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CAB Payments Holdings plc (CABP.L)

GBp77.30 +0.20 (+0.26%)
GB LSE Financial Services Banks - Regional
Address 3 London Bridge Street SE1 9SG
London, GB
CEO Neeraj Kapur
IPO 2023-07-06
ISIN GB00BMCYKB41

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Description

CAB Payments Holdings Limited, through its subsidiaries, provides foreign exchange (FX) and cross-border payments services to banks, fintech companies, supranationals, and governments in the United Kingdom and internationally. The company offers EMpower FX, a digital platform for day-to-day exposures in FX; EMpower Payments, an end-to-end automated payments gateway for cross-border payments; EMpower Connect, a single account that supports cross-border and FX payments across various currencies; and EMpower Pensions, a pension payment full-service platform. It also provides a range of banking and other services, including transaction and deposit accounts, and trade finance solutions; and B2B payment gateway software services. The company was formerly known as CABIM Limited and changed its name to CAB Payments Holdings Limited in March 2023. CAB Payments Holdings Limited was incorporated in 2015 and is headquartered in London, United Kingdom.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
GBp77.30 +0.20 (+0.26%)
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Volume Profile
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Liquidity & share structure
Average Volume
171.1K
Beta
1.50
Float Shares
98.98M
Free Float %
39.0%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-1.00% -1.87% -7.39% -6.29% +58.12% +27.46% +90.58% -73.96% -73.96% -73.96% -73.96%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
vs.
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
77.30
DCF (Unlevered) 175.31 +126.8%
DCF (Levered) 170.76 +120.9%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 50% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 1 -1
Hold 1 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
0.66
Distress
Piotroski F-Score
7 / 9
Strong
Composite Rating
A-
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
3 / 5
Medium
D/E Score
3 / 5
Medium
P/E Score
3 / 5
Medium
P/Book Score
3 / 5
Medium
Operational MOAT
  • Revenue growth
    +39.6% Q4'25: -0.7% (vs Q4'23)
  • EPS growth
    -7.0% Q4'25: +20.1% (vs Q4'23)
  • FCF margin
    Q4'25: +42.2% (vs Q4'23)
  • EBIT margin
    Q4'25: +18.7% (vs Q4'23)
  • ROIC
    Q4'25: -57.6% (vs Q4'23)
  • Share dilution
    +2.6% Q4'25: +2.7% (vs Q4'23)
  • Debt / EBITDA
    Q4'25: 0.31× (vs Q4'23)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.53) × ERP
WACC = 92% × Ke + 8% × Kd (156.4%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 175.31 Current price: 77.30
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2022
actual
Dec 2023
actual
Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
2 EPS Ana.
Dec 2027
3 Rev. Ana.
2 EPS Ana.
Dec 2028
2 Rev. Ana.
2 EPS Ana.
Dec 2029
1 Rev. Ana.
1 EPS Ana.
Revenue
32.97M
est: 61.54M (-46.4%)
167.92M
est: 88.63M (+89.5%)
105.54M
est: 105.00M (+0.5%)
147.38M
est: 110.43M (+33.5%)
124.90M
121.93M – 126.41M
+13.1% YoY
137.20M
130.89M – 140.40M
+9.8% YoY
150.30M
148.80M – 151.80M
+9.5% YoY
172.00M
167.91M – 174.08M
+14.4% YoY
EBITDA
-37.38M
est: 2.65M (-1,510.5%)
43.47M
est: 5.72M (+660.3%)
est: 6.77M (-100.0%)
18.52M
est: 7.12M (+160.0%)
8.06M
7.87M – 8.15M
+13.1% YoY
8.85M
8.44M – 9.06M
+9.8% YoY
9.70M
9.60M – 9.79M
+9.5% YoY
11.10M
10.83M – 11.23M
+14.4% YoY
EBIT
-43.12M
est: -5.11M (-744.5%)
