Shawbrook Group PLC (SHAW) fair value: what the stock is really worth
We calculate from audited financials what Shawbrook Group PLC is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily, free.
Compare price with fair valuebelow fair value = cheap, above = expensive
Check the quality50 and up solid, 75 and up strong
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Financial Services · GB · Market cap 1.8B GBX
At a glance
SGShawbrook Group PLCSHAW · LSE
Price£3.18
Fair Value£6.15
Upside+93.4%
Quality41/100
Below-average quality, trading 48% below our fair value of £6.15.
As of Aug 28, 2026, the fair value of Shawbrook Group PLC is £6.15 per share against a price of £3.18, so the fair value sits 93% above the price. A model estimate from reported figures, not an analyst target.
✓Healthy Growth (revenue 5y +27.4 %/yr)
✓Highly profitable · 32.3% net margin
✓generates free cash flow
!Mixed vs. peers (6/13)
✓Wide moat 68/100
!Weak on dividend: 9 out of 100
Evidence: HighRange £4.61 to £7.68
Fair value as of: Aug 28, 2026
From 6 valuation models · updated 14 days ago
Share price −3.5% over the past month.
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69 individual criteria per stock, every one traceable See the method →
What matters now
The large discount to fair value meets weak quality (41/100). That raises the risk this is a value trap rather than a bargain.
The price is below even our cautious bear case (£4.61). The market is more pessimistic than our downside scenario.
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 (10 months)
White line = price, green steps = our fair value per fiscal year. As of Aug 28, 2026.
How to read this chart
10‑month range £2.93 – £5.04 · fair‑value band £4.61 – £7.68 · the £3.18 price screens below the £6.15 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Aug 28, 2026.
Shawbrook Group PLC (SHAW) currently trades at £3.18, while our model-based Fair Value estimate is £6.15, implying the stock looks roughly 48.3% undervalued today. The Quality Score stands at 41/100 (below-average quality), in the Financial Services sector. Bull case: the Multiples group reads highest at a median of £6.40 per share, and 3 of the 6 models we run sit above the £3.18 price. Bear case: the Asset-Based group reads lowest at £2.38, and 3 of the 6 models stay below the price. Evidence for this calculation is high.
Over the trailing twelve months, Shawbrook Group PLC generated revenue of £605M at a net margin of 32.3%. Revenue declined 0.1% year over year. It earns a return on equity of 11.4%. Net debt stands at £238M. Fundamentals as of Aug 28, 2026
Scenario range: £4.61 (bear) to £7.68 (bull), the price of £3.18 sits below it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target. For context, the median of 10 Financial Services peers we cover trades at −13% fair-value upside, at 93%, SHAW screens cheaper than that median.
Fair Value models
Based on fiscal year 2025 figures (about 8 months old). Earnings retained since then (£0.2436 per share) are deliberately not added.
Each model values the company its own way; the fair value above is the evidence-weighted blend. Evidence (0 to 100) shows how complete a model's inputs are. How we calculate →
ModelBear ⓘ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
Residual Income best evidence£2.96£3.24£4.5076
Gordon GGM£0.1000£0.1800£0.250068
DDM Multi-Stage£0.1000£0.1700£0.200067
All 6 models by family
Dividend Discount
Gordon GGM£0.1000£0.1800£0.250068
DDM Multi-Stage£0.1000£0.1700£0.200067
Multiples
P/E Multiple£4.80£6.40£7.9963
P/B Multiple£4.80£6.40£7.9955
Asset-Based
NCAV (Graham)£1.77£2.38£3.5551
Economic Profit
Residual Income best evidence£2.96£3.24£4.5076
Widest divergence: Multiples (£6.40) versus Dividend Discount (£0.1700). Highest evidence: Residual Income (76).
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Key figures & financial health
P/E ratio9.1
P/S ratio2.58P/E × margin
EPS (TTM)£0.3500price ÷ EPS = P/E 9.1
Dividend yield0.4%payout 3.9%
Net margin28.4%FY2025
Return on equity11.4%TTM
More key figures
Profitability
Return on assets (EBIT)1.5%avg 5y
Operating margin36.5%TTM
Growth
Revenue (TTM)£605MTTM
Revenue growth (YoY)−0.1%3y avg +1.5%
EPS growth (YoY)−73.7%
Balance sheet & cash flow
Free cash flow1.0B GBXFY2025
Net debt238M GBXFY2025 · ≈ 0.2 yrs of FCF
Figures from reported company fundamentals · as of Aug 28, 2026. TTM = trailing twelve months.
Quality Score breakdown
Overall quality41/100
Of which business quality 44
· Market factors (momentum, volatility) 29
Profitability35
Margins and returns on capital today
Quality Growth44
Are margins and returns improving?
Cashflow100
Earnings quality: real cash, not paper profit
Fin. Strength29
Balance sheet, leverage, solvency risk
Investment37
Disciplined investing over empire-building
Low Volatility39
Calm price path (market factor)
Momentum30
Price trend over the last 3–12 months (market factor)
52W Momentum14
Distance to the 52-week high (market factor)
Net Issuance0
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.
