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GB Group (GBGPF) fair value: what the stock is really worth
As of Sep 29, 2026: fair value of GB Group $4.24, price $1.93, upside +119.7%, quality 60 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
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Some data
Sep 24, 2026
Some data
Sep 24, 2026
GB Group
GBGPF · USClearly undervaluedStrong Fair Value upside, but quality is only moderate.
✓Fair value $4.24 · Strongly undervalued (+119.7%)
✓Quality 60/100
!Mixed Growth (revenue 5y +5.5 %/yr)
!Loss-making · -26.3% net margin (TTM)
✓Low debt · generates free cash flow
✓2.3% dividend yield · Cash covered
!Narrow moat 22/100
!Evidence only medium, so the estimate is less certain
!The models disagree: range $2.19 to $7.63
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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
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 $1.93 – $12.08 · fair‑value band $2.19 – $7.63 · the $1.93 price screens below the $4.24 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
GB Group plc, together with its subsidiaries, provides identity data intelligence products and services in the United Kingdom, the United States, Australia, and internationally. The company operates in three segments: Location, Identity, and Fraud.
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GB Group plc, together with its subsidiaries, provides identity data intelligence products and services in the United Kingdom, the United States, Australia, and internationally. The company operates in three segments: Location, Identity, and Fraud. It offers Instinct, a fraud risk management platform; ID3global, identity verification solution; mobile intelligence; and Investigate, search subject analysis solution. The company also provides biometric authentication solution; document identity proofing solution; and synthetic identity fraud solution. It serves banking, retail, government, financial services and fintech, lending, gaming and wagering, events, crypto and FX, pensions, public sector, and insurance industries. The company was formerly known as Telme Group plc and changed its name to GB Group plc in February 2002. GB Group plc was incorporated in 1989 and is based in Chester, the United Kingdom.
Stock analysis
GB Group (GBGPF) currently trades at $1.93, while our model-based Fair Value estimate is $4.24, implying the stock looks roughly 54.5% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of $3.85 per share, and 6 of the 9 models we run sit above the $1.93 price.
Bear case: the Dividend Discount group reads lowest at $0.8000, and 3 of the 9 models stay below the price. Evidence for this calculation is medium.
Scenario range: $2.19 (bear) to $7.63 (bull), the price of $1.93 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 60/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
GB Group reported revenue of £285M in FY2026 versus £242M in FY2022, a compound +4.1%/yr. Reported net income was −£75.1M in FY2026.
Key figures
Market cap $603M · P/E ratio 38.6 · P/S ratio 2.11 · EPS (TTM) $0.0500 · Dividend yield 2.3% · Net margin −26.3% · Return on equity −13.8% · Return on assets (EBIT) −4.3%.
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 37% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at 120%, GBGPF screens cheaper than that median.
Fair Value models
Bear $2.19
Fair Value $4.24
Bull $7.63
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 2026 figures (about 6 months old). Earnings retained since then ($0.0031 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.
Highest evidence
Growth DCF
$2.38
$4.72
$7.99
76
FCF DCF
$2.49
$4.50
$9.17
75
5Y Revenue Exit
$1.89
$3.78
$6.44
70
All 9 models by family
DCF Models
FCF DCF
$2.49
$4.50
$9.17
75
5Y Revenue Exit
$1.89
$3.78
$6.44
70
10Y Revenue Exit
$2.01
$3.85
$6.90
64
Dividend Discount
Gordon GGM
$0.4900
$0.8800
$1.21
68
DDM Multi-Stage
$0.4900
$0.8000
$0.9400
67
Multiples
EV/Revenue
$1.56
$2.43
$3.29
53
Asset-Based
NCAV (Graham)
$1.37
$1.83
$2.74
54
Growth DCF
Growth DCF
$2.38
$4.72
$7.99
76
Rev-Margin DCF
$1.89
$3.72
$6.29
70
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Set up alert →Quality Score breakdown
Overall quality
60/100
Of which business quality 60 · Market factors (momentum, volatility) 28
Profitability
15
Margins and returns on capital today
Quality Growth
28
Are margins and returns improving?
