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IntegraFin Holdings (IHPGF) fair value: what the stock is really worth
As of Jul 17, 2026: fair value of IntegraFin Holdings $0.73, price $2.75, upside -73.5%, quality 63 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
IntegraFin Holdings
IHPGF · USStretched ValuationStrong overvaluation with only moderate quality.
!Fair value $0.7300 · Strongly overvalued (−73.5%)
✓Quality 63/100
✓Healthy Growth (revenue 5y +8.5 %/yr)
✓Highly profitable · 38.2% net margin (TTM)
✓generates free cash flow
✓4.3% dividend yield · Well covered
✓Wide moat 79/100
!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, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
44‑month range $2.23 – $2.84 · fair‑value band $0.5400 – $0.9100 · the $2.75 price screens above the $0.7300 fair value. Dashed = 300-day average. As of Sep 24, 2026.
Company profile
IntegraFin Holdings plc, together with its subsidiaries, provides software and services for clients and UK financial advisers in the United Kingdom and Isle of Man. It operates through three segments: Investment Administration Services, Insurance and Life Assurance Business, and Adviser Back-Office Technology.
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IntegraFin Holdings plc, together with its subsidiaries, provides software and services for clients and UK financial advisers in the United Kingdom and Isle of Man. It operates through three segments: Investment Administration Services, Insurance and Life Assurance Business, and Adviser Back-Office Technology. The company operates Transact, a wrap platform that enable advisers to consolidate their client investments using tax efficient wrappers and provide range of investment choice; and Time4Advice, an adviser practice management solution. It also provides software provision and development, and maintenance; life insurance and assurance; financial planning software; and investment administration services. IntegraFin Holdings plc was founded in 1999 and is headquartered in London, the United Kingdom.
Stock analysis
IntegraFin Holdings (IHPGF) currently trades at $2.75, while our model-based Fair Value estimate is $0.7300, 73.5% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 25 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: $0.5400 (bear) to $0.9100 (bull), the price of $2.75 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 63/100 (solid quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
IntegraFin Holdings reported revenue of £157M in FY2025 versus £155M in FY2021, a compound +0.3%/yr. Reported net income was £51.3M in FY2025, compounding +0.1%/yr from FY2021.
Key figures
Market cap $911M · P/E ratio 14.5 · P/S ratio 4.74 · EPS (TTM) $0.1900 · Dividend yield 4.3% · Net margin 32.7% · Return on equity 28.9% · Return on assets (EBIT) 0.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (medium confidence).
What moves the price
The share trades at its 52-week high and 6% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −15% fair-value upside, at −73%, IHPGF screens richer than that median.
Fair Value models
Bear $0.5400
Fair Value $0.7300
Bull $0.9100
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 ($0.0720 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
P/B Multiple
$0.5700
$0.7700
$0.9600
55
NCAV (Graham)
$0.4500
$0.6000
$0.9000
51
All 2 models by family
Multiples
P/B Multiple
$0.5700
$0.7700
$0.9600
55
Asset-Based
NCAV (Graham)
$0.4500
$0.6000
$0.9000
51
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Set up alert →Quality Score breakdown
Overall quality
63/100
Of which business quality 52 · Market factors (momentum, volatility) 58
Profitability
41
Margins and returns on capital today
Quality Growth
39
Are margins and returns improving?
Cashflow
100
Earnings quality: real cash, not paper profit
Fin. Strength
1
Balance sheet, leverage, solvency risk
Investment
58
Disciplined investing over empire-building
Low Volatility
70
Calm price path (market factor)
Momentum
44
Price trend over the last 3–12 months (market factor)
52W Momentum
70
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.
87/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+8.2%
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.
+18.1%
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.
+8.5%
Start year 2020 (pandemic). Over 10 years: +9.4% a year
Revenue growth 12 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.
+9.0%
’14
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’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.
+6.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+2.4%
Dividend (yield on the price)4.3%
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.2.4% vs 12.1%, slowing
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.−72% → 34%
Start year 2020 (pandemic)
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).
−34.2%
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.
