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Obiz S.A (ALBIZ) Fair Value & Analysis

Communication Services · FR · Market cap €16.6M

OS Obiz S.A ALBIZ · PA
Price€2.75
Fair Value€0.7200
Upside-73.8%
Quality35/100
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Mixed Growth
Loss-making · -4.2% net margin
High debt · generates free cash flow
Trails peers (2/11)
Narrow moat 9/100
Evidence: Medium Range €0.3200 – €1.76 Share as image

Fair value as of: Jul 14, 2026

From 3 valuation models · updated 27 days ago

Fair value updated Jul 14, 2026, revised from €4.23 to €0.7200 (−83.0%) since Jun 24, 2026. Share price −2.1% over the past month.

Below-average quality, and screening another 74% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (€1.76). The favourable scenario is already priced in.
  • Weak quality (35/100) and above fair value at the same time, the margin of safety is missing on both counts.
  • The model range is unusually wide (€0.3200 to €1.76). The outcome hinges heavily on assumptions, so read the point estimate with caution.
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Price vs Fair Value (5 years)

€7.45 €2.25 Fair Value €0.7200 Jun 2021 Aug 2026

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

60‑month range €2.25 – €7.45 · fair‑value band €0.3200 – €1.76 · the €2.75 price screens above the €0.7200 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 14, 2026.

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Analysis

Obiz S.A (ALBIZ) currently trades at €2.75, while our model-based Fair Value estimate is €0.7200, implying the stock looks roughly 73.8% overvalued today. The Quality Score stands at 35/100 (below-average quality), in the Communication Services 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: medium).

Over the trailing twelve months, Obiz S.A generated revenue of €135M at a net margin of -4.2%. Revenue grew 22.8% year over year. It earns a return on equity of -60.9%. Net debt stands at €17.6M. Fundamentals as of Jul 14, 2026

Our scenario range runs from €0.3200 (bear case) to €1.76 (bull case); at €2.75, the current price sits above 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 34% below its 52-week high and 29% above its 52-week low, currently above its 200-day average. For context, the median of 10 Communication Services peers we cover trades at -1% fair-value upside, at -74%, ALBIZ screens richer 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.

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
Highest evidence
Gordon GGM €0.2300 €0.3900 €0.5000 70
DDM Multi-Stage €0.2300 €0.3700 €0.4100 61
NCAV (Graham) €0.6000 €0.8100 €1.21 50
All 3 models by family
Dividend Discount
Gordon GGM €0.2300 €0.3900 €0.5000 70
DDM Multi-Stage €0.2300 €0.3700 €0.4100 61
Asset-Based
NCAV (Graham) €0.6000 €0.8100 €1.21 50

Widest divergence: Asset-Based (€0.8100) versus Dividend Discount (€0.3700). Highest evidence: Gordon GGM (70).

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Key figures & financial health

Revenue (TTM) €135M
Revenue growth (YoY) +22.8%
Net margin -4.2%
Return on equity -60.9%
Free cash flow €431K FY2025
Operating margin -5.2%
More key figures
EPS (TTM) €-0.6400
EPS growth (YoY) -16.0%
Net debt €17.6M FY2025

Figures from reported company fundamentals · as of Jul 14, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 35/100

Of which business quality 38 · Market factors (momentum, volatility) 41

Profitability 32
Margins and returns on capital today
Quality Growth 34
Are margins and returns improving?
Cashflow 35
Earnings quality: real cash, not paper profit
Fin. Strength 33
Balance sheet, leverage, solvency risk
Investment 66
Disciplined investing over empire-building
Low Volatility 52
Calm price path (market factor)
Momentum 45
Price trend over the last 3–12 months (market factor)
52W Momentum 22
Distance to the 52-week high (market factor)
Net Issuance 40
Buybacks instead of dilution

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

Obiz S.A. provides relationship marketing and customer loyalty solutions in France and internationally. It develops web platforms and custom-made apps; and provides data driven marketing, animation, and support and consulting solutions, as well as operates Obiz, a digital platform.

