Cyber_Folks S.A. (CBF) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Cyber_Folks S.A. stock PLN 209, price PLN 191, upside +9.5%, quality 55 out of 100. Rating: fairly valued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.
How to read this chart
60‑month range 31.77 PLN – 213.40 PLN · fair‑value band 108.38 PLN – 274.05 PLN · the 190.90 PLN price screens below the 209.11 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.
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Cyber_Folks S.A. operates as a technology company worldwide. It operates in Cyber_Folks and Vercom segments. The company's portfolio focuses on products in a subscription model.
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It provides WordPress, WooCommerce, and PrestaShop hosting; domain registration and transfer and AI site builder; data protection for internet presence; servers and internet infrastructure and TV; and SaaS e-commerce, online store builder, content creation, and customized templates for online stores.
The company also offers software for hotels, booking engine, and channel manager for hospitality; and B2B integrations for business automation services.
In addition, the company provides marketing and transactional emails, web and mobile push notifications, voice, and SMS and RCS for communication; and marketing emails, MarTech, web development and design, and iOS and Android development for marketing services.
It serves small, medium, and large business customers. The company was formerly known as R22 S.A. and changed its name to Cyber_Folks S.A. in August 2023. The company was founded in 1999 and is based in Poznan, Poland.
Stock analysis
Cyber_Folks S.A. (CBF) currently trades at 190.90 PLN, while our model-based Fair Value estimate is 209.11 PLN, so the stock looks roughly fairly valued today (gap 8.7%).
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 162.12 PLN per share, and 1 of the 24 models we run sit above the 190.90 PLN price.
Bear case: the Economic Profit group reads lowest at 42.85 PLN, and 23 of the 24 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 108.38 PLN (bear) to 274.05 PLN (bull), the price of 190.90 PLN sits inside it. Bear and bull are the same models on cautious and optimistic assumptions, a range, not a price target.
Quality & growth
The Quality Score stands at 55/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Cyber_Folks S.A. reported revenue of 855M PLN in FY2025 versus 297M PLN in FY2021, a compound +30.3%/yr. Reported net income was 63.1M PLN in FY2025, compounding +25.5%/yr from FY2021.
Key figures
Market cap 3.5B PLN (≈ $896M) Small · P/E ratio 51.6 · P/S ratio 2.96 · EPS (TTM) 3.70 PLN · Dividend yield 1.3% · Net margin 5.7% · Return on equity 13.5% · Return on assets (EBIT) 11.1% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 56 out of 100 (low confidence).
What moves the price
The share trades about 11% below its 52-week high and 18% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at 28% fair-value upside, at 10%, CBF screens richer than that median.
Fair Value models
Bear108.38 PLNFair Value 209.11 PLNBull274.05 PLN
Price 190.90 PLN · Upside +9.5%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (1.03 PLN per share) are deliberately not added.Bear ⓘBear = the cautious scenario: the same model computed with conservative anchors (lower growth, margins and valuation multiples). Together with Bull it frames a plausible valuation range, not a price target.BaseBull ⓘBull = the optimistic scenario: the same model computed with favourable anchors (higher growth, margins and valuation multiples). Together with Bear it frames a plausible valuation range, not a price target. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card.87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+30.2%
Revenue growth 3 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+29.7%
Revenue growth 5 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+32.4%
Start year 2020 (pandemic). Over 10 years: +35.1% a year
Revenue growth 10 years ⓘMeasures the company's TOTAL revenue from reported annual statements: compound average growth per year (CAGR) from the fiscal year 3, 5 or N years back to the most recent comparable fiscal year. Not per share: buybacks do not change this number, and a merger can appear as a growth jump. Per-share growth (which does include buybacks) is in the value-creation card.
+35.1%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate.
+23.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.7%
Dividend (yield on the price)1.3%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.21.7% vs 23.2%, steady
Profit margin 2020 to 2025 ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.19% → 24%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+5.9%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
+16.3%
Yearly sales growth analysts expect, extended to five years.
The revenue jump in 2026 (+32.9%) comes with 21% more shares (acquisition or merger paid in stock). Per share it is about +9.6%. The comparison above is unreliable in such a year.
After inflation (Poland: IMF forecast 3.1% a year to 2030, 4.6% from 2016 to 2025) that is about +2.6% a year for the price and +12.7% for the forecasts.
Price, fair value, quality and upside side by side.
