Answear.com S.A. (ANR) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Answear.com S.A. PLN 31.44, price PLN 21.95, upside +43.2%, quality 63 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 16.00 PLN – 38.10 PLN · fair‑value band 22.84 PLN – 36.60 PLN · the 21.95 PLN price screens below the 31.44 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Answear.com S.A. operates online fashion stores in Poland and internationally.
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Answear.com S.A. operates online fashion stores in Poland and internationally. It offers blouses and shirts, underwear, sweatshirts, jeans, overalls, jackets, sets and tracksuits, vests, coats, dresses, socks, swimsuits, shorts, pants and leggings, skirts, sweaters, tops and t-shirts, suits, polo shirts, dungarees, rompers, and body and clothing care products; and footwear. The company also provides swimming accessories, jewelry, bottles and thermoses, caps and hats, cases and covers, beauticians, masks, glasses, outdoor and tourism accessories, umbrellas, stripes, backpacks, wallets, gloves, sports equipment, scarves and shawls, bags and suitcases, and watches; handbags; sport products; and other home and lifestyle products. In addition, it sells its products for women's, men's, and children's. Answear.com S.A. was founded in 2011 and is based in Kraków, Poland.
Stock analysis
Answear.com S.A. (ANR) currently trades at 21.95 PLN, while our model-based Fair Value estimate is 31.44 PLN, implying the stock looks roughly 30.2% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 111.14 PLN per share, and 15 of the 24 models we run sit above the 21.95 PLN price.
Bear case: the Economic Profit group reads lowest at 7.80 PLN, and 9 of the 24 models stay below the price. Evidence for this calculation is medium.
Scenario range: 22.84 PLN (bear) to 36.60 PLN (bull), the price of 21.95 PLN 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 63/100 (solid quality), in the Consumer Cyclical sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Answear.com S.A. reported revenue of 1.7B PLN in FY2025 versus 684M PLN in FY2021, a compound +25.6%/yr. Reported net income was 9.3M PLN in FY2025, compounding −20.1%/yr from FY2021.
Key figures
Market cap 416M PLN (≈ $108M) · P/S ratio 0.20 · EPS (TTM) −0.0600 PLN · Net margin 0.5% · Return on equity −0.5% · Return on assets (EBIT) 5.9% · Operating margin 0.1% · Revenue (TTM) 1.7B PLN.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 42 out of 100 (low confidence).
What moves the price
The share trades about 30% below its 52-week high and 29% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 8% fair-value upside, at 43%, ANR screens cheaper than that median.
Fair Value models
Bear 22.84 PLNFair Value 31.44 PLNBull 36.60 PLN
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.
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.90/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+12.8%
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.
+20.5%
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.
+33.0%
Start year 2020 (pandemic)
Revenue growth 8 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.
+36.0%
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What shareholders gained per year (last 5 years) ⓘWhat the business itself delivers per year: earnings growth per share plus the dividend yield. This is what you get IF the market keeps valuing the stock the same way: it contains no assumption about the market changing its mind. Computed per share, so buybacks count and a merger does not pass as growth. For a company that pays no dividend it is pure earnings growth per share. Period: earnings growth per share as CAGR over the last 5 reported fiscal years (annual statements), plus the current dividend yield. The start value is the median of the three years around the start, so a single crisis year (a pandemic or a write-down) does not distort the rate. Basis: EBIT basis.
+10.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year+10.3%
Dividend (yield on the price)0.0%
Profit margin 2020 to 2025 ⓘ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.5% → 3%
Price, fair value, quality and upside side by side.
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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.Internet Retail · 108 stocks
Beats the industry median on 7/10 measures
Overall it ranks above its industry peers.
Valuation
Quality Score63 · Above median
Fair Value upside+41% · Above median
Profitability
Return on assets2% · Above median
Net margin (TTM)0% · Below median
Operating margin (TTM)0% · Below median
Growth and dividend
Revenue growth7% · Below median
Valuation Multiplesvs Internet Retail median · lower = cheaper
For bloggers, editors and developers: paste this into your site or blog (a “Custom HTML” block in WordPress), it shows the current fair value and links back here. Free, plain HTML, and welcome. Full data streams (CSV/JSON) at /developers.
Cite: Fair Value Calculator (2026). "Answear.com S.A. Fair Value". https://www.fairvalue-calculator.com/stock/ANR
Frequently asked questions
Is Answear.com S.A. (ANR) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 31.44 PLN versus a price of 21.95 PLN, about +43% upside (undervalued).
What is the fair value of ANR?