Full company description

Obiz S.A. provides relationship marketing and customer loyalty solutions in France and internationally. It develops web platforms and custom-made apps; and provides data driven marketing, animation, and support and consulting solutions, as well as operates Obiz, a digital platform. The company also offers e-gift cards, and leisure and tickets through its online store. In addition, it serves large companies, associations, and federations. Obiz S.A. was incorporated in 2010 and is headquartered in Lyon, France.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Obiz S.A reported revenue of €133M in FY2025 versus €36.9M in FY2021, a compound +37.7%/yr. Reported net income was −€6.3M in FY2025.

Growth Quality 62/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
€133M
Latest YoY
+5.6%
Avg. growth/yr (3Y) 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.
+49.2%
Avg. growth/yr (5Y) 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.
+53.9%
Avg. growth/yr (6Y) 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.
+55.2%
Revenue +37.7%/yr
FY21 €36.9M
FY22 €40.0M
FY23 €83.1M
FY24 €126M
FY25 €133M
Net income
FY21 −€618K
FY22 €62.2K
FY23 €126K
FY24 −€2.6M
FY25 −€6.3M

ALBIZ screens 74% overvalued. Compare with AppLovin Corporation →

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Cite: Fair Value Calculator (2026). "Obiz S.A Fair Value". https://www.fairvalue-calculator.com/stock/ALBIZ

Peer Group

Advertising Agencies · 199 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.

Quality Score 35 · Bottom 25%
Fair Value upside −74% · Bottom 25%
Return on assets -4% · Bottom 25%
Net margin (TTM) -4% · Below median
Operating margin (TTM) -5% · Below median
Revenue growth 23% · Top 25%
Debt / equity 3.21× · Higher than 75% of peers

Valuation Multiples vs Advertising Agencies median · lower = cheaper

P/B 2.72× · Pricier than 75% of peers
P/S (TTM) 0.14× · Cheaper than 75% of peers
P/FCF 44.4× · Pricier than 75% of peers

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.

VALUE 0 · sector 19
FUTURE 100 · sector 8
PAST 0 · sector 7
HEALTH 0 · sector 98
DIVIDEND 0 · sector 66

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Advertising Agencies stocks, each showing price versus our Fair Value estimate (as of Jul 14, 2026).

Stock Price Fair Value vs Fair Value
AppLovin Corporation APP $506.98 $181.37 -64%
Publicis Groupe S.A PUB €87.16 €146.36 +68%
Omnicom Group OMC $80.75 $99.84 +24%
Focus Media Information Technology Co 002027 ¥5.00 ¥4.08 -18%
The Trade Desk, Inc TTD $19.37 $20.76 +7%
BlueFocus Intelligent Communications Group 300058 ¥13.81 ¥1.50 -89%
JCDecaux SE DEC €21.28 €20.99 -1%
WPP plc WPP $18.13 $18.56 +2%
Easy Click Worldwide Network Technology Co 301171 ¥28.85 ¥5.62 -81%
Mobvista Inc 1860 HK$11.15 HK$6.43 -42%

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Frequently asked questions

Is Obiz S.A (ALBIZ) overvalued or undervalued?
As of Jul 14, 2026, our model estimates a fair value of €0.7200 versus a price of €2.75, about −74% (overvalued).
What is the fair value of ALBIZ?
Our model-based fair value for Obiz S.A is €0.7200 (as of Jul 14, 2026), built from audited fundamentals. The current price is €2.75.
What is the quality score of ALBIZ?
Obiz S.A has a Quality Score of 35/100. 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 revenue of Obiz S.A (ALBIZ)?
Obiz S.A reported trailing-twelve-month revenue of about €135M (latest available figure, as of Jul 14, 2026).
What is the net profit margin of ALBIZ?
The net profit margin of Obiz S.A is about -4.2%, meaning it is currently running at a net loss. Based on the latest reported figures.

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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