Cashflow
72
Earnings quality: real cash, not paper profit
Fin. Strength
68
Balance sheet, leverage, solvency risk
Investment
100
Disciplined investing over empire-building
Low Volatility
81
Calm price path (market factor)
Momentum
9
Price trend over the last 3–12 months (market factor)
52W Momentum
0
Distance to the 52-week high (market factor)
Net Issuance
97
Share count: buybacks or dilution?
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.
47/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+0.8%
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.
+0.7%
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.
+5.5%
Start year 2021 (pandemic). Over 10 years: +14.5% a year
Revenue growth 35 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.
+24.9%
’15
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
’26
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.
16.3% (2021) → −23.9% (2026)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2026 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
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).
−0.6%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+5.4%
Yearly sales growth analysts expect, extended to five years.
After inflation (figures in GBP, UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about −2.8% a year for the price and +3.0% for the forecasts.
Forecast 2027 (sales)+5.3%
Forecast 2028 (sales)+6.1%
Projected 2029 (sales)+5.6%
Projected 2030 (sales)+5.1%
Projected 2031 (sales)+4.6%
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Compare GB Group with another stock
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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.Software - Application · 685 stocks
Beats the industry median on 8/13 measures
Overall it ranks above its industry peers.
Valuation Multiplesvs Software - Application median · lower = cheaper
Context: sector, industry, market
- Is the Information Technology sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: US Stocks
- Valuation of the USA 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 Software - Application stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAP | €186.74 | €172.46 | −8% |
| Salesforce, Inc CRM | $229.57 | $342.73 | +49% |
| Shopify Inc SHOP | $144.01 | $64.36 | −55% |
| ServiceNow, Inc NOW | $134.01 | $147.41 | +10% |
| Uber Technologies, Inc UBER | $69.36 | $103.69 | +49% |
| Snowflake Inc SNOW | $330.31 | $74.36 | −77% |
| Automatic Data Processing, Inc ADP | $261.80 | $150.01 | −43% |
| Adobe Inc ADBE | $239.94 | $454.04 | +89% |
| Datadog, Inc DDOG | $268.70 | $32.52 | −88% |
| Cadence Design Systems, Inc CDNS | $326.70 | $225.48 | −31% |
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Frequently asked questions
Is GB Group (GBGPF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $4.24 versus a price of $1.93, about +120% upside (undervalued).
What is the fair value of GBGPF?
Our model-based fair value for GB Group is $4.24 (as of Sep 24, 2026), built from audited fundamentals. The current price: $1.93.
What is the quality score of GBGPF?
GB Group has a Quality Score of 60/100. 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 GB Group (GBGPF)?
Our model-based price target is the fair value of $4.24 (as of Sep 24, 2026) from 9 valuation models. Cautious scenario $2.19, optimistic scenario $7.63. It is a calculation from audited fundamentals, not an analyst target.
What is the GB Group stock forecast for 2026?
Our models put fair value at $4.24, about +120% upside versus a price of $1.93 (undervalued). Cautious scenario $2.19, optimistic scenario $7.63. The calculation is refreshed regularly with new filings.
What is the revenue of GB Group (GBGPF)?
GB Group reported trailing-twelve-month revenue of about £285M (latest available figure, as of Sep 24, 2026).
Does GB Group pay a dividend?
GB Group currently shows a dividend yield of about 2.28% relative to its recent price (as of Sep 24, 2026).
What growth is priced into GB Group (GBGPF)?
For today's price to be fair in a discounted-cash-flow model, GB Group would have to grow free cash flow by -0.6 % per year for five years (discount rate 9.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +5.5 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of GBGPF use?
Our models discount GB Group at 9.8 %: a base by market capitalisation (small), damped by beta 0.02, country premium for USA. 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 GB Group that is -0.6 % per year a year over ten years, using the same discount rate (9.8 %) and the same formula as our fair value.
How much growth has GB Group (GBGPF) delivered so far?
