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Grupa Virtus Spolka Akcyjna (GVT) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of Grupa Virtus Spolka Akcyjna stock PLN 0.75, price PLN 1.15, that is 35.0% below the price, quality 31 out of 100. Rating: strongly overvalued. The value is an estimate: none of our valuation models currently carries, it draws on revenue and assets compared with similar companies. Updated daily.

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Financial Services PL · ISIN PLIQPRT00017

GV Grupa Virtus Spolka Akcyjna logo Thin data Nov 10, 2026

Grupa Virtus Spolka Akcyjna

GVT · WAR
Very expensive, weak quality

Our calculation puts a fair price 35% below what the stock costs today.

Mixed Growth (revenue YoY +104.9 %/yr in PLN)
Fair value 0.7500 PLN · Strongly overvalued
Quality 31/100
Negative free cash flow
Trails peers (0/6)
Narrow moat 30/100 · thin data
Thin data
Estimate
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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

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Price vs Fair Value

2.82 PLN 0.2330 PLN Fair Value 0.7500 PLN Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 10, 2026.

How to read this chart

60‑month range 0.2330 PLN – 2.82 PLN · fair‑value band 0.5600 PLN – 0.9400 PLN · the 1.15 PLN price screens above the 0.7500 PLN fair value. As of Nov 10, 2026.

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Company profile

Grupa Virtus Spolka Akcyjna provides specialized financing services for the defense sector and dual-use technologies in Poland. The company supports companies in implementing key projects for national security.

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Its activities include production financing through technological investments, and implementation of contracts for public and private entities.

The company also engages in the development and commercialization of technologies for extracting metals and critical raw materials from secondary raw materials. The company was formerly known as Raen S.A. and changed its name to Grupa Virtus Spolka Akcyjna in February 2026.

Grupa Virtus Spolka Akcyjna was incorporated in 2007 and is based in Warsaw, Poland.

Stock analysis

Grupa Virtus Spolka Akcyjna (GVT) currently trades at 1.15 PLN, while our estimate is 0.7500 PLN, 35% below the price, so the stock looks overvalued today.

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Valuation

None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Scenario range: 0.5600 PLN (bear) to 0.9400 PLN (bull), the price of 1.15 PLN 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 31/100 (below-average quality), in the Financial Services sector.

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

Grupa Virtus Spolka Akcyjna reported revenue of 250K PLN in FY2025 versus 670K PLN in FY2021, a compound −21.8%/yr. Reported net income was −5.5M PLN in FY2025.

Key figures

Market cap 96.5M PLN (≈ $24.7M) Micro · EPS (TTM) −0.0200 PLN · Return on equity −38.4% · Return on assets (EBIT) −40.4% (3-year average) · Free cash flow −399K PLN.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 30 out of 100 (low confidence).

What moves the price

The share trades about 59% below its 52-week high and 144% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −1% fair-value upside, at −35%, GVT screens richer than that median.

Fair Value

Bear 0.5600 PLN Fair Value 0.7500 PLN Bull 0.9400 PLN
Price 1.15 PLN · Downside -35.0%
Estimate. None of our valuation models currently carries for this company, usually because of losses or heavy investment. The estimate draws on revenue and assets compared with similar companies and is less precise than a model-based fair value.

Quality Score breakdown

Overall quality 31/100

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

Profitability 6
How much profit the company makes from its sales and capital
Quality Growth 57
Are margins and returns getting better?
Cashflow 0
Do the profits arrive as real cash?
Financial strength 71
Debt, balance sheet and risk of trouble
Investment 67
Does it invest with discipline instead of growing at any price?
Low Volatility 50
How calm the share price moves, does not count
Price momentum 46
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 65
Distance to the 52-week high, does not count
New shares 0
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. 36/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
−30.7% (2021) → −456.4% (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

GVT screens overvalued: fair value 35% below the price. Compare with Visa Inc →

Compare Grupa Virtus Spolka Akcyjna with another stock

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.Credit Services · 325 stocks

Beats the industry median on 0/5 measures
Overall it trails its industry peers.
Valuation
Quality Score 31 · Bottom 25%
Fair Value upside −35.0% · Bottom 25%
Profitability
Operating margin (12 months) 0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Below median

Valuation Multiplesvs Credit Services median · lower = cheaper

P/B 18.58× · Priciest 25%

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 Credit Services stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Synchrony Financial, SYF $71.70 $141.92 +98% vs GVT
PayPal Holdings PYPL $58.78 $107.45 +83% vs GVT
Shriram Finance Limited SHRIRAMFIN ₹965.00 ₹1,309 +36% vs GVT
Affirm Holdings AFRM $65.95 $74.92 +14% vs GVT
Bajaj Finance Limited BAJFINANCE ₹1,065 ₹1,055 −1% vs GVT
American Express Company AXP $323.46 $210.02 −35% vs GVT
Visa Inc V $423.00 $242.87 −43% vs GVT
Mastercard Incorporated MA $658.84 $360.13 −45% vs GVT
Capital One Financial Corporation COF $195.84 $106.81 −45% vs GVT
SoFi Technologies, Inc SOFI $16.37 $5.51 −66% vs GVT

