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Aramis Group (ARAMI) Fair Value & Analysis

Consumer Cyclical · FR · Market cap €297M

AG Aramis Group ARAMI · PA
Price€4.25
Fair Value€5.02
Upside+18.1%
Quality62/100
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Healthy Growth
Thin margins · 0.6% net margin
Low debt · generates free cash flow
Trails peers (5/13)
Narrow moat 29/100
Evidence: High Range €3.42 – €6.61 Share as image

Fair value as of: Jul 16, 2026

From 26 valuation models · updated 25 days ago

Share price +29.6% over the past month.

A solid business, screening 18% undervalued on our models.

What matters now

  • A fairly wide model range (€3.42 to €6.61) leaves room in how you read the outcome.
  • Our model range runs from €3.42 (bear) to €6.61 (bull), base €5.02. The closer the price sits to the lower half, the larger the margin of safety.
  • Quality 62/100 (solid quality) with high evidence: the data supports the verdict.
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Price vs Fair Value (5 years)

€22.70 €2.65 Fair Value €5.02 Jun 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range €2.65 – €22.70 · fair‑value band €3.42 – €6.61 · the €4.25 price screens below the €5.02 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

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Analysis

Aramis Group (ARAMI) currently trades at €4.25, while our model-based Fair Value estimate is €5.02, implying the stock looks roughly 18.1% undervalued today. The Quality Score stands at 62/100 (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: high), always confirm before acting.

Over the trailing twelve months, Aramis Group generated revenue of €2.3B at a net margin of 0.6%. Revenue declined 6.5% year over year. It earns a return on equity of 6.8%. Net debt stands at €112M. Fundamentals as of Jul 16, 2026

Our scenario range runs from €3.42 (bear case) to €6.61 (bull case); at €4.25, 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 46% below its 52-week high and 53% above its 52-week low, currently below its 200-day average. For context, the median of 10 Consumer Cyclical peers we cover trades at -14% fair-value upside, at 18%, ARAMI 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 €8.85 €14.92 €23.11 80
Residual Income €1.95 €2.05 €2.23 76
Rev-Margin DCF €5.82 €9.12 €13.79 74
All 26 models by family
DCF Models
FCF DCF €9.19 €14.28 €25.76 38
Owner Earnings €5.71 €9.96 €16.91 31
5Y Revenue Exit €5.82 €9.14 €13.64 39
5Y EBITDA Exit €7.63 €13.22 €20.56 41
5Y P/E Exit €6.14 €9.87 €14.28 38
10Y Revenue Exit €6.94 €10.50 €15.70 36
10Y EBITDA Exit €8.10 €13.20 €21.47 37
10Y P/E Exit €7.22 €10.98 €16.56 35
Earnings-Based
Graham-Dodd €1.65 €10.19 €14.22 54
Lynch FV €2.92 €4.18 €5.43 50
PEG = 1.0 €2.92 €4.18 €5.43 46
EPV €2.84 €3.11 €3.33 59
Dividend Discount
Gordon GGM €0.0400 €0.0700 €0.0900 70
DDM Multi-Stage €0.0400 €0.0700 €0.0800 61
Multiples
P/E Multiple €4.02 €5.35 €6.69 63
P/S Multiple €3.10 €4.14 €5.17 58
P/B Multiple €3.10 €4.14 €5.17 55
EV/EBIT €5.35 €6.94 €8.54 53
EV/EBITDA €7.14 €9.34 €11.54 54
EV/Revenue €3.78 €5.17 €6.55 43
Asset-Based
NCAV (Graham) €1.26 €1.69 €2.52 50
Growth DCF
Growth DCF €8.85 €14.92 €23.11 80
Rev-Margin DCF €5.82 €9.12 €13.79 74
Economic Profit
Residual Income €1.95 €2.05 €2.23 76
ROIC Compounder €2.99 €3.67 €4.38 72
Growth Earnings
Growth-Adj P/E €4.30 €6.14 €7.98 68

Widest divergence: DCF Models (€10.50) versus Dividend Discount (€0.0700). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) €2.3B
Revenue growth (YoY) -6.5%
Net margin 0.6%
Return on equity 6.8%
Free cash flow €67.5M FY2025
P/E ratio 22.8
More key figures
Operating margin 0.6%
EPS (TTM) €0.1600
EPS growth (YoY) -26.3%
Net debt €112M FY2025

Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 62/100

Of which business quality 61 · Market factors (momentum, volatility) 41

Profitability 41
Margins and returns on capital today
Quality Growth 54
Are margins and returns improving?
Cashflow 59
Earnings quality: real cash, not paper profit
Fin. Strength 57
Balance sheet, leverage, solvency risk
Investment 93
Disciplined investing over empire-building
Low Volatility 65
Calm price path (market factor)
Momentum 34
Price trend over the last 3–12 months (market factor)
52W Momentum 25
Distance to the 52-week high (market factor)
Net Issuance 80
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

Aramis Group SAS engages in the online sale of used vehicles in France, Belgium, the United Kingdom, Austria, Italy, and Spain. The company offers a wide range of automotive products and services, including financing, insurance, maintenance, contracts, warranty extensions, and automotive accessories.

Full company description

Aramis Group SAS engages in the online sale of used vehicles in France, Belgium, the United Kingdom, Austria, Italy, and Spain. The company offers a wide range of automotive products and services, including financing, insurance, maintenance, contracts, warranty extensions, and automotive accessories. It operates under the Aramisauto, Cardoen, Clicars, CarSupermarket, Onlinecars, and Brumbrum brands. The company was founded in 2001 and is based in Arcueil, France. Aramis Group SAS operates as a subsidiary of Stellantis Auto SAS

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Aramis Group reported revenue of €2.4B in FY2025 versus €1.3B in FY2021, a compound +17.1%/yr. Reported net income was €19.9M in FY2025.

Growth Quality 85/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Latest Revenue (FY 2025)
€2.4B
Latest YoY
+6.3%
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.
+10.4%
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.
+16.8%
Avg. growth/yr (7Y) 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.
+23.3%
Revenue +17.1%/yr
FY21 €1.3B
FY22 €1.8B
FY23 €1.9B
FY24 €2.2B
FY25 €2.4B
Net income
FY21 −€15.7M
FY22 −€60.2M
FY23 −€32.3M
FY24 €5.0M
FY25 €19.9M

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Cite: Fair Value Calculator (2026). "Aramis Group Fair Value". https://www.fairvalue-calculator.com/stock/ARAMI

Peer Group

Auto & Truck Dealerships · 102 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 62 · Top 25%
Fair Value upside +18% · Above median
Return on equity (TTM) 7% · Above median
Return on assets 3% · Below median
Net margin (TTM) 1% · Below median
Operating margin (TTM) 1% · Below median
Revenue growth -7% · Below median
Debt / equity 0.01× · Lower than 75% of peers

Valuation Multiples vs Auto & Truck Dealerships median · lower = cheaper

P/E (TTM) 22.8× · Pricier than median
P/B 1.67× · Pricier than median
P/S (TTM) 0.15× · Cheaper than 75% of peers
P/FCF 5.1× · Pricier than median
EV/EBITDA 7.3× · Pricier than median

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 57 · sector 21
FUTURE 0 · sector 9
PAST 27 · sector 20
HEALTH 100 · sector 89
DIVIDEND 0 · sector 49

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 Auto & Truck Dealerships stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
Carvana Co CVNA $70.38 $24.58 -65%
Penske Automotive Group PAG $202.66 $241.86 +19%
Hotai Motor Co 2207 476.50 TWD 576.75 TWD +21%
CarMax, Inc KMX $58.47 $29.62 -49%
Lithia Motors, Inc LAD $339.16 $610.95 +80%
AutoNation, Inc AN $205.72 $329.77 +60%
Rush Enterprises, Inc RUSHA $76.89 $66.27 -14%
Valvoline Inc VVV $38.64 $24.57 -36%
OPENLANE, Inc OPLN $39.46 $33.81 -14%
Eagers Automotive Limited APE A$20.83 A$17.66 -15%

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Frequently asked questions

Is Aramis Group (ARAMI) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of €5.02 versus a price of €4.25, about +18% (undervalued).
What is the fair value of ARAMI?
Our model-based fair value for Aramis Group is €5.02 (as of Jul 16, 2026), built from audited fundamentals. The current price is €4.25.
What is the quality score of ARAMI?
Aramis Group has a Quality Score of 62/100. 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 Aramis Group (ARAMI)?
Aramis Group reported trailing-twelve-month revenue of about €2.3B (latest available figure, as of Jul 16, 2026).
What is the net profit margin of ARAMI?
The net profit margin of Aramis Group is about 0.6%, meaning it keeps roughly 0.6% 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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