LLPC Fair Value & Analysis
Financials · GB · Market cap 105B GBX
Fair value as of: Jul 8, 2026
From 11 valuation models · updated 30 days ago
Fair value updated Jul 8, 2026, revised from £0.8500 to £1.03 (+21.2%) since Jun 26, 2026.
A solid business, but screening 30% overvalued on our models.
What matters now
- The price sits above even our optimistic bull case (£1.29). The favourable scenario is already priced in.
- Solid but not exceptional quality (57/100) and above fair value, neither a clear bargain nor a standout compounder.
- A fairly wide model range (£0.7100 to £1.29) leaves room in how you read the outcome.
- 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 8, 2026.
How to read this chart
60‑month range £0.9705 – £1.56 · fair‑value band £0.7100 – £1.29 · the £1.47 price screens above the £1.03 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 8, 2026.
Analysis
LLPC (LLPC) currently trades at £1.47, while our model-based Fair Value estimate is £1.03, implying the stock looks roughly 29.8% overvalued today. We read business quality at 57/100 (solid quality), in the Financials 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: medium).
Net debt stands at £37.5B. The stock trades on a trailing P/E of 0.3. Fundamentals as of Jul 8, 2026
Our scenario range runs from £0.7100 (bear case) to £1.29 (bull case); at £1.47, the current price sits above 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 Financials peers we cover trades at 100% fair-value upside, at -30%, LLPC 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.
All 11 models by family
Widest divergence: Multiples (£1.08) versus Earnings-Based (£0.2459). Highest evidence: Residual Income (76).
Key figures & financial health
Figures from reported company fundamentals · as of Jul 8, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 47 · Market factors (momentum, volatility) 57
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
LLPC reported revenue of £20.0B in FY2025 versus £16.3B in FY2021, a compound +5.2%/yr. Reported net income was £4.7B in FY2025, compounding −5.3%/yr from FY2021.
LLPC screens 30% overvalued. Compare with Federal Home Loan Mortgage Corporation →
Peer Group
Financials · 3347 stocks
How this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Diversified Banks” was too small, so the broader sector is used.)
Valuation Multiples vs Financials 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.
VALUE 0: the price sits above our fair-value range.
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.
Similar stocks
10 more Diversified Banks stocks, each showing price versus our Fair Value estimate (as of Jul 8, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Federal Home Loan Mortgage Corporation FMCKK | $12.00 | $24.00 | +100% |
| CGABL CGABL | $16.46 | $10.72 | -35% |
| American Financial Group AFGE | $15.98 | $17.71 | +11% |
| Unum Group UNMA | $21.88 | $37.30 | +70% |
| Affiliated Managers Group MGR | $20.15 | $36.48 | +81% |
| 540755 540755 | ₹356.55 | ₹713.10 | +100% |
| 500271 500271 | ₹1,498 | ₹416.36 | -72% |
| LTG LTG | 14.30 PHP | 28.60 PHP | +100% |
| Hercules Capital, Inc HCXY | $25.16 | $50.32 | +100% |
| FDC FDC | 4.27 PHP | 8.54 PHP | +100% |
Compare LLPC with another stock
Price, fair value, quality and upside side by side.
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Frequently asked questions
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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.
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