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Hansard Global plc (HNRDF) fair value: what the stock is really worth
As of Sep 25, 2026: fair value of Hansard Global plc $0.23, price $0.75, upside -69.3%, quality 58 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Thin data
Sep 24, 2026
Thin data
Sep 24, 2026
Hansard Global plc
HNRDF · USStretched ValuationStrong overvaluation with only moderate quality.
!Fair value $0.2300 · Strongly overvalued (−69.3%)
!Quality 58/100
!Weak Growth (revenue 5y −0.5 %/yr)
!Thin margins · 2.2% net margin (TTM)
✓generates free cash flow
✓6.0% dividend yield · Sustainable
!Narrow moat 41/100
!Evidence only low, so the estimate is less certain
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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. As of Sep 24, 2026.
How to read this chart
60‑month range $0.2623 – $0.7500 · fair‑value band $0.1700 – $0.2900 · the $0.7500 price screens above the $0.2300 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Sep 24, 2026.
Company profile
Hansard Global plc engages in the distribution and servicing of long-term investment products in the Isle of Man, the Bahamas, the Republic of Ireland, Malaysia, Japan, and the United Arab Emirates. Its key products include Ascend and Future Focus, which are regular and flexible premium products, as well as Global Select, a single premium product.
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Hansard Global plc engages in the distribution and servicing of long-term investment products in the Isle of Man, the Bahamas, the Republic of Ireland, Malaysia, Japan, and the United Arab Emirates. Its key products include Ascend and Future Focus, which are regular and flexible premium products, as well as Global Select, a single premium product. The company also provides unit-linked regular or single premium life assurance and investment contracts; administration services; and marketing and development services. In addition, it offers Hansard OnLine, a platform that provides real-time access to policy information, transaction tools, and fund performance data for independent financial advisors (IFAs). The company distributes its products through IFAs and retail operations of financial institutions. It serves investors, institutions, and wealth-management groups. Hansard Global plc was founded in 1970 and is headquartered in Douglas, the Isle of Man.
Stock analysis
Hansard Global plc (HNRDF) currently trades at $0.7500, while our model-based Fair Value estimate is $0.2300, 69.3% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of $0.6500 per share, and 0 of the 6 models we run sit above the $0.7500 price.
Bear case: the Asset-Based group reads lowest at $0.1100, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: $0.1700 (bear) to $0.2900 (bull), the price of $0.7500 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 58/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Hansard Global plc reported revenue of £48.2M in FY2025 versus £214M in FY2021, a compound −31.1%/yr. Reported net income was £1.8M in FY2025, compounding −22.1%/yr from FY2021.
Key figures
Market cap $103M · P/E ratio 18.8 · P/S ratio 0.70 · EPS (TTM) $0.0400 · Dividend yield 6.0% · Net margin 3.7% · Return on equity 24.2% · Return on assets (EBIT) 2.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 44 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 41% 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 −69%, HNRDF screens richer than that median.
Fair Value models
Bear $0.1700
Fair Value $0.2300
Bull $0.2900
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. 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
Residual Income
$0.1300
$0.1400
$0.1600
76
Gordon GGM
$0.4100
$0.6900
$0.9000
68
DDM Multi-Stage
$0.4100
$0.6500
$0.7400
67
All 6 models by family
Dividend Discount
Gordon GGM
$0.4100
$0.6900
$0.9000
68
DDM Multi-Stage
$0.4100
$0.6500
$0.7400
67
Multiples
P/E Multiple
$0.1700
$0.2300
$0.2800
63
P/B Multiple
$0.1700
$0.2200
$0.2800
55
Asset-Based
NCAV (Graham)
$0.0800
$0.1100
$0.1600
51
Economic Profit
Residual Income
$0.1300
$0.1400
$0.1600
76
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Set up alert →Quality Score breakdown
Overall quality
58/100
Of which business quality 53 · Market factors (momentum, volatility) 74
Profitability
19
Margins and returns on capital today
Quality Growth
29
Are margins and returns improving?
Cashflow
98
Earnings quality: real cash, not paper profit
Fin. Strength
13
Balance sheet, leverage, solvency risk
Investment
98
Disciplined investing over empire-building
Low Volatility
50
Calm price path (market factor)
Momentum
84
Price trend over the last 3–12 months (market factor)
52W Momentum
86
Distance to the 52-week high (market factor)
Net Issuance
82
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.
40/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−1.2%
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.
−0.5%
Start year 2020 (pandemic). Over 10 years: −1.5% a year
Revenue growth 14 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.
−8.6%
’13
’14
’15
’16
’17
’18
’19
’20
’21
’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.
−11.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−17.1%
Dividend (yield on the price)6.0%
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.−17.1% vs −14.2%, steady
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.13% → −27%
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.
Growth Forecast
Little optimism in the price
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).
less than -40 %
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
Compare Hansard Global plc with another stock
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 6/13 measures
A mixed picture versus its industry peers.
Valuation Multiplesvs Insurance - Life median · lower = cheaper
Context: sector, industry, market
- Is the Financials 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 Insurance - Life stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| China Life Insurance Company 601628 | ¥37.43 | ¥49.98 | +34% |
| Ping An Insurance (Group) Company 601318 | ¥53.29 | ¥67.19 | +26% |
| AIA Group 1299 | HK$73.75 | HK$41.69 | −43% |
| Manulife Financial Corporation MFC | $42.59 | $27.37 | −36% |
| MetLife, Inc MET | $94.35 | $54.39 | −42% |
| Great-West Lifeco Inc GWO | C$93.34 | C$42.07 | −55% |
| Aflac Incorporated AFL | $111.18 | $67.02 | −40% |
| Life Insurance Corporation LICI | ₹409.05 | ₹299.19 | −27% |
| Cathay Financial Holding 2882 | 110.50 TWD | 71.47 TWD | −35% |
| China Pacific Insurance (Group) Co 601601 | ¥30.88 | ¥48.28 | +56% |
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Frequently asked questions
Is Hansard Global plc (HNRDF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.2300 versus the last price from Sep 25, 2026 of $0.7500, about −69% upside (overvalued).
