TXT e-solutions S.p.A (0NLD) fair value: what the stock is really worth
As of Sep 30, 2026: fair value of TXT e-solutions S.p.A €24.42, price €53.60, upside -54.4%, quality 62 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range €5.64 – €55.10 · fair‑value band €15.58 – €31.74 · the €53.60 price screens above the €24.42 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
TXT e-solutions S.p.A. provides software products worldwide. It operates through Software Engineering, Smart Solutions, and Digital Advisory segments.
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TXT e-solutions S.p.A. provides software products worldwide. It operates through Software Engineering, Smart Solutions, and Digital Advisory segments. The company offers DESMO for the analysis of aircraft designs; ACE for aircraft configuration environments; Halo for optimizing system architecture; ACE MyCabin for aircraft and cabin configuration; WEAVR for XR training; FPO for cost-efficient speeds and altitudes in all flight phases; Missions for route and aircraft analysis; RNA for aircraft performance and cost analysis; VAPS for interactive real-time graphical displays; UA Accelerator, which develops ARINC user applications; Instruct IQ, a data-driven training analytics tool; fixed base training devices; VIXR Virtual Reality, a virtual instructor extended reality; FMS trainers, which simulates a flight; and Maintenance Trainers, a free-play tool to train CDU and LRU bite tasks. It also provides AI and advanced analytics, extended reality, internet of things, cybersecurity, edge computing, simulation and training, real time, and customer experience solutions for governments and public sectors; specialized solutions for the financial markets, including software development and quality, consumer credit and NPL management, risk management and AML, payment and innovation, supply chain finance, and UI/UX and fast prototyping solutions; Faraday, a platform for anti-money laundering, anti-corruption, anti-terrorism, and others; Assiopay, a digital solution for payments, vouchers, loyalty programs management, and e-commerce; Polaris a digital platform for the supply chain finance programs; and application management, ICT consultancy, crowdtesting, proprietary platforms, advanced caring, and tech onsite solutions for the telco industry. The company was formerly known as TXT Ingegneria Informatica S.p.A. and changed its name to TXT e-solutions S.p.A. in March 2000. TXT e-solutions S.p.A. was founded in 1989 and is headquartered in Cologno Monzese, Italy.
Stock analysis
TXT e-solutions S.p.A (0NLD) currently trades at €53.60, while our model-based Fair Value estimate is €24.42, 54.4% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of €14.46 per share, and 0 of the 25 models we run sit above the €53.60 price.
Bear case: the Asset-Based group reads lowest at €4.82, and 25 of the 25 models stay below the price. Evidence for this calculation is high.
Scenario range: €15.58 (bear) to €31.74 (bull), the price of €53.60 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 62/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
TXT e-solutions S.p.A reported revenue of €68.8M in FY2020 versus €33.1M in FY2016, a compound +20.1%/yr. Reported net income was €4.5M in FY2020, compounding −5.3%/yr from FY2016.
Key figures
Market cap €409M · P/E ratio 0.6 · P/S ratio 0.04 · EPS (TTM) €0.7400 · Dividend yield 0.7% · Net margin 6.5% · Return on equity 15.3% · Return on assets (EBIT) 2.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 127% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at −8% fair-value upside, at −54%, 0NLD screens richer than that median.
Fair Value models
The price assumes far more growth than our models allow for, so the models scatter widely (€0.2000 to €17.84). Read the Fair Value as a cautious anchor, not a price target; the Growth Forecast section shows what the price assumes.
Bear €15.58Fair Value €24.42Bull €31.74
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single model.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.Evidence ⓘEvidence = 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.87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+16.4%
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.
+24.2%
’16
’17
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Profit margin (trend) ⓘ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.
9.5% (2016) → 4.6% (2020)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no share-count history
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Is TXT e-solutions S.p.A (0NLD) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of €24.42 versus a price of €53.60, about −54% upside (overvalued).
What is the fair value of 0NLD?
Our model-based fair value for TXT e-solutions S.p.A is €24.42 (as of Sep 24, 2026), built from audited fundamentals. The current price: €53.60.
What is the quality score of 0NLD?
TXT e-solutions S.p.A has a Quality Score of 62/100. 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 TXT e-solutions S.p.A (0NLD)?
Our model-based price target is the fair value of €24.42 (as of Sep 24, 2026) from 25 valuation models. Cautious scenario €15.58, optimistic scenario €31.74. It is a calculation from audited fundamentals, not an analyst target.
