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M&G Credit Income Investment Trust plc (MGCI) Fair Value & Analysis

Financial Services · GB · Market cap 185M GBX

MG M&G Credit Income Investment Trust plc MGCI · LSE
Price£0.9240
Fair Value£0.8600
Upside-6.9%
Quality51/100
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Evidence: High Range £0.6400 – £1.07

Fair value as of: Jun 26, 2026

From 15 valuation models · updated 7 days ago

Share price +2.0% over the past month.

Price vs Fair Value (12 months)

£0.9300 £0.8612 Fair Value £0.8600 Jul 2025 Jul 2026

12‑month range £0.8612 – £0.9300 · fair‑value band £0.6400 – £1.07 · the £0.9240 price screens above the £0.8600 fair value. As of Jun 26, 2026.

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Analysis

M&G Credit Income Investment Trust plc (MGCI) currently trades at £0.9240, while our model-based Fair Value estimate is £0.8600 — implying the stock looks roughly 6.9% overvalued today. We read business quality at 51/100 (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: high).

Over the trailing twelve months, M&G Credit Income Investment Trust plc generated revenue of £12.4M at a net margin of 83.9%. Revenue grew 27.0% year over year. It earns a return on equity of 6.4%. The balance sheet holds a net cash position of £6.5M. Fundamentals as of Jun 26, 2026

Key figures & financial health

Revenue (TTM) 12.4M GBX
Revenue growth (YoY) +27.0%
Net margin 83.9%
Return on equity 6.4%
Free cash flow −32.3M GBX FY2025
P/E ratio 15.0
More key figures
Operating margin 85.3%
EPS (TTM) £0.0600
Dividend yield 8.6%
EPS growth (YoY) -1.6%
Net cash 6.5M GBX FY2025

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

About the company

M&G Credit Income Investment Trust plc engages in investment in a portfolio of public and private debt and debt-like instruments. The company was incorporated in 2018 and is based in London, the United Kingdom.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

M&G Credit Income Investment Trust plc reported revenue of £9.7M in FY2025 versus £6.7M in FY2021, a compound +9.7%/yr. Reported net income was £10.4M in FY2025, compounding +14.5%/yr from FY2021.

Revenue +9.7%/yr
FY21 £6.7M
FY22 −£1.8M
FY23 £15.4M
FY24 £10.7M
FY25 £9.7M
Net income +14.5%/yr
FY21 £6.0M
FY22 −£2.6M
FY23 £13.3M
FY24 £10.6M
FY25 £10.4M

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Frequently asked questions

Is M&G Credit Income Investment Trust plc (MGCI) undervalued?
As of Jun 26, 2026, our model estimates a fair value of £0.8600 versus a price of £0.9240 — about −7% (overvalued). Model-based estimate, not financial advice.
What is the fair value of MGCI?
Our model-based fair value for M&G Credit Income Investment Trust plc is £0.8600 (as of Jun 26, 2026), built from audited fundamentals. The current price is £0.9240.
What is the quality score of MGCI?
M&G Credit Income Investment Trust plc has a Quality Score of 51/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of M&G Credit Income Investment Trust plc (MGCI)?
M&G Credit Income Investment Trust plc reported trailing-twelve-month revenue of about £12.4M (latest available figure, as of Jun 26, 2026).
What is the net profit margin of MGCI?
The net profit margin of M&G Credit Income Investment Trust plc is about 83.9%, meaning it keeps roughly 83.9% of revenue as net income. Based on the latest reported figures.
Does M&G Credit Income Investment Trust plc pay a dividend?
M&G Credit Income Investment Trust plc currently shows a dividend yield of about 8.58% relative to its recent price (as of Jun 26, 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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.