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FIH Group PLC (FIH) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of FIH Group PLC £2.59, price £1.53, upside +69.3%, quality 42 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
  3. Add to watchlist

Industrials · GB · ISIN GB00BD0CWJ91

FG Some data Sep 23, 2026

FIH Group PLC

FIH · LSE

Cheap, value-trap riskThe stock looks deeply undervalued, but low quality raises value-trap risk.

✓Fair value £2.59 · Strongly undervalued (+69%)
!Quality 42/100
!Weak Growth (revenue 5y −1.7 %/yr)
!Loss-making · -6.4% net margin (TTM)
✓Low debt · generates free cash flow
·4.44% dividend yield
!Trails peers (5/13)
!Narrow moat 12/100
!Insider activity 40/100
!Evidence only medium, so the estimate is less certain
!Weak on future: 22 out of 100
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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

£2.90 £1.08 Fair Value £2.59 Jul 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 23, 2026.

How to read this chart

60‑month range £1.08 – £2.90 · fair‑value band £1.38 – £3.71 · the £1.53 price screens below the £2.59 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 2 fiscal years are left out: there the valuation rested on only a fraction of the usual models. Dashed = 300-day average. As of Sep 23, 2026.

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Company profile

FIH group plc, through its subsidiaries, provides retailing, property, automotive, insurance, tourism shipping, and fishing agency services in the Falkland Islands and the United Kingdom. It is involved in the retail of food, clothing, electrical goods, home furnishings, gifts, and DIY through retail outlets.

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FIH group plc, through its subsidiaries, provides retailing, property, automotive, insurance, tourism shipping, and fishing agency services in the Falkland Islands and the United Kingdom. It is involved in the retail of food, clothing, electrical goods, home furnishings, gifts, and DIY through retail outlets. The company also provides travel services, including flight bookings, airport transfers, and luxury coach and walking tours for tourists; insurance services; agency services for cruise ships and fishing vessels; and freight and shipping services to and from the Islands. In addition, it sells and hires 4x4 vehicles; and constructs residential, office, and industrial accommodations, as well as owns and leases residential properties to individuals and business users, such as oil services companies, ministry of defense contractors, and fishing companies. Further, the company operates passenger ferry services across Portsmouth harbor through 3 vessels. Additionally, it provides international arts logistics and range of services, including transport, storage, and installation services. The company was formerly known as Falkland Islands Holdings plc and changed its name to FIH group plc in September 2016. FIH group plc was incorporated in 1851 and is based in Bishop's Stortford, the United Kingdom.

Stock analysis

FIH Group PLC (FIH) currently trades at £1.53, while our model-based Fair Value estimate is £2.59, implying the stock looks roughly 40.9% undervalued today.

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Valuation

Bull case: the Growth DCF group reads highest at a median of £2.86 per share, and 5 of the 5 models we run sit above the £1.53 price.

Bear case: the Asset-Based group reads lowest at £2.03, and 0 of the 5 models stay below the price. Evidence for this calculation is medium.

Scenario range: £1.38 (bear) to £3.71 (bull), the price of £1.53 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 42/100 (below-average quality), in the Industrials sector.

Weak Growth: Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.

FIH Group PLC reported revenue of £40.9M in FY2025 versus £32.6M in FY2021, a compound +5.8%/yr. Reported net income was −£5.1M in FY2025.

Key figures

Market cap 19.2M GBX · P/S ratio 0.47 · EPS (TTM) £−0.2100 · Dividend yield 4.4% · Net margin −12.6% · Return on equity −6.9% · Return on assets (EBIT) 1.3% · Operating margin −5.3%.

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 47% below its 52-week high and 42% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Industrials peers we cover trades at 16% fair-value upside, at 69%, FIH screens cheaper than that median.

Fair Value models

Bear £1.38 Fair Value £2.59 Bull £3.71
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. 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.
Highest evidence
Growth DCF £2.42 £3.48 £4.90 79
Rev-Margin DCF £1.84 £2.86 £3.99 72
Gordon GGM £1.47 £2.93 £4.44 67
All 5 models by family
Dividend Discount
Gordon GGM £1.47 £2.93 £4.44 67
DDM Multi-Stage £1.47 £2.24 £3.03 66
Asset-Based
NCAV (Graham) £1.51 £2.03 £3.03 54
Growth DCF
Growth DCF £2.42 £3.48 £4.90 79
Rev-Margin DCF £1.84 £2.86 £3.99 72