What is the fair value of HNRDF?
Our model-based fair value for Hansard Global plc is $0.2300 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 25, 2026): $0.7500.
What is the quality score of HNRDF?
Hansard Global plc has a Quality Score of 58/100. 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 Hansard Global plc (HNRDF)?
Our model-based price target is the fair value of $0.2300 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario $0.1700, optimistic scenario $0.2900. It is a calculation from audited fundamentals, not an analyst target.
What is the Hansard Global plc stock forecast for 2026?
Our models put fair value at $0.2300, about −69% upside versus the last price from Sep 25, 2026 of $0.7500 (overvalued). Cautious scenario $0.1700, optimistic scenario $0.2900. The calculation is refreshed regularly with new filings.
Does Hansard Global plc pay a dividend?
Hansard Global plc currently shows a dividend yield of about 6.00% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Hansard Global plc (HNRDF)?
For today's price to be fair in a discounted-cash-flow model, Hansard Global plc would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -0.5 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of HNRDF use?
Our models discount Hansard Global plc at 11.2 %: a base by market capitalisation (micro), damped by beta 0.19, 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 Hansard Global plc that is less than minus 40 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Hansard Global plc (HNRDF) delivered so far?
Over the past 5 years revenue at Hansard Global plc grew -0.5 % a year. The price currently implies less than minus 40 % 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 Hansard Global plc (HNRDF) growing?
The median revenue growth in the sector is +9.3 % a year. That is the yardstick for the growth priced into Hansard Global plc (less than minus 40 % 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 Hansard Global plc (HNRDF)?
The free-cash-flow yield on the price is 16.55 %: that much free cash flow Hansard Global plc produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Hansard Global plc (HNRDF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Hansard Global plc it is $0.2300 per share (as of Sep 24, 2026), against a price of $0.7500. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Hansard Global plc stock overvalued or undervalued in 2026?
As of Sep 24, 2026, HNRDF trades above its calculated fair value: price $0.7500, fair value $0.2300, a gap of about −69% (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 HNRDF?
No. The price is what the market pays today ($0.7500); the fair value is what the company's own numbers justify ($0.2300). For Hansard Global plc the two are $0.5200 per share apart. That gap is exactly why we show both numbers side by side.
How much is Hansard Global plc worth?
The market values Hansard Global plc at about $103M (market capitalisation, as of Sep 24, 2026). Per share that is $0.7500; our models calculate a fair value of $0.2300 per share.
What do the bullish and bearish scenarios say about HNRDF?
Our models span a range for Hansard Global plc: cautious scenario $0.1700, base $0.2300, optimistic $0.2900 per share (as of Sep 24, 2026, price $0.7500). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of HNRDF?
Hansard Global plc trades at a price-to-earnings ratio of 18.8 (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 $0.2300 is built from several models across several years. Other multiples: P/B 5.1, P/S 0.5, EV/EBITDA 5.3.
How solid is the balance sheet of Hansard Global plc (HNRDF)?
Balance-sheet figures for Hansard Global plc (as of Sep 24, 2026): return on equity 24.2%. They feed the Quality Score of 58/100, which measures business quality independently of the share price.
How far is HNRDF from its 52-week high?
Hansard Global plc trades at $0.7500, at its 52-week high of $0.7500 and 41% above the low of $0.5320 (as of Sep 25, 2026). Distance from the high says nothing about value: that is what the fair value of $0.2300 is for.
Which stocks are comparable to Hansard Global plc?
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 Hansard Global plc stock attractive at the current price?
The data as of Sep 24, 2026: price $0.7500, calculated fair value $0.2300 (−69%), Quality Score 58/100, 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 HNRDF calculated?
We run Hansard Global plc 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 $0.2300, 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. Hansard Global 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 Hansard Global plc (HNRDF)?
The latest price we hold is from Sep 25, 2026 and stands at $0.7500. Our model-based fair value is $0.2300, about −69% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Hansard Global plc right now?
The price sits above even our optimistic bull case ($0.2900). 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 (58/100) 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 Hansard Global plc
How large is the market capitalisation of Hansard Global plc (HNRDF)?
The market capitalisation of Hansard Global plc is $103M. 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 Hansard Global plc (HNRDF)?
The price-to-sales ratio of Hansard Global plc is 0.70 (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 Hansard Global plc (HNRDF)?
Earnings per share at Hansard Global plc are $0.0400 (price ÷ EPS = P/E 18.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Hansard Global plc (HNRDF)?
The dividend yield of Hansard Global plc is 6.0% (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 Hansard Global plc (HNRDF)?
The net margin of Hansard Global plc is 3.7% (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 Hansard Global plc (HNRDF)?
The return on equity (ROE) of Hansard Global plc is 24.2% (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 Hansard Global plc (HNRDF)?
On an EBIT basis the return on assets of Hansard Global plc is 2.1% (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 Hansard Global plc (HNRDF)?
The operating margin of Hansard Global plc is 2.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Hansard Global plc (HNRDF)?
Revenue at Hansard Global plc is growing +188% versus a year earlier. 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 Hansard Global plc (HNRDF)?
Earnings per share at Hansard Global plc are growing +550% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Hansard Global plc (HNRDF) hold?
Hansard Global plc holds more cash than debt, £48.8M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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