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STOCK COMPARISON

Renta 4 Banco S.A vs Fondul Proprietatea: Fair Value & Quality

Both stocks run through our valuation models. Here is how Renta 4 Banco S.A (R4) and Fondul Proprietatea (FP) compare, as of Aug 10, 2026.

As of Aug 10, 2026, Fair Value Calculator sees Fondul Proprietatea as the less overvalued of the two: Renta 4 Banco S.A trades at €19.50 versus a fair value of €6.09 (-69%), while Fondul Proprietatea trades at 0.61 versus 0.21 (-66%).
Renta 4 Banco S.A
R4.MC · EUR · Financials
-69%
upside to fair value
overvalued
Price€19.50
Fair Value€6.09
Quality67/100
Fondul Proprietatea
FP.RO · Financials
-66%
upside to fair value
overvalued
Price0.61
Fair Value0.21
Quality92/100

Head-to-head numbers

Green value = the better side for that row (for valuation multiples: lower = cheaper).

Renta 4 Banco S.AFondul Proprietatea
Valuation
16.8×P/E (TTM)4.3×
3.28×P/S (TTM)0.81×
5.09×P/B0.17×
Dividend yield6.9%
Dividend per share0.04
Profitability
17%Net margin92%
20%Operating margin
27%Return on equity20%
2%Return on assets11%
Growth
17%Revenue growth (YoY)524%
38.2%Avg. growth/yr (3Y)-45.0%
24.7%Avg. growth/yr (5Y)
Balance & size
$900MMarket cap$387M
mixedGrowth qualityweak

Fondul Proprietatea leads: 2 to 6 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.

Renta 4 Banco S.Aof which business quality 66 · market factors 65 Fondul Proprietateaof which business quality 87 · market factors 80
ProfitabilityMargins and returns on capital today
37
67
Quality GrowthAre margins and returns improving?
45
95
CashflowEarnings quality: real cash, not paper profit
62
100
Fin. StrengthBalance sheet, leverage, solvency risk
100
73
InvestmentDisciplined investing over empire-building
67
100
Low VolatilityCalm price path (market factor)
96
87
MomentumPrice trend over the last 3–12 months (market factor)
46
71
52W MomentumDistance to the 52-week high (market factor)
62
86
Net IssuanceBuybacks instead of dilution
81
100

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.

Renta 4 Banco S.A

DCF Models€51.92
Earnings-Based€28.66
Dividend Discount€8.17
Multiples€9.86
Asset-Based€2.91
Growth DCF€53.18
Economic Profit€7.23

7 of 13 models see the stock below the current price.

Fondul Proprietatea

DCF Models2.74
Earnings-Based6.29
Multiples1.55
Asset-Based0.53
Growth DCF0.84
Economic Profit1.26

1 of 10 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.

Renta 4 Banco S.A
Bear €4.56Fair Value €6.09Bull €7.61
€19.50 = current price (white tick)
Fondul Proprietatea
Bear 0.16Fair Value 0.21Bull 0.27
0.61 = 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.

Renta 4 Banco S.A · Financials

Quality score67 · Top 25%
Fair value upside-69% · bottom 25%

Fondul Proprietatea · Financials

Quality score92 · Top 25%
Fair value upside-66% · bottom 25%

Bottom line

As of Aug 10, 2026, Fair Value Calculator sees Fondul Proprietatea as the less overvalued of the two: Renta 4 Banco S.A trades at €19.50 versus a fair value of €6.09 (-69%), while Fondul Proprietatea trades at 0.61 versus 0.21 (-66%).

Fondul Proprietatea has the higher quality score (92/100).

See the full analysis →

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A model-based valuation snapshot from 21 models. Values change with price and fundamentals; the date shown above applies.