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Data-driven stock valuation

Matica Fintec S.p.A (MFT) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of Matica Fintec S.p.A stock €0.68, price €2.08, that is 67.3% below the price, quality 10 out of 100. Rating: strongly overvalued. Calculated from audited financials with 9 of our 26 valuation models and 37 quality factors, updated daily.

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Technology IT · ISIN IT0005388449

MF Matica Fintec S.p.A logo Some data Nov 7, 2026

Matica Fintec S.p.A

MFT · MI
Very expensive, weak quality

Our calculation puts a fair price 67% below what the stock costs today.

Expensive Growth (revenue 5y +27.6 %/yr in EUR)
Thin margins · 3.0% net margin (TTM)
Moderate debt
Some data
Fair value €0.6800 · Strongly overvalued
Quality 10/100
Negative free cash flow
Trails peers (3/11)
Narrow moat 27/100 · thin data
⚠ Dilution
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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

€3.21 €1.30 Fair Value €0.6800 Aug 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.

How to read this chart

60‑month range €1.30 – €3.21 · fair‑value band €0.4760 – €0.8415 · the €2.08 price screens above the €0.6800 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 7, 2026.

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Company profile

Matica Fintec S.p.A. designs, produces, and markets hardware and software solutions for financial and digital ID markets.

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It offers central issuance for mid volume production, desktop, software, and special solutions; and personalization of ID cards, including national ID, voters registration cards, vehicle registration cards, driving licenses, and health care cards.

It serves the financial, government, access control, and transit-transportation sectors. The company operates in Europe, Asia, South America, the United States, Africa, the United Arab Emirates, other Middle East, EMEA, Italy, India, Australia, and China. The company is headquartered in Milan, Italy.

Matica Fintec S.p.A. operates as a subsidiary of DISO Verwaltungs AG.

Stock analysis

Matica Fintec S.p.A (MFT) currently trades at €2.08, while our model-based Fair Value estimate is €0.6800, 67% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Economic Profit group reads highest at a median of €0.8700 per share, and 0 of the 8 models we run sit above the €2.08 price.

Bear case: the Earnings-Based group reads lowest at €0.5300, and 8 of the 8 models stay below the price. Data coverage for this calculation is medium.

Scenario range: €0.4760 (bear) to €0.8415 (bull), the price of €2.08 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 10/100 (below-average quality), in the Technology sector.

Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.

Matica Fintec S.p.A reported revenue of €41.9M in FY2025 versus €14.7M in FY2021, a compound +30.0%/yr. Reported net income was €841K in FY2025, compounding −9.0%/yr from FY2021.

Key figures

Market cap €71.9M Micro · P/E ratio 26.0 · P/S ratio 0.96 · EPS (TTM) €0.0800 · Net margin 3.0% · Return on equity 5.5% · Return on assets (EBIT) 9.5% (5-year average) · Operating margin 10.0%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 27 out of 100 (low confidence).

What moves the price

The share trades about 13% below its 52-week high and 22% above its 52-week low, currently above its 200-day average.

For context, the median of 10 Technology peers we cover trades at −6% fair-value upside, at −67%, MFT screens richer than that median.

Fair Value models

Bear €0.4760 Fair Value €0.6800 Bull €0.8415
Price €2.08 · Downside -67.3%
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 (€0.0686 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.
Best data coverage
Residual Income €0.8100 €0.8700 €0.9900 71
Growth-Adj P/E €0.5600 €0.8000 €1.04 67
Graham-Dodd €0.1700 €1.15 €1.62 63
All 9 models by family
Earnings-Based
Graham-Dodd €0.1700 €1.15 €1.62 63
Lynch FV €0.3700 €0.5300 €0.6900 61
PEG = 1.0 €0.3700 €0.5300 €0.6900 57
Multiples
P/E Multiple €0.5100 €0.6800 €0.8500 63
P/S Multiple €0.3100 €0.4100 €0.5200 58
EV/EBIT n/a n/a €0.2500 61
EV/EBITDA €0.3800 €0.8900 €1.40 63
Economic Profit
Residual Income €0.8100 €0.8700 €0.9900 71
Growth Earnings
Growth-Adj P/E €0.5600 €0.8000 €1.04 67

The fair value above starts from this blend and is adjusted for dilution from new shares.