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Peer Groupⓘ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.Information Technology Services · 479 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score55 · Below median
Fair Value upside+9.5% · Above median
Profitability
Return on equity (12 months)13.5% · Above median
Return on assets5.3% · Above median
Net margin (12 months)8.6% · Above median
Operating margin (12 months)24.8% · Top 25%
Growth and dividend
Revenue growth (quarter YoY)26.9% · Top 25%
Dividend yield (12 months)1.3% · Below median
Balance sheet
Debt / equity1.07× · Highest 25%
Valuation Multiplesvs Information Technology Services median · lower = cheaper
P/E (12 months)51.6× · Priciest 25%
P/B7.08× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (12 months)5.54× · Priciest 25%
Price / free cash flow (fiscal year)24.3× · Pricier than median
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Cyber_Folks S.A. Fair Value". https://www.fairvalue-calculator.com/stock/CBF
Frequently asked questions
Is Cyber_Folks S.A. (CBF) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of 209.11 PLN versus a price of 190.90 PLN, about +10% upside (fairly valued).
What is the fair value of CBF?
Our model-based fair value for Cyber_Folks S.A. is 209.11 PLN (as of Nov 5, 2026), built from audited fundamentals. The current price: 190.90 PLN.
What is the quality score of CBF?
Cyber_Folks S.A. has a Quality Score of 55/100. It measures business quality (profitability, growth, cash flow, balance-sheet strength, investment discipline, share issuance). Market factors such as price momentum and volatility do not enter the number; they are shown separately in the detail view.
What is the price target for Cyber_Folks S.A. (CBF)?
Our model-based price target is the fair value of 209.11 PLN (as of Nov 5, 2026) from 24 valuation models. Cautious scenario 108.38 PLN, optimistic scenario 274.05 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Cyber_Folks S.A. stock forecast for 2026?
Our models put fair value at 209.11 PLN, about +10% upside versus a price of 190.90 PLN (fairly valued). Cautious scenario 108.38 PLN, optimistic scenario 274.05 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Cyber_Folks S.A. (CBF)?
Cyber_Folks S.A. reported trailing-twelve-month revenue of about 965M PLN (latest available figure, as of Nov 5, 2026).
Does Cyber_Folks S.A. pay a dividend?
Cyber_Folks S.A. currently shows a dividend yield of 1.31% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Cyber_Folks S.A. (CBF) and when is the ex-dividend date?
Cyber_Folks S.A. pays a dividend of 2.50 PLN per share a year, a dividend yield of 1.3%. The last ex-dividend date was Jun 30, 2026. A dividend has been paid every year since at least 2019. The payout ratio is 67.6% of earnings. Free cash flow covers the dividend 4.77 times. Our assessment: Sustainable. Payout and cash coverage both look sustainable.
What growth is priced into Cyber_Folks S.A. (CBF)?
For today's price to be fair in a discounted-cash-flow model, Cyber_Folks S.A. would have to grow free cash flow by +5.9 % per year for five years (discount rate 10.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +32.4 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of CBF use?
Our models discount Cyber_Folks S.A. at 10.6 %: a base by market capitalisation (small), damped by beta 0.49, country premium for Poland. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Cyber_Folks S.A. that is +5.9 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (10.6 %) and the same formula as our fair value.
How much growth has Cyber_Folks S.A. (CBF) delivered so far?
Over the past 5 years revenue at Cyber_Folks S.A. grew +32.4 % a year. The price currently implies free-cash-flow growth of +5.9 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Cyber_Folks S.A. (CBF) growing?
The median revenue growth in the sector is +15.9 % a year. That is the yardstick for the growth priced into Cyber_Folks S.A. (+5.9 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Cyber_Folks S.A. (CBF)?
The free-cash-flow yield on the price is 7.56 %: that much free cash flow Cyber_Folks S.A. produces per unit of market value. When it exceeds the discount rate of our models (10.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Cyber_Folks S.A. (CBF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Cyber_Folks S.A. it is 209.11 PLN per share (as of Nov 5, 2026), against a price of 190.90 PLN. It is the blended result of 24 valuation models in 7 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Growth DCF, Economic Profit, Growth Earnings).
Is Cyber_Folks S.A. stock overvalued or undervalued in 2026?
As of Nov 5, 2026, CBF trades below its calculated fair value: price 190.90 PLN, fair value 209.11 PLN, a gap of about +10% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of CBF?
