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Addiko Bank AG (ADKO) Fair Value & Analysis

Financial Services · AT · Market cap €511M

Price€27.00
Fair Value€29.66
Upside+9.9%
Quality95/100
Evidence: Medium Range €22.24 – €37.07

Fair value as of: Jun 25, 2026

Analysis

Addiko Bank AG (ADKO) currently trades at €27.00, while our model-based Fair Value estimate is €29.66 — implying the stock looks roughly 9.9% undervalued today. We read business quality at 95/100 (high quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium) — always confirm before acting.

About the company

Addiko Bank AG provides various banking products and services in Croatia, Slovenia, Serbia, Bosnia and Herzegovina, Montenegro, Austria, Germany, and Serbia. It operates through Consumer, Small and Medium-Sized Enterprises (SME), Mortgage, Large Corporates, and Public Finance segments. The company offers online and direct deposits; consumer and public finance, mortgage loans relating to real estate purchase or leveraging private real estate as collateral, unsecured personal loan products and working capital loans, and trade finance products. It serves private individuals, SMEs, entrepreneurs, ministries of finance, state enterprises, local governments, and public institutions. Addiko Bank AG is headquartered in Vienna, Austria.

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Frequently asked questions

Is Addiko Bank AG (ADKO) undervalued?
As of Jun 25, 2026, our model estimates a fair value of €29.66 versus a price of €27.00 — about +10% (undervalued). Model-based estimate, not financial advice.
What is the fair value of ADKO?
Our 21-model fair value for Addiko Bank AG is €29.66 (as of Jun 25, 2026), built from audited fundamentals. The current price is €27.00.
What is the quality score of ADKO?
Addiko Bank AG has a Quality Score of 95/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.