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EMV Capital plc (EMVC) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of EMV Capital plc stock £0.35, price £0.43, that is 18.6% below the price, quality 50 out of 100. Rating: overvalued. Calculated from audited financials with 2 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services GB

EC EMV Capital plc logo Thin data Nov 3, 2026

EMV Capital plc

EMVC · LSE
Solid, but expensive

Our calculation puts a fair price 19% below what the stock costs today.

Low debt
Revenue last quarter +22% vs. a year ago.
Quality 50/100
Expensive Growth (revenue 5y +48.7 %/yr in GBP)
Mixed vs. peers (4/9)
Fair value £0.3500 · Overvalued
Loss-making · -0.7% net margin (FY2025)
Negative free cash flow
Narrow moat 43/100 · thin data
Thin data
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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

£1.34 £0.3650 Fair Value £0.3500 Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.

How to read this chart

60‑month range £0.3650 – £1.34 · fair‑value band £0.1600 – £0.7300 · the £0.4300 price screens above the £0.3500 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.

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Company profile

EMV Capital plc is a venture capital firm specializing in seed, growth capital, early and mid stage investments.

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The firm focuses to invest in sustainability, life science, technology, transformative biomedical, deep tech, semiconductors, industrials, robotics, AI and healthcare technologies focusing on digital health, diagnostics, and therapeutics sectors.

It also prefers to invest in companies that significantly improve the health and well-being of people with chronic diseases. Within digital health it focuses on data analytics, wearable technologies, and devices.

The firm seeks to invest in companies based in European developed markets, United Kingdom and in the United States. It typically invests up to £15 million ($20.32 million), but may consider larger amounts. It prefers to hold a controlling interest in all principal subsidiaries.

The firm prefers to invest through its balance sheet investments. EMV Capital plc was founded on 12 April 2012 and is based in London, United Kingdom with additional office in London, United Kingdom.

Stock analysis

EMV Capital plc (EMVC) currently trades at £0.4300, while our model-based Fair Value estimate is £0.3500, 19% below the price, so the stock looks overvalued today.

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Valuation

How firm this estimate is: it rests on 2 models at a data quality of 84/100, which puts the data coverage at low.

Scenario range: £0.1600 (bear) to £0.7300 (bull), the price of £0.4300 sits inside 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 50/100 (solid quality), in the Financial Services sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

EMV Capital plc reported revenue of £2.9M in FY2025 versus £1.1M in FY2021, a compound +26.8%/yr. Reported net income was −£21.0K in FY2025.

Key figures

Market cap £12.0M Micro · P/S ratio 3.79 · EPS (TTM) £0.6900 · Net margin −0.7% · Return on equity 79.1% · Return on assets (EBIT) −13.2% (5-year average) · Operating margin −557% · Revenue (TTM) £3.1M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 43 out of 100 (low confidence).

What moves the price

The share trades about 29% below its 52-week high and 5% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −16% fair-value upside, at −19%, EMVC screens richer than that median.

Fair Value models

Bear £0.1600 Fair Value £0.3500 Bull £0.7300
Price £0.4300 · Downside -18.6%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (£0.5917 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. Coverage ⓘCoverage = 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.
Best data coverage
Owner Earnings £0.1600 £0.3500 £0.7300 69
NCAV (Graham) £0.2400 £0.3200 £0.4800 54
All 2 models by family
DCF Models
Owner Earnings £0.1600 £0.3500 £0.7300 69
Asset-Based
NCAV (Graham) £0.2400 £0.3200 £0.4800 54

Open the full fair value analysis →

Quality Score breakdown

Overall quality 50/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 13
How much profit the company makes from its sales and capital
Quality Growth 67
Are margins and returns getting better?
Cashflow 33
Do the profits arrive as real cash?
Financial strength 67
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 82
How calm the share price moves, does not count
Price momentum 30
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 19
Distance to the 52-week high, does not count
New shares 47
Buys back shares or issues new ones?

Open the full quality analysis →

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
+17.0%
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.
+41.9%
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.
+48.7%
Start year 2020 (pandemic). Over 10 years: +63.5% a year
Revenue growth 10 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.
+63.5%
Profit margin (trend) ⓘ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.
−625.1% (2020) → −65.5% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

EMVC screens overvalued: fair value 19% below the price. Compare with Blackstone Inc →

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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.Asset Management · 587 stocks

Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 50 · Below median
Fair Value upside −18.6% · Below median
Profitability
Return on equity (12 months) 79.1% · Top 25%
Return on assets −0.1% · Bottom 25%
Net margin (12 months) −0.7% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 22.1% · Above median
Balance sheet
Debt / equity 0.00× · Below median

Valuation Multiplesvs Asset Management median · lower = cheaper

P/B 0.79× · Cheaper than median
P/S (12 months) 3.88× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)9 · sector 60
FUTURE (revenue growth)100 · sector 38
PAST (return on equity)100 · sector 29
HEALTH (low debt)100 · sector 96
DIVIDEND (yield)0 · sector 80