All values are scores from 0 to 100 (100 = best against fixed, research-based bands), not percentages. The three market factors (momentum, 52-week proximity, low volatility) are displayed but carry zero weight in the headline number: market sentiment is not a business property.
About the company
Shawbrook Group PLC, through its subsidiary, Shawbrook Bank Limited, provides lending and savings products and services to private and business customers in the United Kingdom.
Full company description
Shawbrook Group PLC, through its subsidiary, Shawbrook Bank Limited, provides lending and savings products and services to private and business customers in the United Kingdom. It offers personal and business savings; personal, wedding, home improvement, car, debt consolidation, and point of sale loans; and asset, structured, leveraged, fund, platform, revolving credit, point of sale, and other finances, as well as corporate lending. The company also provides buy-to-let mortgages, commercial mortgages, development finance, and bridging finance services. Shawbrook Group PLC was incorporated in 2010 and is based in Brentwood, United Kingdom. Shawbrook Group PLC was formerly a subsidiary of Marlin Bidco Limited.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Shawbrook Group PLC reported revenue of £688M in FY2025 versus £466M in FY2021, a compound +10.2%/yr. Reported net income was £196M in FY2025, compounding +7.0%/yr from FY2021.
Growth Quality 95/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
£688M
Avg. revenue 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.
+45.2%
Avg. revenue 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.
+27.4%
Avg. revenue growth/yr (12Y) ⓘ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.
+29.5%
EBIT margin (trend) ⓘ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.
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.
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.
This stockSector peers
VALUE100· sector 33
FUTURE0· sector 44
PAST46· sector 41
HEALTH0· sector 85
DIVIDEND9· sector 51
Insider activity: 35/100
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
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Is Shawbrook Group PLC (SHAW) overvalued or undervalued?
As of Aug 28, 2026, our model estimates a fair value of £6.15 versus a price of £3.18, about +93% upside (undervalued).
What is the fair value of SHAW?
Our model-based fair value for Shawbrook Group PLC is £6.15 (as of Aug 28, 2026), built from audited fundamentals. The current price: £3.18.
What is the quality score of SHAW?
Shawbrook Group PLC has a Quality Score of 41/100. 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 Shawbrook Group PLC (SHAW)?
Our model-based price target is the fair value of £6.15 (as of Aug 28, 2026) from 6 valuation models. Cautious scenario £4.61, optimistic scenario £7.68. It is a calculation from audited fundamentals, not an analyst target.
What is the Shawbrook Group PLC stock forecast for 2026?
Our models put fair value at £6.15, about +93% upside versus a price of £3.18 (undervalued). Cautious scenario £4.61, optimistic scenario £7.68. The calculation is refreshed regularly with new filings.
What is the revenue of Shawbrook Group PLC (SHAW)?
Shawbrook Group PLC reported trailing-twelve-month revenue of about £605M (latest available figure, as of Aug 28, 2026).
What is the net profit margin of SHAW?
The net profit margin of Shawbrook Group PLC is about 32.3%, meaning it keeps roughly 32.3% of revenue as net income. Based on the latest reported figures.
Does Shawbrook Group PLC pay a dividend?
Shawbrook Group PLC currently shows a dividend yield of about 0.43% relative to its recent price (as of Aug 28, 2026).
What is the intrinsic value of Shawbrook Group PLC (SHAW)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Shawbrook Group PLC it is £6.15 per share (as of Aug 28, 2026), against a price of £3.18. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Shawbrook Group PLC stock overvalued or undervalued in 2026?
As of Aug 28, 2026, SHAW trades below its calculated fair value: price £3.18, fair value £6.15, a gap of about +93% (undervalued). 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 SHAW?
No. The price is what the market pays today (£3.18); the fair value is what the company's own numbers justify (£6.15). For Shawbrook Group PLC the two are £2.97 per share apart. That gap is exactly why we show both numbers side by side.
How much is Shawbrook Group PLC worth?
The market values Shawbrook Group PLC at about 1.8B GBX (market capitalisation, as of Aug 28, 2026). Per share that is £3.18; our models calculate a fair value of £6.15 per share.
What do the bullish and bearish scenarios say about SHAW?
Our models span a range for Shawbrook Group PLC: cautious scenario £4.61, base £6.15, optimistic £7.68 per share (as of Aug 28, 2026, price £3.18). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SHAW?
Shawbrook Group PLC trades at a price-to-earnings ratio of 9.1 (as of Aug 28, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £6.15 is built from several models across several years. Other multiples: P/B 1.3, P/S 4.0, EV/EBITDA 1.8.
How solid is the balance sheet of Shawbrook Group PLC (SHAW)?
Balance-sheet figures for Shawbrook Group PLC (as of Aug 28, 2026): return on equity 11.4%. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
Which stocks are comparable to Shawbrook Group PLC?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Shawbrook Group PLC stock attractive at the current price?
The data as of Aug 28, 2026: price £3.18, calculated fair value £6.15 (+93%), Quality Score 41/100, from 6 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 SHAW calculated?
We run Shawbrook Group PLC through 6 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 £6.15, 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 32.6 % above its aggregate fair value. Shawbrook Group PLC currently trades 93 % below its own fair value, and the market average says nothing about that. 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 <a href="/is-it-worth-investing-now/">is it worth investing now</a>.
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