Cashbil (CSB) fair value: what the stock is really worth
As of Sep 22, 2026: fair value of Cashbil ZAR 233, price ZAR 99.75, upside +133.9%, quality 68 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 24, 2026.
How to read this chart
60‑month range R99.75 – R281.66 · fair‑value band R174.99 – R291.65 · the R99.75 price screens below the R233.32 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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Cashbuild Limited engages in the retailing of building materials and associated products in South Africa, Botswana, Eswatini, Lesotho, Namibia, Zambia, and Malawi. It operates through Cashbuild, P&L Hardware, Cashbuild Common Monetary Operations, and Cashbuild Non-Common Monetary Operations segments.
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Cashbuild Limited engages in the retailing of building materials and associated products in South Africa, Botswana, Eswatini, Lesotho, Namibia, Zambia, and Malawi. It operates through Cashbuild, P&L Hardware, Cashbuild Common Monetary Operations, and Cashbuild Non-Common Monetary Operations segments. The company offers builder, hand, and garden tools; safety equipment and workwear, tanks, field toilets, drain covers, and wheel barrows; and aggregates, plastic sheeting, and steel products. It also provides brickwork; concrete; cement; electrical, and bathroom and kitchen products; doors, putty, and windows; roofing and ceiling products; tools and hardware; inverters, petrol generators, lighting, and gas solutions; soft drinks and snacks; and outdoor and decorative products. It serves contractors, homebuilders and improvers, farmers, traders, and other customers. The company operates through the Cashbuild model and P&L Hardware stores. Cashbuild Limited was founded in 1978 and is based in Johannesburg, South Africa.
Stock analysis
Cashbil (CSB) currently trades at R99.75, while our model-based Fair Value estimate is R233.32, implying the stock looks roughly 57.2% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of R526.86 per share, and 20 of the 26 models we run sit above the R99.75 price.
Bear case: the Dividend Discount group reads lowest at R58.73, and 6 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: R174.99 (bear) to R291.65 (bull), the price of R99.75 sits below 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 68/100 (solid quality), in the Consumer Cyclical sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Cashbil reported revenue of 11.5B ZAR in FY2025 versus 12.6B ZAR in FY2021, a compound −2.3%/yr. Reported net income was 221M ZAR in FY2025, compounding −24.0%/yr from FY2021.
Key figures
Market cap 2.6B ZAC · P/E ratio 10.1 · P/S ratio 0.20 · EPS (TTM) R9.83 · Dividend yield 6.9% · Net margin 1.9% · Return on equity 11.5% · Return on assets (EBIT) 7.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 37% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −19% fair-value upside, at 134%, CSB screens cheaper than that median.
Fair Value models
Bear R174.99Fair Value R233.32Bull R291.65
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 12 months old). Earnings retained since then (2.90 ZAR 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.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.63/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+2.6%
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.
+1.0%
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.
+2.6%
Start year 2020 (pandemic). Over 10 years: +4.1% a year
Revenue growth 22 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.
+10.1%
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What shareholders gained per year (last 5 years), in ZAR (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in ZAR: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
−15.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−22.7%
Dividend (yield on the price)6.9%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−11% vs −4%, slowing
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.5% → 3%
2025 sits 119% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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.Home Improvement Retail · 34 stocks
Beats the industry median on 13/15 measures
Overall it ranks above its industry peers.
Valuation
Quality Score68 · Top 25%
Fair Value upside+134% · Top 25%
Profitability
Return on equity (TTM)12% · Top 25%
Return on assets3% · Above median
Net margin (TTM)2% · Below median
Operating margin (TTM)3% · Below median
Growth and dividend
Revenue growth4% · Above median
Dividend yield (TTM)6.9% · Top 25%
Balance sheet
Debt / equity0.01× · Lowest 25%
Valuation Multiplesvs Home Improvement Retail median · lower = cheaper
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.
Cite: Fair Value Calculator (2026). "Cashbil Fair Value". https://www.fairvalue-calculator.com/stock/CSB
Frequently asked questions
Is Cashbil (CSB) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of R233.32 versus a price of R99.75, about +134% upside (undervalued).
What is the fair value of CSB?
Our model-based fair value for Cashbil is R233.32 (as of Sep 24, 2026), built from audited fundamentals. The current price: R99.75.
What is the quality score of CSB?
Cashbil has a Quality Score of 68/100. 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 Cashbil (CSB)?
Our model-based price target is the fair value of R233.32 (as of Sep 24, 2026) from 26 valuation models. Cautious scenario R174.99, optimistic scenario R291.65. It is a calculation from audited fundamentals, not an analyst target.
