Atlantis S.A. (ATS) fair value: what the stock is really worth
We calculate from audited financials what Atlantis S.A. is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 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 13, 2026.
How to read this chart
60‑month range 1.17 PLN – 1,244 PLN · fair‑value band 0.3500 PLN – 1.70 PLN · the 1.17 PLN price screens below the 1.70 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 13, 2026.
Atlantis SE provides cash loans to business entities in Poland. The company was incorporated in 2018 and is headquartered in Tallinn, Estonia.
Stock analysis
Atlantis S.A. (ATS) currently trades at 1.17 PLN, while our model-based Fair Value estimate is 1.70 PLN, implying the stock looks roughly 31.2% undervalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 0.4500 PLN per share, and 0 of the 6 models we run sit above the 1.17 PLN price.
Bear case: the Earnings-Based group reads lowest at 0.2900 PLN, and 6 of the 6 models stay below the price. Evidence for this calculation is low.
Scenario range: 0.3500 PLN (bear) to 1.70 PLN (bull), the price of 1.17 PLN sits inside 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 37/100 (below-average quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Atlantis S.A. reported revenue of €342K in FY2023 versus €709K in FY2019, a compound −16.7%/yr. Reported net income was €58.0K in FY2023, compounding −54.4%/yr from FY2019.
Key figures
Market cap 9.2M PLN (≈ $2.5M) · P/S ratio 79.0 · EPS (TTM) −0.1300 PLN · Net margin 17.0% · Return on equity −12.1% · Return on assets (EBIT) 589% · Operating margin 14.9% · Revenue (TTM) 124K 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 48% below its 52-week high, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −39% fair-value upside, at 45%, ATS screens cheaper than that median.
Fair Value models
Bear 0.3500 PLNFair Value 1.70 PLNBull 1.70 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.44/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−26.9%
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.
+62.3%
Revenue growth 15 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.
+19.2%
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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.
−90.3%
Earnings growth per share plus dividend.
Earnings per share, growth per year−90.3%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.−90% vs −65%, slowing
Profit margin 2018 to 2023 ⓘ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.−237% → 85%
⚠ Revenue per share shrinking 50.1%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
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.Credit Services · 335 stocks
Beats the industry median on 3/7 measures
A mixed picture versus its industry peers.
Valuation
Quality Score39 · Bottom 25%
Profitability
Return on assets1% · Below median
Operating margin (TTM)15% · Below median
Growth and dividend
Revenue growth523% · Top 25%
Valuation Multiplesvs Credit Services 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). "Atlantis S.A. Fair Value". https://www.fairvalue-calculator.com/stock/ATS.WAR
Frequently asked questions
Is Atlantis S.A. (ATS) overvalued or undervalued?
As of Sep 13, 2026, our model estimates a fair value of 1.70 PLN versus a price of 1.17 PLN, about +45% upside (undervalued).
What is the fair value of ATS?
Our model-based fair value for Atlantis S.A. is 1.70 PLN (as of Sep 13, 2026), built from audited fundamentals. The current price: 1.17 PLN.
What is the quality score of ATS?
Atlantis S.A. has a Quality Score of 37/100. 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 Atlantis S.A. (ATS)?
Our model-based price target is the fair value of 1.70 PLN (as of Sep 13, 2026) from 6 valuation models. Cautious scenario 0.3500 PLN, optimistic scenario 1.70 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Atlantis S.A. stock forecast for 2026?
Our models put fair value at 1.70 PLN, about +45% upside versus a price of 1.17 PLN (undervalued). Cautious scenario 0.3500 PLN, optimistic scenario 1.70 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Atlantis S.A. (ATS)?
Atlantis S.A. reported trailing-twelve-month revenue of about 124K PLN (latest available figure, as of Sep 13, 2026).
What is the intrinsic value of Atlantis S.A. (ATS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Atlantis S.A. it is 1.70 PLN per share (as of Sep 13, 2026), against a price of 1.17 PLN. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is Atlantis S.A. stock overvalued or undervalued in 2026?
As of Sep 13, 2026, ATS trades below its calculated fair value: price 1.17 PLN, fair value 1.70 PLN, a gap of about +45% (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 ATS?
No. The price is what the market pays today (1.17 PLN); the fair value is what the company's own numbers justify (1.70 PLN). For Atlantis S.A. the two are 0.5300 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Atlantis S.A. worth?
The market values Atlantis S.A. at about 9.2M PLN (market capitalisation, as of Sep 13, 2026). Per share that is 1.17 PLN; our models calculate a fair value of 1.70 PLN per share.
What do the bullish and bearish scenarios say about ATS?
Our models span a range for Atlantis S.A.: cautious scenario 0.3500 PLN, base 1.70 PLN, optimistic 1.70 PLN per share (as of Sep 13, 2026, price 1.17 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Atlantis S.A. (ATS)?
Balance-sheet figures for Atlantis S.A. (as of Sep 13, 2026): return on equity −12.1%. They feed the Quality Score of 37/100, which measures business quality independently of the share price.
How far is ATS from its 52-week high?
Atlantis S.A. trades at 1.17 PLN, about 48% below its 52-week high of 2.25 PLN (as of Sep 13, 2026). Distance from the high says nothing about value: that is what the fair value of 1.70 PLN is for.
Which stocks are comparable to Atlantis S.A.?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Atlantis S.A. stock attractive at the current price?
The data as of Sep 13, 2026: price 1.17 PLN, calculated fair value 1.70 PLN (+45%), Quality Score 37/100, from 6 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 ATS calculated?
We run Atlantis S.A. through 6 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 1.70 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 15.8 % above its aggregate fair value. Atlantis S.A. currently trades 45 % 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 should I pay attention to with Atlantis S.A. right now?
The large discount to fair value meets weak quality (37/100). That raises the risk this is a value trap rather than a bargain. The model range is unusually wide (0.3500 PLN to 1.70 PLN). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. 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 Atlantis S.A.
How large is the market capitalisation of Atlantis S.A. (ATS)?
The market capitalisation of Atlantis S.A. is 9.2M PLN (≈ $2.5M). 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 Atlantis S.A. (ATS)?
The price-to-sales ratio of Atlantis S.A. is 79.0 (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 Atlantis S.A. (ATS)?
Earnings per share at Atlantis S.A. are −0.1300 PLN. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Atlantis S.A. (ATS)?
The net margin of Atlantis S.A. is 17.0% (fiscal year 2023). 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 Atlantis S.A. (ATS)?
The return on equity (ROE) of Atlantis S.A. is −12.1% (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 Atlantis S.A. (ATS)?
On an EBIT basis the return on assets of Atlantis S.A. is 589% (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 Atlantis S.A. (ATS)?
The operating margin of Atlantis S.A. is 14.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Atlantis S.A. (ATS)?
Revenue at Atlantis S.A. is growing +523% versus a year earlier (3y avg +62.3%). 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 Atlantis S.A. (ATS)?
Earnings per share at Atlantis S.A. are growing −71.1% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Atlantis S.A. (ATS) generate?
The free cash flow of Atlantis S.A. is −376K PLN (fiscal year 2023). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does Atlantis S.A. (ATS) hold?
Atlantis S.A. holds more cash than debt, 1.0K PLN net (fiscal year 2023). The company holds more cash than debt, a safety cushion.
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