Clearview Wealth Ltd (CVW) fair value: what the stock is really worth
As of Aug 25, 2026: fair value of Clearview Wealth Ltd A$0.18, price A$0.65, upside -72.3%, quality 40 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 A$0.3200 – A$0.7204 · fair‑value band A$0.1400 – A$0.2250 · the A$0.6500 price screens above the A$0.1800 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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ClearView Wealth Limited engages in the life insurance business in Australia. It offers life insurance products, including term life, trauma and critical illness benefits, child and accident covers, accidental death income protection and business expense covers, and total permanent disability. The company also provides administration services.
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ClearView Wealth Limited engages in the life insurance business in Australia. It offers life insurance products, including term life, trauma and critical illness benefits, child and accident covers, accidental death income protection and business expense covers, and total permanent disability. The company also provides administration services. ClearView Wealth Limited was founded in 1976 and is headquartered in Sydney, Australia.
Stock analysis
Clearview Wealth Ltd (CVW) currently trades at A$0.6500, while our model-based Fair Value estimate is A$0.1800, 72.3% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of A$0.3700 per share, and 0 of the 6 models we run sit above the A$0.6500 price.
Bear case: the Dividend Discount group reads lowest at A$0.1000, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: A$0.1400 (bear) to A$0.2250 (bull), the price of A$0.6500 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 40/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
Clearview Wealth Ltd reported revenue of A$23.7M in FY2025 versus A$397M in FY2021, a compound −50.6%/yr. Reported net income was A$8.2M in FY2025, compounding +5.2%/yr from FY2021.
Key figures
Market cap A$422M (≈ $293M) · P/E ratio 65.0 · P/S ratio 22.4 · EPS (TTM) A$0.0100 · Dividend yield 1.7% · Net margin 34.5% · Return on equity 1.5% · Return on assets (EBIT) 0.9%.
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 at its 52-week high and 38% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −35% fair-value upside, at −72%, CVW screens richer than that median.
Fair Value models
Bear A$0.1400Fair Value A$0.1800Bull A$0.2250
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 (A$0.0100 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.55/100
Spin-off in 2025: revenue and profit before it include the divested business. Growth is measured afresh from 2025.
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.
+0.6%
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.
−2.3%
Revenue growth 20 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.
+23.9%
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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. Basis: EBIT basis.
+24.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+23.2%
Dividend (yield on the price)1.7%
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.3.5% vs −8.6%, picking up
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.1% → 94%
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 1.6%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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.Insurance - Life · 88 stocks
Beats the industry median on 1/10 measures
Overall it trails its industry peers.
Valuation
Quality Score42 · Bottom 25%
Fair Value upside−72.3% · Bottom 25%
Profitability
Return on equity (TTM)1.5% · Bottom 25%
Return on assets0.7% · Below median
Net margin (TTM)0.2% · Bottom 25%
Operating margin (TTM)8.6% · Below median
Growth and dividend
Revenue growth24.6% · Top 25%
Dividend yield (TTM)1.7% · Bottom 25%
Balance sheet
Debt / equity0.55× · Highest 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
P/E (TTM)65.0× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 2
FUTURE (revenue growth)100· sector 43
PAST (return on equity)6· sector 49
HEALTH (low debt)72· sector 87
DIVIDEND (yield)35· sector 57
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 Clearview Wealth Ltd (CVW) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of A$0.1800 versus the last price from Aug 25, 2026 of A$0.6500, about −72% upside (overvalued).
What is the fair value of CVW?
Our model-based fair value for Clearview Wealth Ltd is A$0.1800 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Aug 25, 2026): A$0.6500.
What is the quality score of CVW?
Clearview Wealth Ltd has a Quality Score of 40/100. 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 Clearview Wealth Ltd (CVW)?
Our model-based price target is the fair value of A$0.1800 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario A$0.1400, optimistic scenario A$0.2250. It is a calculation from audited fundamentals, not an analyst target.
What is the Clearview Wealth Ltd stock forecast for 2026?
Our models put fair value at A$0.1800, about −72% upside versus the last price from Aug 25, 2026 of A$0.6500 (overvalued). Cautious scenario A$0.1400, optimistic scenario A$0.2250. The calculation is refreshed regularly with new filings.
Does Clearview Wealth Ltd pay a dividend?
