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Quality & Reliability A.B.E.E (QUAL) fair value: what the stock is really worth

As of Nov 9, 2026: fair value (intrinsic value) of Quality & Reliability A.B.E.E stock €0.50, price €1.18, that is 57.6% below the price, quality 22 out of 100. Rating: strongly overvalued. Calculated from audited financials with 14 of our 26 valuation models and 37 quality factors, updated daily.

14 models, one by oneBear €0.4420 to bull €0.5525 Growth analysisrevenue history, year by year Quality 22/100 in detail37 factors, each one shown Compared with its peersrank on every measure, side by side

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Technology GR · ISIN GRS396003006

Some data Nov 9, 2026

Quality & Reliability A.B.E.E

QUAL · AT

Very expensive, weak quality

Our calculation puts a fair price 58% below what the stock costs today.

Low debt

Last quarter vs. a year ago: revenue +61%, profit +85%.

Expensive Growth (revenue 5y +48.5 %/yr in EUR)

Thin margins · 6.2% net margin (TTM)

Mixed vs. peers (7/12)

Moderate moat 49/100

Some data

Fair value €0.5015 · Strongly overvalued

Quality 22/100

Negative free cash flow

⚠ 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

White line = price, green steps = our fair value per fiscal year. As of Nov 9, 2026.

How to read this chart

60‑month range €0.2418 – €1.45 · fair‑value band €0.4420 – €0.5525 · the €1.18 price screens above the €0.5015 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 9, 2026.

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Company profile

Quality & Reliability A.B.E.E, together with its subsidiaries, delivers integrated information systems for large and mid-size enterprises in the public and private sector in Greece and internationally.

Show moreShow less

It offers personnel and payroll, property, citizen records, social security, and road traffic police fine management software solutions, as well as e-procurement software and public financials solutions; and enterprise solutions in various areas, such as ERP systems, retail solutions, HR and payroll systems, document management, business intelligence and analytics, port management, e-business, and e-book platforms.

The company also provides IT services including, design, software development, software quality assurance, testing, software deployment, documentation, software upgrades, and enhancements, as well as machine learning and system integration; research and development services for software technologies in the areas of e-books, machine learning, and artificial intelligence; and enterprise web portals, label e-commerce solutions, cross-platform mobile applications, and multi-platform e-book interactive educational authoring tools.

Quality & Reliability A.B.E.E. was founded in 1992 and is headquartered in Marousi, Greece.

Stock analysis

Quality & Reliability A.B.E.E (QUAL) currently trades at €1.18, while our model-based Fair Value estimate is €0.5015, 58% below the price, so the stock looks overvalued today.

Valuation

Bull case: the Growth Earnings group reads highest at a median of €0.7600 per share, and 2 of the 14 models we run sit above the €1.18 price.

Bear case: the Economic Profit group reads lowest at €0.3700, and 12 of the 14 models stay below the price. Data coverage for this calculation is medium.

Scenario range: €0.4420 (bear) to €0.5525 (bull), the price of €1.18 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 22/100 (below-average quality), in the Technology sector.

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

Quality & Reliability A.B.E.E reported revenue of €21.0M in FY2025 versus €2.9M in FY2021, a compound +63.5%/yr. Reported net income was €584K in FY2025.

Key figures

Market cap €41.7M Micro · P/E ratio 23.6 · P/S ratio 1.59 · EPS (TTM) €0.0500 · Net margin 6.2% · Return on equity 21.7% · Return on assets (EBIT) 4.6% (5-year average) · Operating margin 18.4%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (medium confidence).

What moves the price

The share trades about 16% below its 52-week high and 16% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at −58%, QUAL screens richer than that median.

Fair Value models

Bear €0.4420 Fair Value €0.5015 Bull €0.5525

Price €1.18 · Downside -57.6%

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 (€0.0429 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

EPV €0.5100 €0.5500 €0.5900 74

ROIC Compounder €0.5200 €0.5900 €0.6500 72

Residual Income €0.1400 €0.1500 €0.1700 71

All 14 models by family

Earnings-Based

Graham-Dodd €0.1100 €0.7800 €1.10 63

Lynch FV €0.3600 €0.5100 €0.6600 61

PEG = 1.0 €0.3600 €0.5100 €0.6600 57

EPV €0.5100 €0.5500 €0.5900 74

Multiples

P/E Multiple €0.3500 €0.4600 €0.5800 63

P/S Multiple €0.2100 €0.2800 €0.3500 58

P/B Multiple €0.0700 €0.1000 €0.1200 55

EV/EBIT €0.9600 €1.30 €1.64 66

EV/EBITDA €1.12 €1.52 €1.92 67

EV/Revenue €0.4500 €0.6700 €0.9000 53

Asset-Based

NCAV (Graham) €0.0100 €0.0100 €0.0200 52

Economic Profit

Residual Income €0.1400 €0.1500 €0.1700 71

ROIC Compounder €0.5200 €0.5900 €0.6500 72

Growth Earnings

Growth-Adj P/E €0.5300 €0.7600 €0.9900 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 22/100

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

Profitability 35

How much profit the company makes from its sales and capital

Quality Growth 44

Are margins and returns getting better?

