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SF Urban Properties AG (0QN6) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of SF Urban Properties AG £0.87, price £1.02, upside -15.1%, quality 41 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? No
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Some data
Sep 24, 2026
SF Urban Properties AG
0QN6 · LSEWeak valuationQuality is weak on top of the rich price.
!Fair value £0.8656 · Overvalued (−15.1%)
!Quality 41/100
!Weak Growth (revenue 5y −6.6 %/yr)
✓Highly profitable · 69.4% net margin (TTM)
!negative free cash flow
!3.6% dividend yield · Watch coverage
✓Wide moat 70/100
!Evidence only medium, so the estimate is less certain
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What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Sep 24, 2026.
How to read this chart
60‑month range £0.8439 – £1.10 · fair‑value band £0.6475 – £1.08 · the £1.02 price screens above the £0.8656 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 Sep 24, 2026.
Company profile
SF Urban Properties AG operates as a real estate company in Switzerland. It invests in residential, commercial, and development properties, as well as develops condominium and site projects. The company was formerly known as Swiss Finance & Property Investment AG and changed its name to SF Urban Properties AG in April 2019.
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SF Urban Properties AG operates as a real estate company in Switzerland. It invests in residential, commercial, and development properties, as well as develops condominium and site projects. The company was formerly known as Swiss Finance & Property Investment AG and changed its name to SF Urban Properties AG in April 2019. The company was founded in 2001 and is based in Zurich, Switzerland.
Stock analysis
SF Urban Properties AG (0QN6) currently trades at £1.02, while our model-based Fair Value estimate is £0.8656, 15.1% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of £1.69 per share, and 3 of the 6 models we run sit above the £1.02 price.
Bear case: the Dividend Discount group reads lowest at £0.1488, and 3 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: £0.6475 (bear) to £1.08 (bull), the price of £1.02 sits inside 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 41/100 (below-average quality), in the Real Estate sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
SF Urban Properties AG reported revenue of £31.7M in FY2025 versus £49.7M in FY2021, a compound −10.6%/yr. Reported net income was £43.8M in FY2025, compounding +20.1%/yr from FY2021.
Key figures
Market cap £3.5M · P/E ratio 0.1 · P/S ratio 0.12 · EPS (TTM) £12.09 · Dividend yield 3.6% · Net margin 138% · Return on equity 11.2% · Return on assets (EBIT) 0.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 50 out of 100 (low confidence).
What moves the price
The share trades about 7% below its 52-week high and 6% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at −10% fair-value upside, at −15%, 0QN6 screens richer than that median.
Fair Value models
Bear £0.6475
Fair Value £0.8656
Bull £1.08
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (£6.38 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.
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.
Highest evidence
Residual Income
£1.52
£1.69
£2.26
76
Gordon GGM
£0.0865
£0.1722
£0.2608
67
DDM Multi-Stage
£0.0865
£0.1488
£0.1817
67
All 6 models by family
Dividend Discount
Gordon GGM
£0.0865
£0.1722
£0.2608
67
DDM Multi-Stage
£0.0865
£0.1488
£0.1817
67
Multiples
P/S Multiple
£0.6493
£0.8656
£1.08
58
P/B Multiple
£2.34
£3.12
£3.91
55
Asset-Based
NCAV (Graham)
£0.8590
£1.15
£1.72
51
Economic Profit
Residual Income
£1.52
£1.69
£2.26
76
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Set up alert →Quality Score breakdown
Overall quality
41/100
Of which business quality 38 · Market factors (momentum, volatility) 59
Profitability
39
Margins and returns on capital today
Quality Growth
63
Are margins and returns improving?
Cashflow
0
Earnings quality: real cash, not paper profit
Fin. Strength
54
Balance sheet, leverage, solvency risk
Investment
60
Disciplined investing over empire-building
Low Volatility
79
Calm price path (market factor)
Momentum
48
Price trend over the last 3–12 months (market factor)
52W Momentum
57
Distance to the 52-week high (market factor)
Net Issuance
27
Share count: buybacks or dilution?
Revenue & earnings trend
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.
13/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−38.9%
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.
−20.8%
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.
−6.6%
Start year 2020 (pandemic). Over 10 years: −0.4% a year
Revenue growth 19 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.
+9.3%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
−91.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−94.8%
Dividend (yield on the price)3.6%
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.−91.7% vs 3.5%, 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.0% → −17%
2025 sits 167% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
0QN6 screens overvalued: fair value 15% below the price. Compare with Vingroup Joint Stock Company →
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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.Real Estate Services · 530 stocks
Beats the industry median on 7/10 measures
Overall it ranks above its industry peers.
Valuation Multiplesvs Real Estate Services median · lower = cheaper
Context: sector, industry, market
- Is the Real Estate sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: Real Estate
- Undervalued stocks: UK Stocks
- Valuation of the UK market
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
None of the checked exposures detected
Similar stocks
10 more Real Estate Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Vingroup Joint Stock Company VIC | 232,000 VND | 25,731 VND | −89% |
| CBRE Group CBRE | $134.55 | $91.06 | −32% |
| KE Holdings 2423 | HK$42.92 | HK$17.16 | −60% |
| Swire Properties Limited 1972 | HK$24.32 | HK$13.39 | −45% |
| Cellnex Telecom, S.A CLNX | €23.99 | €23.94 | +0% |
| Vonovia SE VNA | €16.82 | €36.55 | +117% |
| Jones Lang LaSalle Incorporated JLL | $308.07 | $540.65 | +75% |
| Wharf Real Estate Investment Company 1997 | HK$30.54 | HK$27.42 | −10% |
| CoStar Group CSGP | $26.95 | $6.19 | −77% |
| China Resources Mixc Lifestyle Services Limited 1209 | HK$37.00 | HK$56.36 | +52% |
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Frequently asked questions
Is SF Urban Properties AG (0QN6) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of £0.8656 versus the last price from Sep 24, 2026 of £1.02, about −15% upside (overvalued).
