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POB AG (PO1) fair value: what the stock is really worth

As of Nov 10, 2026: fair value (intrinsic value) of POB AG stock €0.92, price €0.99, that is 6.6% below the price, quality 28 out of 100. Rating: fairly valued. 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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Technology DE · ISIN DE000A12UMB1

PA POB AG logo Thin data Nov 10, 2026

POB AG

PO1 · XETRA
Fairly valued, weak quality

The stock costs about what our calculation considers fair.

Fair value €0.9249 · Fairly valued
Quality 28/100
Weak Growth (revenue 3y −3.4 %/yr in EUR)
Loss-making · -6.3% net margin (FY2025)
High debt
Negative free cash flow
Trails peers (0/9)
Narrow moat 10/100 · 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

€9.18 €0.9900 Fair Value €0.9249 Apr 2023 Nov 2026

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

How to read this chart

43‑month range €0.9900 – €9.18 · fair‑value band €0.6936 – €1.16 · the €0.9900 price screens above the €0.9249 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 10, 2026.

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Company profile

POB AG, an investment holding company, operates as an investment platform focusing on technology-driven, scalable business models in the areas of digital services, artificial intelligence, and digital health.

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It offers Integrated, AI-supported digital and brandformance services for growth-oriented medium-sized companies and international corporations; and digital solutions for mental health and prevention with a scalable digital health business model, as well as develops and implements AI-powered technologies for analyzing, automating, and optimizing business-relevant processes.

The company was formerly known as Performance One AG and changed its name to POB AG in March 2026. POB AG was founded in 2009 and is based in Mannheim, Germany.

Stock analysis

POB AG (PO1) currently trades at €0.9900, while our estimate is €0.9249, so the stock looks roughly fairly valued today (gap 7.0%).

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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: €0.6936 (bear) to €1.16 (bull), the price of €0.9900 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 28/100 (below-average quality), in the Technology sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

POB AG NA O.N. reported revenue of €10.6M in FY2025 versus €12.4M in FY2021, a compound −3.8%/yr. Reported net income was −€674K in FY2025.

Key figures

Market cap €2.1M Micro · EPS (TTM) €−0.4300 · Net margin −6.3% · Return on assets (EBIT) −24.0% (5-year average) · Free cash flow −€506K · Net debt €1.9M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 10 out of 100 (low confidence).

What moves the price

The share trades about 44% below its 52-week high and at its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at 13% fair-value upside, at −7%, PO1 screens richer than that median.

Fair Value

Bear €0.6936 Fair Value €0.9249 Bull €1.16
Price €0.9900 · Downside -6.6%
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 28/100

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 66
Are margins and returns getting better?
Cashflow 3
Do the profits arrive as real cash?
Financial strength 1
Debt, balance sheet and risk of trouble
Investment 95
Does it invest with discipline instead of growing at any price?
Low Volatility 75
How calm the share price moves, does not count
Price momentum 11
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 0
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. 6/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+16.1%
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.
−3.4%
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.
−14.6% (2021) → −7.5% (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.Software - Application · 723 stocks

Beats the industry median on 0/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 28 · Bottom 25%
Fair Value upside −6.6% · Below median
Profitability
Return on assets −13.7% · Bottom 25%
Net margin (12 months) −6.3% · Below median
Operating margin (12 months) 0.0% · Below median
Growth and dividend
Revenue growth (quarter YoY) 0.0% · Below median
Balance sheet
Debt / equity 2.70× · Highest 25%

Valuation Multiplesvs Software - Application median · lower = cheaper

P/B 6.08× · Priciest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)25 · sector 25
FUTURE (revenue growth)0 · sector 40
PAST (return on equity)0 · sector 9
HEALTH (low debt)0 · sector 98
DIVIDEND (yield)0 · sector 28