Open the full fair value analysis →

Quality Score breakdown

Overall quality 10/100

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

Profitability 22
How much profit the company makes from its sales and capital
Quality Growth 20
Are margins and returns getting better?
Cashflow 1
Do the profits arrive as real cash?
Financial strength 33
Debt, balance sheet and risk of trouble
Investment 0
Does it invest with discipline instead of growing at any price?
Low Volatility 64
How calm the share price moves, does not count
Price momentum 56
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 55
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. 52/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+95.6%
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.
+28.4%
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.
+27.6%
Start year 2020 (pandemic)
Revenue growth 8 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.
+12.7%
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.
−3.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−3.7%
Dividend (yield on the price)0.0%
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% → 4%

MFT screens overvalued: fair value 67% below the price. Compare with Dell Technologies Inc →

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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.Computer Hardware · 213 stocks

Beats the industry median on 3/11 measures
Overall it trails its industry peers.
Valuation
Quality Score 10 · Bottom 25%
Fair Value upside −67.3% · Bottom 25%
Profitability
Return on equity (12 months) 5.5% · Below median
Return on assets 0.7% · Below median
Net margin (12 months) 3.0% · Below median
Operating margin (12 months) 10.0% · Above median
Growth and dividend
Revenue growth (quarter YoY) 309.1% · Top 25%
Balance sheet
Debt / equity 0.59× · Highest 25%

Valuation Multiplesvs Computer Hardware median · lower = cheaper

P/E (12 months) 26.0× · Pricier than median
P/B 1.26× · 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) 0.96× · Cheaper than median
EV/EBITDA 15.6× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)100 · sector 84
PAST (return on equity)22 · sector 33
HEALTH (low debt)70 · sector 97
DIVIDEND (yield)0 · sector 50

VALUE 0: the price sits above our fair-value range.

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 Computer Hardware stocks, each showing price versus our Fair Value estimate.

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Arista Networks, Inc ANET $170.80 $160.68 −6% vs MFT
Quanta Computer Inc 2382 296.50 TWD 213.20 TWD −28% vs MFT
Western Digital Corporation WDC $263.78 $175.91 −33% vs MFT
Dell Technologies Inc DELL $328.53 $195.72 −40% vs MFT
Everpure, Inc P $96.75 $57.04 −41% vs MFT
Seagate Technology Holdings STX $460.99 $208.25 −55% vs MFT

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Matica Fintec S.p.A: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "Matica Fintec S.p.A Fair Value". https://www.fairvalue-calculator.com/stock/MFT