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Quality Score breakdown

Overall quality 42/100

Of which business quality 44 · Market factors (momentum, volatility) 27

Profitability 14
Margins and returns on capital today
Quality Growth 2
Are margins and returns improving?
Cashflow 42
Earnings quality: real cash, not paper profit
Fin. Strength 50
Balance sheet, leverage, solvency risk
Investment 97
Disciplined investing over empire-building
Low Volatility 56
Calm price path (market factor)
Momentum 16
Price trend over the last 3–12 months (market factor)
52W Momentum 13
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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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. 19/100
Growth has flattened: the last year, three and five years all grew more slowly than the long-term average.
Revenue growth 1 year
−22.1%
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.
+0.4%
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.
−1.7%
Start year 2020 (pandemic). Over 10 years: +0.6% a year
Revenue growth 27 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.
+11.0%
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.
−6.5% (2020) → −14.0% (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

Growth Forecast

Price in line with expectations
The price assumes about as much growth as the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
−3.8%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about −6.0% a year for the price.

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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.Conglomerates · 378 stocks

Beats the industry median on 5/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 42 · Below median
Fair Value upside +71% · Top 25%
Profitability
Return on assets −1% · Bottom 25%
Net margin (TTM) −6% · Bottom 25%
Operating margin (TTM) −5% · Bottom 25%
Growth and dividend
Revenue growth 4% · Above median
Dividend yield (TTM) 4.4% · Top 25%
Balance sheet
Debt / equity 0.28× · Above median

Valuation Multiplesvs Conglomerates median · lower = cheaper

P/B 0.66× · Cheaper than median
P/S (TTM) 0.60× · Cheaper than median
P/FCF 9.9× · Priciest 25%
EV/EBITDA 22.2× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 33
FUTURE (revenue growth)22 · sector 16
PAST (return on equity)0 · sector 19
HEALTH (low debt)86 · sector 89
DIVIDEND (yield)89 · sector 40

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

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Honeywell International Inc HON $212.57 $243.57 +15%
CITIC Limited 0267 HK$13.08 HK$26.16 +100%
Poste Italiane S.p.A PST €25.71 €9.10 −65%
Swire Pacific Limited 0019 HK$102.80 HK$28.34 −72%
CK Hutchison Holdings 0001 HK$67.60 HK$135.20 +100%
SK Inc 034730 611,000 KRW 351,594 KRW −42%
Jardine Matheson Holdings J36 $57.30 $79.11 +38%
Kingboard Holdings 0148 HK$55.55 HK$85.25 +53%
SGH Limited SGH A$36.69 A$42.47 +16%

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£2.59 +41%Fair Value
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Cite: Fair Value Calculator (2026). "FIH Group PLC Fair Value". https://www.fairvalue-calculator.com/stock/FIH

