D'Ieteren Group SA (DIE) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of D'Ieteren Group SA stock €105, price €182, that is 42.2% below the price, quality 65 out of 100. Rating: strongly overvalued. Calculated from audited financials with 23 of our 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 1, 2026.
How to read this chart
60‑month range €69.09 – €195.44 · fair‑value band €69.82 – €140.98 · the €182.30 price screens above the €105.40 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 1, 2026.
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D'Ieteren Group SA operates as an investment company in Belgium, France, rest of Europe, and internationally. The company operates through D'Ieteren Automotive, Belron, Moleskine, TVH, and PHE segments.
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It is involved in vehicle glass repair, replacement, and recalibration under Carglass, Safelite, and Autoglass brands; and manages vehicle glass and other insurance claims on behalf of insurance customers.
The company also distributes Volkswagen, Audi, SEAT, "koda, Bentley, Lamborghini, Bugatti, Cupra, Rimac, Microlino, Maserati and Porsche vehicles, as well as spare parts and accessories; markets used vehicles; and provides maintenance, financing, and leasing services.
In addition, it manages real estate assets, such as offices, workshops, concessions, logistics centers, residential units, parking lots and landbanks; and offers real estate advice and a range of services to the tenants of the properties in the portfolio.
Further, the company provides notebooks, planners, writing instruments, bags, reading accessories, and smart writing systems through wholesale, retail, e-commerce and strategic partnerships.
Additionally, it distributes aftermarket parts for material handling, construction & industrial, and agricultural equipment. The company was founded in 1805 and is based in Brussels, Belgium.
Stock analysis
D'Ieteren Group SA (DIE) currently trades at €182.30, while our model-based Fair Value estimate is €105.40, 42% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of €145.62 per share, and 0 of the 23 models we run sit above the €182.30 price.
Bear case: the Dividend Discount group reads lowest at €20.87, and 23 of the 23 models stay below the price. Data coverage for this calculation is high.
Scenario range: €69.82 (bear) to €140.98 (bull), the price of €182.30 sits above 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 65/100 (solid quality), in the Consumer Cyclical sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
D'Ieteren Group SA reported revenue of €8.0B in FY2025 versus €3.4B in FY2021, a compound +24.3%/yr. Reported net income was €425M in FY2025, compounding +13.9%/yr from FY2021.
Key figures
Market cap €9.6B Large · P/E ratio 22.3 · P/S ratio 1.22 · EPS (TTM) €8.16 · Dividend yield 1.1% · Net margin 5.5% · Return on equity 27.5% · Return on assets (EBIT) 5.9%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (medium confidence).
What moves the price
The last reported earnings sit well below what analysts expect (earnings in transition, for example after write-downs or an earnings dip); whether the stock is cheap or expensive hinges on the expected recovery actually arriving. Read the fair value with that caveat.
The share trades about 7% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −17% fair-value upside, at −42%, DIE screens richer than that median.
Fair Value models
Bear€69.82Fair Value €105.40Bull€140.98
Price €182.30 · Downside -42.2%
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 (€5.21 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.84/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−1.5%
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.
+19.4%
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.
+19.3%
Start year 2020 (pandemic). Over 10 years: +2.9% a year
Revenue growth 21 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.
+2.8%
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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.
+26.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year+25.4%
Dividend (yield on the price)1.1%
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.base effect: 25.4% / 17.0%
Profit margin 2019 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.6% → 5%
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more 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).
+10.6%
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.
+2.8%
Yearly sales growth analysts expect, extended to five years.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +8.2% a year for the price and +0.6% for the forecasts.
News mood ⓘNews mood, the average tone of recent news (15 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation.Positive
Recent news coverage is more positive than average.
AI conclusion: Decent ROE from the leveraged dealership model stands against thin equity and limited differentiation that signal only an average moat.
Main risk: Chinese car brands could intensify price competition in Belgium and force lower margins or lost sales at D'Ieteren Automotive dealerships.
Bull case: D'Ieteren Automotive could accelerate its shift to mobility services, used cars and longer-term customer relationships while Belron expands ADAS recalibration to offset any volume pressure.
Bear case: Persistent Chinese competition and tax-driven fleet weakness could force deeper restructuring or site closures at the dealership unit, weighing on group profits if Belron growth slows.
