KRM22 Plc, (KRM) Fair Value & Analysis

Financial Services · GB · Market cap 23.1M GBX

A solid business, but screening 15% overvalued on our models.

What matters now

• Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder.
• Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.
• For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 17, 2026.

How to read this chart

60‑month range £0.2019 – £1.79 · fair‑value band £0.2600 – £0.4100 · the £0.3900 price screens above the £0.3300 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 17, 2026.

Full chart & analysis →

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Analysis

KRM22 Plc, (KRM) currently trades at £0.3900, while our model-based Fair Value estimate is £0.3300, implying the stock looks roughly 15.4% overvalued today. The Quality Score stands at 58/100 (solid quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: low).

Over the trailing twelve months, KRM22 Plc, generated revenue of £7.4M at a net margin of -27.2%. Revenue grew 9.3% year over year. The balance sheet holds a net cash position of £5.0M. Fundamentals as of Jul 17, 2026

Our scenario range runs from £0.2600 (bear case) to £0.4100 (bull case); at £0.3900, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at -15%, KRM screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Growth DCF (£0.5200) versus Asset-Based (£0.0600). Highest evidence: Growth DCF (80).

Key figures & financial health

Quality Score breakdown

About the company

KRM22 Plc, together with its subsidiaries, develops and sells risk management software to the financial services industry in the United Kingdom, Europe, the United States, and internationally.

Full company description

KRM22 Plc, together with its subsidiaries, develops and sells risk management software to the financial services industry in the United Kingdom, Europe, the United States, and internationally. The company offers Risk Cockpit, a digital risk register and incident management portal that brings risk policies and operational controls to life through a proven risk assessment workflow; and Market Surveillance that offers analytics and contextual market surveillance to help capital market firms to identify and manage the potential risks of market abuse and operational breaches. It also provides Limits Manager that combats time consuming and error prone processes by maintaining, auditing, and approving trading limits across multiple platforms in one centralised application; and Risk Manager which integrates the functionality from the At-Trade P&L and Post-Trade stress applications helping firms achieve risk management monitoring. The company was founded in 2017 and is headquartered in London, the United Kingdom.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

KRM22 Plc, reported revenue of £7.4M in FY2025 versus £4.1M in FY2021, a compound +15.9%/yr. Reported net income was −£2.0M in FY2025.

KRM screens 15% overvalued. Compare with Fondul Proprietatea SA →

Peer Group

Asset Management · 971 stocks

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.

Valuation Multiples vs Asset Management median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.