37.62M
est: -3.04M (+1,338.7%)
-8.53M
est: -3.60M (-137.2%)
18.52M
est: -3.78M (+589.5%)
-4.28M
-4.33M – -4.18M
-13.1% YoY
-4.70M
-4.81M – -4.48M
-9.8% YoY
-5.15M
-5.20M – -5.10M
-9.5% YoY
-5.89M
-5.96M – -5.75M
-14.4% YoY
Net Income
31.00M
est: 125.62M (-75.3%)
22.71M
est: 19.38M (+17.2%)
14.21M
est: 16.63M (-14.5%)
13.56M
est: 15.06M (-10.0%)
20.18M
19.71M – 20.66M
+34.0% YoY
22.94M
21.60M – 24.29M
+13.7% YoY
26.33M
22.54M – 30.13M
+14.8% YoY
42.24M
40.93M – 42.90M
+60.4% YoY
SGA
2.70M
est: 2.31M (+16.5%)
4.86M
est: 3.10M (+56.8%)
4.29M
est: 3.68M (+16.7%)
est: 3.87M (-100.0%)
4.37M
4.27M – 4.42M
+13.1% YoY
4.80M
4.58M – 4.91M
+9.8% YoY
5.26M
5.21M – 5.31M
+9.5% YoY
6.02M
5.88M – 6.09M
+14.4% YoY
EPS
0.46
est: 0.49 (-6.7%)
0.10
est: 0.08 (+25.3%)
0.06
est: 0.06 (-13.0%)
0.05
est: 0.06 (-8.6%)
0.08
0.08 – 0.08
+33.7% YoY
0.09
0.08 – 0.09
+12.8% YoY
0.10
0.09 – 0.12
+14.8% YoY
0.16
0.16 – 0.16
+60.4% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-29 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-28 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-27 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-26 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-22 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-21 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-20 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-19 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-18 A- 4/5 5/5 4/5 3/5 3/5 3/5 3/5
2026-05-15 A- 4/5 5/5 3/5 4/5 3/5 3/5 3/5
2026-05-14 A- 4/5 5/5 3/5 4/5 3/5 3/5 3/5
2026-05-13 A- 4/5 5/5 3/5 4/5 3/5 3/5 3/5
2026-05-12 A- 4/5 4/5 3/5 4/5 3/5 3/5 3/5
2026-05-11 A- 4/5 4/5 3/5 4/5 3/5 3/5 3/5
2026-05-08 A- 4/5 4/5 3/5 4/5 3/5 3/5 3/5
2026-05-07 A- 4/5 4/5 3/5 4/5 3/5 3/5 3/5
2026-05-06 A- 4/5 5/5 3/5 4/5 3/5 3/5 3/5
2026-05-05 A- 4/5 5/5 3/5 4/5 3/5 3/5 3/5
2026-05-01 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-04-30 A- 4/5 4/5 4/5 4/5 3/5 3/5 3/5
2026-04-29 A 4/5 5/5 4/5 4/5 3/5 3/5 3/5
2026-04-28 A 4/5 5/5 4/5 4/5 3/5 3/5 3/5
2026-04-27 A 4/5 5/5 4/5 4/5 3/5 3/5 3/5
2026-04-24 A- 4/5 4/5 4/5 4/5 2/5 3/5 3/5
2026-04-23 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-22 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-21 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-20 A- 4/5 5/5 4/5 4/5 2/5 3/5 3/5
2026-04-17 A 4/5 5/5 4/5 5/5 2/5 3/5 3/5
2026-04-16 A 4/5 5/5 4/5 5/5 2/5 3/5 3/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
8.98M
OE per share TTM
0.04
Owner's Yield
4.48%
Maintenance CapEx ratio
1.49%
Maint CapEx / Avg PPE
9.4%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 2 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 State Street SPDR FTSE UK All Share UCITS ETF (Dist) FTAD.L 0.00% 41.8K 0.20%
2 State Street SPDR FTSE UK All Share UCITS ETF (Acc) FTAL.L 0.00% 41.8K 0.20%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
50.6K
Shares Outstanding
253.86M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Neeraj Kapur ACGI FCIBS Group Chief Executive Officer & Executive Director 1M male
James William Alistair Hopkinson Group Chief Financial Officer & Executive Director 428.2K male
David Bee Chief Commercial Officer male
Gaurav Patel Head of Investor Relations
Marcia Jones Group Head of Human Resources female
Mat Loup Head of Media Relations
Matthew Talty Group Head of Banking male
Simon Ramage General Counsel male
Charlie Bronks Head of Responsible Business female
Stuart Houlston Chief Operating Officer male
Clare Davies Chief Risk Officer female
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits