Firma Oponiarska DĘBICA SA (DBC) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Firma Oponiarska DĘBICA SA stock PLN 98.85, price PLN 87.50, upside +13.0%, quality 67 out of 100. Rating: undervalued. Calculated from audited financials with 23 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 40.15 PLN – 105.20 PLN · fair‑value band 66.07 PLN – 134.21 PLN · the 87.50 PLN price screens below the 98.85 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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Tire Company Debica S.A. manufactures and sells tires for passenger cars, vans, and trucks under the Debica, Goodyear, Dunlop, Fulda, and Sava brands in Poland. It also offers curing membranes to produce tires.
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The company exports tires to Luxembourg, Germany, Turkey, the United States, Canada, and France. The company was formerly known as Firma Oponiarska Debica S.A. Tire Company Debica S.A. was founded in 1937 and is based in Debica, Poland.
Tire Company Debica S.A. operates as a subsidiary of Goodyear S.A.
Stock analysis
Firma Oponiarska DĘBICA SA (DBC) currently trades at 87.50 PLN, while our model-based Fair Value estimate is 98.85 PLN, implying the stock looks roughly 11% undervalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 169.18 PLN per share, and 16 of the 23 models we run sit above the 87.50 PLN price.
Bear case: the Asset-Based group reads lowest at 29.13 PLN, and 7 of the 23 models stay below the price. Data coverage for this calculation is high.
Scenario range: 66.07 PLN (bear) to 134.21 PLN (bull), the price of 87.50 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 67/100 (solid quality), in the Consumer Cyclical sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Firma Oponiarska DĘBICA SA reported revenue of 2.9B PLN in FY2025 versus 2.3B PLN in FY2021, a compound +5.6%/yr. Reported net income was 125M PLN in FY2025, compounding +30.8%/yr from FY2021.
Key figures
Market cap 1.2B PLN (≈ $308M) Small · P/E ratio 13.4 · P/S ratio 0.43 · EPS (TTM) 6.52 PLN · Dividend yield 7.8% · Net margin 3.6% · Return on equity 7.2% · Return on assets (EBIT) 5.6% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 37 out of 100 (medium confidence).
What moves the price
The share trades about 17% below its 52-week high and 8% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −23% fair-value upside, at 13%, DBC screens cheaper than that median.
Fair Value models
Bear66.07 PLNFair Value 98.85 PLNBull134.21 PLN
Price 87.50 PLN · Upside +13.0%
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.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.
Best data coverage
FCF DCF60.46 PLN78.73 PLN103.34 PLN82
Growth DCF61.83 PLN78.92 PLN100.83 PLN80
Residual Income85.09 PLN90.87 PLN100.81 PLN76
All 23 models by family
DCF Models
FCF DCF60.46 PLN78.73 PLN103.34 PLN82
5Y Revenue Exit77.12 PLN115.68 PLN164.82 PLN72
5Y EBITDA Exit111.66 PLN175.63 PLN249.44 PLN75
5Y P/E Exit103.07 PLN160.72 PLN219.90 PLN71
10Y Revenue Exit67.33 PLN98.48 PLN135.71 PLN67
10Y EBITDA Exit89.47 PLN135.69 PLN190.95 PLN68
10Y P/E Exit84.51 PLN126.43 PLN171.66 PLN64
Earnings-Based
Graham-Dodd61.57 PLN122.89 PLN154.33 PLN66
EPV68.12 PLN77.28 PLN84.98 PLN74
Dividend Discount
Gordon GGM33.91 PLN46.16 PLN57.58 PLN69
DDM Multi-Stage33.91 PLN45.52 PLN57.60 PLN67
Multiples
P/E Multiple149.41 PLN199.21 PLN249.01 PLN63
P/S Multiple115.45 PLN153.94 PLN192.42 PLN58
P/B Multiple70.11 PLN93.48 PLN116.85 PLN55
EV/EBIT138.96 PLN184.41 PLN229.87 PLN66
EV/EBITDA168.86 PLN224.28 PLN279.70 PLN67
EV/Revenue94.51 PLN133.91 PLN173.30 PLN54
Asset-Based
NCAV (Graham)19.23 PLN29.13 PLN36.42 PLN54
Growth DCF
Growth DCF61.83 PLN78.92 PLN100.83 PLN80
Rev-Margin DCF77.12 PLN116.44 PLN159.03 PLN73
Economic Profit
Residual Income85.09 PLN90.87 PLN100.81 PLN76
ROIC Compounder68.12 PLN77.28 PLN84.98 PLN72
Growth Earnings
Growth-Adj P/E107.98 PLN154.26 PLN200.53 PLN67
The fair value above starts from this blend and is adjusted for a cyclical peak year.