What is the TXT e-solutions S.p.A stock forecast for 2026?
Our models put fair value at €24.42, about −54% upside versus a price of €53.60 (overvalued). Cautious scenario €15.58, optimistic scenario €31.74. The calculation is refreshed regularly with new filings.
Does TXT e-solutions S.p.A pay a dividend?
TXT e-solutions S.p.A currently shows a dividend yield of about 0.65% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of TXT e-solutions S.p.A (0NLD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For TXT e-solutions S.p.A it is €24.42 per share (as of Sep 24, 2026), against a price of €53.60. It is the blended result of 25 valuation models (cash flow, earnings, asset, dividend).
Is TXT e-solutions S.p.A stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0NLD trades above its calculated fair value: price €53.60, fair value €24.42, a gap of about −54% (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 0NLD?
No. The price is what the market pays today (€53.60); the fair value is what the company's own numbers justify (€24.42). For TXT e-solutions S.p.A the two are €29.18 per share apart. That gap is exactly why we show both numbers side by side.
How much is TXT e-solutions S.p.A worth?
The market values TXT e-solutions S.p.A at about €409M (market capitalisation, as of Sep 24, 2026). Per share that is €53.60; our models calculate a fair value of €24.42 per share.
What do the bullish and bearish scenarios say about 0NLD?
Our models span a range for TXT e-solutions S.p.A: cautious scenario €15.58, base €24.42, optimistic €31.74 per share (as of Sep 24, 2026, price €53.60). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is 0NLD from its 52-week high?
TXT e-solutions S.p.A trades at €53.60, about 3% below its 52-week high of €55.10 and 127% above the low of €23.64 (as of Sep 30, 2026). Distance from the high says nothing about value: that is what the fair value of €24.42 is for.
Which stocks are comparable to TXT e-solutions S.p.A?
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 TXT e-solutions S.p.A stock attractive at the current price?
The data as of Sep 24, 2026: price €53.60, calculated fair value €24.42 (−54%), Quality Score 62/100, from 25 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 0NLD calculated?
We run TXT e-solutions S.p.A through 25 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €24.42, 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 14.5 % above its aggregate fair value. TXT e-solutions S.p.A 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 TXT e-solutions S.p.A (0NLD)?
The closing price on Sep 30, 2026 was €53.60. Our model-based fair value is €24.42, about −54% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with TXT e-solutions S.p.A right now?
The price sits above even our optimistic bull case (€31.74). The favourable scenario is already priced in. Solid but not exceptional quality (62/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (€15.58 to €31.74) leaves room in how you read the outcome.
Key figures of TXT e-solutions S.p.A
How large is the market capitalisation of TXT e-solutions S.p.A (0NLD)?
The market capitalisation of TXT e-solutions S.p.A is €409M. 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/E ratio of TXT e-solutions S.p.A (0NLD)?
The price-to-earnings ratio of TXT e-solutions S.p.A is 0.6 (as of Jul 27, 2026). Price to earnings: how many years of current profit you pay for the stock. A P/E of 10 means ten years of profit.
What is the P/S ratio of TXT e-solutions S.p.A (0NLD)?
The price-to-sales ratio of TXT e-solutions S.p.A is 0.04 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of TXT e-solutions S.p.A (0NLD)?
Earnings per share at TXT e-solutions S.p.A are €0.7400 (price ÷ EPS = P/E 0.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of TXT e-solutions S.p.A (0NLD)?
The dividend yield of TXT e-solutions S.p.A is 0.7% (payout 47.3%). 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 TXT e-solutions S.p.A (0NLD)?
The net margin of TXT e-solutions S.p.A is 6.5% (fiscal year 2020). 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 TXT e-solutions S.p.A (0NLD)?
The return on equity (ROE) of TXT e-solutions S.p.A is 15.3% (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 TXT e-solutions S.p.A (0NLD)?
On an EBIT basis the return on assets of TXT e-solutions S.p.A is 2.5% (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 TXT e-solutions S.p.A (0NLD)?
The operating margin of TXT e-solutions S.p.A is 9.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at TXT e-solutions S.p.A (0NLD)?
Revenue at TXT e-solutions S.p.A is growing +18.5% versus a year earlier (3y avg +24.2%). 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 TXT e-solutions S.p.A (0NLD)?
Earnings per share at TXT e-solutions S.p.A are growing +3.9% versus a year earlier. How much earnings per share grew versus a year earlier.
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