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Fidelity BankNSA:FBP +2.05%71 Peter Lynch Fair Value is ₦120.95 as of Jul. 15, 2026, which is 100% below its 10-year median of 0.21. GuruFocus rates NSA:FBP with a GF Score™ of 71/100 and a GF Value™ of ₦14.28 (Significantly Overvalued). The stock has 4 warning signs investors should review. Among 872 Banks companies, Fidelity Bank ranks better than 99.43% on this metric.
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year. Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years. If 5-Year Growth Rate is greater than 25% a year, we use 25. If 5-Year Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Here, as of today, Fidelity Bank's PEG is 1. Fidelity Bank's 5-Year TTM Book Value Growth Rate is 20.86.
Fidelity Bank's EPS without NRI for the trailing twelve months (TTM) ended in Mar. 2026 was ₦5.80. Therefore, the Peter Lynch Fair Value for today is ₦120.95.
As of today (2026-07-15), Fidelity Bank's share price is ₦19.90. Fidelity Bank's Peter Lynch fair value is ₦120.95. Therefore, Fidelity Bank's Price to Peter Lynch Fair Value Ratio for today is 0.16.
The historical rank and industry rank for Fidelity Bank's Peter Lynch Fair Value or its related term are showing as below:
NSA:FBP'
s Price-to-Peter-Lynch-Fair-Value Range Over the Past 10 Years
Min: 0.07 Med: 0.21 Max: 0.37
Current: 0.08
During the past 13 years, the highest Price to Peter Lynch Fair Value Ratio of Fidelity Bank was 0.37. The lowest was 0.07. And the median was 0.21.
NSA:FBP's Price-to-Peter-Lynch-Fair-Value is ranked better than 99.43% of 872
companies
in the Banks industry
Industry Median: 1.12
vs NSA:FBP: 0.08
Note: Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart.
Fidelity Bank (NSA:FBP) Peter Lynch Fair Value Explanation
Peter Lynch Fair Value applies to growing companies. The ideal range for the growth rate is between 10 - 20% a year.
Peter Lynch thinks that the fair P/E value for a growth company equals its growth rate, that is PEG = 1. The earnings here is trailing twelve month (TTM) earnings. For non-bank companies, the growth rate we use is the average growth rate for EBITDA per share over the past 5 years. For Banks, the growth rate we use is the average growth rate for Book Value per share over the past 5 years.
Please don't confuse Peter Lynch Fair Value with the value reached in Peter Lynch Chart. In Peter Lynch chart, a fixed P/E ratio of 15 is used to draw the Earnings Line. Therefore the value reached has a P/E ratio of 15. But in Peter Lynch Fair Value calculation, P/E equals to the growth rate of Book Value per share over the past 5 years, which is 20.86 instead of 15 in this case.
Fidelity Bank's Price to Peter Lynch Fair Value Ratio for today is calculated as
Price to Peter Lynch Fair Value
=
Share Price
/
Peter Lynch Fair Value
=
19.90
/
120.95
=
0.16
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Fidelity Bank Peter Lynch Fair Value Related Terms
Fidelity Bank Peter Lynch Fair Value Historical Data
* Premium members only.
The historical data trend for Fidelity Bank's Peter Lynch Fair Value can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
Fidelity Bank Peter Lynch Fair Value Competitor Comparison
For the Banks - Regional subindustry, Fidelity Bank's Price-to-Peter-Lynch-Fair-Value, along with its competitors' market caps and Price-to-Peter-Lynch-Fair-Value data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Fidelity Bank Price-to-Peter-Lynch-Fair-Value vs Banks Industry
For the Banks industry and Financial Services sector, Fidelity Bank's Price-to-Peter-Lynch-Fair-Value distribution charts can be found below:
* The bar in red indicates where Fidelity Bank's Price-to-Peter-Lynch-Fair-Value falls into.
Fidelity Bank's EPS without NRI for the trailing twelve months (TTM) uses the latest annual data, which was ₦5.80.
* Note that for companies that do not have enough quarterly data to calculate the 5-Year TTM EBITDA Growth Rate, we use the annual data for the calculation.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
** Please be aware that the 5-Year TTM Book Value Growth Rate is calculated based on TTM data over the last 5 years. For quarterly reported companies, the TTM data is the latest quarter data. For companies that report semi-annually, annually, or do not have enough quarterly data, GuruFocus uses the annual data as the TTM data.
If 5-Year Earnings Growth Rate is greater than 25% a year, we use 25.
If 5-Year Earnings Growth Rate is smaller than 5% a year, we do not calculate Peter Lynch Fair Value.
