NRCP Fair Value & Analysis
Financials · PH · Market cap 1.3B PHP
Fair value as of: Jul 10, 2026
From 4 valuation models · updated 30 days ago
Fair value updated Jul 10, 2026, revised from 2.20 PHP to 1.88 PHP (−14.5%) since Jun 26, 2026. Share price −2.4% over the past month.
A solid business, screening 100% undervalued on our models.
What matters now
- The price is below even our cautious bear case (1.41 PHP). The market is more pessimistic than our downside scenario.
- Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality.
- 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 10, 2026.
How to read this chart
60‑month range 0.3064 PHP – 1.02 PHP · fair‑value band 1.41 PHP – 2.35 PHP · the 0.9400 PHP price screens below the 1.88 PHP fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 10, 2026.
Analysis
NRCP (NRCP) currently trades at 0.9400 PHP, while our model-based Fair Value estimate is 1.88 PHP, implying the stock looks roughly 100.0% undervalued today. The Quality Score stands at 54/100 (solid quality), in the Financials sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.
The stock trades on a trailing P/E of 63.5. Fundamentals as of Jul 10, 2026
Our scenario range runs from 1.41 PHP (bear case) to 2.35 PHP (bull case); at 0.9400 PHP, the current price sits below 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 20% below its 52-week high and 59% above its 52-week low. For context, the median of 10 Financials peers we cover trades at 81% fair-value upside, at 100%, NRCP screens cheaper 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 4 models by family
Widest divergence: Multiples (5.29 PHP) versus Asset-Based (3.39 PHP). Highest evidence: P/E Multiple (63).
Quality Score breakdown
Of which business quality 49 · Market factors (momentum, volatility) 72
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
FY2020 – FY2024 · reported fiscal years
NRCP reported revenue of 5.4B PHP in FY2024 versus 3.7B PHP in FY2020, a compound +10.1%/yr. Reported net income was 551M PHP in FY2024, compounding +46.4%/yr from FY2020.
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Peer Group
Financials · 3352 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 “Insurance” 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.
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 Insurance stocks, each showing price versus our Fair Value estimate (as of Jul 10, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| American Financial Group AFGE | $15.98 | $17.71 | +11% |
| 540755 540755 | ₹356.55 | ₹713.10 | +100% |
| 500271 500271 | ₹1,498 | ₹416.36 | -72% |
| Federal Home Loan Mortgage Corporation FMCKK | $12.00 | $24.00 | +100% |
| CGABL CGABL | $16.46 | $10.72 | -35% |
| Unum Group UNMA | $21.88 | $37.30 | +70% |
| Affiliated Managers Group MGR | $20.15 | $36.48 | +81% |
| LTG LTG | 14.30 PHP | 28.60 PHP | +100% |
| LLPC LLPC | £1.47 | £1.03 | -30% |
| Hercules Capital, Inc HCXY | $25.16 | $50.32 | +100% |
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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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