Concordia Financial Group, Ltd.
FAIR PRICE VALUATION
Updated daily
Model: DCF 50% · Relative 30% · Consensus 20%
MARKET PRICE
$28.55
FAIR PRICE
$18.34
MARGIN
$10.21
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FPI RATING
Strong profitability, but limited growth momentum and below-average fundamental quality.
Analytical data, not an investment recommendation. Updated daily.
How we calculate this ↗MARGIN OF SAFETY
A 20% margin of safety below fair value — the conservative entry level for risk-aware investors.
SAFETY MARGIN
20%
Below fair value
ENTRY LEVEL
$14.67
Fair price × 0.80
DISTANCE
48.6%
Price to entry level
At the current price of $28.55, CRDIY trades 48.6% above the conservative entry level of $14.67. This entry level represents a 20% margin of safety below the calculated fair price of $18.34 — a buffer that accounts for estimation uncertainty in the valuation model.
Margin of safety is a risk management concept, not an investment recommendation. The 20% threshold follows Benjamin Graham's value investing framework. Fair price and entry levels are model-based estimates updated daily. Learn more about Margin of Safety ↗
VALUATION HISTORY
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P/E RATIO HISTORY
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METHODOLOGY
How we calculate CRDIY's fair price
Concordia Financial Group, Ltd.'s fair price of $18.34 is derived from a blended model that combines DCF analysis (50%), relative valuation against Financial Services peers using metrics like P/E and EV/EBITDA (30%), and analyst consensus (20%). At the current market price of $28.55, CRDIY trades 35.8% above its calculated fair value.
DCF MODEL · 50%
Discounted free cash flow analysis based on projected cash flows, discounted at a rate reflecting CRDIY's risk profile.
RELATIVE · 30%
Comparing CRDIY's valuation multiples against Financial Services peers to determine if the stock is over or undervalued relative to its industry.
ANALYST · 20%
Aggregated analyst price targets for CRDIY, weighted by recency and analyst accuracy.
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What is the fair price of CRDIY?+
Based on our blended model combining DCF analysis (50%), relative valuation against Financial Services peers (30%), and analyst consensus (20%), the fair price for Concordia Financial Group, Ltd. is $18.34. At the current market price of $28.55, CRDIY trades 35.8% above its calculated fair value.
Is CRDIY overvalued or undervalued?+
Concordia Financial Group, Ltd. is currently overvalued based on our valuation model. The stock trades at $28.55, which is 35.8% above the fair price of $18.34. The P/E ratio of 19.5x is a key metric in the valuation.
What is the margin of safety for CRDIY?+
With a 20% margin of safety applied to the fair price of $18.34, the conservative entry level for CRDIY is $14.67. At the current market price of $28.55, the stock trades 48.6% above this entry level. Margin of safety is a risk management concept from Benjamin Graham's value investing framework, not an investment recommendation.
How often is CRDIY's fair price updated?+
We update fair price calculations for CRDIY daily after market close. The current fair price of $18.34 incorporates the latest market data and sector multiples.
What factors affect CRDIY's fair price calculation?+
CRDIY's fair price of $18.34 is derived from DCF analysis (50% weight), relative valuation against Financial Services peers (30% weight), and analyst consensus (20% weight). Key metrics include P/E of 19.5x, ROE of 6.7%.
Is CRDIY a good buy right now?+
At $28.55, CRDIY trades 35.8% above our fair value estimate of $18.34. The stock is currently overvalued. ROE stands at 6.7% (average). Fair Price Index provides valuation data — always do your own research before investing.
Does CRDIY pay dividends?+
CRDIY does not currently pay a dividend.
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Fair Price Index is for informational purposes only and does not constitute investment advice. Fair value calculations are model-based estimates and may not reflect actual market conditions. Always conduct your own research before making investment decisions.