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 Software - Application stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Adobe Inc ADBE $236.70 $463.72 +96% vs PO1
Salesforce, Inc CRM $213.48 $342.73 +61% vs PO1
Uber Technologies, Inc UBER $70.05 $101.28 +45% vs PO1
Intuit Inc INTU $340.44 $459.14 +35% vs PO1
ServiceNow, Inc NOW $99.61 $112.17 +13% vs PO1
SAP SE SAP €209.95 €173.59 −17% vs PO1
Cadence Design Systems, Inc CDNS $331.64 $225.48 −32% vs PO1
Automatic Data Processing, Inc ADP $305.44 $150.40 −51% vs PO1
Shopify Inc SHOP $146.61 $64.96 −56% vs PO1
Snowflake Inc SNOW $295.76 $73.81 −75% vs PO1

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POB AG NA O.N.: fair value per Fair Value Calculator

Cite: Fair Value Calculator (2026). "POB AG NA O.N. Fair Value". https://www.fairvalue-calculator.com/stock/PO1

Frequently asked questions

Is POB AG (PO1) overvalued or undervalued?
As of Nov 10, 2026, our estimate of fair value is €0.9249 versus a price of €0.9900, about 7% lower (fairly valued).
What is the fair value of PO1?
Our estimate for POB AG is €0.9249 (as of Nov 10, 2026), built from audited fundamentals. The current price: €0.9900.
What is the quality score of PO1?
POB AG has a Quality Score of 28/100. 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 POB AG (PO1)?
Our calculated price target is the estimate of €0.9249 (as of Nov 10, 2026). Cautious scenario €0.6936, optimistic scenario €1.16. 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 POB AG NA O.N. stock forecast for 2026?
Our estimate puts fair value at €0.9249, about 7% lower versus a price of €0.9900 (fairly valued). Cautious scenario €0.6936, optimistic scenario €1.16. The calculation is refreshed regularly with new filings.
What is the intrinsic value of POB AG (PO1)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For POB AG it is €0.9249 per share (as of Nov 10, 2026), against a price of €0.9900.
Is POB AG NA O.N. stock overvalued or undervalued in 2026?
As of Nov 10, 2026, PO1 trades above its calculated fair value: price €0.9900, fair value €0.9249, a gap of about −7% (fairly valued). 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 PO1?
No. The price is what the market pays today (€0.9900); the fair value is what the company's own numbers justify (€0.9249). For POB AG the two are €0.0651 per share apart. That gap is exactly why we show both numbers side by side.
How much is POB AG NA O.N. worth?
The market values POB AG at about €2.1M (market capitalisation, as of Nov 10, 2026). Per share that is €0.9900; our models calculate a fair value of €0.9249 per share.
What do the bullish and bearish scenarios say about PO1?
Our models span a range for POB AG: cautious scenario €0.6936, base €0.9249, optimistic €1.16 per share (as of Nov 10, 2026, price €0.9900). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of POB AG (PO1)?
Balance-sheet figures for POB AG (as of Nov 10, 2026): debt of 2.70 per unit of equity. They feed the Quality Score of 28/100, which measures business quality independently of the share price.
How far is PO1 from its 52-week high?
POB AG trades at €0.9900, about 44% below its 52-week high of €1.76 and at the low of €0.9900 (as of Nov 10, 2026). Distance from the high says nothing about value: that is what the fair value of €0.9249 is for.
Which stocks are comparable to POB AG NA O.N.?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, 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 POB AG NA O.N. stock attractive at the current price?
The data as of Nov 10, 2026: price €0.9900, calculated fair value €0.9249 (−7%), Quality Score 28/100. 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. POB AG 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 POB AG (PO1)?
The closing price on Nov 10, 2026 was €0.9900. Our estimate is €0.9249, about 7% lower (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with POB AG NA O.N. right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of POB AG

How large is the market capitalisation of POB AG (PO1)?
The market capitalisation of POB AG is €2.1M. 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 POB AG (PO1)?
Earnings per share at POB AG are €−0.4300. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of POB AG (PO1)?
The net margin of POB AG is −6.3% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the EBIT return on assets of POB AG (PO1)?
On an EBIT basis the return on assets of POB AG is −24.0% (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.
How much free cash flow does POB AG (PO1) generate?
The free cash flow of POB AG is −€506K (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 POB AG (PO1) carry?
The net debt of POB AG is €1.9M (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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