Clearview Wealth Ltd currently shows a dividend yield of about 1.74% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Clearview Wealth Ltd (CVW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Clearview Wealth Ltd it is A$0.1800 per share (as of Sep 24, 2026), against a price of A$0.6500. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Clearview Wealth Ltd stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CVW trades above its calculated fair value: price A$0.6500, fair value A$0.1800, a gap of about −72% (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 CVW?
No. The price is what the market pays today (A$0.6500); the fair value is what the company's own numbers justify (A$0.1800). For Clearview Wealth Ltd the two are A$0.4700 per share apart. That gap is exactly why we show both numbers side by side.
How much is Clearview Wealth Ltd worth?
The market values Clearview Wealth Ltd at about A$422M (market capitalisation, as of Sep 24, 2026). Per share that is A$0.6500; our models calculate a fair value of A$0.1800 per share.
What do the bullish and bearish scenarios say about CVW?
Our models span a range for Clearview Wealth Ltd: cautious scenario A$0.1400, base A$0.1800, optimistic A$0.2250 per share (as of Sep 24, 2026, price A$0.6500). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CVW?
Clearview Wealth Ltd trades at a price-to-earnings ratio of 65.0 (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 A$0.1800 is built from several models across several years.
How solid is the balance sheet of Clearview Wealth Ltd (CVW)?
Balance-sheet figures for Clearview Wealth Ltd (as of Sep 24, 2026): return on equity 1.5%, debt of 0.55 per unit of equity. They feed the Quality Score of 40/100, which measures business quality independently of the share price.
How far is CVW from its 52-week high?
Clearview Wealth Ltd trades at A$0.6500, at its 52-week high of A$0.6500 and 38% above the low of A$0.4700 (as of Aug 25, 2026). Distance from the high says nothing about value: that is what the fair value of A$0.1800 is for.
Which stocks are comparable to Clearview Wealth Ltd?
From the same area (Financial Services) we also value China Life Insurance Company, Ping An Insurance (Group) Company, AIA Group, Manulife Financial 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 Clearview Wealth Ltd stock attractive at the current price?
The data as of Sep 24, 2026: price A$0.6500, calculated fair value A$0.1800 (−72%), Quality Score 40/100, 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 CVW calculated?
We run Clearview Wealth Ltd through 6 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 A$0.1800, 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. Clearview Wealth 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 Clearview Wealth Ltd (CVW)?
The latest price we hold is from Aug 25, 2026 and stands at A$0.6500. Our model-based fair value is A$0.1800, about −72% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Clearview Wealth Ltd right now?
The price sits above even our optimistic bull case (A$0.2250). The favourable scenario is already priced in. Weak quality (40/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Where does the earnings growth of Clearview Wealth Ltd (CVW) come from?
Earnings per share at Clearview Wealth Ltd grew −5.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share −7.4 %, EBIT margin −2.0 %, tax rate +1.2 %, residual (interest, one-offs) +3.5 %. 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 Clearview Wealth Ltd
How large is the market capitalisation of Clearview Wealth Ltd (CVW)?
The market capitalisation of Clearview Wealth Ltd is A$422M (≈ $293M). 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 Clearview Wealth Ltd (CVW)?
The price-to-sales ratio of Clearview Wealth Ltd is 22.4 (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 Clearview Wealth Ltd (CVW)?
Earnings per share at Clearview Wealth Ltd are A$0.0100 (price ÷ EPS = P/E 65.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Clearview Wealth Ltd (CVW)?
The dividend yield of Clearview Wealth Ltd is 1.7% (payout 113%). 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 Clearview Wealth Ltd (CVW)?
The net margin of Clearview Wealth Ltd is 34.5% (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 Clearview Wealth Ltd (CVW)?
The return on equity (ROE) of Clearview Wealth Ltd is 1.5% (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 Clearview Wealth Ltd (CVW)?
On an EBIT basis the return on assets of Clearview Wealth Ltd is 0.9% (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 Clearview Wealth Ltd (CVW)?
The operating margin of Clearview Wealth Ltd is 8.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Clearview Wealth Ltd (CVW)?
Revenue at Clearview Wealth Ltd is growing +24.6% versus a year earlier (3y avg −57.9%). 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 Clearview Wealth Ltd (CVW)?
Earnings per share at Clearview Wealth Ltd are growing −44.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Clearview Wealth Ltd (CVW) generate?
The free cash flow of Clearview Wealth Ltd is −A$1.4B (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 Clearview Wealth Ltd (CVW) hold?
Clearview Wealth Ltd holds more cash than debt, A$18.6M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Thin data
Sep 24, 2026