D'Ieteren draws most profit growth from Belron's auto glass operations while its dealership business contends with falling car sales and job cuts. An incoming CEO with investment experience arrives as Belron's minority shareholders appoint banks to explore a potential listing. Will unlocking Belron through separation deliver clearer gains than keeping the businesses together under one roof?
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.Auto & Truck Dealerships · 84 stocks
Beats the industry median on 5/14 measures
Overall it trails its industry peers.
Valuation
Quality Score65 · Top 25%
Fair Value upside−42.2% · Bottom 25%
Profitability
Return on equity (12 months)27.5% · Top 25%
Return on assets6.8% · Top 25%
Net margin (12 months)5.5% · Top 25%
Operating margin (12 months)4.2% · Above median
Growth and dividend
Revenue growth (quarter YoY)−3.0% · Bottom 25%
Dividend yield (12 months)1.1% · Bottom 25%
Balance sheet
Debt / equity105.99× · Highest 25%
Valuation Multiplesvs Auto & Truck Dealerships median · lower = cheaper
P/E (12 months)22.3× · Pricier than median
P/S (12 months)1.22× · Priciest 25%
Price / free cash flow18.5× · Priciest 25%
EV/EBITDA21.3× · Priciest 25%
PEG6.81× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 41
FUTURE (revenue growth)0· sector 30
PAST (return on equity)100· sector 30
HEALTH (low debt)0· sector 83
DIVIDEND (yield)22· sector 74
VALUE 0: the price sits above our fair-value range.
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). "D'Ieteren Group SA Fair Value". https://www.fairvalue-calculator.com/stock/DIE
Frequently asked questions
Is D'Ieteren Group SA (DIE) overvalued or undervalued?
As of Nov 1, 2026, our model estimates a fair value of €105.40 versus a price of €182.30, about 42% lower (overvalued).
What is the fair value of DIE?
Our model-based fair value for D'Ieteren Group SA is €105.40 (as of Nov 1, 2026), built from audited fundamentals. The current price: €182.30.
What is the quality score of DIE?
D'Ieteren Group SA has a Quality Score of 65/100. 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 D'Ieteren Group SA (DIE)?
Our model-based price target is the fair value of €105.40 (as of Nov 1, 2026) from 23 valuation models. Cautious scenario €69.82, optimistic scenario €140.98. It is a calculation from audited fundamentals, not an analyst target.
What is the D'Ieteren Group SA stock forecast for 2026?
Our models put fair value at €105.40, about 42% lower versus a price of €182.30 (overvalued). Cautious scenario €69.82, optimistic scenario €140.98. The calculation is refreshed regularly with new filings.
What is the revenue of D'Ieteren Group SA (DIE)?
D'Ieteren Group SA reported trailing-twelve-month revenue of about €7.9B (latest available figure, as of Nov 1, 2026).
Does D'Ieteren Group SA pay a dividend?
D'Ieteren Group SA currently shows a dividend yield of 1.10% relative to its recent price (as of Nov 1, 2026).
What growth is priced into D'Ieteren Group SA (DIE)?
For today's price to be fair in a discounted-cash-flow model, D'Ieteren Group SA would have to grow free cash flow by +10.6 % per year for five years (discount rate 9.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +19.4 % per year. As of Nov 1, 2026.
What discount rate (WACC) does the fair value of DIE use?
Our models discount D'Ieteren Group SA at 9.6 %: a base by market capitalisation (large), damped by beta 0.93, country premium for Belgium. 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 D'Ieteren Group SA that is +10.6 % per year a year over ten years, using the same discount rate (9.6 %) and the same formula as our fair value.
How much growth has D'Ieteren Group SA (DIE) delivered so far?
Over the past 5 years revenue at D'Ieteren Group SA grew +19.4 % a year. The price currently implies +10.6 % per year free-cash-flow growth a 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 D'Ieteren Group SA (DIE) growing?
The median revenue growth in the sector is +4.6 % a year. That is the yardstick for the growth priced into D'Ieteren Group SA (+10.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of D'Ieteren Group SA (DIE)?
The free-cash-flow yield on the price is 5.40 %: that much free cash flow D'Ieteren Group SA produces per unit of market value. When it exceeds the discount rate of our models (9.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of D'Ieteren Group SA (DIE)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For D'Ieteren Group SA it is €105.40 per share (as of Nov 1, 2026), against a price of €182.30. It is the blended result of 23 valuation models (cash flow, earnings, asset, dividend).
Is D'Ieteren Group SA stock overvalued or undervalued in 2026?
