Victorian Plumbing Group PLC (VIC) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Victorian Plumbing Group PLC stock £0.86, price £0.86, that is 0.3% below the price, quality 62 out of 100. Rating: fairly valued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range £0.3074 – £2.44 · fair‑value band £0.6500 – £1.08 · the £0.8630 price screens above the £0.8600 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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Victorian Plumbing Group plc operates as an online retailer of bathroom products and accessories for B2C and trade customers in the United Kingdom. Its products include showers, toilets, baths, taps, radiators and bathroom accessories.
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The company offers its products under the Grohe, Roca, Hansgrohe, Arezzo, Chatsworth, and the Victorian Plumbing brand names. Victorian Plumbing Group plc was founded in 2000 and is headquartered in Leyland, the United Kingdom.
Stock analysis
Victorian Plumbing Group PLC (VIC) currently trades at £0.8630, while our model-based Fair Value estimate is £0.8600, so the stock looks roughly fairly valued today (gap 0.3%).
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Valuation
Bull case: the DCF Models group reads highest at a median of £0.9800 per share, and 13 of the 26 models we run sit above the £0.8630 price.
Bear case: the Dividend Discount group reads lowest at £0.2000, and 13 of the 26 models stay below the price. Data coverage for this calculation is high.
Scenario range: £0.6500 (bear) to £1.08 (bull), the price of £0.8630 sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 62/100 (solid quality), in the Consumer Cyclical sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Victorian Plumbing Group PLC reported revenue of £306M in FY2025 versus £269M in FY2021, a compound +3.3%/yr. Reported net income was £12.9M in FY2025, compounding −2.5%/yr from FY2021.
Key figures
Market cap £287M Small · P/E ratio 21.6 · P/S ratio 0.88 · EPS (TTM) £0.0400 · Dividend yield 2.5% · Net margin 4.4% · Return on equity 22.9% · Return on assets (EBIT) 14.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 35% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −19% fair-value upside, at 0%, VIC screens cheaper than that median.
Fair Value models
Bear£0.6500Fair Value £0.8600Bull£1.08
Price £0.8630 · Downside -0.3%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 12 months old). Earnings retained since then (£0.0180 per share) are deliberately not added.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.76/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+3.5%
Revenue growth 3 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+4.3%
Revenue growth 5 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+8.0%
Start year 2020 (pandemic)
Revenue growth 7 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+14.7%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+0.1%
Earnings growth per share plus dividend.
Earnings per share, growth per year−2.4%
Dividend (yield on the price)2.5%
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.12% → 8%
Growth Forecast
Price in line with expectations
The price assumes about as much growth as the company has delivered so far and about what analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+7.1%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+7.5%
Yearly sales growth analysts expect, extended to five years.
After inflation (UK: IMF forecast 2.3% a year to 2030, 3.3% from 2016 to 2025) that is about +4.7% a year for the price and +5.1% for the forecasts.
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Peer Groupⓘ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.Home Improvement Retail · 31 stocks
Beats the industry median on 7/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score62 · Above median
Fair Value upside−0.3% · Above median
Profitability
Return on equity (12 months)22.9% · Top 25%
Return on assets7.7% · Top 25%
Net margin (12 months)4.4% · Above median
Operating margin (12 months)5.8% · Above median
Growth and dividend
Revenue growth (quarter YoY)10.5% · Top 25%
Dividend yield (12 months)2.5% · Below median
Valuation Multiplesvs Home Improvement Retail median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Victorian Plumbing Group PLC Fair Value". https://www.fairvalue-calculator.com/stock/VIC
Frequently asked questions
Is Victorian Plumbing Group PLC (VIC) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of £0.8600 versus a price of £0.8630, about 0% lower (fairly valued).
What is the fair value of VIC?
Our model-based fair value for Victorian Plumbing Group PLC is £0.8600 (as of Nov 3, 2026), built from audited fundamentals. The current price: £0.8630.
What is the quality score of VIC?
Victorian Plumbing Group PLC has a Quality Score of 62/100. 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 price target for Victorian Plumbing Group PLC (VIC)?
Our model-based price target is the fair value of £0.8600 (as of Nov 3, 2026) from 26 valuation models. Cautious scenario £0.6500, optimistic scenario £1.08. It is a calculation from audited fundamentals, not an analyst target.
What is the Victorian Plumbing Group PLC stock forecast for 2026?
Our models put fair value at £0.8600, about 0% lower versus a price of £0.8630 (fairly valued). Cautious scenario £0.6500, optimistic scenario £1.08. The calculation is refreshed regularly with new filings.
What is the revenue of Victorian Plumbing Group PLC (VIC)?
Victorian Plumbing Group PLC reported trailing-twelve-month revenue of about £326M (latest available figure, as of Nov 3, 2026).
Does Victorian Plumbing Group PLC pay a dividend?
Victorian Plumbing Group PLC currently shows a dividend yield of 2.55% relative to its recent price (as of Nov 3, 2026).
What growth is priced into Victorian Plumbing Group PLC (VIC)?
For today's price to be fair in a discounted-cash-flow model, Victorian Plumbing Group PLC would have to grow free cash flow by +7.1 % per year for five years (discount rate 12.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.0 % per year. As of Nov 3, 2026.
What discount rate (WACC) does the fair value of VIC use?
