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Eurocash S.A. (EUR) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of Eurocash S.A. stock PLN 14.53, price PLN 4.78, upside +204.0%, quality 51 out of 100. Rating: strongly undervalued. Calculated from audited financials with 13 of our 26 valuation models and 37 quality factors, updated daily.

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Consumer Defensive PL · ISIN PLEURCH00011

ES Eurocash S.A. logo Thin data Nov 5, 2026

Eurocash S.A.

EUR · WAR
Undervalued, but in a downtrend

The stock costs 67% less than our calculation considers fair.

Fair value 14.53 PLN · Strongly undervalued
Low debt
Generates free cash flow
Even on cautious assumptions the value is 124% above the price (10.69 PLN).
Quality 51/100
Mixed Growth (revenue 5y +3.4 %/yr in PLN)
Mixed vs. peers (6/13)
Loss-making · -1.1% net margin (TTM)
Narrow moat 15/100 · thin data
Thin data
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

17.91 PLN 4.21 PLN Fair Value 14.53 PLN Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range 4.21 PLN – 17.91 PLN · fair‑value band 10.69 PLN – 18.38 PLN · the 4.78 PLN price screens below the 14.53 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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Company profile

Eurocash S.A. engages in the wholesale distribution of food and other fast moving consumer goods (FMCG) in Poland. It operates through Wholesale, Retail, Projects, and Other segments.

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The company's products include basic food, soft and alcoholic drinks, tobacco products, phone cards, pre-paid top-ups; and non-food items, such as cosmetics, household chemicals, OTC medicines, and other.

It distributes its products to traditional grocery market, retail stores, convenience stores, gas stations, restaurants, and hotel and café chains.

The company operates a network of Europcash Cash & Carry stores; abc stores chain; small supermarkets under the Delikatesy Centrum brand; stores under the Duzy Ben brand; and franchise and partner stores of Eurocash distribution, as well as stores under the Inmedio and Inmedio Trendy brands.

Eurocash S.A. was incorporated in 2004 and is based in Komorniki, Poland.

Stock analysis

Eurocash S.A. (EUR) currently trades at 4.78 PLN, while our model-based Fair Value estimate is 14.53 PLN, implying the stock looks roughly 67% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of 65.38 PLN per share, and 13 of the 13 models we run sit above the 4.78 PLN price.

Bear case: the Earnings-Based group reads lowest at 13.53 PLN, and 0 of the 13 models stay below the price. Data coverage for this calculation is low.

Scenario range: 10.69 PLN (bear) to 18.38 PLN (bull), the price of 4.78 PLN sits below 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 51/100 (solid quality), in the Consumer Defensive sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Eurocash S.A. reported revenue of 30.0B PLN in FY2025 versus 26.3B PLN in FY2021, a compound +3.4%/yr. Reported net income was −336M PLN in FY2025.

Key figures

Market cap 665M PLN (≈ $170M) Micro · P/S ratio 0.02 · EPS (TTM) −2.16 PLN · Dividend yield 4.4% · Net margin −1.1% · Return on equity −52.8% · Return on assets (EBIT) 3.5% (5-year average) · Operating margin 0.9%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 15 out of 100 (low confidence).

What moves the price

The share trades about 40% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Consumer Defensive peers we cover trades at −19% fair-value upside, at 204%, EUR screens cheaper than that median.

Fair Value models

Bear 10.69 PLN Fair Value 14.53 PLN Bull 18.38 PLN
Price 4.78 PLN · Upside +204.0%
Capped: our models arrive at a very high value here. We deliberately show a more cautious Fair Value.
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 DCF 55.73 PLN 79.21 PLN 109.60 PLN 81
Growth DCF 55.67 PLN 75.65 PLN 99.78 PLN 79
Owner Earnings 29.84 PLN 42.12 PLN 58.02 PLN 77
All 13 models by family
DCF Models
FCF DCF 55.73 PLN 79.21 PLN 109.60 PLN 81
Owner Earnings 29.84 PLN 42.12 PLN 58.02 PLN 77
5Y Revenue Exit 32.93 PLN 43.45 PLN 55.90 PLN 74
5Y EBITDA Exit 53.82 PLN 83.13 PLN 117.21 PLN 75
10Y Revenue Exit 41.94 PLN 53.35 PLN 67.30 PLN 68
10Y EBITDA Exit 53.93 PLN 77.40 PLN 108.39 PLN 68
Earnings-Based
EPV 12.20 PLN 13.53 PLN 14.61 PLN 74
Multiples
EV/EBIT 20.14 PLN 27.38 PLN 34.63 PLN 66
EV/EBITDA 56.03 PLN 75.24 PLN 94.44 PLN 67
EV/Revenue 13.92 PLN 20.57 PLN 27.21 PLN 53
Growth DCF
Growth DCF 55.67 PLN 75.65 PLN 99.78 PLN 79
Rev-Margin DCF 32.93 PLN 44.38 PLN 58.18 PLN 74
Economic Profit
ROIC Compounder 12.46 PLN 14.10 PLN 15.60 PLN 72

