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Lovisa Holdings (LOV) Fair Value & Analysis

Consumer Cyclical · AU · Market cap A$2.6B

LH Lovisa Holdings LOV · AU
PriceA$27.10
Fair ValueA$17.15
Upside-36.7%
Quality63/100
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Healthy Growth
Thin margins · 9.8% net margin
Moderate debt · generates free cash flow
3.39% dividend yield
Mixed vs. peers (7/14)
Wide moat 74/100
Evidence: High Range A$12.78 – A$29.49 Share as image

Fair value as of: Jul 19, 2026

From 24 valuation models · updated 22 days ago

Share price +19.7% over the past month.

A solid business, but screening 37% overvalued on our models.

What matters now

  • Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder.
  • A fairly wide model range (A$12.78 to A$29.49) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

A$41.82 A$11.08 Fair Value A$17.15 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 19, 2026.

How to read this chart

60‑month range A$11.08 – A$41.82 · fair‑value band A$12.78 – A$29.49 · the A$27.10 price screens above the A$17.15 fair value. Dashed = 300-day average. As of Jul 19, 2026.

Full chart & analysis →

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Analysis

Lovisa Holdings (LOV) currently trades at A$27.10, while our model-based Fair Value estimate is A$17.15, implying the stock looks roughly 36.7% overvalued today. The Quality Score stands at 63/100 (solid quality), in the Consumer Cyclical 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: high).

Over the trailing twelve months, Lovisa Holdings generated revenue of A$893M at a net margin of 9.8%. Revenue grew 23.3% year over year. It earns a return on equity of 82.6%. Net debt stands at A$457M. Fundamentals as of Jul 19, 2026

Our scenario range runs from A$12.78 (bear case) to A$29.49 (bull case); at A$27.10, 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. The share trades about 36% below its 52-week high and 40% above its 52-week low, currently below its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -24% fair-value upside, at -37%, LOV 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.

Model BearBaseBull Evidence
Highest evidence
Growth DCF A$18.89 A$35.31 A$66.23 80
Residual Income A$4.08 A$7.11 A$178.96 76
Rev-Margin DCF A$10.08 A$18.09 A$30.14 74
All 24 models by family
DCF Models
FCF DCF A$19.98 A$32.17 A$67.67 38
Owner Earnings A$17.64 A$39.47 A$83.62 31
5Y Revenue Exit A$10.08 A$16.47 A$28.79 39
5Y EBITDA Exit A$19.61 A$36.79 A$68.61 41
5Y P/E Exit A$14.55 A$29.14 A$47.88 38
10Y Revenue Exit A$12.78 A$22.63 A$31.71 36
10Y EBITDA Exit A$19.63 A$40.78 A$79.95 37
10Y P/E Exit A$16.12 A$31.13 A$56.73 35
Earnings-Based
Graham-Dodd A$5.30 A$36.97 A$51.88 54
Lynch FV A$11.59 A$16.55 A$21.52 50
PEG = 1.0 A$11.59 A$16.55 A$21.52 46
EPV A$8.46 A$9.85 A$11.04 59
Multiples
P/E Multiple A$12.86 A$17.15 A$21.44 63
P/S Multiple A$6.49 A$8.65 A$10.81 58
P/B Multiple A$2.13 A$2.84 A$3.55 55
EV/EBIT A$16.60 A$22.23 A$27.87 53
EV/EBITDA A$19.79 A$26.48 A$33.18 54
EV/Revenue A$5.74 A$8.34 A$10.93 43
Asset-Based
NCAV (Graham) A$0.3500 A$0.4800 A$0.7100 50
Growth DCF
Growth DCF A$18.89 A$35.31 A$66.23 80
Rev-Margin DCF A$10.08 A$18.09 A$30.14 74
Economic Profit
Residual Income A$4.08 A$7.11 A$178.96 76
ROIC Compounder A$9.35 A$11.96 A$14.98 72
Growth Earnings
Growth-Adj P/E A$15.88 A$22.68 A$29.49 68

Widest divergence: DCF Models (A$31.13) versus Asset-Based (A$0.4800). Highest evidence: Growth DCF (80).

Key figures & financial health

Revenue (TTM) A$893M
Revenue growth (YoY) +23.3%
Net margin 9.8%
Return on equity 82.6%
Free cash flow A$147M FY2025
P/E ratio 25.9
More key figures
Operating margin 20.3%
EPS (TTM) A$0.7900
Dividend yield 3.9%
EPS growth (YoY) +2.2%
Net debt A$457M FY2025

Figures from reported company fundamentals · as of Jul 19, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 63/100

Of which business quality 62 · Market factors (momentum, volatility) 32

Profitability 82
Margins and returns on capital today
Quality Growth 29
Are margins and returns improving?
Cashflow 82
Earnings quality: real cash, not paper profit
Fin. Strength 44
Balance sheet, leverage, solvency risk
Investment 45
Disciplined investing over empire-building
Low Volatility 38
Calm price path (market factor)
Momentum 32
Price trend over the last 3–12 months (market factor)
52W Momentum 24
Distance to the 52-week high (market factor)
Net Issuance 78
Buybacks instead of dilution

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.