Frequently asked questions

Is Matica Fintec S.p.A (MFT) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of €0.6800 versus a price of €2.08, about 67% lower (overvalued).
What is the fair value of MFT?
Our model-based fair value for Matica Fintec S.p.A is €0.6800 (as of Nov 7, 2026), built from audited fundamentals. The current price: €2.08.
What is the quality score of MFT?
Matica Fintec S.p.A has a Quality Score of 10/100. 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 Matica Fintec S.p.A (MFT)?
Our model-based price target is the fair value of €0.6800 (as of Nov 7, 2026) from 9 valuation models. Cautious scenario €0.4760, optimistic scenario €0.8415. It is a calculation from audited fundamentals, not an analyst target.
What is the Matica Fintec S.p.A stock forecast for 2026?
Our models put fair value at €0.6800, about 67% lower versus a price of €2.08 (overvalued). Cautious scenario €0.4760, optimistic scenario €0.8415. The calculation is refreshed regularly with new filings.
What is the revenue of Matica Fintec S.p.A (MFT)?
Matica Fintec S.p.A reported trailing-twelve-month revenue of about €75.1M (latest available figure, as of Nov 7, 2026).
What is the intrinsic value of Matica Fintec S.p.A (MFT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Matica Fintec S.p.A it is €0.6800 per share (as of Nov 7, 2026), against a price of €2.08. It is the blended result of 9 valuation models in 4 families (Earnings-Based, Multiples, Economic Profit, Growth Earnings).
Is Matica Fintec S.p.A stock overvalued or undervalued in 2026?
As of Nov 7, 2026, MFT trades above its calculated fair value: price €2.08, fair value €0.6800, a gap of about −67% (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 MFT?
No. The price is what the market pays today (€2.08); the fair value is what the company's own numbers justify (€0.6800). For Matica Fintec S.p.A the two are €1.40 per share apart. That gap is exactly why we show both numbers side by side.
How much is Matica Fintec S.p.A worth?
The market values Matica Fintec S.p.A at about €71.9M (market capitalisation, as of Nov 7, 2026). Per share that is €2.08; our models calculate a fair value of €0.6800 per share.
What do the bullish and bearish scenarios say about MFT?
Our models span a range for Matica Fintec S.p.A: cautious scenario €0.4760, base €0.6800, optimistic €0.8415 per share (as of Nov 7, 2026, price €2.08). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of MFT?
Matica Fintec S.p.A trades at a price-to-earnings ratio of 26.0 (as of Nov 7, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €0.6800 is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 23.0. Other multiples: P/B 1.3, P/S 1.0, EV/EBITDA 15.6.
How solid is the balance sheet of Matica Fintec S.p.A (MFT)?
Balance-sheet figures for Matica Fintec S.p.A (as of Nov 7, 2026): return on equity 5.5%, debt of 0.59 per unit of equity. They feed the Quality Score of 10/100, which measures business quality independently of the share price.
How far is MFT from its 52-week high?
Matica Fintec S.p.A trades at €2.08, about 13% below its 52-week high of €2.40 and 22% above the low of €1.71 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €0.6800 is for.
Which stocks are comparable to Matica Fintec S.p.A?
From the same area (Technology) we also value Dell Technologies Inc, Arista Networks, Inc, Sandisk Corporation, Seagate Technology Holdings, 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 Matica Fintec S.p.A stock attractive at the current price?
The data as of Nov 7, 2026: price €2.08, calculated fair value €0.6800 (−67%), Quality Score 10/100, from 9 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 MFT calculated?
We run Matica Fintec S.p.A through 9 models from 4 families: Earnings-Based, Multiples, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of €0.6800 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. Matica Fintec S.p.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 Matica Fintec S.p.A (MFT)?
The closing price on Nov 6, 2026 was €2.08. Our model-based fair value is €0.6800, about 67% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Matica Fintec S.p.A right now?
The price sits above even our optimistic bull case (€0.8415). The favourable scenario is already priced in. Weak quality (10/100) and above fair value at the same time, the margin of safety is missing on both counts.

Key figures of Matica Fintec S.p.A

How large is the market capitalisation of Matica Fintec S.p.A (MFT)?
The market capitalisation of Matica Fintec S.p.A is €71.9M. 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 Matica Fintec S.p.A (MFT)?
The price-to-sales ratio of Matica Fintec S.p.A is 0.96 (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 Matica Fintec S.p.A (MFT)?
Earnings per share at Matica Fintec S.p.A are €0.0800 (price ÷ EPS = P/E 26.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Matica Fintec S.p.A (MFT)?
The net margin of Matica Fintec S.p.A is 3.0% (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 Matica Fintec S.p.A (MFT)?
The return on equity (ROE) of Matica Fintec S.p.A is 5.5% (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 Matica Fintec S.p.A (MFT)?
On an EBIT basis the return on assets of Matica Fintec S.p.A is 9.5% (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 Matica Fintec S.p.A (MFT)?
The operating margin of Matica Fintec S.p.A is 10.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Matica Fintec S.p.A (MFT)?
Revenue at Matica Fintec S.p.A is growing +309% versus a year earlier (3y avg +28.4%). 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 Matica Fintec S.p.A (MFT)?
Earnings per share at Matica Fintec S.p.A are growing +8.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Matica Fintec S.p.A (MFT) generate?
The free cash flow of Matica Fintec S.p.A is −€68.2M (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 Matica Fintec S.p.A (MFT) carry?
The net debt of Matica Fintec S.p.A is €39.5M (fiscal year 2025). 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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