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Praemium Limited (PPS) Fair Value & Analysis

Financial Services · AU · Market cap A$346M

PL Praemium Limited PPS · AU
PriceA$0.7800
Fair ValueA$0.4700
Upside-39.7%
Quality74/100
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Expensive Growth
Solidly profitable · 16.2% net margin
Low debt · generates free cash flow
3.50% dividend yield
Mixed vs. peers (8/14)
Wide moat 67/100
Evidence: High Range A$0.3500 – A$0.5900 Share as image

Fair value as of: Jul 17, 2026

From 2 valuation models · updated 24 days ago

Share price +6.8% over the past month.

A solid business, but screening 40% overvalued on our models.

What matters now

  • A high-quality business (quality 74/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
  • The price sits above even our optimistic bull case (A$0.5900). The favourable scenario is already priced in.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

A$1.37 A$0.3323 Fair Value A$0.4700 May 2021 Aug 2026

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 A$0.3323 – A$1.37 · fair‑value band A$0.3500 – A$0.5900 · the A$0.7800 price screens above the A$0.4700 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 17, 2026.

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Analysis

Praemium Limited (PPS) currently trades at A$0.7800, while our model-based Fair Value estimate is A$0.4700, implying the stock looks roughly 39.7% overvalued today. The Quality Score stands at 74/100 (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, Praemium Limited generated revenue of A$109M at a net margin of 16.2%. Revenue grew 11.2% year over year. It earns a return on equity of 15.7%. The balance sheet holds a net cash position of A$39.5M. Fundamentals as of Jul 17, 2026

Our scenario range runs from A$0.3500 (bear case) to A$0.5900 (bull case); at A$0.7800, 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. The share trades about 16% below its 52-week high and 45% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 11% fair-value upside, at -40%, PPS 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 Bear Bear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull Bull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. Evidence
Highest evidence
P/B Multiple A$0.1500 A$0.2000 A$0.2400 55
NCAV (Graham) A$0.1100 A$0.1500 A$0.2300 50
All 2 models by family
Multiples
P/B Multiple A$0.1500 A$0.2000 A$0.2400 55
Asset-Based
NCAV (Graham) A$0.1100 A$0.1500 A$0.2300 50

Widest divergence: Multiples (A$0.2000) versus Asset-Based (A$0.1500). Highest evidence: P/B Multiple (55).

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Key figures & financial health

Revenue (TTM) A$109M
Revenue growth (YoY) +11.2%
Net margin 16.2%
Return on equity 15.7%
Free cash flow A$10.2M FY2025
P/E ratio 18.3
More key figures
Operating margin 22.3%
EPS (TTM) A$0.0400
Dividend yield 3.6%
EPS growth (YoY) +75.0%
Net cash A$39.5M FY2025

Figures from reported company fundamentals · as of Jul 17, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 74/100

Of which business quality 73 · Market factors (momentum, volatility) 56

Profitability 43
Margins and returns on capital today
Quality Growth 57
Are margins and returns improving?
Cashflow 73
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 62
Disciplined investing over empire-building
Low Volatility 68
Calm price path (market factor)
Momentum 52
Price trend over the last 3–12 months (market factor)
52W Momentum 52
Distance to the 52-week high (market factor)
Net Issuance 100
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

Praemium Limited, together with its subsidiaries, provides advisors and wealth management solutions in Australia and internationally. It offers products, such as Sprectrum, SMA, Super, Scope, and Scope+ solutions.

Full company description

Praemium Limited, together with its subsidiaries, provides advisors and wealth management solutions in Australia and internationally. It offers products, such as Sprectrum, SMA, Super, Scope, and Scope+ solutions. In addition, the company provides platforms, which includes reporting, digital experience, data integration, customizations, tax optimization, and alternative assets. The company was incorporated in 2001 and is based in Melbourne, Australia.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Praemium Limited reported revenue of A$1.7M in FY2025 versus A$52.9M in FY2021, a compound −57.7%/yr. Reported net income was A$13.6M in FY2025, compounding +72.4%/yr from FY2021.

Growth Quality 62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
A$1.7M
Avg. growth/yr (3Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+16.1%
Avg. growth/yr (5Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+13.4%
Avg. growth/yr (19Y) Measures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump.
+24.5%
Revenue −57.7%/yr
FY21 A$52.9M
FY22 A$63.3M
FY23 A$74.3M
FY24 A$82.7M
FY25 A$1.7M
Net income +72.4%/yr
FY21 A$1.5M
FY22 A$43.6M
FY23 A$15.2M
FY24 A$8.8M
FY25 A$13.6M

PPS screens 40% overvalued. Compare with Huatai Securities Co →

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Cite: Fair Value Calculator (2026). "Praemium Limited Fair Value". https://www.fairvalue-calculator.com/stock/PPS

Peer Group

Capital Markets · 423 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 74 · Top 25%
Fair Value upside −40% · Below median
Return on equity (TTM) 16% · Above median
Return on assets 11% · Top 25%
Net margin (TTM) 16% · Above median
Operating margin (TTM) 22% · Below median
Revenue growth 11% · Below median
Dividend yield (TTM) 3.5% · Above median

Valuation Multiples vs Capital Markets median · lower = cheaper

P/E (TTM) 17.8× · Pricier than median
P/B 2.18× · Pricier than 75% of peers
P/S (TTM) 2.24× · Cheaper than median
P/FCF 24.0× · Pricier than 75% of peers
EV/EBITDA 7.3× · Cheaper 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 9
FUTURE 56 · sector 96
PAST 63 · sector 30
HEALTH 100 · sector 93
DIVIDEND 70 · sector 36

VALUE 0: the price sits above our fair-value range.

Insider activity: 45/100

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 Capital Markets stocks, each showing price versus our Fair Value estimate (as of Jul 17, 2026).

Stock Price Fair Value vs Fair Value
Huatai Securities Co HTSC $0.2700 $0.0400 -85%
Mirae Asset Securities Co 006800 38,750 KRW 31,645 KRW -18%
Meritz Financial Group 138040 117,000 KRW 87,706 KRW -25%
Korea Investment Holdings 071050 239,000 KRW 318,825 KRW +33%
NH Investment & Securities Co 005940 31,000 KRW 37,133 KRW +20%
Samsung Securities Co 016360 107,700 KRW 126,487 KRW +17%
Motilal Oswal Financial Services Limited MOTILALOFS ₹967.00 ₹299.65 -69%
Kiwoom Securities Co 039490 322,000 KRW 358,091 KRW +11%
SSI Securities Corporation SSI 24,250 VND 28,021 VND +16%
Bolsas y Mercados Argentinos S.A BYMA 313.75 ARS 120.22 ARS -62%

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Frequently asked questions

Is Praemium Limited (PPS) overvalued or undervalued?
As of Jul 17, 2026, our model estimates a fair value of A$0.4700 versus a price of A$0.7800, about −40% (overvalued).
What is the fair value of PPS?
Our model-based fair value for Praemium Limited is A$0.4700 (as of Jul 17, 2026), built from audited fundamentals. The current price is A$0.7800.
What is the quality score of PPS?
Praemium Limited has a Quality Score of 74/100. 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 Praemium Limited (PPS)?
Praemium Limited reported trailing-twelve-month revenue of about A$109M (latest available figure, as of Jul 17, 2026).
What is the net profit margin of PPS?
The net profit margin of Praemium Limited is about 16.2%, meaning it keeps roughly 16.2% of revenue as net income. Based on the latest reported figures.
Does Praemium Limited pay a dividend?
Praemium Limited currently shows a dividend yield of about 3.55% relative to its recent price (as of Jul 17, 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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