Comperia.pl S.A. (CPL) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Comperia.pl S.A. stock PLN 10.99, price PLN 11.90, that is 7.6% below the price, quality 57 out of 100. Rating: fairly valued. Calculated from audited financials with 10 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 4, 2026.
How to read this chart
60‑month range 2.10 PLN – 11.90 PLN · fair‑value band 6.36 PLN – 20.11 PLN · the 11.90 PLN price screens above the 10.99 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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Comperia.pl S.A. operates online comparison sites for financial products and telecommunications products in Poland.
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The company's website enables users to compare various financial products, including bank deposits, personal and savings accounts; cash, car, online, mortgage, consolidation, credit, and refinancing loans; mortgages, credit cards, leasing, and factoring; and liability, accident, home, and travel insurance.
It also offers comparison for companies that include business loans, investment loans, leasing, business account, and factoring and insurance, such as third party liability insurance, home insurance, travel insurance, and personal and accident insurance.
The company was founded in 2007 and is based in Warsaw, Poland.
Stock analysis
Comperia.pl S.A. (CPL) currently trades at 11.90 PLN, while our model-based Fair Value estimate is 10.99 PLN, so the stock looks roughly fairly valued today (gap 8.3%).
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Valuation
Bull case: the DCF Models group reads highest at a median of 10.04 PLN per share, and 3 of the 10 models we run sit above the 11.90 PLN price.
Bear case: the Multiples group reads lowest at 8.86 PLN, and 7 of the 10 models stay below the price. Data coverage for this calculation is medium.
Scenario range: 6.36 PLN (bear) to 20.11 PLN (bull), the price of 11.90 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 57/100 (solid quality), in the Communication Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Comperia.pl S.A. reported revenue of 72.2M PLN in FY2025 versus 40.4M PLN in FY2021, a compound +15.6%/yr. Reported net income was −670K PLN in FY2025.
Key figures
Market cap 37.5M PLN (≈ $9.6M) Micro · P/E ratio 99.2 · P/S ratio 0.48 · EPS (TTM) 0.1200 PLN · Net margin 0.5% · Return on equity 2.2% · Return on assets (EBIT) 2.8% (5-year average) · Operating margin 2.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 21 out of 100 (low confidence).
What moves the price
The share trades at its 52-week high and 169% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Communication Services peers we cover trades at 11% fair-value upside, at −8%, CPL screens richer than that median.
Fair Value models
Bear6.36 PLNFair Value 10.99 PLNBull20.11 PLN
Price 11.90 PLN · Downside -7.6%
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 (0.1029 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.76/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+45.3%
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.
+17.8%
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.
+25.1%
Start year 2020 (pandemic). Over 10 years: +13.6% a year
Revenue growth 15 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.
+29.2%
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Profit margin (trend) ⓘ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.
4.2% (2020) → −0.7% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
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).
+19.0%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Poland: IMF forecast 3.1% a year to 2030, 4.6% from 2016 to 2025) that is about +15.4% a year for the price.
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.Internet Content & Information · 122 stocks
Beats the industry median on 1/11 measures
Overall it trails its industry peers.
Valuation
Quality Score57 · Below median
Fair Value upside−7.6% · Below median
Profitability
Return on equity (12 months)2.2% · Below median
Return on assets−2.1% · Below median
Net margin (12 months)0.5% · Below median
Operating margin (12 months)2.1% · Below median
Growth and dividend
Revenue growth (quarter YoY)4.7% · Below median
Valuation Multiplesvs Internet Content & Information median · lower = cheaper
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). "Comperia.pl S.A. Fair Value". https://www.fairvalue-calculator.com/stock/CPL
Frequently asked questions
Is Comperia.pl S.A. (CPL) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 10.99 PLN versus a price of 11.90 PLN, about 8% lower (fairly valued).
What is the fair value of CPL?
Our model-based fair value for Comperia.pl S.A. is 10.99 PLN (as of Nov 4, 2026), built from audited fundamentals. The current price: 11.90 PLN.
What is the quality score of CPL?
Comperia.pl S.A. has a Quality Score of 57/100. 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 Comperia.pl S.A. (CPL)?
Our model-based price target is the fair value of 10.99 PLN (as of Nov 4, 2026) from 10 valuation models. Cautious scenario 6.36 PLN, optimistic scenario 20.11 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Comperia.pl S.A. stock forecast for 2026?
Our models put fair value at 10.99 PLN, about 8% lower versus a price of 11.90 PLN (fairly valued). Cautious scenario 6.36 PLN, optimistic scenario 20.11 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Comperia.pl S.A. (CPL)?
Comperia.pl S.A. reported trailing-twelve-month revenue of about 77.7M PLN (latest available figure, as of Nov 4, 2026).
What growth is priced into Comperia.pl S.A. (CPL)?
For today's price to be fair in a discounted-cash-flow model, Comperia.pl S.A. would have to grow free cash flow by +19.0 % per year for five years (discount rate 9.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +25.1 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of CPL use?
