Saga Furs Oyj C (SAGCV) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Saga Furs Oyj C stock €20.99, price €15.20, upside +38.1%, quality 70 out of 100. Rating: undervalued. Calculated from audited financials with 24 of our 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 7, 2026.
How to read this chart
60‑month range €6.05 – €16.65 · fair‑value band €16.50 – €22.90 · the €15.20 price screens below the €20.99 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 7, 2026.
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Saga Furs Oyj operates an auction house furs in Finland. The company provides finnraccoon, fox, and mink furs on a global scale. It serves fur breeders and suppliers, clothing designers, manufacturers, and fashion houses.
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The company was formerly known as Turkistuottajat Oyj and changed its name to Saga Furs Oyj in October 2011. Saga Furs Oyj was incorporated in 1938 and is headquartered in Vantaa, Finland.
Stock analysis
Saga Furs Oyj C (SAGCV) currently trades at €15.20, while our model-based Fair Value estimate is €20.99, implying the stock looks roughly 28% undervalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of €45.50 per share, and 20 of the 24 models we run sit above the €15.20 price.
Bear case: the Dividend Discount group reads lowest at €6.13, and 4 of the 24 models stay below the price. Data coverage for this calculation is medium.
Scenario range: €16.50 (bear) to €22.90 (bull), the price of €15.20 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 70/100 (solid quality), in the Consumer Cyclical sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Saga Furs Oyj C reported revenue of €42.3M in FY2025 versus €51.0M in FY2021, a compound −4.6%/yr. Reported net income was €3.5M in FY2025, compounding −27.6%/yr from FY2021.
Key figures
Market cap €53.8M Micro · P/E ratio 6.9 · P/S ratio 1.08 · EPS (TTM) €2.25 · Dividend yield 4.7% · Net margin 16.0% · Return on equity 9.2% · Return on assets (EBIT) 2.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 45 out of 100 (low confidence).
What moves the price
The share trades about 9% below its 52-week high and 151% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −8% fair-value upside, at 38%, SAGCV screens cheaper than that median.
Fair Value models
Bear€16.50Fair Value €20.99Bull€22.90
Price €15.20 · Upside +38.1%
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 12 months old). Earnings retained since then (€1.53 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.
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.82/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+3.0%
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.
+2.9%
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.
+8.5%
Start year 2020 (pandemic). Over 10 years: −3.2% a year
Revenue growth 25 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.
+2.3%
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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.
−23.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−28.5%
Dividend (yield on the price)4.7%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−28.5% vs −5.8%, slowing
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.−45% → 3%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 3.2%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Little optimism in the price
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
less than -40 %
The company could shrink this much every year for the next five years and today's price would still be justified.
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.Textile Manufacturing · 338 stocks
Beats the industry median on 11/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score70 · Top 25%
Fair Value upside+38.1% · Top 25%
Profitability
Return on equity (12 months)9.2% · Above median
Return on assets3.0% · Above median
Net margin (12 months)16.0% · Top 25%
Operating margin (12 months)6.5% · Above median
Growth and dividend
Revenue growth (quarter YoY)55.7% · Top 25%
Dividend yield (12 months)4.7% · Top 25%
Valuation Multiplesvs Textile Manufacturing median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Saga Furs Oyj C Fair Value". https://www.fairvalue-calculator.com/stock/SAGCV
Frequently asked questions
Is Saga Furs Oyj C (SAGCV) overvalued or undervalued?
As of Nov 7, 2026, our model estimates a fair value of €20.99 versus a price of €15.20, about +38% upside (undervalued).
What is the fair value of SAGCV?
Our model-based fair value for Saga Furs Oyj C is €20.99 (as of Nov 7, 2026), built from audited fundamentals. The current price: €15.20.
What is the quality score of SAGCV?
Saga Furs Oyj C has a Quality Score of 70/100. 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 Saga Furs Oyj C (SAGCV)?
Our model-based price target is the fair value of €20.99 (as of Nov 7, 2026) from 24 valuation models. Cautious scenario €16.50, optimistic scenario €22.90. It is a calculation from audited fundamentals, not an analyst target.
What is the Saga Furs Oyj C stock forecast for 2026?
Our models put fair value at €20.99, about +38% upside versus a price of €15.20 (undervalued). Cautious scenario €16.50, optimistic scenario €22.90. The calculation is refreshed regularly with new filings.
What is the revenue of Saga Furs Oyj C (SAGCV)?
Saga Furs Oyj C reported trailing-twelve-month revenue of about €49.8M (latest available figure, as of Nov 7, 2026).
Does Saga Furs Oyj C pay a dividend?
Saga Furs Oyj C currently shows a dividend yield of 4.74% relative to its recent price (as of Nov 7, 2026).
How much is the dividend of Saga Furs Oyj C (SAGCV) and when is the ex-dividend date?
Saga Furs Oyj C pays a dividend of €0.72 per share a year, a dividend yield of 4.7%. The last ex-dividend date was Apr 29, 2026. A dividend has been paid every year since 2022. The payout ratio is 32.0% of earnings. Free cash flow covers the dividend 6.40 times. Our assessment: Well covered. A low payout and the dividend is fully funded by free cash flow, a comfortable, sustainable dividend.
What growth is priced into Saga Furs Oyj C (SAGCV)?