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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+15.7%
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.
−3.8%
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.
+9.9%
Start year 2020 (pandemic). Over 10 years: +5.1% a year
Revenue growth 17 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.
+4.1%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+27.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.9%
Dividend (yield on the price)7.8%
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.12.8% vs 4.7%, picking up
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.4% → 5%
2025 sits 61% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
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.
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).
−8.5%
The company could shrink this much every year for the next five years and today's price would still be justified.
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 −11.3% a year for the price.
Compare Firma Oponiarska DĘBICA SA with another stock
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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.Auto Parts · 655 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score67 · Top 25%
Fair Value upside+13.0% · Above median
Profitability
Return on equity (12 months)7.2% · Below median
Return on assets5.4% · Above median
Net margin (12 months)3.6% · Below median
Operating margin (12 months)3.4% · Below median
Growth and dividend
Revenue growth (quarter YoY)−7.8% · Bottom 25%
Dividend yield (12 months)7.8% · Top 25%
Valuation Multiplesvs Auto Parts median · lower = cheaper
P/E (12 months)13.4× · Cheaper than median
P/B0.84× · Cheaper than median
P/S (12 months)0.43× · Cheaper than median
Price / free cash flow (fiscal year)14.1× · Cheaper 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). "Firma Oponiarska DĘBICA SA Fair Value". https://www.fairvalue-calculator.com/stock/DBC
Frequently asked questions
Is Firma Oponiarska DĘBICA SA (DBC) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of 98.85 PLN versus a price of 87.50 PLN, about +13% upside (undervalued).
What is the fair value of DBC?
Our model-based fair value for Firma Oponiarska DĘBICA SA is 98.85 PLN (as of Nov 5, 2026), built from audited fundamentals. The current price: 87.50 PLN.
What is the quality score of DBC?
Firma Oponiarska DĘBICA SA has a Quality Score of 67/100. 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 Firma Oponiarska DĘBICA SA (DBC)?
Our model-based price target is the fair value of 98.85 PLN (as of Nov 5, 2026) from 23 valuation models. Cautious scenario 66.07 PLN, optimistic scenario 134.21 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Firma Oponiarska DĘBICA SA stock forecast for 2026?
Our models put fair value at 98.85 PLN, about +13% upside versus a price of 87.50 PLN (undervalued). Cautious scenario 66.07 PLN, optimistic scenario 134.21 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Firma Oponiarska DĘBICA SA (DBC)?
Firma Oponiarska DĘBICA SA reported trailing-twelve-month revenue of about 2.8B PLN (latest available figure, as of Nov 5, 2026).
Does Firma Oponiarska DĘBICA SA pay a dividend?
Firma Oponiarska DĘBICA SA currently shows a dividend yield of 7.76% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Firma Oponiarska DĘBICA SA (DBC) and when is the ex-dividend date?
Firma Oponiarska DĘBICA SA pays a dividend of 6.79 PLN per share a year, a dividend yield of 7.8%. The last ex-dividend date was Sep 18, 2026. A dividend has been paid every year since 1997. The payout ratio is 104% of earnings. Free cash flow covers the dividend 0.91 times. Our assessment: Payout strained. The dividend exceeds reported earnings (though reported profit is often depressed by one-off charges), and free cash flow only just covers it (or coverage is unknown). Not an emergency, but little room for error.
What growth is priced into Firma Oponiarska DĘBICA SA (DBC)?
For today's price to be fair in a discounted-cash-flow model, Firma Oponiarska DĘBICA SA would have to grow free cash flow by -8.5 % 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 +9.9 % per year. As of Nov 5, 2026.
What discount rate (WACC) does the fair value of DBC use?
Our models discount Firma Oponiarska DĘBICA SA at 10.6 %: a base by market capitalisation (small), damped by beta 0.26, 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 Firma Oponiarska DĘBICA SA that is -8.5 % 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 Firma Oponiarska DĘBICA SA (DBC) delivered so far?
Over the past 5 years revenue at Firma Oponiarska DĘBICA SA grew +9.9 % a year. The price currently implies free-cash-flow growth of -8.5 % 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 Firma Oponiarska DĘBICA SA (DBC) growing?
The median revenue growth in the sector is +4.7 % a year. That is the yardstick for the growth priced into Firma Oponiarska DĘBICA SA (-8.5 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Firma Oponiarska DĘBICA SA (DBC)?
The free-cash-flow yield on the price is 7.08 %: that much free cash flow Firma Oponiarska DĘBICA SA 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 Firma Oponiarska DĘBICA SA (DBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Firma Oponiarska DĘBICA SA it is 98.85 PLN per share (as of Nov 5, 2026), against a price of 87.50 PLN. It is the blended result of 23 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is Firma Oponiarska DĘBICA SA stock overvalued or undervalued in 2026?