Our models discount Comperia.pl S.A. at 9.3 %: a base by market capitalisation (nano), damped by beta 0.40, 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 Comperia.pl S.A. that is +19.0 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.3 %) and the same formula as our fair value.
How much growth has Comperia.pl S.A. (CPL) delivered so far?
Over the past 5 years revenue at Comperia.pl S.A. grew +25.1 % a year. The price currently implies free-cash-flow growth of +19.0 % 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 Comperia.pl S.A. (CPL) growing?
The median revenue growth in the sector is +3.8 % a year. That is the yardstick for the growth priced into Comperia.pl S.A. (+19.0 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Comperia.pl S.A. (CPL)?
The free-cash-flow yield on the price is 2.62 %: that much free cash flow Comperia.pl S.A. produces per unit of market value. When it exceeds the discount rate of our models (9.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Comperia.pl S.A. (CPL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Comperia.pl S.A. it is 10.99 PLN per share (as of Nov 4, 2026), against a price of 11.90 PLN. It is the blended result of 10 valuation models in 4 families (DCF Models, Multiples, Asset-Based, Growth DCF).
Is Comperia.pl S.A. stock overvalued or undervalued in 2026?
As of Nov 4, 2026, CPL trades above its calculated fair value: price 11.90 PLN, fair value 10.99 PLN, a gap of about −8% (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 CPL?
No. The price is what the market pays today (11.90 PLN); the fair value is what the company's own numbers justify (10.99 PLN). For Comperia.pl S.A. the two are 0.9100 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Comperia.pl S.A. worth?
The market values Comperia.pl S.A. at about 37.5M PLN (market capitalisation, as of Nov 4, 2026). Per share that is 11.90 PLN; our models calculate a fair value of 10.99 PLN per share.
What do the bullish and bearish scenarios say about CPL?
Our models span a range for Comperia.pl S.A.: cautious scenario 6.36 PLN, base 10.99 PLN, optimistic 20.11 PLN per share (as of Nov 4, 2026, price 11.90 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CPL?
Comperia.pl S.A. trades at a price-to-earnings ratio of 99.2 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 10.99 PLN is built from several models across several years. Other multiples: P/B 2.4, P/S 0.5.
How solid is the balance sheet of Comperia.pl S.A. (CPL)?
Balance-sheet figures for Comperia.pl S.A. (as of Nov 4, 2026): return on equity 2.2%. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is CPL from its 52-week high?
Comperia.pl S.A. trades at 11.90 PLN, at its 52-week high of 11.90 PLN and 169% above the low of 4.42 PLN (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 10.99 PLN is for.
Which stocks are comparable to Comperia.pl S.A.?
From the same area (Communication Services) we also value Alphabet Inc, Meta Platforms, Inc, Tencent Holdings, Spotify Technology S.A, 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 Comperia.pl S.A. stock attractive at the current price?
The data as of Nov 4, 2026: price 11.90 PLN, calculated fair value 10.99 PLN (−8%), Quality Score 57/100, from 10 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 CPL calculated?
We run Comperia.pl S.A. through 10 models from 4 families: DCF Models, Multiples, Asset-Based, Growth DCF. Every model gets the same audited fundamentals; the fair value of 10.99 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 13.3% above its aggregate fair value. Comperia.pl S.A. itself currently trades above fair value. 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 Comperia.pl S.A. (CPL)?
The closing price on Nov 6, 2026 was 11.90 PLN. Our model-based fair value is 10.99 PLN, about 8% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Comperia.pl S.A. right now?
The model range is unusually wide (6.36 PLN to 20.11 PLN). The outcome hinges heavily on assumptions, so read the point estimate with caution. The price sits close to our fair value, market and models broadly agree here, little valuation tension.
Key figures of Comperia.pl S.A.
How large is the market capitalisation of Comperia.pl S.A. (CPL)?
The market capitalisation of Comperia.pl S.A. is 37.5M PLN (≈ $9.6M). 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 Comperia.pl S.A. (CPL)?
The price-to-sales ratio of Comperia.pl S.A. is 0.48 (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 Comperia.pl S.A. (CPL)?
Earnings per share at Comperia.pl S.A. are 0.1200 PLN (price ÷ EPS = P/E 99.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Comperia.pl S.A. (CPL)?
The net margin of Comperia.pl S.A. is 0.5% (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 Comperia.pl S.A. (CPL)?
The return on equity (ROE) of Comperia.pl S.A. is 2.2% (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 Comperia.pl S.A. (CPL)?
On an EBIT basis the return on assets of Comperia.pl S.A. is 2.8% (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 Comperia.pl S.A. (CPL)?
The operating margin of Comperia.pl S.A. is 2.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Comperia.pl S.A. (CPL)?
Revenue at Comperia.pl S.A. is growing +4.7% versus a year earlier (3y avg +17.8%). 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 Comperia.pl S.A. (CPL)?
Earnings per share at Comperia.pl S.A. are growing −77.2% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Comperia.pl S.A. (CPL) hold?
Comperia.pl S.A. holds more cash than debt, 1.6M PLN net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Nov 4, 2026