For today's price to be fair in a discounted-cash-flow model, Saga Furs Oyj C would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 12.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +8.5 % per year. As of Nov 7, 2026.
What discount rate (WACC) does the fair value of SAGCV use?
Our models discount Saga Furs Oyj C at 12.9 %: a base by market capitalisation (micro), country premium for Finland. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Saga Furs Oyj C that is less than minus 40 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (12.9 %) and the same formula as our fair value.
How much growth has Saga Furs Oyj C (SAGCV) delivered so far?
Over the past 5 years revenue at Saga Furs Oyj C grew +8.5 % a year. The price currently implies free-cash-flow growth of less than minus 40 % per year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Saga Furs Oyj C (SAGCV) growing?
The median revenue growth in the sector is +7.8 % a year. That is the yardstick for the growth priced into Saga Furs Oyj C (less than minus 40 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Saga Furs Oyj C (SAGCV)?
The free-cash-flow yield on the price is 22.60 %: that much free cash flow Saga Furs Oyj C produces per unit of market value. When it exceeds the discount rate of our models (12.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Saga Furs Oyj C (SAGCV)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Saga Furs Oyj C it is €20.99 per share (as of Nov 7, 2026), against a price of €15.20. It is the blended result of 24 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is Saga Furs Oyj C stock overvalued or undervalued in 2026?
As of Nov 7, 2026, SAGCV trades below its calculated fair value: price €15.20, fair value €20.99, a gap of about +38% (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 SAGCV?
No. The price is what the market pays today (€15.20); the fair value is what the company's own numbers justify (€20.99). For Saga Furs Oyj C the two are €5.79 per share apart. That gap is exactly why we show both numbers side by side.
How much is Saga Furs Oyj C worth?
The market values Saga Furs Oyj C at about €53.8M (market capitalisation, as of Nov 7, 2026). Per share that is €15.20; our models calculate a fair value of €20.99 per share.
What do the bullish and bearish scenarios say about SAGCV?
Our models span a range for Saga Furs Oyj C: cautious scenario €16.50, base €20.99, optimistic €22.90 per share (as of Nov 7, 2026, price €15.20). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of SAGCV?
Saga Furs Oyj C trades at a price-to-earnings ratio of 6.9 (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 €20.99 is built from several models across several years. Median P/E at fiscal year-end, 6 fiscal years (2017 to 2025), reported earnings: 8.8. Other multiples: P/B 0.6, P/S 1.1.
How solid is the balance sheet of Saga Furs Oyj C (SAGCV)?
Balance-sheet figures for Saga Furs Oyj C (as of Nov 7, 2026): return on equity 9.2%. They feed the Quality Score of 70/100, which measures business quality independently of the share price.
How far is SAGCV from its 52-week high?
Saga Furs Oyj C trades at €15.20, about 9% below its 52-week high of €16.65 and 151% above the low of €6.05 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of €20.99 is for.
Which stocks are comparable to Saga Furs Oyj C?
From the same area (Consumer Cyclical) we also value Tongkun Group, Shenzhou International Group, Inner Mongolia ERDOS Resources Co, Far Eastern New Century 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 Saga Furs Oyj C stock attractive at the current price?
The data as of Nov 7, 2026: price €15.20, calculated fair value €20.99 (+38%), Quality Score 70/100, from 24 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 SAGCV calculated?
We run Saga Furs Oyj C through 24 models from 8 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of €20.99 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. Saga Furs Oyj C currently trades 28% 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 Saga Furs Oyj C (SAGCV)?
The closing price on Nov 6, 2026 was €15.20. Our model-based fair value is €20.99, about +38% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Saga Furs Oyj C right now?
The price is below even our cautious bear case (€16.50). The market is more pessimistic than our downside scenario. Solid quality (70/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of Saga Furs Oyj C
How large is the market capitalisation of Saga Furs Oyj C (SAGCV)?
The market capitalisation of Saga Furs Oyj C is €53.8M. 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 Saga Furs Oyj C (SAGCV)?
The price-to-sales ratio of Saga Furs Oyj C is 1.08 (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 Saga Furs Oyj C (SAGCV)?
Earnings per share at Saga Furs Oyj C are €2.25 (price ÷ EPS = P/E 6.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Saga Furs Oyj C (SAGCV)?
The dividend yield of Saga Furs Oyj C is 4.7% (payout 32.0%). 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 Saga Furs Oyj C (SAGCV)?
The net margin of Saga Furs Oyj C is 16.0% (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 Saga Furs Oyj C (SAGCV)?
The return on equity (ROE) of Saga Furs Oyj C is 9.2% (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 Saga Furs Oyj C (SAGCV)?
On an EBIT basis the return on assets of Saga Furs Oyj C is 2.0% (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.
What is the operating margin of Saga Furs Oyj C (SAGCV)?
The operating margin of Saga Furs Oyj C is 6.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Saga Furs Oyj C (SAGCV)?
Revenue at Saga Furs Oyj C is growing +55.7% versus a year earlier (3y avg +2.9%). 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 Saga Furs Oyj C (SAGCV)?
Earnings per share at Saga Furs Oyj C are growing +164% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Saga Furs Oyj C (SAGCV) hold?
Saga Furs Oyj C holds more cash than debt, €51.7M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Nov 7, 2026