
All 4 models by family
Multiples
P/E Multiple $0.6900 $0.9200 $1.15 63
P/B Multiple $0.8800 $1.17 $1.47 55
Asset-Based
NCAV (Graham) $0.4200 $0.5600 $0.8400 51
Economic Profit
Residual Income $0.6300 $0.6600 $0.7200 68

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Quality Score breakdown

Overall quality 44/100

Of which business quality 51 · Market factors (momentum, volatility) 55

Profitability 23
Margins and returns on capital today
Quality Growth 55
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 97
Balance sheet, leverage, solvency risk
Investment 66
Disciplined investing over empire-building
Low Volatility 24
Calm price path (market factor)
Momentum 55
Price trend over the last 3–12 months (market factor)
52W Momentum 89
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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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
+11.4%
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.
+52.8%
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.
+28.0%
Start year 2020 (pandemic)
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.
+19.6%
Earnings growth per share plus dividend.
Earnings per share, growth per year+14.6%
Dividend (yield on the price)5.0%

CABPF screens overvalued: fair value 45% 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 · 43 stocks

Beats the industry median on 4/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 52 · Below median
Fair Value upside −17.1% · Above median
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%
Dividend yield (TTM) 5.0% · Top 25%

Valuation Multiplesvs Banks - Diversified median · lower = cheaper

P/E (TTM) 15.7× · Pricier than median
P/B 1.61× · Cheaper than median
P/S (TTM) 3.01× · Cheapest 25%

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
JPMorgan Chase & Co JPM $330.83 $188.11 −43%
Industrial and Commercial Bank of China Limited 601398 ¥8.28 ¥10.93 +32%
China Construction Bank Corporation 601939 ¥10.98 ¥13.69 +25%
Bank of America Corporation BAC $55.47 $42.37 −24%
Agricultural Bank of China Limited 601288 ¥6.97 ¥12.94 +86%
Bank of China Limited 601988 ¥6.62 ¥9.86 +49%
Royal Bank of Canada RY $200.95 $130.85 −35%
Mitsubishi UFJ Financial Group MUFG $23.37 $14.86 −36%
Wells Fargo & Company WFC $80.05 $66.44 −17%
Citigroup Inc C $130.80 $107.10 −18%

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CAB Payments Holdings · Fair Value
$0.6100 −45%Fair Value
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Cite: Fair Value Calculator (2026). "CAB Payments Holdings Fair Value". https://www.fairvalue-calculator.com/stock/CABPF

Frequently asked questions

Is CAB Payments Holdings (CABPF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.6100 versus the last price from Sep 25, 2026 of $1.10, about −45% upside (overvalued).
What is the fair value of CABPF?
Our model-based fair value for CAB Payments Holdings is $0.6100 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $1.10.
What is the quality score of CABPF?
CAB Payments Holdings has a Quality Score of 44/100. 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 (CABPF)?
Our model-based price target is the fair value of $0.6100 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario $0.6000, optimistic scenario $0.6100. It is a calculation from audited fundamentals, not an analyst target.
What is the CAB Payments Holdings stock forecast for 2026?
Our models put fair value at $0.6100, about −45% upside versus the last price from Sep 25, 2026 of $1.10 (overvalued). Cautious scenario $0.6000, optimistic scenario $0.6100. The calculation is refreshed regularly with new filings.
What is the revenue of CAB Payments Holdings (CABPF)?
CAB Payments Holdings reported trailing-twelve-month revenue of about $86.1M (latest available figure, as of Sep 24, 2026).
Does CAB Payments Holdings pay a dividend?
CAB Payments Holdings currently shows a dividend yield of about 4.96% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of CAB Payments Holdings (CABPF)?
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 it is $0.6100 per share (as of Sep 24, 2026), against a price of $1.10. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is CAB Payments Holdings stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CABPF trades above its calculated fair value: price $1.10, fair value $0.6100, a gap of about −45% (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 CABPF?
No. The price is what the market pays today ($1.10); the fair value is what the company's own numbers justify ($0.6100). For CAB Payments Holdings the two are $0.4900 per share apart. That gap is exactly why we show both numbers side by side.
How much is CAB Payments Holdings worth?
The market values CAB Payments Holdings at about $279M (market capitalisation, as of Sep 24, 2026). Per share that is $1.10; our models calculate a fair value of $0.6100 per share.
What do the bullish and bearish scenarios say about CABPF?
Our models span a range for CAB Payments Holdings: cautious scenario $0.6000, base $0.6100, optimistic $0.6100 per share (as of Sep 24, 2026, price $1.10). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CABPF?
CAB Payments Holdings trades at a price-to-earnings ratio of 15.7 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of $0.6100 is built from several models across several years. Other multiples: P/B 1.6, P/S 3.0.
How solid is the balance sheet of CAB Payments Holdings (CABPF)?
Balance-sheet figures for CAB Payments Holdings (as of Sep 24, 2026): return on equity 8.8%. They feed the Quality Score of 44/100, which measures business quality independently of the share price.
How far is CABPF from its 52-week high?
CAB Payments Holdings trades at $1.10, about 11% below its 52-week high of $1.23 and 69% above the low of $0.6500 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.6100 is for.
Which stocks are comparable to CAB Payments Holdings?
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 stock attractive at the current price?
The data as of Sep 24, 2026: price $1.10, calculated fair value $0.6100 (−45%), Quality Score 44/100, 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 CABPF calculated?
We run CAB Payments Holdings 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 $0.6100, 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. CAB Payments Holdings 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 (CABPF)?
The latest price we hold is from Sep 25, 2026 and stands at $1.10. Our model-based fair value is $0.6100, about −45% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CAB Payments Holdings right now?
The price sits above even our optimistic bull case ($0.6100). The favourable scenario is already priced in. Weak quality (44/100) and above fair value at the same time, the margin of safety is missing on both counts. The models converge in a tight band ($0.6000 to $0.6100), 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

How large is the market capitalisation of CAB Payments Holdings (CABPF)?
The market capitalisation of CAB Payments Holdings is $279M. 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 (CABPF)?
The price-to-sales ratio of CAB Payments Holdings is 1.81 (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 (CABPF)?
Earnings per share at CAB Payments Holdings are $0.0700 (price ÷ EPS = P/E 15.7). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of CAB Payments Holdings (CABPF)?
The dividend yield of CAB Payments Holdings is 5.0% (payout 77.9%). 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 (CABPF)?
The net margin of CAB Payments Holdings is 11.5% (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 (CABPF)?
The return on equity (ROE) of CAB Payments Holdings 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 (CABPF)?
On an EBIT basis the return on assets of CAB Payments Holdings is −2.6% (avg 2y). 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 (CABPF)?
The operating margin of CAB Payments Holdings 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 (CABPF)?
Revenue at CAB Payments Holdings is growing −5.8% versus a year earlier (3y avg +52.8%). 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 (CABPF)?
Earnings per share at CAB Payments Holdings 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 (CABPF) generate?
The free cash flow of CAB Payments Holdings is −$626M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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