Over the past 5 years revenue at GB Group grew +5.5 % a year. The price currently implies -0.6 % 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 GB Group (GBGPF) growing?
The median revenue growth in the sector is +10.1 % a year. That is the yardstick for the growth priced into GB Group (-0.6 % 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 GB Group (GBGPF)?
The free-cash-flow yield on the price is 10.79 %: that much free cash flow GB Group produces per unit of market value. When it exceeds the discount rate of our models (9.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of GB Group (GBGPF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For GB Group it is $4.24 per share (as of Sep 24, 2026), against a price of $1.93. It is the blended result of 9 valuation models (cash flow, earnings, asset, dividend).
Is GB Group stock overvalued or undervalued in 2026?
As of Sep 24, 2026, GBGPF trades below its calculated fair value: price $1.93, fair value $4.24, a gap of about +120% (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 GBGPF?
No. The price is what the market pays today ($1.93); the fair value is what the company's own numbers justify ($4.24). For GB Group the two are $2.31 per share apart. That gap is exactly why we show both numbers side by side.
How much is GB Group worth?
The market values GB Group at about $603M (market capitalisation, as of Sep 24, 2026). Per share that is $1.93; our models calculate a fair value of $4.24 per share.
What do the bullish and bearish scenarios say about GBGPF?
Our models span a range for GB Group: cautious scenario $2.19, base $4.24, optimistic $7.63 per share (as of Sep 24, 2026, price $1.93). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of GBGPF?
GB Group trades at a price-to-earnings ratio of 38.6 (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 $4.24 is built from several models across several years. Other multiples: P/B 1.3, P/S 2.1, EV/EBITDA 10.7.
How solid is the balance sheet of GB Group (GBGPF)?
Balance-sheet figures for GB Group (as of Sep 24, 2026): return on equity −13.8%, debt of 0.23 per unit of equity. They feed the Quality Score of 60/100, which measures business quality independently of the share price.
How far is GBGPF from its 52-week high?
GB Group trades at $1.93, about 37% below its 52-week high of $3.05 and at the low of $1.93 (as of Sep 29, 2026). Distance from the high says nothing about value: that is what the fair value of $4.24 is for.
Which stocks are comparable to GB Group?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, 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 GB Group stock attractive at the current price?
The data as of Sep 24, 2026: price $1.93, calculated fair value $4.24 (+120%), Quality Score 60/100, from 9 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 GBGPF calculated?
We run GB Group through 9 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 $4.24, 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. GB Group currently trades 54 % 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 GB Group (GBGPF)?
The closing price on Sep 29, 2026 was $1.93. Our model-based fair value is $4.24, about +120% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with GB Group right now?
The price is below even our cautious bear case ($2.19). The market is more pessimistic than our downside scenario. The model range is unusually wide ($2.19 to $7.63). The outcome hinges heavily on assumptions, so read the point estimate with caution. Solid quality (60/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of GB Group
How large is the market capitalisation of GB Group (GBGPF)?
The market capitalisation of GB Group is $603M. 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 GB Group (GBGPF)?
The price-to-sales ratio of GB Group is 2.11 (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 GB Group (GBGPF)?
Earnings per share at GB Group are $0.0500 (price ÷ EPS = P/E 38.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of GB Group (GBGPF)?
The dividend yield of GB Group is 2.3% (payout 88.0%). 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 GB Group (GBGPF)?
The net margin of GB Group is −26.3% (fiscal year 2026). 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 GB Group (GBGPF)?
The return on equity (ROE) of GB Group is −13.8% (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 GB Group (GBGPF)?
On an EBIT basis the return on assets of GB Group is −4.3% (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 GB Group (GBGPF)?
The operating margin of GB Group is 13.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at GB Group (GBGPF)?
Revenue at GB Group is growing +2.5% versus a year earlier (3y avg +0.7%). 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 GB Group (GBGPF)?
Earnings per share at GB Group are growing +32.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does GB Group (GBGPF) carry?
The net debt of GB Group is £82.2M (fiscal year 2026, ≈ 2.1 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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