As of Nov 5, 2026, DBC trades below its calculated fair value: price 87.50 PLN, fair value 98.85 PLN, a gap of about +13% (undervalued). 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 DBC?
No. The price is what the market pays today (87.50 PLN); the fair value is what the company's own numbers justify (98.85 PLN). For Firma Oponiarska DĘBICA SA the two are 11.35 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Firma Oponiarska DĘBICA SA worth?
The market values Firma Oponiarska DĘBICA SA at about 1.2B PLN (market capitalisation, as of Nov 5, 2026). Per share that is 87.50 PLN; our models calculate a fair value of 98.85 PLN per share.
What do the bullish and bearish scenarios say about DBC?
Our models span a range for Firma Oponiarska DĘBICA SA: cautious scenario 66.07 PLN, base 98.85 PLN, optimistic 134.21 PLN per share (as of Nov 5, 2026, price 87.50 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DBC?
Firma Oponiarska DĘBICA SA trades at a price-to-earnings ratio of 13.4 (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 98.85 PLN is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 12.6. Other multiples: P/B 0.8, P/S 0.4, EV/EBITDA 5.0.
How solid is the balance sheet of Firma Oponiarska DĘBICA SA (DBC)?
Balance-sheet figures for Firma Oponiarska DĘBICA SA (as of Nov 5, 2026): return on equity 7.2%. They feed the Quality Score of 67/100, which measures business quality independently of the share price.
How far is DBC from its 52-week high?
Firma Oponiarska DĘBICA SA trades at 87.50 PLN, about 17% below its 52-week high of 105.20 PLN and 8% above the low of 81.00 PLN (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 98.85 PLN is for.
Which stocks are comparable to Firma Oponiarska DĘBICA SA?
From the same area (Consumer Cyclical) we also value O'Reilly Automotive, Inc, AutoZone, Inc, Hyundai Mobis Co, Fuyao Glass Industry Group, 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 Firma Oponiarska DĘBICA SA stock attractive at the current price?
The data as of Nov 5, 2026: price 87.50 PLN, calculated fair value 98.85 PLN (+13%), Quality Score 67/100, from 23 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 DBC calculated?
We run Firma Oponiarska DĘBICA SA through 23 models from 8 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of 98.85 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. Firma Oponiarska DĘBICA SA currently trades 11% 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 Firma Oponiarska DĘBICA SA (DBC)?
The closing price on Nov 6, 2026 was 87.50 PLN. Our model-based fair value is 98.85 PLN, about +13% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Firma Oponiarska DĘBICA SA right now?
A fairly wide model range (66.07 PLN to 134.21 PLN) leaves room in how you read the outcome. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Key figures of Firma Oponiarska DĘBICA SA
How large is the market capitalisation of Firma Oponiarska DĘBICA SA (DBC)?
The market capitalisation of Firma Oponiarska DĘBICA SA is 1.2B PLN (≈ $308M). 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 Firma Oponiarska DĘBICA SA (DBC)?
The price-to-sales ratio of Firma Oponiarska DĘBICA SA is 0.43 (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 Firma Oponiarska DĘBICA SA (DBC)?
Earnings per share at Firma Oponiarska DĘBICA SA are 6.52 PLN (price ÷ EPS = P/E 13.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Firma Oponiarska DĘBICA SA (DBC)?
The dividend yield of Firma Oponiarska DĘBICA SA is 7.8% (payout 104%). 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 Firma Oponiarska DĘBICA SA (DBC)?
The net margin of Firma Oponiarska DĘBICA SA is 3.6% (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 Firma Oponiarska DĘBICA SA (DBC)?
The return on equity (ROE) of Firma Oponiarska DĘBICA SA is 7.2% (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 Firma Oponiarska DĘBICA SA (DBC)?
On an EBIT basis the return on assets of Firma Oponiarska DĘBICA SA is 5.6% (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 Firma Oponiarska DĘBICA SA (DBC)?
The operating margin of Firma Oponiarska DĘBICA SA is 3.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Firma Oponiarska DĘBICA SA (DBC)?
Revenue at Firma Oponiarska DĘBICA SA is growing −7.8% versus a year earlier (3y avg −3.8%). 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 Firma Oponiarska DĘBICA SA (DBC)?
Earnings per share at Firma Oponiarska DĘBICA SA are growing −39.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Firma Oponiarska DĘBICA SA (DBC) hold?
Firma Oponiarska DĘBICA SA holds more cash than debt, 35.8M PLN net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 5, 2026