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Alisa Pankki Oyj (ALISA) fair value: what the stock is really worth

As of Sep 23, 2026: fair value of Alisa Pankki Oyj €0.13, price €0.13, upside +1.8%, quality 32 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? No
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Financial Services · FI · ISIN FI4000348974

AP Thin data Sep 23, 2026

Alisa Pankki Oyj

ALISA · HE

Low PriorityFair Value upside is limited and quality is weak.

·Fair value €0.1308 · Fairly valued (+2%)
!Quality 32/100
!Weak Growth (revenue 5y −22.9 %/yr)
!Loss-making · -10.0% net margin (TTM)
!Low debt · negative free cash flow
!Mixed vs. peers (5/11)
!Narrow moat 30/100
!Insider activity 35/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

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Price vs Fair Value

€0.4090 €0.1235 Fair Value €0.1308 Nov 2022 Sep 2026

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

46‑month range €0.1235 – €0.4090 · fair‑value band €0.1308 – €0.1318 · the €0.1285 price screens below the €0.1308 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

Alisa Pankki Oyj provides various banking and financial services to personal and business customers in Finland, Denmark, Sweden, and Germany. The company offers saving accounts, fixed-term deposits, personal and corporate loans, credit cards, invoice financing, corporate financing, and payment services, as well as mobile and online banking.

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Alisa Pankki Oyj provides various banking and financial services to personal and business customers in Finland, Denmark, Sweden, and Germany. The company offers saving accounts, fixed-term deposits, personal and corporate loans, credit cards, invoice financing, corporate financing, and payment services, as well as mobile and online banking. The company was formerly known as Fellow Pankki Oyj and changed its name to Alisa Pankki Oyj in April 2023. Alisa Pankki Oyj was incorporated in 1983 and is headquartered in Helsinki, Finland.

Stock analysis

Alisa Pankki Oyj (ALISA) currently trades at €0.1285, while our model-based Fair Value estimate is €0.1308, implying the stock looks roughly 1.8% fairly valued today.

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Valuation

How firm this estimate is: it rests on 2 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: €0.1308 (bear) to €0.1318 (bull), the price of €0.1285 sits below 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 32/100 (below-average quality), in the Financial Services sector.

Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.

Alisa Pankki Oyj reported revenue of €22.4M in FY2025 versus €7.9M in FY2021, a compound +29.7%/yr. Reported net income was −€2.1M in FY2025.

Key figures

Market cap €27.0M · P/S ratio 0.90 · EPS (TTM) €−0.0100 · Net margin −9.4% · Return on equity −5.9% · Return on assets (EBIT) −2.2% · Operating margin 21.1% · Revenue (TTM) €21.1M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (low confidence).

What moves the price

The share trades about 46% below its 52-week high and 4% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at 2%, ALISA screens cheaper than that median.

Fair Value models

Bear €0.1308 Fair Value €0.1308 Bull €0.1318
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above is their evidence-weighted blend, not the output of a single 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 ⓘEvidence = how well-backed THIS model's estimate is for this stock (0–100): how complete and reliable its input data are, and how well the model fits the company. The final Fair Value is an evidence-weighted blend, so better-evidenced models count more. Green ≥70, amber 50–69, grey below 50.
Highest evidence
EV/EBITDA €1.42 €1.42 €1.43 67
NCAV (Graham) €0.1200 €0.1500 €0.2300 54
All 2 models by family
Multiples
EV/EBITDA €1.42 €1.42 €1.43 67
Asset-Based
NCAV (Graham) €0.1200 €0.1500 €0.2300 54

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Quality Score breakdown

Overall quality 32/100

Of which business quality 43 · Market factors (momentum, volatility) 31

Profitability 5
Margins and returns on capital today
Quality Growth 46
Are margins and returns improving?
Cashflow 33
Earnings quality: real cash, not paper profit
Fin. Strength 100
Balance sheet, leverage, solvency risk
Investment 80
Disciplined investing over empire-building
Low Volatility 60
Calm price path (market factor)
Momentum 27
Price trend over the last 3–12 months (market factor)
52W Momentum 7
Distance to the 52-week high (market factor)
Net Issuance 0
Share count: buybacks or dilution?