As of Nov 1, 2026, DIE trades above its calculated fair value: price €182.30, fair value €105.40, a gap of about −42% (overvalued). 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 DIE?
No. The price is what the market pays today (€182.30); the fair value is what the company's own numbers justify (€105.40). For D'Ieteren Group SA the two are €76.90 per share apart. That gap is exactly why we show both numbers side by side.
How much is D'Ieteren Group SA worth?
The market values D'Ieteren Group SA at about €9.6B (market capitalisation, as of Nov 1, 2026). Per share that is €182.30; our models calculate a fair value of €105.40 per share.
What do the bullish and bearish scenarios say about DIE?
Our models span a range for D'Ieteren Group SA: cautious scenario €69.82, base €105.40, optimistic €140.98 per share (as of Nov 1, 2026, price €182.30). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DIE?
D'Ieteren Group SA trades at a price-to-earnings ratio of 22.3 (as of Nov 1, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €105.40 is built from several models across several years. Median P/E at fiscal year-end, 10 fiscal years (2016 to 2025), reported earnings: 24.7. Other multiples: PEG 6.8, P/S 1.2, EV/EBITDA 21.3.
What is the PEG ratio of DIE?
The PEG ratio of D'Ieteren Group SA is 6.81 (P/E divided by earnings growth, as of Nov 1, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of D'Ieteren Group SA (DIE)?
Balance-sheet figures for D'Ieteren Group SA (as of Nov 1, 2026): return on equity 27.5%. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is DIE from its 52-week high?
D'Ieteren Group SA trades at €182.30, about 7% below its 52-week high of €195.44 and 28% above the low of €142.70 (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of €105.40 is for.
Which stocks are comparable to D'Ieteren Group SA?
From the same area (Consumer Cyclical) we also value Carvana Co, Penske Automotive Group, Hotai Motor Co, CarMax, Inc, 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 D'Ieteren Group SA stock attractive at the current price?
The data as of Nov 1, 2026: price €182.30, calculated fair value €105.40 (−42%), Quality Score 65/100, 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 DIE calculated?
We run D'Ieteren Group SA through 23 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €105.40, 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 15.5% above its aggregate fair value. D'Ieteren Group SA 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 D'Ieteren Group SA (DIE)?
The closing price on Nov 5, 2026 was €182.30. Our model-based fair value is €105.40, about 42% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with D'Ieteren Group SA right now?
The price sits above even our optimistic bull case (€140.98). The favourable scenario is already priced in. Solid but not exceptional quality (65/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (€69.82 to €140.98) leaves room in how you read the outcome.
Where does the earnings growth of D'Ieteren Group SA (DIE) come from?
Earnings per share at D'Ieteren Group SA grew +20.5 % a year from 2015 to 2025. Broken into its drivers: revenue per share +3.2 %, EBIT margin +4.4 %, tax rate +0.3 %, residual (interest, one-offs) +11.5 %. 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 D'Ieteren Group SA
How large is the market capitalisation of D'Ieteren Group SA (DIE)?
The market capitalisation of D'Ieteren Group SA is €9.6B. 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 D'Ieteren Group SA (DIE)?
The price-to-sales ratio of D'Ieteren Group SA is 1.22 (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 D'Ieteren Group SA (DIE)?
Earnings per share at D'Ieteren Group SA are €8.16 (price ÷ EPS = P/E 22.3). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of D'Ieteren Group SA (DIE)?
The dividend yield of D'Ieteren Group SA is 1.1% (payout 24.5%). 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 D'Ieteren Group SA (DIE)?
The net margin of D'Ieteren Group SA is 5.5% (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 D'Ieteren Group SA (DIE)?
The return on equity (ROE) of D'Ieteren Group SA is 27.5% (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 D'Ieteren Group SA (DIE)?
On an EBIT basis the return on assets of D'Ieteren Group SA is 5.9% (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 D'Ieteren Group SA (DIE)?
The operating margin of D'Ieteren Group SA is 4.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at D'Ieteren Group SA (DIE)?
Revenue at D'Ieteren Group SA is growing −3.0% versus a year earlier (3y avg +19.4%). 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 D'Ieteren Group SA (DIE)?
Earnings per share at D'Ieteren Group SA are growing +6.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does D'Ieteren Group SA (DIE) carry?
The net debt of D'Ieteren Group SA is €1.9B (fiscal year 2025, ≈ 3.7 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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Broad data
Nov 1, 2026