Open the full fair value analysis →

Quality Score breakdown

Overall quality 51/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 40
How much profit the company makes from its sales and capital
Quality Growth 42
Are margins and returns getting better?
Cashflow 39
Do the profits arrive as real cash?
Financial strength 29
Debt, balance sheet and risk of trouble
Investment 100
Does it invest with discipline instead of growing at any price?
Low Volatility 70
How calm the share price moves, does not count
Price momentum 22
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 8
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 31/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−6.9%
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.
−0.9%
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.
+3.4%
Start year 2020 (pandemic). Over 10 years: +4.0% 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.
+15.2%
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.
1.0% (2020) → 0.8% (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

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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.Grocery Stores · 74 stocks

Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 51 · Bottom 25%
Fair Value upside +200.0% · Top 25%
Profitability
Return on assets −4.1% · Bottom 25%
Net margin (12 months) −1.1% · Bottom 25%
Operating margin (12 months) 0.9% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) −8.7% · Bottom 25%
Dividend yield (12 months) 4.4% · Top 25%
Balance sheet
Debt / equity 0.36× · Above median

Valuation Multiplesvs Grocery Stores median · lower = cheaper

P/B 1.79× · 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) 0.02× · Cheapest 25%
Price / free cash flow (fiscal year) 1.1× · Cheapest 25%
EV/EBITDA 1.1× · Cheapest 25%
PEG 0.55× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 38
FUTURE (revenue growth)0 · sector 14
PAST (return on equity)0 · sector 51
HEALTH (low debt)82 · sector 90
DIVIDEND (yield)88 · sector 53

Context: sector, industry, market

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

Similar stocks

10 more Grocery Stores stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Koninklijke Ahold Delhaize N.V AD €34.22 €54.03 +58% vs EUR
CP ALL Public Company CPALL 45.50 THB 58.24 THB +28% vs EUR
Metro Inc MRU C$98.61 C$97.54 −1% vs EUR
Carrefour SA CA €13.65 €12.62 −8% vs EUR
The Kroger Co KR $67.70 $54.76 −19% vs EUR
Coles Group COL A$22.57 A$17.03 −25% vs EUR
George Weston Limited WN C$109.28 C$72.52 −34% vs EUR
Loblaw Companies Limited L C$69.45 C$44.76 −36% vs EUR
Kesko Oyj KESKOB €25.66 €13.16 −49% vs EUR
Woolworths Group WOW A$42.47 A$19.56 −54% vs EUR

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Eurocash S.A.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Eurocash S.A. Fair Value". https://www.fairvalue-calculator.com/stock/EUR