Cashflow 2

Do the profits arrive as real cash?

Financial strength 32

Debt, balance sheet and risk of trouble

Investment 24

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 32

Price momentum of the last 3 to 12 months, does not count

Near the 52-week high 30

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. 62/100

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

Revenue growth 1 year

+38.7%

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.

+48.2%

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.

+48.5%

Start year 2020 (pandemic). Over 10 years: +10.7% a year

Revenue growth 14 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.

+15.1%

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What shareholders gained per year (last 3 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 3 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.

≈ +22.4%

Earnings growth per share plus dividend.

Earnings per share, growth per year+22.4%

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.−11% → 10%

⚠ Approximate: the rate leans on 2025, which sits 78% above its own trend.

QUAL screens overvalued: fair value 58% below the price. Compare with SAP SE →

Compare Quality & Reliability A.B.E.E 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.Software - Application · 628 stocks

Beats the industry median on 7/12 measures

A mixed picture versus its industry peers.

Valuation

Quality Score 22 · Bottom 25%

Fair Value upside −57.5% · Bottom 25%

Profitability

Return on equity (12 months) 21.7% · Top 25%

Return on assets 1.9% · Below median

Net margin (12 months) 6.2% · Above median

Operating margin (12 months) 18.4% · Top 25%

Growth and dividend

Revenue growth (quarter YoY) 60.8% · Top 25%

Balance sheet

Debt / equity 0.12× · Above median

Valuation Multiplesvs Software - Application median · lower = cheaper

P/E (12 months) 23.6× · Cheaper than median

P/B 7.03× · Priciest 25%

P/S (12 months) 1.59× · Cheaper than median

EV/EBITDA 9.5× · Cheaper than median

Strength profile in five axes (Snowflake)

This stock

Sector peers

VALUE (fair-value potential)0 · sector 29

FUTURE (revenue growth)100 · sector 41

PAST (return on equity)87 · sector 20

HEALTH (low debt)94 · sector 98

DIVIDEND (yield)0 · sector 29

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

Stock	Price	Fair Value	vs Fair Value	Compare
Adobe Inc ADBE	$239.30	$463.72	+94%	vs QUAL
Salesforce, Inc CRM	$213.65	$342.73	+60%	vs QUAL
Uber Technologies, Inc UBER	$68.59	$101.28	+48%	vs QUAL
Intuit Inc INTU	$341.50	$459.14	+34%	vs QUAL
ServiceNow, Inc NOW	$101.97	$112.17	+10%	vs QUAL
SAP SE SAP	€210.75	€173.59	−18%	vs QUAL
Cadence Design Systems, Inc CDNS	$319.92	$225.48	−30%	vs QUAL
Automatic Data Processing, Inc ADP	$303.35	$150.40	−50%	vs QUAL
Shopify Inc SHOP	$148.91	$64.96	−56%	vs QUAL
Snowflake Inc SNOW	$275.88	$73.81	−73%	vs QUAL

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Cite: Fair Value Calculator (2026). "Quality & Reliability A.B.E.E Fair Value". https://www.fairvalue-calculator.com/stock/QUAL

Frequently asked questions

Is Quality & Reliability A.B.E.E (QUAL) overvalued or undervalued?

As of Nov 9, 2026, our model estimates a fair value of €0.5015 versus a price of €1.18, about 58% lower (overvalued).

What is the fair value of QUAL?

Our model-based fair value for Quality & Reliability A.B.E.E is €0.5015 (as of Nov 9, 2026), built from audited fundamentals. The current price: €1.18.

What is the quality score of QUAL?

Quality & Reliability A.B.E.E has a Quality Score of 22/100. 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 Quality & Reliability A.B.E.E (QUAL)?

Our model-based price target is the fair value of €0.5015 (as of Nov 9, 2026) from 14 valuation models. Cautious scenario €0.4420, optimistic scenario €0.5525. It is a calculation from audited fundamentals, not an analyst target.

What is the Quality & Reliability A.B.E.E stock forecast for 2026?

Our models put fair value at €0.5015, about 58% lower versus a price of €1.18 (overvalued). Cautious scenario €0.4420, optimistic scenario €0.5525. The calculation is refreshed regularly with new filings.

What is the revenue of Quality & Reliability A.B.E.E (QUAL)?

Quality & Reliability A.B.E.E reported trailing-twelve-month revenue of about €26.3M (latest available figure, as of Nov 9, 2026).

What is the intrinsic value of Quality & Reliability A.B.E.E (QUAL)?

Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Quality & Reliability A.B.E.E it is €0.5015 per share (as of Nov 9, 2026), against a price of €1.18. It is the blended result of 14 valuation models in 5 families (Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings).

Is Quality & Reliability A.B.E.E stock overvalued or undervalued in 2026?

As of Nov 9, 2026, QUAL trades above its calculated fair value: price €1.18, fair value €0.5015, a gap of about −58% (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 QUAL?

No. The price is what the market pays today (€1.18); the fair value is what the company's own numbers justify (€0.5015). For Quality & Reliability A.B.E.E the two are €0.6805 per share apart. That gap is exactly why we show both numbers side by side.

How much is Quality & Reliability A.B.E.E worth?

The market values Quality & Reliability A.B.E.E at about €41.7M (market capitalisation, as of Nov 9, 2026). Per share that is €1.18; our models calculate a fair value of €0.5015 per share.

What do the bullish and bearish scenarios say about QUAL?

Our models span a range for Quality & Reliability A.B.E.E: cautious scenario €0.4420, base €0.5015, optimistic €0.5525 per share (as of Nov 9, 2026, price €1.18). The range comes from different growth and margin assumptions, not from analyst opinions.

What is the P/E ratio of QUAL?

Quality & Reliability A.B.E.E trades at a price-to-earnings ratio of 23.6 (as of Nov 9, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €0.5015 is built from several models across several years. Other multiples: P/B 7.0, P/S 1.6, EV/EBITDA 9.5.

How solid is the balance sheet of Quality & Reliability A.B.E.E (QUAL)?

Balance-sheet figures for Quality & Reliability A.B.E.E (as of Nov 9, 2026): return on equity 21.7%, debt of 0.12 per unit of equity. They feed the Quality Score of 22/100, which measures business quality independently of the share price.

How far is QUAL from its 52-week high?

Quality & Reliability A.B.E.E trades at €1.18, about 16% below its 52-week high of €1.40 and 16% above the low of €1.02 (as of Nov 9, 2026). Distance from the high says nothing about value: that is what the fair value of €0.5015 is for.

Which stocks are comparable to Quality & Reliability A.B.E.E?

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 Quality & Reliability A.B.E.E stock attractive at the current price?

The data as of Nov 9, 2026: price €1.18, calculated fair value €0.5015 (−58%), Quality Score 22/100, from 14 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 QUAL calculated?

We run Quality & Reliability A.B.E.E through 14 models from 5 families: Earnings-Based, Multiples, Asset-Based, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of €0.5015 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. Quality & Reliability A.B.E.E 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 Quality & Reliability A.B.E.E (QUAL)?

The closing price on Nov 9, 2026 was €1.18. Our model-based fair value is €0.5015, about 58% lower (overvalued). We carry closing prices from our data provider, not a live tick.

What should I pay attention to with Quality & Reliability A.B.E.E right now?

The price sits above even our optimistic bull case (€0.5525). The favourable scenario is already priced in. Weak quality (22/100) and above fair value at the same time, the margin of safety is missing on both counts.

Key figures of Quality & Reliability A.B.E.E

How large is the market capitalisation of Quality & Reliability A.B.E.E (QUAL)?

The market capitalisation of Quality & Reliability A.B.E.E is €41.7M. 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 is the P/S ratio of Quality & Reliability A.B.E.E (QUAL)?

The price-to-sales ratio of Quality & Reliability A.B.E.E is 1.59 (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 Quality & Reliability A.B.E.E (QUAL)?

Earnings per share at Quality & Reliability A.B.E.E are €0.0500 (price ÷ EPS = P/E 23.6). Earnings per share over the last twelve months: total profit spread across every single share.

What is the net margin of Quality & Reliability A.B.E.E (QUAL)?

The net margin of Quality & Reliability A.B.E.E is 6.2% (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 Quality & Reliability A.B.E.E (QUAL)?

The return on equity (ROE) of Quality & Reliability A.B.E.E is 21.7% (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 Quality & Reliability A.B.E.E (QUAL)?

On an EBIT basis the return on assets of Quality & Reliability A.B.E.E is 4.6% (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 Quality & Reliability A.B.E.E (QUAL)?

The operating margin of Quality & Reliability A.B.E.E is 18.4% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.

How fast is revenue growing at Quality & Reliability A.B.E.E (QUAL)?

Revenue at Quality & Reliability A.B.E.E is growing +60.8% versus a year earlier (3y avg +48.2%). 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 Quality & Reliability A.B.E.E (QUAL)?

Earnings per share at Quality & Reliability A.B.E.E are growing +85.2% versus a year earlier. How much earnings per share grew versus a year earlier.

How much free cash flow does Quality & Reliability A.B.E.E (QUAL) generate?

The free cash flow of Quality & Reliability A.B.E.E is −€2.3M (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 Quality & Reliability A.B.E.E (QUAL) carry?

The net debt of Quality & Reliability A.B.E.E is €2.3M (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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