What is the fair value of 0QN6?
Our model-based fair value for SF Urban Properties AG is £0.8656 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Sep 24, 2026): £1.02.
What is the quality score of 0QN6?
SF Urban Properties AG has a Quality Score of 41/100. 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 SF Urban Properties AG (0QN6)?
Our model-based price target is the fair value of £0.8656 (as of Sep 24, 2026) from 6 valuation models. Cautious scenario £0.6475, optimistic scenario £1.08. It is a calculation from audited fundamentals, not an analyst target.
What is the SF Urban Properties AG stock forecast for 2026?
Our models put fair value at £0.8656, about −15% upside versus the last price from Sep 24, 2026 of £1.02 (overvalued). Cautious scenario £0.6475, optimistic scenario £1.08. The calculation is refreshed regularly with new filings.
What is the revenue of SF Urban Properties AG (0QN6)?
SF Urban Properties AG reported trailing-twelve-month revenue of about £61.5M (latest available figure, as of Sep 24, 2026).
Does SF Urban Properties AG pay a dividend?
SF Urban Properties AG currently shows a dividend yield of about 3.61% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of SF Urban Properties AG (0QN6)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For SF Urban Properties AG it is £0.8656 per share (as of Sep 24, 2026), against a price of £1.02. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is SF Urban Properties AG stock overvalued or undervalued in 2026?
As of Sep 24, 2026, 0QN6 trades above its calculated fair value: price £1.02, fair value £0.8656, a gap of about −15% (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 0QN6?
No. The price is what the market pays today (£1.02); the fair value is what the company's own numbers justify (£0.8656). For SF Urban Properties AG the two are £0.1544 per share apart. That gap is exactly why we show both numbers side by side.
How much is SF Urban Properties AG worth?
The market values SF Urban Properties AG at about £3.5M (market capitalisation, as of Sep 24, 2026). Per share that is £1.02; our models calculate a fair value of £0.8656 per share.
What do the bullish and bearish scenarios say about 0QN6?
Our models span a range for SF Urban Properties AG: cautious scenario £0.6475, base £0.8656, optimistic £1.08 per share (as of Sep 24, 2026, price £1.02). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of 0QN6?
SF Urban Properties AG trades at a price-to-earnings ratio of 0.1 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of £0.8656 is built from several models across several years. Other multiples: P/S 0.1.
How solid is the balance sheet of SF Urban Properties AG (0QN6)?
Balance-sheet figures for SF Urban Properties AG (as of Sep 24, 2026): return on equity 11.2%. They feed the Quality Score of 41/100, which measures business quality independently of the share price.
How far is 0QN6 from its 52-week high?
SF Urban Properties AG trades at £1.02, about 7% below its 52-week high of £1.10 and 6% above the low of £0.9658 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of £0.8656 is for.
Which stocks are comparable to SF Urban Properties AG?
From the same area (Real Estate) we also value Vingroup Joint Stock Company, CBRE Group, KE Holdings, Swire Properties Limited, 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 SF Urban Properties AG stock attractive at the current price?
The data as of Sep 24, 2026: price £1.02, calculated fair value £0.8656 (−15%), Quality Score 41/100, from 6 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 0QN6 calculated?
We run SF Urban Properties AG through 6 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 £0.8656, 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. SF Urban Properties AG 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 SF Urban Properties AG (0QN6)?
The latest price we hold is from Sep 24, 2026 and stands at £1.02. Our model-based fair value is £0.8656, about −15% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with SF Urban Properties AG right now?
Weak quality (41/100) and above fair value at the same time, the margin of safety is missing on both counts. As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
Where does the earnings growth of SF Urban Properties AG (0QN6) come from?
Earnings per share at SF Urban Properties AG grew −12.6 % a year from 2014 to 2025. Broken into its drivers: revenue per share +2.4 %, EBIT margin −7.2 %, tax rate +1.9 %, residual (interest, one-offs) −9.7 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of SF Urban Properties AG
How large is the market capitalisation of SF Urban Properties AG (0QN6)?
The market capitalisation of SF Urban Properties AG is £3.5M. 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 SF Urban Properties AG (0QN6)?
The price-to-sales ratio of SF Urban Properties AG is 0.12 (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 SF Urban Properties AG (0QN6)?
Earnings per share at SF Urban Properties AG are £12.09 (price ÷ EPS = P/E 0.1). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of SF Urban Properties AG (0QN6)?
The dividend yield of SF Urban Properties AG is 3.6% (payout 0.3%). 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 SF Urban Properties AG (0QN6)?
The net margin of SF Urban Properties AG is 138% (fiscal year 2025). 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 SF Urban Properties AG (0QN6)?
The return on equity (ROE) of SF Urban Properties AG is 11.2% (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 SF Urban Properties AG (0QN6)?
On an EBIT basis the return on assets of SF Urban Properties AG is 0.6% (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 SF Urban Properties AG (0QN6)?
The operating margin of SF Urban Properties AG is 44.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at SF Urban Properties AG (0QN6)?
Revenue at SF Urban Properties AG is growing +5.6% versus a year earlier (3y avg −20.8%). 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 SF Urban Properties AG (0QN6)?
Earnings per share at SF Urban Properties AG are growing +117% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does SF Urban Properties AG (0QN6) generate?
The free cash flow of SF Urban Properties AG is −£15.3M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does SF Urban Properties AG (0QN6) carry?
The net debt of SF Urban Properties AG is £436M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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