Austriacard Holdings AG (ACAG) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Austriacard Holdings AG €8.81, price €9.77, upside -9.8%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? No
- Good quality? Yes
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Austriacard Holdings AG
ACAG · ATOvervalued / MonitorQuality is not strong enough to offset the price risk.
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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 23, 2026.
How to read this chart
42‑month range €4.75 – €9.90 · fair‑value band €5.73 – €12.66 · the €9.77 price screens above the €8.81 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Company profile
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.
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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.
Stock analysis
Austriacard Holdings AG (ACAG) currently trades at €9.77, while our model-based Fair Value estimate is €8.81, implying the stock looks roughly 10.9% fairly valued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of €10.65 per share, and 13 of the 24 models we run sit above the €9.77 price.
Bear case: the Asset-Based group reads lowest at €2.47, and 11 of the 24 models stay below the price. Evidence for this calculation is high.
Scenario range: €5.73 (bear) to €12.66 (bull), the price of €9.77 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 51/100 (solid quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Austriacard Holdings AG 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.
Key figures
Market cap €351M · P/E ratio 25.7 · P/S ratio 1.05 · EPS (TTM) €0.3800 · Net margin 4.1% · Return on equity 13.3% · Return on assets (EBIT) 8.0% · Operating margin 6.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 1% below its 52-week high and 106% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at 53% fair-value upside, at −10%, ACAG screens richer than that median.
Fair Value models
All 24 models by family
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Set up alert →Quality Score breakdown
Of which business quality 53 · Market factors (momentum, volatility) 85
Revenue & earnings trend
Growth Forecast
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Compare Austriacard Holdings AG with another stock
Price, fair value, quality and upside side by side.
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.Information Technology Services · 498 stocks
Valuation Multiplesvs Information Technology Services median · lower = cheaper
Strength profile in five axes (Snowflake)
Context: sector, industry, market
- Is the Information Technology sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
Similar stocks
10 more Information Technology Services stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| International Business Machines Corporation IBM | $227.06 | $186.56 | −18% |
| Accenture plc ACN | $183.52 | $305.06 | +66% |
| Tata Consultancy Services Limited TCS | ₹2,090 | ₹2,993 | +43% |
| Infosys Limited INFY | ₹1,021 | ₹1,690 | +66% |
| HCL Technologies Limited HCLTECH | ₹1,257 | ₹1,926 | +53% |
| Fidelity National Information Services, Inc FIS | $34.67 | $32.47 | −6% |
| Cognizant Technology Solutions Corporation CTSH | $59.14 | $132.01 | +123% |
| Wipro Limited WIPRO | ₹164.90 | ₹287.90 | +75% |
| CDW Corporation CDW | $146.16 | $162.00 | +11% |
| Broadridge Financial Solutions, Inc BR | $163.45 | $145.34 | −11% |
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Key figures of Austriacard Holdings AG
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