123fahrschule SE (123F) fair value: what the stock is really worth
We calculate from audited financials what 123fahrschule SE is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
Valuation from Jul 18, 2026. With the latest figures (losses, negative cash flow), a fair value can no longer be calculated.
Watch 123fahrschule SE for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.Watch for freePro now: $1 first month
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 18, 2026.
How to read this chart
59‑month range €1.29 – €13.70 · fair‑value band €0.4300 – €0.8600 · the €2.50 price screens above the €0.5800 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 18, 2026.
Follow 123fahrschule in your weekly email
Every Wednesday you see whether 123fahrschule is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
123fahrschule SE operates in the driving school industry in Germany. It offers professional, truck, bus, motorcycle, and car driving training services, as well as online theory and driving instruction services. The company was founded in 2016 and is based in Cologne, Germany.
Stock analysis
123fahrschule SE (123F) currently trades at €2.50, while our model-based Fair Value estimate is €0.5800, implying the stock looks roughly 331.0% overvalued today.
Show more
Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: €0.4300 (bear) to €0.8600 (bull), the price of €2.50 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 36/100 (below-average quality), in the Consumer Defensive sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
123fahrschule SE reported revenue of €25.0M in FY2025 versus €7.8M in FY2021, a compound +34.0%/yr. Reported net income was −€6.5M in FY2025.
Key figures
Market cap €13.9M · P/S ratio 0.56 · EPS (TTM) €−1.17 · Net margin −26.2% · Return on equity −81.0% · Return on assets (EBIT) −24.5% · Operating margin −43.2% · Revenue (TTM) €25.7M.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).
What moves the price
The share trades about 33% below its 52-week high and 10% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Consumer Defensive peers we cover trades at 14% fair-value upside, at −77%, 123F screens richer than that median.
Fair Value models
Bear €0.4300Fair Value €0.5800Bull €0.8600
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.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.44/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+11.1%
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.
+14.5%
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.
+42.4%
Start year 2020 (pandemic)
’20
’21
’22
’23
’24
’25
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.
−66.9% (2020) → −25.8% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
Price, fair value, quality and upside side by side.
Free, no sign-up
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.Education & Training Services · 142 stocks
Beats the industry median on 2/8 measures
Overall it trails its industry peers.
Valuation
Quality Score36 · Bottom 25%
Fair Value upside−76% · Bottom 25%
Profitability
Return on assets−21% · Bottom 25%
Net margin (TTM)−25% · Bottom 25%
Operating margin (TTM)−43% · Bottom 25%
Growth and dividend
Revenue growth6% · Above median
Balance sheet
Debt / equity1.01× · Highest 25%
Valuation Multiplesvs Education & Training Services median · lower = cheaper
P/B3.19× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (TTM)0.60× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 47
FUTURE (revenue growth)29· sector 27
PAST (return on equity)0· sector 29
HEALTH (low debt)50· sector 95
DIVIDEND (yield)0· sector 61
VALUE 0: the price sits above our fair-value range.
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "123fahrschule SE Fair Value". https://www.fairvalue-calculator.com/stock/123F
Frequently asked questions
Is 123fahrschule SE (123F) overvalued or undervalued?
As of Jul 18, 2026, our model estimates a fair value of €0.5800 versus a price of €2.50, about −77% upside (overvalued).
What is the fair value of 123F?
Our model-based fair value for 123fahrschule SE is €0.5800 (as of Jul 18, 2026), built from audited fundamentals. The current price: €2.50.
What is the quality score of 123F?
123fahrschule SE has a Quality Score of 36/100. 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 123fahrschule SE (123F)?
Our model-based price target is the fair value of €0.5800 (as of Jul 18, 2026) from 1 valuation models. Cautious scenario €0.4300, optimistic scenario €0.8600. It is a calculation from audited fundamentals, not an analyst target.
What is the 123fahrschule SE stock forecast for 2026?
