Austriacard Holdings (ACAG) Fair Value & Analysis
Technology · GR · Market cap €348M
Fair value as of: Jul 14, 2026
From 24 valuation models · updated 28 days ago
Fair value updated Jul 14, 2026, revised from €8.97 to €8.16 (−9.0%) since Jun 24, 2026. Share price +0.5% over the past month.
A solid business, but screening 17% overvalued on our models.
What matters now
- Solid but not exceptional quality (51/100) and above fair value, neither a clear bargain nor a standout compounder.
- Our model range runs from €5.94 (bear) to €10.21 (bull), base €8.16. The closer the price sits to the lower half, the larger the margin of safety.
- Quality 51/100 (solid quality) with high evidence: the data supports the verdict.
Price vs Fair Value (3 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 14, 2026.
How to read this chart
41‑month range €4.80 – €9.84 · fair‑value band €5.94 – €10.21 · the €9.82 price screens above the €8.16 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 14, 2026.
Analysis
Austriacard Holdings (ACAG) currently trades at €9.82, while our model-based Fair Value estimate is €8.16, implying the stock looks roughly 16.9% overvalued today. The Quality Score stands at 51/100 (solid 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, Austriacard Holdings generated revenue of €367M at a net margin of 4.4%. Revenue grew 8.3% year over year. It earns a return on equity of 13.3%. Net debt stands at €68.0M. Fundamentals as of Jul 14, 2026
Our scenario range runs from €5.94 (bear case) to €10.21 (bull case); at €9.82, 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 near its 52-week high and 107% above its 52-week low, currently above its 200-day average. For context, the median of 10 Technology peers we cover trades at -25% fair-value upside, at -17%, ACAG 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 24 models by family
Widest divergence: DCF Models (€8.93) versus Asset-Based (€2.47). Highest evidence: Growth DCF (80).
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Jul 14, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 53 · Market factors (momentum, volatility) 90
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
Austriacard Holdings AG provides business-to-business secure data and payment solutions in Europe. The company operates through two segments, Digital Security and Information Management. The company engages in the production, development, and personalization of smart cards for banks, public organizations, and retail chains.
Full company description
Austriacard Holdings AG provides business-to-business secure data and payment solutions in Europe. The company operates through two segments, Digital Security and Information Management. The company engages in the production, development, and personalization of smart cards for banks, public organizations, and retail chains. It offers digital security solutions, such as dual interface payment cards, government electronic identification cards, and mobile payment solutions. The company also offers information management solutions, including customer communication management services or enterprise document management, and scanning and archiving services, as well as digitalization solutions, such as digital onboarding, OCR / data capture solutions for automatic document recognition and registration using machine learning, robotic process automation, natural language understanding, and cognitive analytics solutions, as well as printing services for banks, telecommunication companies, public sector, and industrial/trade companies. In addition, it provides assets tracking, remote control of fridges and warehouses, communication, architecture, and custom end-to-end solutions. The company offers its products under AUSTRIACARD, INFORM, and Nautilus brand names. Austriacard Holdings AG was founded in 2010 and is based in Vienna, Austria.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
Austriacard Holdings reported revenue of €360M in FY2025 versus €178M in FY2021, a compound +19.3%/yr. Reported net income was €14.7M in FY2025, compounding +12.3%/yr from FY2021.
ACAG screens 17% overvalued. Compare with International Business Machines Corporation →
Peer Group
Information Technology Services · 475 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 Information Technology Services 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.
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 Information Technology Services stocks, each showing price versus our Fair Value estimate (as of Jul 14, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| International Business Machines Corporation IBM | $235.92 | $143.90 | -39% |
| Accenture plc ACNN | 2,460 MXN | 250.95 MXN | -90% |
| Infosys Limited INFY | ₹1,156 | ₹1,457 | +26% |
| HCL Technologies Limited HCLTECH | ₹1,204 | ₹1,230 | +2% |
| Wipro Limited WIPRO | ₹178.43 | ₹226.81 | +27% |
| Tech Mahindra Limited TECHM | ₹1,455 | ₹1,086 | -25% |
| Samsung SDS Co 018260 | 199,300 KRW | 196,390 KRW | -1% |
| Persistent Systems Limited PERSISTENT | ₹5,059 | ₹2,364 | -53% |
| Hyundai Autoever Corporation 307950 | 393,000 KRW | 133,088 KRW | -66% |
| Coforge Limited COFORGE | ₹1,541 | ₹702.84 | -54% |
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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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