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Bernard Loiseau S.A (ALDBL) Fair Value & Analysis

Consumer Cyclical · FR · Market cap €6.6M

BL Bernard Loiseau S.A ALDBL · PA
Price€3.50
Fair Value€10.28
Upside+193.7%
Quality54/100
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Weak Growth
Highly profitable · 23.5% net margin
Moderate debt · negative free cash flow
Mixed vs. peers (6/12)
Moderate moat 62/100
Evidence: Medium Range €7.71 – €12.84 Share as image

Fair value as of: Jul 17, 2026

From 8 valuation models · updated 23 days ago

Share price +0.6% over the past month.

A solid business, screening 194% undervalued on our models.

What matters now

  • The price is below even our cautious bear case (€7.71). The market is more pessimistic than our downside scenario.
  • Solid quality (54/100) at a price below fair value, the discount is the argument here, not the business quality.
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Price vs Fair Value (5 years)

€4.88 €2.52 Fair Value €10.28 May 2019 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 17, 2026.

How to read this chart

60‑month range €2.52 – €4.88 · fair‑value band €7.71 – €12.84 · the €3.50 price screens below the €10.28 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 17, 2026.

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Analysis

Bernard Loiseau S.A (ALDBL) currently trades at €3.50, while our model-based Fair Value estimate is €10.28, implying the stock looks roughly 193.7% undervalued today. The Quality Score stands at 54/100 (solid quality), in the Consumer Cyclical 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.

Over the trailing twelve months, Bernard Loiseau S.A generated revenue of €8.1M at a net margin of 23.5%. Revenue declined 11.3% year over year. It earns a return on equity of 51.1%. Net debt stands at €5.2M. Fundamentals as of Jul 17, 2026

Our scenario range runs from €7.71 (bear case) to €12.84 (bull case); at €3.50, the current price sits below 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 15% below its 52-week high and 18% above its 52-week low, currently above its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -47% fair-value upside, at 194%, ALDBL 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.

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
Residual Income €5.91 €8.74 €71.95 76
Growth-Adj P/E €12.19 €17.41 €22.64 68
P/E Multiple €17.29 €23.06 €28.82 63
All 8 models by family
Earnings-Based
Graham-Dodd €7.13 €9.96 €11.63 54
Multiples
P/E Multiple €17.29 €23.06 €28.82 63
P/S Multiple €4.02 €5.36 €6.70 58
P/B Multiple €7.71 €10.28 €12.84 55
EV/EBITDA €4.77 €7.32 €9.87 54
Asset-Based
NCAV (Graham) €1.28 €1.72 €2.57 50
Economic Profit
Residual Income €5.91 €8.74 €71.95 76
Growth Earnings
Growth-Adj P/E €12.19 €17.41 €22.64 68

Widest divergence: Growth Earnings (€17.41) versus Asset-Based (€1.72). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) €8.1M
Revenue growth (YoY) -11.3%
Net margin 23.5%
Return on equity 51.1%
Free cash flow −€285K FY2020
P/E ratio 3.5
More key figures
Operating margin 9.0%
EPS (TTM) €1.03
EPS growth (YoY) -32.5%
Net debt €5.2M FY2024

Figures from reported company fundamentals · as of Jul 17, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 54/100

Of which business quality 51 · Market factors (momentum, volatility) 46

Profitability 75
Margins and returns on capital today
Quality Growth 53
Are margins and returns improving?
Cashflow 32
Earnings quality: real cash, not paper profit
Fin. Strength 23
Balance sheet, leverage, solvency risk
Investment 54
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 45
Price trend over the last 3–12 months (market factor)
52W Momentum 42
Distance to the 52-week high (market factor)
Net Issuance 82
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

Bernard Loiseau S.A. operates a chain of hotels, restaurants, and spas in France. It operates its hotels, restaurants, and spas under the Le Relais Bernard Loiseau, La Tour d'Auxois, Loiseau des Vignes, Loiseau des Ducs*, Loiseau du Temps, Loiseau de Lorraine, and Loiseau de France names. The company was incorporated in 1960 and is based in Saulieu, France.

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

Revenue & earnings trend

FY2020 – FY2024 · reported fiscal years

Bernard Loiseau S.A reported revenue of €8.1M in FY2024 versus €6.2M in FY2020, a compound +7.0%/yr. Reported net income was €1.9M in FY2024.

Growth Quality 16/100
Revenue growth is weak, negative or inconsistent.
Latest Revenue (FY 2024)
€8.1M
Latest YoY
−8.2%
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.
+8.8%
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.
−5.9%
Avg. growth/yr (24Y) 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.
−8.5%
Revenue +7.0%/yr
FY20 €6.2M
FY21 €6.3M
FY22 €8.1M
FY23 €8.8M
FY24 €8.1M
Net income
FY20 −€580K
FY21 €326K
FY22 −€823K
FY23 €134K
FY24 €1.9M

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

Peer Group

Restaurants · 227 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 54 · Above median
Fair Value upside +194% · Top 25%
Return on equity (TTM) 51% · Top 25%
Return on assets 0% · Below median
Net margin (TTM) 23% · Top 25%
Operating margin (TTM) 9% · Above median
Revenue growth -11% · Bottom 25%
Debt / equity 1.45× · Higher than 75% of peers

Valuation Multiples vs Restaurants median · lower = cheaper

P/E (TTM) 3.5× · Cheaper than 75% of peers
P/B 1.64× · Pricier than median
P/S (TTM) 0.94× · Pricier than median
EV/EBITDA 22.1× · 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 100 · sector 28
FUTURE 0 · sector 20
PAST 100 · sector 16
HEALTH 28 · sector 97
DIVIDEND 0 · sector 58

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 Restaurants stocks, each showing price versus our Fair Value estimate (as of Jul 17, 2026).

Stock Price Fair Value vs Fair Value
McDonald's Corporation MCDS C$24.01 C$10.84 -55%
Starbucks Corporation SBUX $105.49 $35.83 -66%
Chipotle Mexican Grill, Inc CMG $34.63 $18.43 -47%
Yum! Brands, Inc YUM $163.54 $59.66 -64%
Restaurant Brands International Inc QSR C$104.19 C$36.37 -65%
Darden Restaurants, Inc DRI $195.74 $173.68 -11%
Yum China Holdings YUMC $43.90 $55.10 +26%
Texas Roadhouse, Inc TXRH $197.03 $104.89 -47%
Dutch Bros Inc BROS $68.36 $12.80 -81%
Domino's Pizza, Inc DPZ $322.18 $231.96 -28%

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Frequently asked questions

Is Bernard Loiseau S.A (ALDBL) overvalued or undervalued?
As of Jul 17, 2026, our model estimates a fair value of €10.28 versus a price of €3.50, about +194% (undervalued).
What is the fair value of ALDBL?
Our model-based fair value for Bernard Loiseau S.A is €10.28 (as of Jul 17, 2026), built from audited fundamentals. The current price is €3.50.
What is the quality score of ALDBL?
Bernard Loiseau S.A has a Quality Score of 54/100. 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 Bernard Loiseau S.A (ALDBL)?
Bernard Loiseau S.A reported trailing-twelve-month revenue of about €8.1M (latest available figure, as of Jul 17, 2026).
What is the net profit margin of ALDBL?
The net profit margin of Bernard Loiseau S.A is about 23.5%, meaning it keeps roughly 23.5% of revenue as net income. 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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