Shawbrook Group PLC (SHAW) Fair Value & Analysis
Financial Services · GB · Market cap 1.8B GBX
What is Shawbrook Group PLC really worth?
Below-average quality, trading 47% below our fair value of £6.15.
Strengths
Risks
Fair value as of: Aug 28, 2026
From 6 valuation models · updated 8 days ago
Share price −0.6% over the past month.
What runs behind every stock
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 £3.27 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.
Analysis
Shawbrook Group PLC (SHAW) currently trades at £3.27, while our model-based Fair Value estimate is £6.15, implying the stock looks roughly 46.9% 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 2 of the 6 models we run sit above the £3.27 price. Bear case: the Asset-Based group reads lowest at £2.38, and 4 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
Our scenario range runs from £4.61 (bear case) to £7.68 (bull case); at £3.27, 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. For context, the median of 10 Financial Services peers we cover trades at −10% fair-value upside, at 88%, SHAW screens cheaper than that median.
Fair Value models
This estimate rests on fiscal year 2025 figures, and about 8 months have passed since. In that time the company retained roughly £0.2378 per share, which is 3.9 % of the fair value. The fair value deliberately does not add this in: the models value reported figures, not a projection.
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted, family-balanced 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. Every input is real reported data, nothing guessed.
All 6 models by family
Widest divergence: Multiples (£6.40) versus Dividend Discount (£0.1700). Highest evidence: Residual Income (76).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 28, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 44 · Market factors (momentum, volatility) 32
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.
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Peer Group
Banks - Regional · 1071 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.
Valuation Multiples vs Banks - Regional median · lower = cheaper
Strength profile in five axes (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.
Insider activity: 35/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate (as of Aug 28, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 75.65 SGD | 40.48 SGD | −46% |
| China Merchants Bank Co 3968 | HK$47.96 | HK$76.51 | +60% |
| Intesa Sanpaolo S.p.A ISP | €6.78 | €5.66 | −17% |
| HDFC Bank Limited HDB | $23.17 | $24.12 | +4% |
| BNP Paribas SA BNP | €102.56 | €144.64 | +41% |
| UniCredit S.p.A UCG | €84.71 | €77.62 | −8% |
| Mizuho Financial Group MFG | $10.74 | $9.69 | −10% |
| ICICI Bank Limited ICICIBANK | ₹1,443 | ₹835.21 | −42% |
| Oversea-Chinese Banking Corporation O39 | 31.07 SGD | 19.80 SGD | −36% |
| CaixaBank, S.A CABK | €13.52 | €8.85 | −35% |
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