+8.8%
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 −35.7% a year for the price and +6.4% for the forecasts.
Forecast 2026 (sales)+10.1%
Forecast 2027 (sales)+10.1%
Projected 2028 (sales)+9.1%
Projected 2029 (sales)+8.0%
Projected 2030 (sales)+7.0%
IHPGF screens overvalued: fair value 73% below the price. Compare with Blackstone Inc →
Compare IntegraFin Holdings 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.Asset Management · 658 stocks
Beats the industry median on 7/14 measures
A mixed picture versus its industry peers.
Valuation Multiplesvs Asset Management 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 Asset Management stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Blackstone Inc BX | $112.09 | $52.29 | −53% |
| KKR & Co KKR | $93.18 | $29.26 | −69% |
| Brookfield Corporation BN | $36.87 | $13.45 | −64% |
| Apollo Global Management, Inc APO | $116.06 | $197.23 | +70% |
| State Street Corporation STT | $177.78 | $139.37 | −22% |
| Ameriprise Financial, Inc AMP | $494.82 | $595.40 | +20% |
| Ares Management Corporation ARES | $122.01 | $103.68 | −15% |
| Northern Trust Corporation NTRS | $175.73 | $123.42 | −30% |
| Raymond James Financial, Inc RJF | $161.16 | $317.27 | +97% |
| Exor N.V EXO | €68.10 | €136.20 | +100% |
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Frequently asked questions
Is IntegraFin Holdings (IHPGF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of $0.7300 versus the last price from Jul 17, 2026 of $2.75, about −73% upside (overvalued).
What is the fair value of IHPGF?
Our model-based fair value for IntegraFin Holdings is $0.7300 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jul 17, 2026): $2.75.
What is the quality score of IHPGF?
IntegraFin Holdings has a Quality Score of 63/100. 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 IntegraFin Holdings (IHPGF)?
Our model-based price target is the fair value of $0.7300 (as of Sep 24, 2026) from 2 valuation models. Cautious scenario $0.5400, optimistic scenario $0.9100. It is a calculation from audited fundamentals, not an analyst target.
What is the IntegraFin Holdings stock forecast for 2026?
Our models put fair value at $0.7300, about −73% upside versus the last price from Jul 17, 2026 of $2.75 (overvalued). Cautious scenario $0.5400, optimistic scenario $0.9100. The calculation is refreshed regularly with new filings.
What is the revenue of IntegraFin Holdings (IHPGF)?
IntegraFin Holdings reported trailing-twelve-month revenue of about £165M (latest available figure, as of Sep 24, 2026).
Does IntegraFin Holdings pay a dividend?
IntegraFin Holdings currently shows a dividend yield of about 4.29% relative to its recent price (as of Sep 24, 2026).
What growth is priced into IntegraFin Holdings (IHPGF)?
For today's price to be fair in a discounted-cash-flow model, IntegraFin Holdings would have to grow free cash flow by -34.2 % per year for five years (discount rate 12.0 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.5 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of IHPGF use?
Our models discount IntegraFin Holdings at 12.0 %: a base by market capitalisation (small), damped by beta 1.28, 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 IntegraFin Holdings that is -34.2 % per year a year over ten years, using the same discount rate (12.0 %) and the same formula as our fair value.
How much growth has IntegraFin Holdings (IHPGF) delivered so far?
Over the past 5 years revenue at IntegraFin Holdings grew +8.5 % a year. The price currently implies -34.2 % 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 IntegraFin Holdings (IHPGF) growing?
The median revenue growth in the sector is +9.2 % a year. That is the yardstick for the growth priced into IntegraFin Holdings (-34.2 % 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 IntegraFin Holdings (IHPGF)?
The free-cash-flow yield on the price is 47.30 %: that much free cash flow IntegraFin Holdings produces per unit of market value. When it exceeds the discount rate of our models (12.0 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of IntegraFin Holdings (IHPGF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For IntegraFin Holdings it is $0.7300 per share (as of Sep 24, 2026), against a price of $2.75. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is IntegraFin Holdings stock overvalued or undervalued in 2026?