What is the Cashbil stock forecast for 2026?
Our models put fair value at R233.32, about +134% upside versus a price of R99.75 (undervalued). Cautious scenario R174.99, optimistic scenario R291.65. The calculation is refreshed regularly with new filings.
What is the revenue of Cashbil (CSB)?
Cashbil reported trailing-twelve-month revenue of about 11.7B ZAR (latest available figure, as of Sep 24, 2026).
Does Cashbil pay a dividend?
Cashbil currently shows a dividend yield of about 6.95% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Cashbil (CSB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Cashbil it is R233.32 per share (as of Sep 24, 2026), against a price of R99.75. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Cashbil stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CSB trades below its calculated fair value: price R99.75, fair value R233.32, a gap of about +134% (undervalued). 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 CSB?
No. The price is what the market pays today (R99.75); the fair value is what the company's own numbers justify (R233.32). For Cashbil the two are R133.57 per share apart. That gap is exactly why we show both numbers side by side.
How much is Cashbil worth?
The market values Cashbil at about 2.6B ZAC (market capitalisation, as of Sep 24, 2026). Per share that is R99.75; our models calculate a fair value of R233.32 per share.
What do the bullish and bearish scenarios say about CSB?
Our models span a range for Cashbil: cautious scenario R174.99, base R233.32, optimistic R291.65 per share (as of Sep 24, 2026, price R99.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CSB?
Cashbil trades at a price-to-earnings ratio of 10.1 (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 R233.32 is built from several models across several years. Other multiples: PEG 0.0, P/B 1.4, P/S 0.2, EV/EBITDA 4.1.
What is the PEG ratio of CSB?
The PEG ratio of Cashbil is 0.01 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Cashbil (CSB)?
Balance-sheet figures for Cashbil (as of Sep 24, 2026): return on equity 11.5%, debt of 0.01 per unit of equity. They feed the Quality Score of 68/100, which measures business quality independently of the share price.
How far is CSB from its 52-week high?
Cashbil trades at R99.75, about 37% below its 52-week high of R157.87 and at the low of R99.75 (as of Sep 22, 2026). Distance from the high says nothing about value: that is what the fair value of R233.32 is for.
Which stocks are comparable to Cashbil?
From the same area (Consumer Cyclical) we also value The Home Depot, Inc, Lowe's Companies, Inc, Wesfarmers Limited, Floor & Decor Holdings, 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 Cashbil stock attractive at the current price?
The data as of Sep 24, 2026: price R99.75, calculated fair value R233.32 (+134%), Quality Score 68/100, from 26 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 CSB calculated?
We run Cashbil through 26 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 R233.32, 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 14.0 % above its aggregate fair value. Cashbil currently trades 134 % below its own fair value, and the market average says nothing about that. 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 Cashbil (CSB)?
The closing price on Sep 22, 2026 was R99.75. Our model-based fair value is R233.32, about +134% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Cashbil right now?
The price is below even our cautious bear case (R174.99). The market is more pessimistic than our downside scenario. Solid quality (68/100) at a price below fair value, the discount is the argument here, not the business quality.
Where does the earnings growth of Cashbil (CSB) come from?
Earnings per share at Cashbil grew −9.2 % a year from 2014 to 2025. Broken into its drivers: revenue per share +4.9 %, EBIT margin −10.0 %, tax rate −0.5 %, residual (interest, one-offs) −3.4 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Cashbil
How large is the market capitalisation of Cashbil (CSB)?
The market capitalisation of Cashbil is 2.6B ZAC. 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 Cashbil (CSB)?
The price-to-sales ratio of Cashbil is 0.20 (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 Cashbil (CSB)?
Earnings per share at Cashbil are R9.83 (price ÷ EPS = P/E 10.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Cashbil (CSB)?
The dividend yield of Cashbil is 6.9% (payout 70.5%). 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 Cashbil (CSB)?
The net margin of Cashbil is 1.9% (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 Cashbil (CSB)?
The return on equity (ROE) of Cashbil is 11.5% (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 Cashbil (CSB)?
On an EBIT basis the return on assets of Cashbil is 7.9% (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 Cashbil (CSB)?
The operating margin of Cashbil is 3.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Cashbil (CSB)?
Revenue at Cashbil is growing +3.5% versus a year earlier (3y avg +1.0%). 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 Cashbil (CSB)?
Earnings per share at Cashbil are growing −9.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Cashbil (CSB) generate?
The free cash flow of Cashbil is 1.2B ZAC (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Cashbil (CSB) carry?
The net debt of Cashbil is 898M ZAC (fiscal year 2025, ≈ 0.7 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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