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Grupa Virtus Spolka Akcyjna: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Grupa Virtus Spolka Akcyjna Fair Value". https://www.fairvalue-calculator.com/stock/GVT

Frequently asked questions

Is Grupa Virtus Spolka Akcyjna (GVT) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is 0.7500 PLN versus a price of 1.15 PLN, about 35% lower (overvalued).
What is the fair value of GVT?
Our estimate for Grupa Virtus Spolka Akcyjna is 0.7500 PLN (as of Nov 10, 2026), built from audited fundamentals. The current price: 1.15 PLN.
What is the quality score of GVT?
Grupa Virtus Spolka Akcyjna has a Quality Score of 31/100. 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 Grupa Virtus Spolka Akcyjna (GVT)?
Our calculated price target is the estimate of 0.7500 PLN (as of Nov 10, 2026). Cautious scenario 0.5600 PLN, optimistic scenario 0.9400 PLN. It is an estimate from revenue and assets compared with similar companies, because none of our valuation models currently carries, not an analyst target.
What is the Grupa Virtus Spolka Akcyjna stock forecast for 2026?
Our estimate puts fair value at 0.7500 PLN, about 35% lower versus a price of 1.15 PLN (overvalued). Cautious scenario 0.5600 PLN, optimistic scenario 0.9400 PLN. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Grupa Virtus Spolka Akcyjna (GVT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Grupa Virtus Spolka Akcyjna it is 0.7500 PLN per share (as of Nov 10, 2026), against a price of 1.15 PLN.
Is Grupa Virtus Spolka Akcyjna stock overvalued or undervalued in 2026?
As of Nov 10, 2026, GVT trades above its calculated fair value: price 1.15 PLN, fair value 0.7500 PLN, a gap of about −35% (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 GVT?
No. The price is what the market pays today (1.15 PLN); the fair value is what the company's own numbers justify (0.7500 PLN). For Grupa Virtus Spolka Akcyjna the two are 0.4040 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Grupa Virtus Spolka Akcyjna worth?
The market values Grupa Virtus Spolka Akcyjna at about 96.5M PLN (market capitalisation, as of Nov 10, 2026). Per share that is 1.15 PLN; our models calculate a fair value of 0.7500 PLN per share.
What do the bullish and bearish scenarios say about GVT?
Our models span a range for Grupa Virtus Spolka Akcyjna: cautious scenario 0.5600 PLN, base 0.7500 PLN, optimistic 0.9400 PLN per share (as of Nov 10, 2026, price 1.15 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Grupa Virtus Spolka Akcyjna (GVT)?
Balance-sheet figures for Grupa Virtus Spolka Akcyjna (as of Nov 10, 2026): return on equity −38.4%. They feed the Quality Score of 31/100, which measures business quality independently of the share price.
How far is GVT from its 52-week high?
Grupa Virtus Spolka Akcyjna trades at 1.15 PLN, about 59% below its 52-week high of 2.82 PLN and 144% above the low of 0.4730 PLN (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of 0.7500 PLN is for.
Which stocks are comparable to Grupa Virtus Spolka Akcyjna?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Grupa Virtus Spolka Akcyjna stock attractive at the current price?
The data as of Nov 10, 2026: price 1.15 PLN, calculated fair value 0.7500 PLN (−35%), Quality Score 31/100. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
Is it still worth investing in stocks now?
The global stock market currently sits 15.1% above its aggregate fair value. Grupa Virtus Spolka Akcyjna 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 Grupa Virtus Spolka Akcyjna (GVT)?
The closing price on Nov 10, 2026 was 1.15 PLN. Our estimate is 0.7500 PLN, about 35% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Grupa Virtus Spolka Akcyjna right now?
The price sits above even our optimistic bull case (0.9400 PLN). The favourable scenario is already priced in. Weak quality (31/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Grupa Virtus Spolka Akcyjna

How large is the market capitalisation of Grupa Virtus Spolka Akcyjna (GVT)?
The market capitalisation of Grupa Virtus Spolka Akcyjna is 96.5M PLN (≈ $24.7M). 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 are the earnings per share of Grupa Virtus Spolka Akcyjna (GVT)?
Earnings per share at Grupa Virtus Spolka Akcyjna are −0.0200 PLN. Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Grupa Virtus Spolka Akcyjna (GVT)?
The return on equity (ROE) of Grupa Virtus Spolka Akcyjna is −38.4% (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 Grupa Virtus Spolka Akcyjna (GVT)?
On an EBIT basis the return on assets of Grupa Virtus Spolka Akcyjna is −40.4% (avg 3y). 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.
How much free cash flow does Grupa Virtus Spolka Akcyjna (GVT) generate?
The free cash flow of Grupa Virtus Spolka Akcyjna is −399K PLN (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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