Both stocks run through our valuation models. Here is how Rubean (R1B) and Microsoft (MSFT) compare, as of Aug 10, 2026.
As of Aug 10, 2026, Fair Value Calculator sees Microsoft as the less overvalued of the two: Rubean trades at €4.54 versus a fair value of €1.50 (-67%), while Microsoft trades at $500 versus $274 (-45%).
Rubean
R1B.XETRA · EUR · Consumer Staples
-67%
upside to fair value
overvalued
Price€4.54
Fair Value€1.50
Quality34/100
Microsoft
MSFT · USD · Information Technology
-45%
upside to fair value
overvalued
Price$500
Fair Value$274
Quality68/100
Head-to-head numbers
Green value = the better side for that row (for valuation multiples: lower = cheaper).
RubeanMicrosoft
Valuation
—P/E (TTM)22.9×
7.16×P/S (TTM)8.99×
1.97×P/B8.33×
—EV/EBITDA15.6×
—PEG1.19×
—Dividend yield0.9%
—Dividend per share$3.56
Profitability
-55%Net margin39%
-129%Operating margin46%
-18%Return on equity34%
-6%Return on assets15%
Growth
-10%Revenue growth (YoY)18%
77.9%Avg. growth/yr (3Y)12.4%
72.3%Avg. growth/yr (5Y)14.5%
Balance & size
—Debt / equity0.12×
$26MMarket cap$2.9T
mixedGrowth qualityexpensive
Microsoft leads: 4 to 5 metric wins.
Dash = 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.
Rubeanof which business quality 34 · market factors 24Microsoftof which business quality 65 · market factors 51
InvestmentDisciplined investing over empire-building
33
1
Low VolatilityCalm price path (market factor)
50
57
MomentumPrice trend over the last 3–12 months (market factor)
17
48
52W MomentumDistance to the 52-week high (market factor)
5
51
Net IssuanceBuybacks instead of dilution
0
84
CashflowEarnings quality: real cash, not paper profit
—
71
What the models say
The median fair value (base case) per model family, each in the currency of its trading venue. Green = above the current price, red = below.
Rubean
Asset-Based€1.77
1 of 1 models see the stock below the current price.
Microsoft
DCF Models$289
Earnings-Based$189
Dividend Discount$61.93
Multiples$206
Asset-Based$30.98
Growth DCF$201
Economic Profit$184
Growth Earnings$276
26 of 26 models see the stock below the current price.
Scenario ranges
From our cautious bear case to the optimistic bull case. The white tick is the current price: left of fair value means room to run.
Rubean
Bear €1.12Fair Value €1.50Bull €2.24
€4.54 = current price (white tick)
Microsoft
Bear $159Fair Value $274Bull $358
$500 = current price (white tick)
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Ranked within their sector
Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.
Rubean · Consumer Staples
Quality score34 · bottom 25%
Fair value upside-67% · bottom 25%
Microsoft · Information Technology
Quality score68 · Top 25%
Fair value upside-45% · below median
Bottom line
As of Aug 10, 2026, Fair Value Calculator sees Microsoft as the less overvalued of the two: Rubean trades at €4.54 versus a fair value of €1.50 (-67%), while Microsoft trades at $500 versus $274 (-45%).
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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.
