Asseco Business Solutions S.A (ABS) Fair Value & Analysis
Technology · PL · Market cap 2.9B PLN
Fair value as of: Jul 12, 2026
From 26 valuation models · updated 29 days ago
Share price +0.9% over the past month.
A strong business, but screening 18% overvalued on our models.
What matters now
- A high-quality business (quality 86/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety.
- Our model range runs from 54.61 PLN (bear) to 91.19 PLN (bull), base 72.90 PLN. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 86/100 (high quality) with high evidence: the data supports the verdict.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 12, 2026.
How to read this chart
60‑month range 23.33 PLN – 91.60 PLN · fair‑value band 54.61 PLN – 91.19 PLN · the 89.00 PLN price screens above the 72.90 PLN fair value. Dashed = 300-day average. As of Jul 12, 2026.
Analysis
Asseco Business Solutions S.A (ABS) currently trades at 89.00 PLN, while our model-based Fair Value estimate is 72.90 PLN, implying the stock looks roughly 18.1% overvalued today. The Quality Score stands at 86/100 (high quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: high).
Over the trailing twelve months, Asseco Business Solutions S.A generated revenue of 499M PLN at a net margin of 29.6%. Revenue grew 20.6% year over year. It earns a return on equity of 34.3%. Net debt stands at 8.6M PLN. Fundamentals as of Jul 12, 2026
Our scenario range runs from 54.61 PLN (bear case) to 91.19 PLN (bull case); at 89.00 PLN, the current price sits within that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 3% below its 52-week high and 38% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at -18%, ABS screens cheaper than that median.
Fair Value models
Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.
All 26 models by family
Widest divergence: DCF Models (89.45 PLN) versus Asset-Based (8.70 PLN). Highest evidence: Growth DCF (80).
Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 12, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 83 · Market factors (momentum, volatility) 63
Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.
About the company
Asseco Business Solutions S.A. designs and develops enterprise software solutions in Poland and internationally. The company offers enterprise resource planning (ERP) systems, including softlab ERP, macrologic ERP, and wapro ERP for business management of large, medium, and small enterprises, as well as business cloud solutions.
Full company description
Asseco Business Solutions S.A. designs and develops enterprise software solutions in Poland and internationally. The company offers enterprise resource planning (ERP) systems, including softlab ERP, macrologic ERP, and wapro ERP for business management of large, medium, and small enterprises, as well as business cloud solutions. It also provides mobile touch, a sales force automation solution; connector, a data integration and management platform, as well as faktor, a factoring solution; and direct portal, an online store platform. In addition, the company offers e-commerce platforms, such as e-commerce standard and e-commerce enterprise; and Faktor, a system designed to support factoring transactions of banks and financial institutions. It serves FMCG, food production, retail, wholesale, construction, automotive, furniture, electrotechnology, and steel industries, as well as HR in logistics and accounting firms. The company was founded in 2001 and is based in Lublin, Poland.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Asseco Business Solutions S.A reported revenue of 477M PLN in FY2025 versus 307M PLN in FY2021, a compound +11.6%/yr. Reported net income was 133M PLN in FY2025, compounding +13.3%/yr from FY2021.
ABS screens 18% overvalued. Compare with SAP SE →
Peer Group
Software - Application · 709 stocks
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.
Valuation Multiples vs Software - Application median · lower = cheaper
Snowflake
Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.
Insider activity: 45/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate (as of Jul 12, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAPS | C$12.69 | C$16.26 | +28% |
| Shopify Inc SHOP | C$173.23 | C$20.54 | -88% |
| Uber Technologies, Inc UBER | $72.67 | $51.11 | -30% |
| Salesforce, Inc CRM | $170.77 | $182.10 | +7% |
| ServiceNow, Inc NOW | $107.71 | $33.12 | -69% |
| Cadence Design Systems, Inc CDNS | $384.17 | $80.41 | -79% |
| Snowflake Inc SNOW | $271.87 | $34.04 | -87% |
| Adobe Inc ADBE | $230.61 | $379.48 | +65% |
| Automatic Data Processing, Inc ADP | $241.92 | $177.51 | -27% |
| Intuit Inc INTU | $291.09 | $258.69 | -11% |
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How we calculate Fair Value
Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.
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