Our models put fair value at €0.5800, about −77% upside versus a price of €2.50 (overvalued). Cautious scenario €0.4300, optimistic scenario €0.8600. The calculation is refreshed regularly with new filings.
What is the revenue of 123fahrschule SE (123F)?
123fahrschule SE reported trailing-twelve-month revenue of about €25.7M (latest available figure, as of Jul 18, 2026).
What is the intrinsic value of 123fahrschule SE (123F)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For 123fahrschule SE it is €0.5800 per share (as of Jul 18, 2026), against a price of €2.50. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is 123fahrschule SE stock overvalued or undervalued in 2026?
As of Jul 18, 2026, 123F trades above its calculated fair value: price €2.50, fair value €0.5800, a gap of about −77% (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 123F?
No. The price is what the market pays today (€2.50); the fair value is what the company's own numbers justify (€0.5800). For 123fahrschule SE the two are €1.92 per share apart. That gap is exactly why we show both numbers side by side.
How much is 123fahrschule SE worth?
The market values 123fahrschule SE at about €13.9M (market capitalisation, as of Jul 18, 2026). Per share that is €2.50; our models calculate a fair value of €0.5800 per share.
What do the bullish and bearish scenarios say about 123F?
Our models span a range for 123fahrschule SE: cautious scenario €0.4300, base €0.5800, optimistic €0.8600 per share (as of Jul 18, 2026, price €2.50). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of 123fahrschule SE (123F)?
Balance-sheet figures for 123fahrschule SE (as of Jul 18, 2026): return on equity −81.0%, debt of 1.01 per unit of equity. They feed the Quality Score of 36/100, which measures business quality independently of the share price.
How far is 123F from its 52-week high?
123fahrschule SE trades at €2.50, about 33% below its 52-week high of €3.74 and 10% above the low of €2.28 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €0.5800 is for.
Which stocks are comparable to 123fahrschule SE?
From the same area (Consumer Defensive) we also value New Oriental Education & Technology Group, TAL Education Group, Laureate Education, Inc, Grand Canyon Education, 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 123fahrschule SE stock attractive at the current price?
The data as of Jul 18, 2026: price €2.50, calculated fair value €0.5800 (−77%), Quality Score 36/100, from 1 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 123F calculated?
We run 123fahrschule SE through 1 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 €0.5800, 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 13.0 % above its aggregate fair value. 123fahrschule SE 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 123fahrschule SE (123F)?
The closing price on Sep 24, 2026 was €2.50. Our model-based fair value is €0.5800, about −77% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with 123fahrschule SE right now?
The price sits above even our optimistic bull case (€0.8600). The favourable scenario is already priced in. Weak quality (36/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (€0.4300 to €0.8600) leaves room in how you read the outcome.
Key figures of 123fahrschule SE
How large is the market capitalisation of 123fahrschule SE (123F)?
The market capitalisation of 123fahrschule SE is €13.9M. 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 123fahrschule SE (123F)?
The price-to-sales ratio of 123fahrschule SE is 0.56 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of 123fahrschule SE (123F)?
Earnings per share at 123fahrschule SE are €−1.17. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of 123fahrschule SE (123F)?
The net margin of 123fahrschule SE is −26.2% (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 123fahrschule SE (123F)?
The return on equity (ROE) of 123fahrschule SE is −81.0% (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 123fahrschule SE (123F)?
On an EBIT basis the return on assets of 123fahrschule SE is −24.5% (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 123fahrschule SE (123F)?
The operating margin of 123fahrschule SE is −43.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at 123fahrschule SE (123F)?
Revenue at 123fahrschule SE is growing +5.8% versus a year earlier (3y avg +14.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does 123fahrschule SE (123F) generate?
The free cash flow of 123fahrschule SE is −€3.1M (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 123fahrschule SE (123F) carry?
The net debt of 123fahrschule SE is €5.6M (fiscal year 2025). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch 123fahrschule SE in the live analysis
One click puts 123fahrschule SE on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
