# BIOPHARMA CREDIT PLC (BPCR.L) fundamentals

Data as of 2026-09-08. LSE, United Kingdom. Sector: Financial Services. Price $0.97, market value $1.1 billion.

## Valuation
- **P/E (trailing): 8.8×** (5-yr avg 7.3×, 3-yr avg 7.6×). BIOPHARMA CREDIT PLC trades at 8.8× trailing earnings, close to its own five-year average of 7.3×. The Financial Services median in the September 2026 study was 13.1×.
- **Price / sales: 4.1×**. Each dollar of revenue is priced at 4.1×.
- **Price / book: 0.9×**. The shares trade below book value, which can signal a bargain or a balance sheet the market doubts.
- **EV / EBITDA: 5.3×**. Enterprise value is 5.3× operating earnings before depreciation, the multiple that ignores how the company is financed; below 8× is inexpensive for most sectors.
- **Free-cash-flow yield: 18.7%** (5-yr avg 14.1%). Free cash flow equals 18.7% of the market value, above its five-year average of 14.1%, so the shares are cheaper on cash than they have usually been. Above 5% is generally attractive.
- **Earnings yield: 11.4%**. The inverse of the P/E: 11.4% of the price is earned each year.

## Profitability
- **Gross margin: 101.2%**. BIOPHARMA CREDIT PLC keeps 101.2% of revenue after the direct cost of what it sells, the kind of margin that comes with software, brands or pricing power.
- **Operating margin: 95.2%**. 95.2% of revenue is left after running the business, an exceptional level.
- **Net margin: 92.6%**. 92.6% of each dollar of sales reaches the bottom line.
- **Return on equity: 11.3%**. 11.3% on shareholders' equity is solid.
- **Return on invested capital: 22.1%**. Return on all capital, debt included, is 22.1%: comfortably above what that capital costs.
- **Return on assets: 21.6%**. Each dollar of assets produces 21.6% of profit; low single digits are normal for banks and insurers.

## Growth
- **Revenue growth (1 yr): 12.7%** (3-yr -13.1%/yr, 5-yr 7.9%/yr). Revenue grew 12.7% over the last year, against 7.9% a year compounded over five years: growth is accelerating.
- **EPS growth (1 yr): 10.0%** (3-yr -5.4%/yr, 5-yr 11.1%/yr). Earnings per share rose 10.0%, roughly in step with revenue.
- **Free-cash-flow growth (3 yr): -20.9%/yr**. Free cash flow has compounded at -20.9% a year over three years, lagging earnings: check whether profits are turning into cash.

## Financial health
- **Piotroski F-score: 7/9**. 7 of 9 fundamental checks pass: strong and improving financials.
- **Cash and short-term investments: $13 million**. Leverage ratios are shown differently for banks and insurers, whose balance sheets are built on deposits and reserves; use return on equity and the regulatory capital in the filings instead.

## Dividends
- **Dividend yield: 7.31%** ($0.07 per share, trailing). BIOPHARMA CREDIT PLC yields 7.31%, high enough to check carefully: yields this high often precede a cut.
- **Payout ratio: 85%** (140% of free cash flow). 85% of earnings goes out as dividends, leaving a thin cushion.
- **Dividend growth (5 yr): 3.1%/yr** (1-yr -5.9%). The dividend has grown 3.1% a year over five years.
- **Shareholder yield: 21.8%**. Dividends plus net buybacks return 21.8% of the market value a year.

## Price and momentum
- **Total return (1 yr): 15.1%** (YTD 12.5%, 3-mo 1.9%). The shares are up 15.1% over twelve months including dividends.
- **From 52-week high: -3.4%** (10.3% above the low). Trading within 5% of its 52-week high.
- **200-day average: above**. The price sits above its 200-day moving average, the usual definition of an uptrend.
- **RSI (14-day): 40**. An RSI of 40 is neutral.
- **Beta (1 yr): 0.17** (volatility 12%). Beta of 0.17 against the FTSE All-Share: the shares move much less than the market.

Live score and charts: https://foliofundamentals.com/analyzer?s=BPCR.L · Page: https://foliofundamentals.com/stocks/bpcr.l

Not investment advice.