ClearView Wealth Limited (CVWLF) fair value: what the stock is really worth
As of Aug 21, 2026: fair value of ClearView Wealth Limited $0.24, price $0.42, upside -42.3%, quality 52 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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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 Limited (CVWLF) currently trades at $0.4156, while our model-based Fair Value estimate is $0.2400, 42.3% 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 $0.2600 per share, and 0 of the 4 models we run sit above the $0.4156 price.
Bear case: the Multiples group reads lowest at $0.1200, and 4 of the 4 models stay below the price. Evidence for this calculation is low.
Quality & growth
The Quality Score stands at 52/100 (solid quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
ClearView Wealth Limited reported revenue of A$399M in FY2025 versus A$581M in FY2021, a compound −9.0%/yr. Reported net income was A$8.2M in FY2025, compounding +5.2%/yr from FY2021.
Key figures
Market cap $266M · P/E ratio 41.6 · P/S ratio 0.85 · EPS (TTM) $0.0100 · Dividend yield 3.0% · Net margin 2.0% · Return on equity 1.5% · Return on assets 0.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 6% below its 52-week high and 42% 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 −42%, CVWLF screens richer than that median.
Fair Value models
Bear $0.2400Fair Value $0.2400Bull $0.2400
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 ($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.41/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+5.6%
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.
+56.7%
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.
+6.9%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
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.
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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 2/10 measures
Overall it trails its industry peers.
Valuation
Quality Score52 · Below median
Fair Value upside−42.3% · Below median
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)3.0% · Above median
Balance sheet
Debt / equity0.55× · Highest 25%
Valuation Multiplesvs Insurance - Life median · lower = cheaper
P/E (TTM)41.6× · 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)61· sector 57
VALUE 0: the price sits above our fair-value range.
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Is ClearView Wealth Limited (CVWLF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.2400 versus the last price from Aug 21, 2026 of $0.4156, about −42% upside (overvalued).
What is the fair value of CVWLF?
Our model-based fair value for ClearView Wealth Limited is $0.2400 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Aug 21, 2026): $0.4156.
What is the quality score of CVWLF?
ClearView Wealth Limited has a Quality Score of 52/100. 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 Limited (CVWLF)?
Our model-based price target is the fair value of $0.2400 (as of Sep 24, 2026) from 4 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the ClearView Wealth Limited stock forecast for 2026?
Our models put fair value at $0.2400, about −42% upside versus the last price from Aug 21, 2026 of $0.4156 (overvalued). The calculation is refreshed regularly with new filings.
What is the revenue of ClearView Wealth Limited (CVWLF)?
ClearView Wealth Limited reported trailing-twelve-month revenue of about A$455M (latest available figure, as of Sep 24, 2026).
Does ClearView Wealth Limited pay a dividend?
ClearView Wealth Limited currently shows a dividend yield of about 3.05% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of ClearView Wealth Limited (CVWLF)?
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 Limited it is $0.2400 per share (as of Sep 24, 2026), against a price of $0.4156. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is ClearView Wealth Limited stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CVWLF trades above its calculated fair value: price $0.4156, fair value $0.2400, a gap of about −42% (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 CVWLF?
No. The price is what the market pays today ($0.4156); the fair value is what the company's own numbers justify ($0.2400). For ClearView Wealth Limited the two are $0.1756 per share apart. That gap is exactly why we show both numbers side by side.
How much is ClearView Wealth Limited worth?
The market values ClearView Wealth Limited at about $266M (market capitalisation, as of Sep 24, 2026). Per share that is $0.4156; our models calculate a fair value of $0.2400 per share.
What is the P/E ratio of CVWLF?
ClearView Wealth Limited trades at a price-to-earnings ratio of 41.6 (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 $0.2400 is built from several models across several years.
How solid is the balance sheet of ClearView Wealth Limited (CVWLF)?
Balance-sheet figures for ClearView Wealth Limited (as of Sep 24, 2026): return on equity 1.5%, debt of 0.55 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is CVWLF from its 52-week high?
ClearView Wealth Limited trades at $0.4156, about 6% below its 52-week high of $0.4441 and 42% above the low of $0.2929 (as of Aug 21, 2026). Distance from the high says nothing about value: that is what the fair value of $0.2400 is for.
Which stocks are comparable to ClearView Wealth Limited?
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 Limited stock attractive at the current price?
The data as of Sep 24, 2026: price $0.4156, calculated fair value $0.2400 (−42%), Quality Score 52/100, 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 CVWLF calculated?
We run ClearView Wealth Limited 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 $0.2400, 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 Limited 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 Limited (CVWLF)?
The latest price we hold is from Aug 21, 2026 and stands at $0.4156. Our model-based fair value is $0.2400, about −42% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with ClearView Wealth Limited right now?
The price sits above even our optimistic bull case ($0.2400). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. 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 ClearView Wealth Limited
How large is the market capitalisation of ClearView Wealth Limited (CVWLF)?
The market capitalisation of ClearView Wealth Limited is $266M. 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 Limited (CVWLF)?
The price-to-sales ratio of ClearView Wealth Limited is 0.85 (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 Limited (CVWLF)?
Earnings per share at ClearView Wealth Limited are $0.0100 (price ÷ EPS = P/E 41.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of ClearView Wealth Limited (CVWLF)?
The dividend yield of ClearView Wealth Limited is 3.0% (payout 127%). 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 Limited (CVWLF)?
The net margin of ClearView Wealth Limited is 2.0% (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 Limited (CVWLF)?
The return on equity (ROE) of ClearView Wealth Limited is 1.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of ClearView Wealth Limited (CVWLF)?
The return on assets (ROA) of ClearView Wealth Limited is 0.7% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of ClearView Wealth Limited (CVWLF)?
The operating margin of ClearView Wealth Limited 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 Limited (CVWLF)?
Revenue at ClearView Wealth Limited is growing +24.6% versus a year earlier (3y avg +56.7%). 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 ClearView Wealth Limited (CVWLF)?
Earnings per share at ClearView Wealth Limited 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 Limited (CVWLF) generate?
The free cash flow of ClearView Wealth Limited 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.
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Thin data
Sep 24, 2026