Our models discount Victorian Plumbing Group PLC at 12.2 %: a base by market capitalisation (small), damped by beta 1.14, country premium for United Kingdom. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Victorian Plumbing Group PLC that is +7.1 % per year a year over ten years, using the same discount rate (12.2 %) and the same formula as our fair value.
How much growth has Victorian Plumbing Group PLC (VIC) delivered so far?
Over the past 5 years revenue at Victorian Plumbing Group PLC grew +8.0 % a year. The price currently implies +7.1 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Victorian Plumbing Group PLC (VIC) growing?
The median revenue growth in the sector is +4.6 % a year. That is the yardstick for the growth priced into Victorian Plumbing Group PLC (+7.1 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Victorian Plumbing Group PLC (VIC)?
The free-cash-flow yield on the price is 7.18 %: that much free cash flow Victorian Plumbing Group PLC produces per unit of market value. When it exceeds the discount rate of our models (12.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Victorian Plumbing Group PLC (VIC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Victorian Plumbing Group PLC it is £0.8600 per share (as of Nov 3, 2026), against a price of £0.8630. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Victorian Plumbing Group PLC stock overvalued or undervalued in 2026?
As of Nov 3, 2026, VIC trades above its calculated fair value: price £0.8630, fair value £0.8600, a gap of about −0% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of VIC?
No. The price is what the market pays today (£0.8630); the fair value is what the company's own numbers justify (£0.8600). For Victorian Plumbing Group PLC the two are £0.0030 per share apart. That gap is exactly why we show both numbers side by side.
How much is Victorian Plumbing Group PLC worth?
The market values Victorian Plumbing Group PLC at about £287M (market capitalisation, as of Nov 3, 2026). Per share that is £0.8630; our models calculate a fair value of £0.8600 per share.
What do the bullish and bearish scenarios say about VIC?
Our models span a range for Victorian Plumbing Group PLC: cautious scenario £0.6500, base £0.8600, optimistic £1.08 per share (as of Nov 3, 2026, price £0.8630). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of VIC?
Victorian Plumbing Group PLC trades at a price-to-earnings ratio of 21.6 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £0.8600 is built from several models across several years. Excluding one-off items of fiscal year 2025 it is 16.0 (reported for FY2025: 22.1). Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings, FY2025 ex one-offs: 23.7. Other multiples: P/B 4.7, P/S 0.9, EV/EBITDA 9.0.
How solid is the balance sheet of Victorian Plumbing Group PLC (VIC)?
Balance-sheet figures for Victorian Plumbing Group PLC (as of Nov 3, 2026): return on equity 22.9%. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is VIC from its 52-week high?
Victorian Plumbing Group PLC trades at £0.8630, about 4% below its 52-week high of £0.8970 and 35% above the low of £0.6378 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of £0.8600 is for.
Which stocks are comparable to Victorian Plumbing Group PLC?
From the same area (Consumer Cyclical) we also value The Home Depot, Inc, Lowe's Companies, Inc, Wesfarmers Limited, Floor & Decor Holdings, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Victorian Plumbing Group PLC stock attractive at the current price?
The data as of Nov 3, 2026: price £0.8630, calculated fair value £0.8600 (−0%), Quality Score 62/100, from 26 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of VIC calculated?
We run Victorian Plumbing Group PLC through 26 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of £0.8600, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 15.6% above its aggregate fair value. Victorian Plumbing Group PLC itself currently trades above fair value. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Victorian Plumbing Group PLC (VIC)?
The closing price on Nov 5, 2026 was £0.8630. Our model-based fair value is £0.8600, about 0% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Victorian Plumbing Group PLC right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Key figures of Victorian Plumbing Group PLC
How large is the market capitalisation of Victorian Plumbing Group PLC (VIC)?
The market capitalisation of Victorian Plumbing Group PLC is £287M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Victorian Plumbing Group PLC (VIC)?
The price-to-sales ratio of Victorian Plumbing Group PLC is 0.88 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Victorian Plumbing Group PLC (VIC)?
Earnings per share at Victorian Plumbing Group PLC are £0.0400 (price ÷ EPS = P/E 21.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Victorian Plumbing Group PLC (VIC)?
The dividend yield of Victorian Plumbing Group PLC is 2.5% (payout 39.7%, on adjusted earnings, reported 55.0%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Victorian Plumbing Group PLC (VIC)?
The net margin of Victorian Plumbing Group PLC is 4.4% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Victorian Plumbing Group PLC (VIC)?
The return on equity (ROE) of Victorian Plumbing Group PLC is 22.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Victorian Plumbing Group PLC (VIC)?
On an EBIT basis the return on assets of Victorian Plumbing Group PLC is 14.8% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Victorian Plumbing Group PLC (VIC)?
The operating margin of Victorian Plumbing Group PLC is 5.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Victorian Plumbing Group PLC (VIC)?
Revenue at Victorian Plumbing Group PLC is growing +10.5% versus a year earlier (3y avg +4.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Victorian Plumbing Group PLC (VIC)?
Earnings per share at Victorian Plumbing Group PLC are growing +11.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Victorian Plumbing Group PLC (VIC) carry?
The net debt of Victorian Plumbing Group PLC is £33.4M (fiscal year 2025, ≈ 1.6 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Broad data
Nov 3, 2026