As of Sep 24, 2026, IHPGF trades above its calculated fair value: price $2.75, fair value $0.7300, a gap of about −73% (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 IHPGF?
No. The price is what the market pays today ($2.75); the fair value is what the company's own numbers justify ($0.7300). For IntegraFin Holdings the two are $2.02 per share apart. That gap is exactly why we show both numbers side by side.
How much is IntegraFin Holdings worth?
The market values IntegraFin Holdings at about $911M (market capitalisation, as of Sep 24, 2026). Per share that is $2.75; our models calculate a fair value of $0.7300 per share.
What do the bullish and bearish scenarios say about IHPGF?
Our models span a range for IntegraFin Holdings: cautious scenario $0.5400, base $0.7300, optimistic $0.9100 per share (as of Sep 24, 2026, price $2.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of IHPGF?
IntegraFin Holdings trades at a price-to-earnings ratio of 14.5 (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 $0.7300 is built from several models across several years. Other multiples: PEG 15.3, P/B 4.0, P/S 5.5, EV/EBITDA 6.0.
What is the PEG ratio of IHPGF?
The PEG ratio of IntegraFin Holdings is 15.29 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of IntegraFin Holdings (IHPGF)?
Balance-sheet figures for IntegraFin Holdings (as of Sep 24, 2026): return on equity 28.9%. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is IHPGF from its 52-week high?
IntegraFin Holdings trades at $2.75, at its 52-week high of $2.75 and 6% above the low of $2.59 (as of Jul 17, 2026). Distance from the high says nothing about value: that is what the fair value of $0.7300 is for.
Which stocks are comparable to IntegraFin Holdings?
From the same area (Financial Services) we also value Blackstone Inc, KKR & Co, Brookfield Corporation, 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 IntegraFin Holdings stock attractive at the current price?
The data as of Sep 24, 2026: price $2.75, calculated fair value $0.7300 (−73%), Quality Score 63/100, 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 IHPGF calculated?
We run IntegraFin Holdings through 2 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 $0.7300, 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. IntegraFin Holdings 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 IntegraFin Holdings (IHPGF)?
The latest price we hold is from Jul 17, 2026 and stands at $2.75. Our model-based fair value is $0.7300, about −73% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with IntegraFin Holdings right now?
The price sits above even our optimistic bull case ($0.9100). 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 (63/100) 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.
Where does the earnings growth of IntegraFin Holdings (IHPGF) come from?
Earnings per share at IntegraFin Holdings grew +13.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share +9.6 %, EBIT margin −1.1 %, tax rate −1.7 %, residual (interest, one-offs) +6.1 %. 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 IntegraFin Holdings
How large is the market capitalisation of IntegraFin Holdings (IHPGF)?
The market capitalisation of IntegraFin Holdings is $911M. 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 IntegraFin Holdings (IHPGF)?
The price-to-sales ratio of IntegraFin Holdings is 4.74 (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 IntegraFin Holdings (IHPGF)?
Earnings per share at IntegraFin Holdings are $0.1900 (price ÷ EPS = P/E 14.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of IntegraFin Holdings (IHPGF)?
The dividend yield of IntegraFin Holdings is 4.3% (payout 62.1%). 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 IntegraFin Holdings (IHPGF)?
The net margin of IntegraFin Holdings is 32.7% (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 IntegraFin Holdings (IHPGF)?
The return on equity (ROE) of IntegraFin Holdings is 28.9% (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 IntegraFin Holdings (IHPGF)?
On an EBIT basis the return on assets of IntegraFin Holdings is 0.0% (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 IntegraFin Holdings (IHPGF)?
The operating margin of IntegraFin Holdings is 63.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at IntegraFin Holdings (IHPGF)?
Revenue at IntegraFin Holdings is growing +11.1% versus a year earlier (3y avg +18.1%). 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 IntegraFin Holdings (IHPGF)?
Earnings per share at IntegraFin Holdings are growing +58.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does IntegraFin Holdings (IHPGF) hold?
IntegraFin Holdings holds more cash than debt, £107M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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