Our model-based fair value for Answear.com S.A. is 31.44 PLN (as of Sep 24, 2026), built from audited fundamentals. The current price: 21.95 PLN.
What is the quality score of ANR?
Answear.com S.A. has a Quality Score of 63/100. 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 Answear.com S.A. (ANR)?
Our model-based price target is the fair value of 31.44 PLN (as of Sep 24, 2026) from 24 valuation models. Cautious scenario 22.84 PLN, optimistic scenario 36.60 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Answear.com S.A. stock forecast for 2026?
Our models put fair value at 31.44 PLN, about +43% upside versus a price of 21.95 PLN (undervalued). Cautious scenario 22.84 PLN, optimistic scenario 36.60 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Answear.com S.A. (ANR)?
Answear.com S.A. reported trailing-twelve-month revenue of about 1.7B PLN (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Answear.com S.A. (ANR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Answear.com S.A. it is 31.44 PLN per share (as of Sep 24, 2026), against a price of 21.95 PLN. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Answear.com S.A. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, ANR trades below its calculated fair value: price 21.95 PLN, fair value 31.44 PLN, a gap of about +43% (undervalued). 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 ANR?
No. The price is what the market pays today (21.95 PLN); the fair value is what the company's own numbers justify (31.44 PLN). For Answear.com S.A. the two are 9.49 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Answear.com S.A. worth?
The market values Answear.com S.A. at about 416M PLN (market capitalisation, as of Sep 24, 2026). Per share that is 21.95 PLN; our models calculate a fair value of 31.44 PLN per share.
What do the bullish and bearish scenarios say about ANR?
Our models span a range for Answear.com S.A.: cautious scenario 22.84 PLN, base 31.44 PLN, optimistic 36.60 PLN per share (as of Sep 24, 2026, price 21.95 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Answear.com S.A. (ANR)?
Balance-sheet figures for Answear.com S.A. (as of Sep 24, 2026): return on equity −0.5%. They feed the Quality Score of 63/100, which measures business quality independently of the share price.
How far is ANR from its 52-week high?
Answear.com S.A. trades at 21.95 PLN, about 30% below its 52-week high of 31.30 PLN and 29% above the low of 17.00 PLN (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 31.44 PLN is for.
Which stocks are comparable to Answear.com S.A.?
From the same area (Consumer Cyclical) we also value Amazon.com, Inc, Alibaba Group, MercadoLibre, Inc, DoorDash, Inc, 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 Answear.com S.A. stock attractive at the current price?
The data as of Sep 24, 2026: price 21.95 PLN, calculated fair value 31.44 PLN (+43%), Quality Score 63/100, from 24 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 ANR calculated?
We run Answear.com S.A. through 24 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 31.44 PLN, 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 13.2 % above its aggregate fair value. Answear.com S.A. currently trades 43 % 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 Answear.com S.A. (ANR)?
The closing price on Sep 24, 2026 was 21.95 PLN. Our model-based fair value is 31.44 PLN, about +43% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Answear.com S.A. right now?
The price is below even our cautious bear case (22.84 PLN). The market is more pessimistic than our downside scenario. Solid quality (63/100) at a price below fair value, the discount is the argument here, not the business quality.
Key figures of Answear.com S.A.
How large is the market capitalisation of Answear.com S.A. (ANR)?
The market capitalisation of Answear.com S.A. is 416M PLN (≈ $108M). 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 Answear.com S.A. (ANR)?
The price-to-sales ratio of Answear.com S.A. is 0.20 (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 Answear.com S.A. (ANR)?
Earnings per share at Answear.com S.A. are −0.0600 PLN. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Answear.com S.A. (ANR)?
The net margin of Answear.com S.A. is 0.5% (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 Answear.com S.A. (ANR)?
The return on equity (ROE) of Answear.com S.A. is −0.5% (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 Answear.com S.A. (ANR)?
On an EBIT basis the return on assets of Answear.com S.A. is 5.9% (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 Answear.com S.A. (ANR)?
The operating margin of Answear.com S.A. is 0.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Answear.com S.A. (ANR)?
Revenue at Answear.com S.A. is growing +7.4% versus a year earlier (3y avg +20.5%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How fast are earnings growing at Answear.com S.A. (ANR)?
Earnings per share at Answear.com S.A. are growing −92.8% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Answear.com S.A. (ANR) generate?
The free cash flow of Answear.com S.A. is 231M PLN (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Answear.com S.A. (ANR) carry?
The net debt of Answear.com S.A. is 93.7M PLN (fiscal year 2025, ≈ 0.4 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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