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Revenue & earnings trend

Growth Quality ⓘGrowth is valuable only when reinvestment earns attractive returns (Aswath Damodaran): sustainable growth depends on return on capital, reinvestment and efficiency. Basis: total company revenue over the periods shown on the cards (3Y/5Y/all years), not per share, so a merger can show up as a growth jump; per-share earnings growth is in the value-creation card. 0/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−28.9%
Revenue growth 3 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
+22.1%
Revenue growth 5 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
−22.9%
Start year 2020 (pandemic). Over 10 years: −10.2% a year
Revenue growth 16 years ⓘ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. Per-share growth (which does include buybacks) is in the value-creation card.
−6.4%
Profit margin (trend) ⓘOperating margin then vs now, from reported annual statements. A falling margin after a boom year is the classic peak-earnings signal: the growth rate then leans on an inflated base.
35.9% (2020) → −9.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

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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.Banks - Regional · 1074 stocks

Beats the industry median on 4/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 43 · Bottom 25%
Fair Value upside +2% · Above median
Profitability
Return on assets 1% · Below median
Net margin (TTM) −10% · Bottom 25%
Operating margin (TTM) 21% · Bottom 25%
Growth and dividend
Revenue growth −46% · Bottom 25%

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/B 0.89× · Cheaper than median
P/S (TTM) 1.46× · Cheapest 25%
PEG 0.08× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)36 · sector 11
FUTURE (revenue growth)0 · sector 45
PAST (return on equity)0 · sector 41
HEALTH (low debt)100 · sector 85
DIVIDEND (yield)0 · sector 53

Context: sector, industry, market

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

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
DBS Group D05 77.69 SGD 40.48 SGD −48%
China Merchants Bank Co 3968 HK$51.25 HK$62.30 +22%
Intesa Sanpaolo S.p.A ISP €6.73 €4.04 −40%
HDFC Bank Limited HDFCBANK ₹737.25 ₹406.85 −45%
BNP Paribas SA BNP €101.30 €105.99 +5%
UniCredit S.p.A UCG €83.28 €77.62 −7%
Mizuho Financial Group MFG $10.87 $6.75 −38%
ICICI Bank Limited ICICIBANK ₹1,340 ₹616.16 −54%
The PNC Financial Services Group PNC $227.96 $159.52 −30%
Oversea-Chinese Banking Corporation O39 32.14 SGD 19.80 SGD −38%

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Cite: Fair Value Calculator (2026). "Alisa Pankki Oyj Fair Value". https://www.fairvalue-calculator.com/stock/ALISA

