EN DE
STOCK COMPARISON

Cloud Technologies S.A vs Microsoft: Fair Value & Quality

Both stocks run through our valuation models. Here is how Cloud Technologies S.A (CLD) and Microsoft (MSFT) compare, as of Sep 25, 2026.

As of Sep 25, 2026, Fair Value Calculator sees Microsoft as the more attractively valued of the two: Cloud Technologies S.A trades at PLN 129 versus a fair value of PLN 39.30 (-69%), while Microsoft trades at $498 versus $551 (+11%).
Cloud Technologies S.A
CLD.WAR · PLN · Information Technology
-69%
upside to fair value
overvalued
PricePLN 129
Fair ValuePLN 39.30
Quality82/100
Microsoft
MSFT · USD · Information Technology
+11%
upside to fair value
undervalued
Price$498
Fair Value$551
Quality66/100
Get comparisons like this free by email every month: the most undervalued quality stocks.

Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

Cloud Technologies S.AMicrosoft
Valuation
58.9×P/E (TTM)27.8×
2.87×P/S (TTM)11.18×
1.90×P/B8.39×
6.0×EV/EBITDA19.2×
n/aPEG1.62×
−69.4%Fair value upside+10.6%
0.9%Dividend yield0.7%
PLN 1.10Dividend per share$3.64
Profitability
22%Operating margin45%
n/aEBIT margin trend (5Y)1.13×
13%Return on equity34%
10%Return on assets14%
Growth
17%Revenue growth (YoY)18%
n/aAvg. growth/yr (3Y)16.1%
n/aAvg. growth/yr (5Y)14.6%
+15.5%Value creation/yr+17.5%
Balance & size
57.8×Interest coverage (EBIT/interest)50.9×
n/aDebt / equity0.07×
$151MMarket cap$3.7T
healthyGrowth qualityexpensive

Cloud Technologies S.A leads: 6 to 5 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Cloud Technologies S.Aof which business quality 79 · market factors 82 Microsoftof which business quality 64 · market factors 63
ProfitabilityMargins and returns on capital today
64
76
Quality GrowthAre margins and returns improving?
68
64
CashflowEarnings quality: real cash, not paper profit
85
61
Fin. StrengthBalance sheet, leverage, solvency risk
84
79
InvestmentDisciplined investing over empire-building
93
0
Low VolatilityCalm price path (market factor)
57
58
MomentumPrice trend over the last 3–12 months (market factor)
88
70
52W MomentumDistance to the 52-week high (market factor)
100
55
Net IssuanceShare count: buybacks or dilution?
89
83

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyCloud Technologies S.APrice PLN 129MicrosoftPrice $498
DCF Models-68%below the pricePLN 41.07-24%below the price$376
Earnings-Based-79%below the pricePLN 26.36-49%below the price$252
Dividend Discountn/a-86%below the price$68.03
Multiples-61%below the pricePLN 49.77-22%below the price$387
Asset-Based-91%below the pricePLN 12.10-92%below the price$39.92
Growth DCF-75%below the pricePLN 31.78-47%below the price$264
Economic Profit-84%below the pricePLN 19.96-54%below the price$231
Growth Earnings-64%below the pricePLN 45.85-12%close to the price$440
Minimum-91%below the pricePLN 12.10-92%below the price$39.92
Maximum-61%below the pricePLN 49.77-12%close to the price$440
Median-75%below the pricePLN 31.78-48%below the price$258
Geometric mean-77%below the pricePLN 29.39-60%below the price$201

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Cloud Technologies S.A: 22 of 22 models see the stock below the current price.

Microsoft: 21 of 26 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Cloud Technologies S.A
Price PLN 129
Fair Value PLN 39.30
Bear PLN 27.68Bull PLN 51.86
Microsoft
Price $498
Fair Value $551
Bear $275Bull $717

Compare two other stocks

Tap a field and type again, ticker or company name.

Free, no sign-up

Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Cloud Technologies S.A · Information Technology

Quality score82 · Top 25%
Fair value upside-69% · bottom 25%

Microsoft · Information Technology

Quality score66 · Top 25%
Fair value upside+11% · above median

Bottom line

As of Sep 25, 2026, Fair Value Calculator sees Microsoft as the more attractively valued of the two: Cloud Technologies S.A trades at PLN 129 versus a fair value of PLN 39.30 (-69%), while Microsoft trades at $498 versus $551 (+11%).

Cloud Technologies S.A has the higher quality score (82/100).

Open Microsoft live analysis →
Cloud Technologies S.A · Microsoft

More comparisons

Popular match-ups from the same sectors, all with fair value and quality score.

Related to Cloud Technologies S.A

Microsoft vs NvidiaApple vs MicrosoftNvidia vs Taiwan Semiconductor ManufacturingApple vs Taiwan Semiconductor Manufacturing

Related to Microsoft

Microsoft vs Taiwan Semiconductor ManufacturingBroadcom vs MicrosoftMicrosoft vs Micron TechnologyAdvanced Micro Devices vs Microsoft
Free · Top-25 report

See the undervalued quality stocks every month

Just your email for the monthly Top-25 report of the most undervalued quality stocks, with fair value, quality and price target. Plus 14 days of Pro to try, no card.

Free. You confirm by email (double opt-in) and can unsubscribe anytime in one click. Not financial advice.

A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.