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Clientèle Limited (CLI) Fair Value & Analysis

Financial Services · ZA · Market cap 8.8B ZAC

Price19.71 ZAC
Fair Value30.25 ZAC
Upside+53.5%
Quality95/100
Evidence: High Range 22.69 ZAC – 37.81 ZAC

Fair value as of: Jun 26, 2026

Analysis

Clientèle Limited (CLI) currently trades at 19.71 ZAC, while our model-based Fair Value estimate is 30.25 ZAC — implying the stock looks roughly 53.5% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high) — always confirm before acting.

About the company

Clientèle Limited, through its subsidiaries, engages in the provision of financial services in South Africa. It operates through Clientèle Life Insurance; 1Life Insurance; Emerald Life Insurance; Non-Life Insurance; and CBC Rewards, Mobile and Direct Rewards segments. The company markets, distributes, and underwrites insurance and investment products, as well as invests funds; operates a micro-insurance license, and markets and distributes specialized funeral products; and offers personal and business lines legal insurance policies. It also provides rewards benefits to its clients from retailers and service providers; and airtime and data products. The company was incorporated in 2007 and is headquartered in Morningside, South Africa.

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Frequently asked questions

Is Clientèle Limited (CLI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 30.25 ZAC versus a price of 19.71 ZAC — about +53% (undervalued). Model-based estimate, not financial advice.
What is the fair value of CLI?
Our 21-model fair value for Clientèle Limited is 30.25 ZAC (as of Jun 26, 2026), built from audited fundamentals. The current price is 19.71 ZAC.
What is the quality score of CLI?
Clientèle Limited has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.