Frequently asked questions

Is FIH Group PLC (FIH) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of £2.59 versus a price of £1.53, about +69% upside (undervalued).
What is the fair value of FIH?
Our model-based fair value for FIH Group PLC is £2.59 (as of Sep 23, 2026), built from audited fundamentals. The current price: £1.53.
What is the quality score of FIH?
FIH Group PLC has a Quality Score of 42/100. 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 FIH Group PLC (FIH)?
Our model-based price target is the fair value of £2.59 (as of Sep 23, 2026) from 5 valuation models. Cautious scenario £1.38, optimistic scenario £3.71. It is a calculation from audited fundamentals, not an analyst target.
What is the FIH Group PLC stock forecast for 2026?
Our models put fair value at £2.59, about +69% upside versus a price of £1.53 (undervalued). Cautious scenario £1.38, optimistic scenario £3.71. The calculation is refreshed regularly with new filings.
What is the revenue of FIH Group PLC (FIH)?
FIH Group PLC reported trailing-twelve-month revenue of about £41.6M (latest available figure, as of Sep 23, 2026).
Does FIH Group PLC pay a dividend?
FIH Group PLC currently shows a dividend yield of about 4.44% relative to its recent price (as of Sep 23, 2026).
What growth is priced into FIH Group PLC (FIH)?
For today's price to be fair in a discounted-cash-flow model, FIH Group PLC would have to grow free cash flow by -3.8 % per year for five years (discount rate 10.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -1.7 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of FIH use?
Our models discount FIH Group PLC at 10.3 %: a base by market capitalisation (nano), country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For FIH Group PLC that is -3.8 % per year a year over ten years, using the same discount rate (10.3 %) and the same formula as our fair value.
How much growth has FIH Group PLC (FIH) delivered so far?
Over the past 5 years revenue at FIH Group PLC grew -1.7 % a year. The price currently implies -3.8 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of FIH Group PLC (FIH) growing?
The median revenue growth in the sector is +4.6 % a year. That is the yardstick for the growth priced into FIH Group PLC (-3.8 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of FIH Group PLC (FIH)?
The free-cash-flow yield on the price is 13.29 %: that much free cash flow FIH Group PLC produces per unit of market value. When it exceeds the discount rate of our models (10.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of FIH Group PLC (FIH)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For FIH Group PLC it is £2.59 per share (as of Sep 23, 2026), against a price of £1.53. It is the blended result of 5 valuation models (cash flow, earnings, asset, dividend).
Is FIH Group PLC stock overvalued or undervalued in 2026?
As of Sep 23, 2026, FIH trades below its calculated fair value: price £1.53, fair value £2.59, a gap of about +69% (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 FIH?
No. The price is what the market pays today (£1.53); the fair value is what the company's own numbers justify (£2.59). For FIH Group PLC the two are £1.06 per share apart. That gap is exactly why we show both numbers side by side.
How much is FIH Group PLC worth?
The market values FIH Group PLC at about 19.2M GBX (market capitalisation, as of Sep 23, 2026). Per share that is £1.53; our models calculate a fair value of £2.59 per share.
What do the bullish and bearish scenarios say about FIH?
Our models span a range for FIH Group PLC: cautious scenario £1.38, base £2.59, optimistic £3.71 per share (as of Sep 23, 2026, price £1.53). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of FIH Group PLC (FIH)?
Balance-sheet figures for FIH Group PLC (as of Sep 23, 2026): return on equity −6.9%, debt of 0.28 per unit of equity. They feed the Quality Score of 42/100, which measures business quality independently of the share price.
How far is FIH from its 52-week high?
FIH Group PLC trades at £1.53, about 47% below its 52-week high of £2.90 and 42% above the low of £1.08 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of £2.59 is for.
Which stocks are comparable to FIH Group PLC?
From the same area (Industrials) we also value 3M Company, Honeywell International Inc, CITIC Limited, Poste Italiane S.p.A, 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 FIH Group PLC stock attractive at the current price?
The data as of Sep 23, 2026: price £1.53, calculated fair value £2.59 (+69%), Quality Score 42/100, from 5 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 FIH calculated?
We run FIH Group PLC through 5 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 £2.59, 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 13.0 % above its aggregate fair value. FIH Group PLC currently trades 69 % 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 FIH Group PLC (FIH)?
The closing price on Sep 24, 2026 was £1.53. Our model-based fair value is £2.59, about +69% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with FIH Group PLC right now?
The large discount to fair value meets weak quality (42/100). That raises the risk this is a value trap rather than a bargain. The model range is unusually wide (£1.38 to £3.71). The outcome hinges heavily on assumptions, so read the point estimate with caution.
Where does the earnings growth of FIH Group PLC (FIH) come from?
Earnings per share at FIH Group PLC grew −0.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +3.6 %, EBIT margin −2.8 %, tax rate −0.7 %, residual (interest, one-offs) −0.6 %. 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 FIH Group PLC

How large is the market capitalisation of FIH Group PLC (FIH)?
The market capitalisation of FIH Group PLC is 19.2M GBX. 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 FIH Group PLC (FIH)?
The price-to-sales ratio of FIH Group PLC is 0.47 (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 FIH Group PLC (FIH)?
Earnings per share at FIH Group PLC are £−0.2100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of FIH Group PLC (FIH)?
The dividend yield of FIH Group PLC is 4.4%. 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 FIH Group PLC (FIH)?
The net margin of FIH Group PLC is −12.6% (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 FIH Group PLC (FIH)?
The return on equity (ROE) of FIH Group PLC is −6.9% (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 FIH Group PLC (FIH)?
On an EBIT basis the return on assets of FIH Group PLC is 1.3% (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 FIH Group PLC (FIH)?
The operating margin of FIH Group PLC is −5.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at FIH Group PLC (FIH)?
Revenue at FIH Group PLC is growing +4.4% versus a year earlier (3y avg +0.4%). 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 FIH Group PLC (FIH)?
Earnings per share at FIH Group PLC are growing −2.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does FIH Group PLC (FIH) carry?
The net debt of FIH Group PLC is 9.2M GBX (fiscal year 2025, ≈ 3.6 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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