Frequently asked questions

Is Alisa Pankki Oyj (ALISA) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of €0.1308 versus a price of €0.1285, about +2% upside (fairly valued).
What is the fair value of ALISA?
Our model-based fair value for Alisa Pankki Oyj is €0.1308 (as of Sep 23, 2026), built from audited fundamentals. The current price: €0.1285.
What is the quality score of ALISA?
Alisa Pankki Oyj has a Quality Score of 32/100. 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 price target for Alisa Pankki Oyj (ALISA)?
Our model-based price target is the fair value of €0.1308 (as of Sep 23, 2026) from 2 valuation models. Cautious scenario €0.1308, optimistic scenario €0.1318. It is a calculation from audited fundamentals, not an analyst target.
What is the Alisa Pankki Oyj stock forecast for 2026?
Our models put fair value at €0.1308, about +2% upside versus a price of €0.1285 (fairly valued). Cautious scenario €0.1308, optimistic scenario €0.1318. The calculation is refreshed regularly with new filings.
What is the revenue of Alisa Pankki Oyj (ALISA)?
Alisa Pankki Oyj reported trailing-twelve-month revenue of about €21.1M (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Alisa Pankki Oyj (ALISA)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Alisa Pankki Oyj it is €0.1308 per share (as of Sep 23, 2026), against a price of €0.1285. It is the blended result of 2 valuation models (cash flow, earnings, asset, dividend).
Is Alisa Pankki Oyj stock overvalued or undervalued in 2026?
As of Sep 23, 2026, ALISA trades below its calculated fair value: price €0.1285, fair value €0.1308, a gap of about +2% (fairly valued). The calculation is refreshed with each new quarterly report, so the verdict can change during the year.
Is fair value the same as the market price of ALISA?
No. The price is what the market pays today (€0.1285); the fair value is what the company's own numbers justify (€0.1308). For Alisa Pankki Oyj the two are €0.0023 per share apart. That gap is exactly why we show both numbers side by side.
How much is Alisa Pankki Oyj worth?
The market values Alisa Pankki Oyj at about €27.0M (market capitalisation, as of Sep 23, 2026). Per share that is €0.1285; our models calculate a fair value of €0.1308 per share.
What do the bullish and bearish scenarios say about ALISA?
Our models span a range for Alisa Pankki Oyj: cautious scenario €0.1308, base €0.1308, optimistic €0.1318 per share (as of Sep 23, 2026, price €0.1285). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of ALISA?
The PEG ratio of Alisa Pankki Oyj is 0.08 (P/E divided by earnings growth, as of Sep 23, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Alisa Pankki Oyj (ALISA)?
Balance-sheet figures for Alisa Pankki Oyj (as of Sep 23, 2026): return on equity −5.9%. They feed the Quality Score of 32/100, which measures business quality independently of the share price.
How far is ALISA from its 52-week high?
Alisa Pankki Oyj trades at €0.1285, about 46% below its 52-week high of €0.2380 and 4% above the low of €0.1235 (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of €0.1308 is for.
Which stocks are comparable to Alisa Pankki Oyj?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, among others. Each of them has its own fair-value calculation on this site using the same models, so the comparison is like for like.
Is Alisa Pankki Oyj stock attractive at the current price?
The data as of Sep 23, 2026: price €0.1285, calculated fair value €0.1308 (+2%), Quality Score 32/100, from 2 models. Whether that fits your horizon and risk tolerance is your call. We provide the calculation, not investment advice.
How is the fair value of ALISA calculated?
We run Alisa Pankki Oyj through 2 models from four families: discounted cash flow, earnings models, asset and balance-sheet models, and dividend models. Every model gets the same audited fundamentals; the result is the weighted average of €0.1308, with the spread shown as a cautious and an optimistic scenario.
Is it still worth investing in stocks now?
The global stock market currently sits 14.1 % above its aggregate fair value. Alisa Pankki Oyj currently trades 2 % below its own fair value, and the market average says nothing about that. An expensive market is no reason to stay out and no reason to buy everything at once: keep a broad savings plan running, buy single stocks only with money you can do without, and hold part of your money liquid while the market is high. The full picture including sectors is on is it worth investing now.
What is the share price of Alisa Pankki Oyj (ALISA)?
The closing price on Sep 23, 2026 was €0.1285. Our model-based fair value is €0.1308, about +2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Alisa Pankki Oyj right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. The models converge in a tight band (€0.1308 to €0.1318), unusually little disagreement for a valuation. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.

Key figures of Alisa Pankki Oyj

How large is the market capitalisation of Alisa Pankki Oyj (ALISA)?
The market capitalisation of Alisa Pankki Oyj is €27.0M. The stock-market value of the whole company: share price times number of shares. It is what the market asks for the entire business today.
What is the P/S ratio of Alisa Pankki Oyj (ALISA)?
The price-to-sales ratio of Alisa Pankki Oyj is 0.90 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Alisa Pankki Oyj (ALISA)?
Earnings per share at Alisa Pankki Oyj are €−0.0100. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Alisa Pankki Oyj (ALISA)?
The net margin of Alisa Pankki Oyj is −9.4% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
What is the return on equity of Alisa Pankki Oyj (ALISA)?
The return on equity (ROE) of Alisa Pankki Oyj is −5.9% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the EBIT return on assets of Alisa Pankki Oyj (ALISA)?
On an EBIT basis the return on assets of Alisa Pankki Oyj is −2.2% (avg 5y). Operating profit (EBIT) relative to everything the company owns, as a multi-year average. It describes the business model rather than one good or bad year.
What is the operating margin of Alisa Pankki Oyj (ALISA)?
The operating margin of Alisa Pankki Oyj is 21.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Alisa Pankki Oyj (ALISA)?
Revenue at Alisa Pankki Oyj is growing −45.5% versus a year earlier (3y avg +22.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does Alisa Pankki Oyj (ALISA) generate?
The free cash flow of Alisa Pankki Oyj is −€69.2M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Alisa Pankki Oyj (ALISA) hold?
Alisa Pankki Oyj holds more cash than debt, €205M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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