No. The price is what the market pays today (190.90 PLN); the fair value is what the company's own numbers justify (209.11 PLN). For Cyber_Folks S.A. the two are 18.21 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Cyber_Folks S.A. worth?
The market values Cyber_Folks S.A. at about 3.5B PLN (market capitalisation, as of Nov 5, 2026). Per share that is 190.90 PLN; our models calculate a fair value of 209.11 PLN per share.
What do the bullish and bearish scenarios say about CBF?
Our models span a range for Cyber_Folks S.A.: cautious scenario 108.38 PLN, base 209.11 PLN, optimistic 274.05 PLN per share (as of Nov 5, 2026, price 190.90 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CBF?
Cyber_Folks S.A. trades at a price-to-earnings ratio of 51.6 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 209.11 PLN is built from several models across several years. Median P/E at fiscal year-end, 8 fiscal years (2017 to 2025), reported earnings: 27.1. Other multiples: P/B 7.1, P/S 5.5, EV/EBITDA 20.7.
How solid is the balance sheet of Cyber_Folks S.A. (CBF)?
Balance-sheet figures for Cyber_Folks S.A. (as of Nov 5, 2026): return on equity 13.5%, debt of 1.07 per unit of equity. They feed the Quality Score of 55/100, which measures business quality independently of the share price.
How far is CBF from its 52-week high?
Cyber_Folks S.A. trades at 190.90 PLN, about 11% below its 52-week high of 213.40 PLN and 18% above the low of 161.86 PLN (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 209.11 PLN is for.
Which stocks are comparable to Cyber_Folks S.A.?
From the same area (Technology) we also value International Business Machines Corporation, Accenture plc, Tata Consultancy Services Limited, Infosys Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Cyber_Folks S.A. stock attractive at the current price?
The data as of Nov 5, 2026: price 190.90 PLN, calculated fair value 209.11 PLN (+10%), Quality Score 55/100, from 24 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of CBF calculated?
We run Cyber_Folks S.A. through 24 models from 7 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of 209.11 PLN builds on their evidence-weighted average, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 13.0% above its aggregate fair value. Cyber_Folks S.A. currently trades 9% below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Cyber_Folks S.A. (CBF)?
The closing price on Nov 6, 2026 was 190.90 PLN. Our model-based fair value is 209.11 PLN, about +10% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Cyber_Folks S.A. right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. A fairly wide model range (108.38 PLN to 274.05 PLN) leaves room in how you read the outcome.
Where does the earnings growth of Cyber_Folks S.A. (CBF) come from?
Earnings per share at Cyber_Folks S.A. grew +31.6 % a year from 2015 to 2025. Broken into its drivers: revenue per share +28.2 %, EBIT margin +0.5 %, tax rate +0.5 %, residual (interest, one-offs) +1.5 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Cyber_Folks S.A.
How large is the market capitalisation of Cyber_Folks S.A. (CBF)?
The market capitalisation of Cyber_Folks S.A. is 3.5B PLN (≈ $896M). The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Cyber_Folks S.A. (CBF)?
The price-to-sales ratio of Cyber_Folks S.A. is 2.96 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Cyber_Folks S.A. (CBF)?
Earnings per share at Cyber_Folks S.A. are 3.70 PLN (price ÷ EPS = P/E 51.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Cyber_Folks S.A. (CBF)?
The dividend yield of Cyber_Folks S.A. is 1.3% (payout 67.6%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Cyber_Folks S.A. (CBF)?
The net margin of Cyber_Folks S.A. is 5.7% (last twelve months). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Cyber_Folks S.A. (CBF)?
The return on equity (ROE) of Cyber_Folks S.A. is 13.5% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Cyber_Folks S.A. (CBF)?
On an EBIT basis the return on assets of Cyber_Folks S.A. is 11.1% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Cyber_Folks S.A. (CBF)?
The operating margin of Cyber_Folks S.A. is 24.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Cyber_Folks S.A. (CBF)?
Revenue at Cyber_Folks S.A. is growing +26.9% versus a year earlier (3y avg +29.7%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Cyber_Folks S.A. (CBF)?
Earnings per share at Cyber_Folks S.A. are growing +38.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Cyber_Folks S.A. (CBF) carry?
The net debt of Cyber_Folks S.A. is 301M PLN (fiscal year 2025, ≈ 1.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Nov 5, 2026