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MUNIC S.A (ALMUN) Fair Value & Analysis

Technology · FR · Market cap €4.3M

MS MUNIC S.A ALMUN · PA
Price€0.4300
Fair Value€0.3909
Upside-9.1%
Quality50/100
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Expensive Growth
Loss-making · -1.6% net margin
Low debt · generates free cash flow
Trails peers (4/12)
Narrow moat 23/100
Evidence: Medium Range €0.2886 – €0.4932 Share as image

Fair value as of: Jul 15, 2026

From 10 valuation models · updated 26 days ago

Fair value updated Jul 15, 2026, revised from €0.3931 to €0.3909 (−0.6%) since Jun 25, 2026. Share price −9.3% over the past month.

A solid business, currently priced close to our fair value.

What matters now

  • The price sits close to our fair value, market and models broadly agree here, little valuation tension.
  • Our model range runs from €0.2886 (bear) to €0.4932 (bull), base €0.3909. The closer the price sits to the lower half, the larger the margin of safety.
  • Quality 50/100 (solid quality) with medium evidence: read the verdict with care.
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Price vs Fair Value (5 years)

€4.49 €0.4040 Fair Value €0.3909 Jun 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.

How to read this chart

60‑month range €0.4040 – €4.49 · fair‑value band €0.2886 – €0.4932 · the €0.4300 price screens above the €0.3909 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 15, 2026.

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Analysis

MUNIC S.A (ALMUN) currently trades at €0.4300, while our model-based Fair Value estimate is €0.3909, implying the stock looks roughly 9.1% fairly valued today. The Quality Score stands at 50/100 (solid quality), in the Technology 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, MUNIC S.A generated revenue of €14.0M at a net margin of 1.7%. Revenue grew 42.1% year over year. It earns a return on equity of 2.1%. Net debt stands at €1.3M. Fundamentals as of Jul 15, 2026

Our scenario range runs from €0.2886 (bear case) to €0.4932 (bull case); at €0.4300, the current price sits within 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 62% below its 52-week high and 9% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -50% fair-value upside, at -9%, ALMUN 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
Growth DCF €0.3300 €0.4700 €0.6300 80
Rev-Margin DCF €0.3400 €0.6000 €0.8800 74
EV/EBITDA €2.21 €3.00 €3.79 54
All 10 models by family
DCF Models
FCF DCF €0.3200 €0.4800 €0.6700 38
5Y Revenue Exit €0.3400 €0.5900 €0.9100 39
5Y EBITDA Exit €1.20 €2.13 €3.20 41
10Y Revenue Exit €0.3200 €0.5200 €0.7700 36
10Y EBITDA Exit €0.7900 €1.41 €2.21 37
Multiples
EV/EBITDA €2.21 €3.00 €3.79 54
EV/Revenue €0.3900 €0.6300 €0.8700 43
Asset-Based
NCAV (Graham) €0.6100 €0.8200 €1.22 50
Growth DCF
Growth DCF €0.3300 €0.4700 €0.6300 80
Rev-Margin DCF €0.3400 €0.6000 €0.8800 74

Widest divergence: Asset-Based (€0.8200) versus Growth DCF (€0.4700). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) €14.0M
Revenue growth (YoY) -0.1%
Net margin -1.6%
Return on equity -2.0%
Free cash flow €566K FY2025
Operating margin 2.3%
More key figures
EPS (TTM) €-0.0300
EPS growth (YoY) -80.6%
Net debt €1.3M FY2025

Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 50/100

Of which business quality 50 · Market factors (momentum, volatility) 21

Profitability 26
Margins and returns on capital today
Quality Growth 73
Are margins and returns improving?
Cashflow 40
Earnings quality: real cash, not paper profit
Fin. Strength 47
Balance sheet, leverage, solvency risk
Investment 67
Disciplined investing over empire-building
Low Volatility 50
Calm price path (market factor)
Momentum 13
Price trend over the last 3–12 months (market factor)
52W Momentum 2
Distance to the 52-week high (market factor)
Net Issuance 68
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