Please note that we use the 5-year average growth rate of EBITDA per share as the growth rate for non-bank companies, as EBITDA growth is subject to less manipulations than net earnings per share. For banks, we use the 5-year average growth rate of Book Value per share as the growth rate. The reason is that EBITDA is not applicable to Banks and Book value is a relative important measurement for Banks. In the calculation, PEG=1 because Peter Lynch thinks that the fair P/E ratio of the growth stock is equal to its earnings growth rate.
What does a Peter Lynch Fair Value of ₦120.95 mean?
Fidelity Bank (NSA:FBP) has a Peter Lynch Fair Value of ₦120.95 as of Jul. 15, 2026. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Fidelity Bank and its competitors. This is 57495% above median its historical median of 0.21. Over the past decade, Fidelity Bank's Peter Lynch Fair Value has ranged from 0.07 to 0.37. According to the industry distribution chart, Fidelity Bank ranks #5 out of 872 companies in the Banks industry, placing it in the top 0.59999999999999%.
Is Fidelity Bank's Peter Lynch Fair Value too high?
Fidelity Bank's current Peter Lynch Fair Value of ₦120.95 is 57495% above median its 10-year median of 0.21. Over the past 10 years, this metric has ranged from a low of 0.07 to a high of 0.37. Based on the distribution chart, Fidelity Bank ranks #5 out of 872 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, Fidelity Bank has a GF Score™ of 71/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Fidelity Bank's Peter Lynch Fair Value compare to competitors?
According to the Banks industry distribution chart, Fidelity Bank ranks #5 out of 872 companies for Peter Lynch Fair Value. This places Fidelity Bank in the top 1% of its industry — outperforming the majority of peers. The industry median Peter Lynch Fair Value is 1.12. Historically, Fidelity Bank's own Peter Lynch Fair Value has ranged from 0.07 to 0.37 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Peter Lynch Fair Value for a Banks company?
The median Peter Lynch Fair Value among Banks companies is 1.12, based on 872 companies in the industry. Companies in the top quartile (top 25%) have a Peter Lynch Fair Value significantly above this median, while those in the bottom quartile fall well below. However, Peter Lynch Fair Value should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Peter Lynch Fair Value mean?
A high Peter Lynch Fair Value can signal that a stock is expensive relative to its fundamentals. Peter Lynch Fair Value is the stock value based on a company's current earnings and five-year earnings growth, assuming a PEG of one. View historical data on Fidelity Bank and its competitors. For the Banks industry, the median Peter Lynch Fair Value is 1.12 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Fidelity Bank's current Peter Lynch Fair Value is ₦120.95, which is 57495% above median its own 10-year median of 0.21. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Fidelity Bank stock overvalued right now?
Based on GuruFocus' analysis, Fidelity Bank (NSA:FBP) is currently considered Significantly Overvalued. The stock's GF Value™ is ₦14.28, compared to a current price of ₦19.90 — trading 39.4% above its estimated fair value. The current Peter Lynch Fair Value is ₦120.95, which is 57495% above median its 10-year median of 0.21. Fidelity Bank's overall GF Score™ is 71/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Peter Lynch Fair Value calculated?
Peter Lynch Fair Value is calculated from a company's financial statements. For Fidelity Bank (NSA:FBP), the current Peter Lynch Fair Value is ₦120.95 as of Jul. 15, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Fidelity Bank (NSA:FBP) Overvalued in 2026?
Based on GuruFocus' analysis, Fidelity Bank stock appears to be overvalued.
The current stock price of ₦19.90 is trading 39.4% above its estimated GF Value™ of ₦14.28.
GuruFocus considers Fidelity Bank to be Significantly Overvalued.
Key valuation signals for NSA:FBP:
Peter Lynch Fair Value: ₦120.95 (57495% above median its 10-year median of 0.21)
GF Value™: ₦14.28 vs. price of ₦19.90 (39.4% above fair value)
No single metric tells the full story. See the NSA:FBP stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Fidelity Bank PLC offers banking and other financial services to corporate and individual customers. It operates through segments including Retail banking that offers retail, personal and commercial services to individuals, small and medium business customers and E-Business products to serve retail banking; Its Corporate Banking segment offers commercial and corporate banking services to corporate business customers, it covers the Power and Infrastructure, Oil and Gas Upstream and downstream, Real Estate, Agro-Allied, and other industries; and Investment banking segment is involved in the funding and management of the bank's securities, trading, and investment decisions. It generates maximum revenue from the Retail Segment.
71GF Score
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