Frequently asked questions

Is Eurocash S.A. (EUR) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of 14.53 PLN versus a price of 4.78 PLN, about +204% upside (undervalued).
What is the fair value of EUR?
Our model-based fair value for Eurocash S.A. is 14.53 PLN (as of Nov 5, 2026), built from audited fundamentals. The current price: 4.78 PLN.
What is the quality score of EUR?
Eurocash S.A. has a Quality Score of 51/100. 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 Eurocash S.A. (EUR)?
Our model-based price target is the fair value of 14.53 PLN (as of Nov 5, 2026) from 13 valuation models. Cautious scenario 10.69 PLN, optimistic scenario 18.38 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Eurocash S.A. stock forecast for 2026?
Our models put fair value at 14.53 PLN, about +204% upside versus a price of 4.78 PLN (undervalued). Cautious scenario 10.69 PLN, optimistic scenario 18.38 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Eurocash S.A. (EUR)?
Eurocash S.A. reported trailing-twelve-month revenue of about 29.1B PLN (latest available figure, as of Nov 5, 2026).
Does Eurocash S.A. pay a dividend?
Eurocash S.A. currently shows a dividend yield of 4.42% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of Eurocash S.A. (EUR)?
Eurocash S.A. has a dividend yield of 4.4%.
What is the intrinsic value of Eurocash S.A. (EUR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Eurocash S.A. it is 14.53 PLN per share (as of Nov 5, 2026), against a price of 4.78 PLN. It is the blended result of 13 valuation models in 5 families (DCF Models, Earnings-Based, Multiples, Growth DCF, Economic Profit).
Is Eurocash S.A. stock overvalued or undervalued in 2026?
As of Nov 5, 2026, EUR trades below its calculated fair value: price 4.78 PLN, fair value 14.53 PLN, a gap of about +204% (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 EUR?
No. The price is what the market pays today (4.78 PLN); the fair value is what the company's own numbers justify (14.53 PLN). For Eurocash S.A. the two are 9.75 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Eurocash S.A. worth?
The market values Eurocash S.A. at about 665M PLN (market capitalisation, as of Nov 5, 2026). Per share that is 4.78 PLN; our models calculate a fair value of 14.53 PLN per share.
What do the bullish and bearish scenarios say about EUR?
Our models span a range for Eurocash S.A.: cautious scenario 10.69 PLN, base 14.53 PLN, optimistic 18.38 PLN per share (as of Nov 5, 2026, price 4.78 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of EUR?
The PEG ratio of Eurocash S.A. is 0.55 (P/E divided by earnings growth, as of Nov 5, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Eurocash S.A. (EUR)?
Balance-sheet figures for Eurocash S.A. (as of Nov 5, 2026): return on equity −52.8%, debt of 0.36 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is EUR from its 52-week high?
Eurocash S.A. trades at 4.78 PLN, about 40% below its 52-week high of 7.92 PLN and 14% above the low of 4.21 PLN (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of 14.53 PLN is for.
Which stocks are comparable to Eurocash S.A.?
From the same area (Consumer Defensive) we also value Loblaw Companies Limited, The Kroger Co, Woolworths Group, Koninklijke Ahold Delhaize N.V, 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 Eurocash S.A. stock attractive at the current price?
The data as of Nov 5, 2026: price 4.78 PLN, calculated fair value 14.53 PLN (+204%), Quality Score 51/100, from 13 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 EUR calculated?
We run Eurocash S.A. through 13 models from 5 families: DCF Models, Earnings-Based, Multiples, Growth DCF, Economic Profit. Every model gets the same audited fundamentals; the fair value of 14.53 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. Eurocash S.A. currently trades 67% 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 Eurocash S.A. (EUR)?
The closing price on Nov 9, 2026 was 4.78 PLN. Our model-based fair value is 14.53 PLN, about +204% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Eurocash S.A. right now?
The price is below even our cautious bear case (10.69 PLN). The market is more pessimistic than our downside scenario. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid quality (51/100) at a price below fair value, the discount is the argument here, not the business quality.
Where does the earnings growth of Eurocash S.A. (EUR) come from?
Earnings per share at Eurocash S.A. grew −10.1 % a year from 2013 to 2024. Broken into its drivers: revenue per share +6.8 %, EBIT margin −2.7 %, tax rate −5.8 %, residual (interest, one-offs) −8.3 %. 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 Eurocash S.A.

How large is the market capitalisation of Eurocash S.A. (EUR)?
The market capitalisation of Eurocash S.A. is 665M PLN (≈ $170M). 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 Eurocash S.A. (EUR)?
The price-to-sales ratio of Eurocash S.A. is 0.02 (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 Eurocash S.A. (EUR)?
Earnings per share at Eurocash S.A. are −2.16 PLN. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Eurocash S.A. (EUR)?
The dividend yield of Eurocash S.A. is 4.4%. 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 Eurocash S.A. (EUR)?
The net margin of Eurocash S.A. is −1.1% (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 Eurocash S.A. (EUR)?
The return on equity (ROE) of Eurocash S.A. is −52.8% (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 Eurocash S.A. (EUR)?
On an EBIT basis the return on assets of Eurocash S.A. is 3.5% (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 Eurocash S.A. (EUR)?
The operating margin of Eurocash S.A. is 0.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Eurocash S.A. (EUR)?
Revenue at Eurocash S.A. is growing −8.7% versus a year earlier (3y avg −0.9%). 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 Eurocash S.A. (EUR)?
Earnings per share at Eurocash S.A. are growing +128% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Eurocash S.A. (EUR) generate?
The free cash flow of Eurocash S.A. is 622M PLN (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Eurocash S.A. (EUR) carry?
The net debt of Eurocash S.A. is 220M PLN (fiscal year 2025, ≈ 0.4 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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