MUNIC S.A. operates as a vehicle data collection, processing, and monetization company in Europe and North America. Its product portfolio includes Munic Max, a hardwired telematics device; Munic V6, 2G, 3G and 4G, and catM OBD dongles; C4 Dongle V8, V8+, and DoIP; C4Max and C4Flex V8; C4RMax and C4RFlex V8; UDK4IoT; Munic V6+ and V7+, an 4G cat 4 and WiFi …

Full company description

MUNIC S.A. operates as a vehicle data collection, processing, and monetization company in Europe and North America. Its product portfolio includes Munic Max, a hardwired telematics device; Munic V6, 2G, 3G and 4G, and catM OBD dongles; C4 Dongle V8, V8+, and DoIP; C4Max and C4Flex V8; C4RMax and C4RFlex V8; UDK4IoT; Munic V6+ and V7+, an 4G cat 4 and WiFi hotspot OBD dongles. The company also operates Munic.io, a car data, edge computing, and application platform, which includes processing and telematics application development and aggregation platform; and offers catalogue of application and technical module for various verticals of connected vehicles. In addition, it provides car dealership, insurance, fleet, affinity marketing, remote diagnostic, leasing, OEM, vehicle inspection, and driver service solutions. The company was founded in 2002 and is headquartered in Villejuif, France.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

MUNIC S.A reported revenue of €11.2M in FY2025 versus €19.3M in FY2021, a compound −12.7%/yr. Reported net income was −€229K in FY2025.

Growth Quality 56/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Latest Revenue (FY 2025)
€11.2M
Latest YoY
+17.5%
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.
−19.7%
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.
+8.2%
Avg. growth/yr (8Y) 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.
−2.4%
Revenue −12.7%/yr
FY21 €19.3M
FY22 €21.6M
FY23 €14.8M
FY24 €9.5M
FY25 €11.2M
Net income
FY21 −€229K
FY22 €14.7K
FY23 −€1.8M
FY24 −€1.1M
FY25 −€229K

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

Peer Group

Software - Infrastructure · 371 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 50 · Below median
Fair Value upside −9% · Above median
Return on assets -1% · Below median
Net margin (TTM) -2% · Below median
Operating margin (TTM) 2% · Below median
Revenue growth -0% · Below median
Debt / equity 0.20× · Higher than median

Valuation Multiples vs Software - Infrastructure median · lower = cheaper

P/B 0.45× · Cheaper than 75% of peers
P/S (TTM) 0.36× · Cheaper than 75% of peers
P/FCF 8.8× · Pricier than median
EV/EBITDA 3.3× · Cheaper 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 21 · sector 0
FUTURE 0 · sector 46
PAST 0 · sector 14
HEALTH 90 · sector 98
DIVIDEND 0 · sector 28

Insider activity: 45/100

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 Software - Infrastructure stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).

Stock Price Fair Value vs Fair Value
Microsoft Corporation MSFT $384.00 $274.17 -29%
Oracle Corporation ORAC C$9.08 C$2.94 -68%
Fortinet, Inc FTNT $160.78 $44.96 -72%
Synopsys, Inc 1SNPS €354.50 €93.61 -74%
Block, Inc XYZ A$114.53 A$70.69 -38%
CoreWeave, Inc CRWV $79.94 $44.89 -44%
Range Intelligent Computing Technology Group 300442 ¥71.60 ¥34.00 -53%
Oracle Financial Services Software Limited OFSS ₹11,651 ₹5,821 -50%
360 Security Technology Inc 601360 ¥9.64 ¥5.05 -48%
One97 Communications Limited PAYTM ₹1,342 ₹181.50 -86%

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Frequently asked questions

Is MUNIC S.A (ALMUN) overvalued or undervalued?
As of Jul 15, 2026, our model estimates a fair value of €0.3909 versus a price of €0.4300, about −9% (fairly valued).
What is the fair value of ALMUN?
Our model-based fair value for MUNIC S.A is €0.3909 (as of Jul 15, 2026), built from audited fundamentals. The current price is €0.4300.
What is the quality score of ALMUN?
MUNIC S.A has a Quality Score of 50/100. 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 MUNIC S.A (ALMUN)?
MUNIC S.A reported trailing-twelve-month revenue of about €14.0M (latest available figure, as of Jul 15, 2026).
What is the net profit margin of ALMUN?
The net profit margin of MUNIC S.A is about 1.7%, meaning it keeps roughly 1.7% 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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