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 Asset Management stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Exor N.V EXO €73.35 €139.37 +90% vs EMVC
Raymond James Financial, Inc RJF $162.81 $281.42 +73% vs EMVC
Apollo Global Management, Inc APO $116.75 $197.52 +69% vs EMVC
Ameriprise Financial, Inc AMP $501.49 $609.56 +22% vs EMVC
State Street Corporation STT $165.56 $139.37 −16% vs EMVC
Ares Management Corporation ARES $133.98 $99.35 −26% vs EMVC
Northern Trust Corporation NTRS $172.76 $123.42 −29% vs EMVC
Brookfield Asset Management Ltd BAM $52.95 $31.26 −41% vs EMVC
Blackstone Inc BX $119.50 $52.29 −56% vs EMVC
KKR & Co KKR $96.48 $27.32 −72% vs EMVC

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EMV Capital plc: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "EMV Capital plc Fair Value". https://www.fairvalue-calculator.com/stock/EMVC

Frequently asked questions

Is EMV Capital plc (EMVC) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of £0.3500 versus a price of £0.4300, about 19% lower (overvalued).
What is the fair value of EMVC?
Our model-based fair value for EMV Capital plc is £0.3500 (as of Nov 3, 2026), built from audited fundamentals. The current price: £0.4300.
What is the quality score of EMVC?
EMV Capital plc has a Quality Score of 50/100. 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 EMV Capital plc (EMVC)?
Our model-based price target is the fair value of £0.3500 (as of Nov 3, 2026) from 2 valuation models. Cautious scenario £0.1600, optimistic scenario £0.7300. It is a calculation from audited fundamentals, not an analyst target.
What is the EMV Capital plc stock forecast for 2026?
Our models put fair value at £0.3500, about 19% lower versus a price of £0.4300 (overvalued). Cautious scenario £0.1600, optimistic scenario £0.7300. The calculation is refreshed regularly with new filings.
What is the revenue of EMV Capital plc (EMVC)?
EMV Capital plc reported trailing-twelve-month revenue of about £3.1M (latest available figure, as of Nov 3, 2026).
What is the intrinsic value of EMV Capital plc (EMVC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For EMV Capital plc it is £0.3500 per share (as of Nov 3, 2026), against a price of £0.4300. It is the blended result of 2 valuation models in 2 families (DCF Models, Asset-Based).
Is EMV Capital plc stock overvalued or undervalued in 2026?
As of Nov 3, 2026, EMVC trades above its calculated fair value: price £0.4300, fair value £0.3500, a gap of about −19% (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 EMVC?
No. The price is what the market pays today (£0.4300); the fair value is what the company's own numbers justify (£0.3500). For EMV Capital plc the two are £0.0800 per share apart. That gap is exactly why we show both numbers side by side.
How much is EMV Capital plc worth?
The market values EMV Capital plc at about £12.0M (market capitalisation, as of Nov 3, 2026). Per share that is £0.4300; our models calculate a fair value of £0.3500 per share.
What do the bullish and bearish scenarios say about EMVC?
Our models span a range for EMV Capital plc: cautious scenario £0.1600, base £0.3500, optimistic £0.7300 per share (as of Nov 3, 2026, price £0.4300). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of EMV Capital plc (EMVC)?
Balance-sheet figures for EMV Capital plc (as of Nov 3, 2026): return on equity 79.1%, debt of 0.00 per unit of equity. They feed the Quality Score of 50/100, which measures business quality independently of the share price.
How far is EMVC from its 52-week high?
EMV Capital plc trades at £0.4300, about 29% below its 52-week high of £0.6050 and 5% above the low of £0.4100 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of £0.3500 is for.
Which stocks are comparable to EMV Capital plc?
From the same area (Financial Services) we also value Blackstone Inc, Brookfield Asset Management Ltd, KKR & Co, Apollo Global Management, Inc, 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 EMV Capital plc stock attractive at the current price?
The data as of Nov 3, 2026: price £0.4300, calculated fair value £0.3500 (−19%), Quality Score 50/100, from 2 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 EMVC calculated?
We run EMV Capital plc through 2 models from 2 families: DCF Models, Asset-Based. Every model gets the same audited fundamentals; the fair value of £0.3500 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. EMV Capital plc 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 EMV Capital plc (EMVC)?
The closing price on Nov 9, 2026 was £0.4300. Our model-based fair value is £0.3500, about 19% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with EMV Capital plc right now?
The model range is unusually wide (£0.1600 to £0.7300). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid but not exceptional quality (50/100) and above fair value, neither a clear bargain nor a standout compounder. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 EMV Capital plc

How large is the market capitalisation of EMV Capital plc (EMVC)?
The market capitalisation of EMV Capital plc is £12.0M. 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 EMV Capital plc (EMVC)?
The price-to-sales ratio of EMV Capital plc is 3.79 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of EMV Capital plc (EMVC)?
Earnings per share at EMV Capital plc are £0.6900. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of EMV Capital plc (EMVC)?
The net margin of EMV Capital plc is −0.7% (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 EMV Capital plc (EMVC)?
The return on equity (ROE) of EMV Capital plc is 79.1% (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 EMV Capital plc (EMVC)?
On an EBIT basis the return on assets of EMV Capital plc is −13.2% (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 EMV Capital plc (EMVC)?
The operating margin of EMV Capital plc is −557% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at EMV Capital plc (EMVC)?
Revenue at EMV Capital plc is growing +22.1% versus a year earlier (3y avg +41.9%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does EMV Capital plc (EMVC) generate?
The free cash flow of EMV Capital plc is −£1.3M (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 EMV Capital plc (EMVC) carry?
The net debt of EMV Capital plc is £2.1M (fiscal year 2025). 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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