About the company

Lovisa Holdings Limited engages in the retail sale of fashion jewelry and accessories. The company designs, develops, sources, and merchandises fashion jewelry, body and piercings, accessories, and gifts products under the Lovisa brand name. It also retails its products online.

Full company description

Lovisa Holdings Limited engages in the retail sale of fashion jewelry and accessories. The company designs, develops, sources, and merchandises fashion jewelry, body and piercings, accessories, and gifts products under the Lovisa brand name. It also retails its products online. It operated its retail and franchise stores in Australia, New Zealand, Singapore, Malaysia, Hong Kong, Taiwan, Vietnam, China, South Africa, Botswana, Namibia, the United Arab Emirates, the United States, Canada, Mexico, the United Kingdom, Spain, France, Luxembourg, Belgium, Germany, the Netherlands, Austria, Switzerland, Poland, Italy, Hungary, Romania, Ireland, Zambia, South America, and the Middle East. Lovisa Holdings Limited was founded in 2010 and is based in Hawthorn, Australia.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Lovisa Holdings reported revenue of A$798M in FY2025 versus A$288M in FY2021, a compound +29.0%/yr. Reported net income was A$86.3M in FY2025, compounding +36.6%/yr from FY2021.

Growth Quality 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
A$798M
Latest YoY
+14.2%
Avg. growth/yr (3Y)
+20.3%
Avg. growth/yr (5Y)
+26.9%
Avg. growth/yr (14Y)
+27.9%
Revenue +29.0%/yr
FY21 A$288M
FY22 A$459M
FY23 A$596M
FY24 A$699M
FY25 A$798M
Net income +36.6%/yr
FY21 A$24.8M
FY22 A$58.4M
FY23 A$68.2M
FY24 A$82.4M
FY25 A$86.3M

LOV screens 37% overvalued. Compare with Casey's General Stores, Inc →

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Cite: Fair Value Calculator (2026). "Lovisa Holdings Fair Value". https://www.fairvalue-calculator.com/stock/LOV

Peer Group

Specialty Retail · 221 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.

Quality Score 63 · Above median
Fair Value upside −37% · Below median
Return on equity (TTM) 83% · Top 25%
Return on assets 14% · Top 25%
Net margin (TTM) 10% · Top 25%
Operating margin (TTM) 20% · Top 25%
Revenue growth 23% · Top 25%
Dividend yield (TTM) 3.4% · Above median
Debt / equity 0.98× · Higher than 75% of peers

Valuation Multiples vs Specialty Retail median · lower = cheaper

P/E (TTM) 29.6× · Pricier than 75% of peers
P/B 23.25× · Pricier than 75% of peers
P/S (TTM) 2.05× · Pricier than 75% of peers
P/FCF 12.4× · Pricier than 75% of peers
EV/EBITDA 8.2× · Pricier than median

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 · sector 31
FUTURE 100 · sector 23
PAST 100 · sector 27
HEALTH 51 · sector 94
DIVIDEND 68 · sector 51

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.

None of the checked exposures detected

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

Similar stocks

10 more Specialty Retail stocks, each showing price versus our Fair Value estimate (as of Jul 19, 2026).

Stock Price Fair Value vs Fair Value
Casey's General Stores, Inc CASY $827.04 $405.44 -51%
Williams-Sonoma, Inc WSM $222.84 $164.16 -26%
Ulta Beauty, Inc ULTA $479.57 $488.39 +2%
DICK'S Sporting Goods, Inc DKS $208.89 $181.10 -13%
Best Buy Co BBY $83.98 $109.12 +30%
China Tourism Group 601888 ¥52.90 ¥40.40 -24%
Tractor Supply Company TSCO $31.01 $35.52 +15%
Murphy USA Inc MUSA $618.57 $423.35 -32%
Five Below, Inc FIVE $197.71 $117.29 -41%
Taiwan Mobile Co 3045 110.50 TWD 80.98 TWD -27%

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Frequently asked questions

Is Lovisa Holdings (LOV) overvalued or undervalued?
As of Jul 19, 2026, our model estimates a fair value of A$17.15 versus a price of A$27.10, about −37% (overvalued).
What is the fair value of LOV?
Our model-based fair value for Lovisa Holdings is A$17.15 (as of Jul 19, 2026), built from audited fundamentals. The current price is A$27.10.
What is the quality score of LOV?
Lovisa 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 revenue of Lovisa Holdings (LOV)?
Lovisa Holdings reported trailing-twelve-month revenue of about A$893M (latest available figure, as of Jul 19, 2026).
What is the net profit margin of LOV?
The net profit margin of Lovisa Holdings is about 9.8%, meaning it keeps roughly 9.8% of revenue as net income. Based on the latest reported figures.
Does Lovisa Holdings pay a dividend?
Lovisa Holdings currently shows a dividend yield of about 3.88% relative to its recent price (as of Jul 19, 2026).

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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