Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
CAB Payments Holdings plc is a British holding company specializing in business-to-business cross-border payments and foreign exchange services, particularly facilitating transactions between developed markets and hard-to-reach emerging markets in Africa, Asia, the Middle East, and Latin America. As the parent of Crown Agents Bank, a UK-regulated entity by the PRA and FCA, it enables clients including commercial banks, central banks, payment fintechs, and international development agencies to access over 100 currencies and countries through proprietary networks, payment rails like SWIFT, and Nostro accounts. Key features include its EMPowerFX platform for efficient FX transactions, a recent Visa partnership for cost-effective last-mile payments to bank accounts and mobile wallets in expanding corridors, and innovations in trade finance and overdrafts. With average transaction sizes around US$100k and 2024 volumes of £37 billion, CAB Payments Holdings plc targets high-growth economies exceeding 4% GDP expansion, leveraging structural advantages in efficiency and regulatory access over larger banks and non-bank fintechs to serve underserved B2B flows bidirectionally. Following a strategic reset post-2023 IPO, including leadership enhancements and cost reductions, it focuses on network expansion, client diversification, platform upgrades, and sustainable growth.
£0.78
£0.01 (-0.64%)
EOD Jul 3, 2026
Net margin is thin at 11.53%. This may reflect rising credit costs, rate compression, or operational inefficiency.
Revenue grew 11.4% YoY.
At 15x earnings, the multiple is above the banking sector average. Financials rarely sustain elevated multiples through credit cycles.
15.0x earnings. In line with financial-sector norms. The question is whether the current credit environment supports sustained earnings at this level.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£118M
▲ +11.4% YoY
Net Income (TTM)
£14M
▼ -4.6% YoY
Net Margin
11.53%
P/E
15.0x
Balance Sheet
Total Assets
£1.66B
Equity
£161M
Total Debt
£19M
Cash & Equiv.
£485M
3Y CAGR: +2.4%
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At a P/E of 15.0, Cab Payments Holdings (CABP.XLON)'s valuation is best read against its own history, its peers, and the growth its price implies. A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Cab Payments Holdings scores 67/100 on Intrinsiqq's quality scorecard, weighing growth, margins, returns on capital, share count, and balance-sheet strength. All figures are computed from SEC filings; read the full . This is analysis, not investment advice.
Cab Payments Holdings scores 67 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a solid business on these measures. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
That depends on valuation and quality together, not either alone. you should weigh CABP.XLON's valuation and scores 67/100 on quality (solid). A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.