Auxilia SA (AUX) fair value: what the stock is really worth
As of Oct 28, 2026: fair value (intrinsic value) of Auxilia SA stock PLN 0.43, price PLN 1.26, upside -65.9%, quality 54 out of 100. Rating: strongly overvalued. 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. As of Oct 24, 2026.
How to read this chart
60‑month range 0.7050 PLN – 4.94 PLN · fair‑value band 0.3100 PLN – 0.5700 PLN · the 1.26 PLN price screens above the 0.4300 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Oct 24, 2026.
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Auxilia S.A. provides services for the victims of accidents and their families.
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It offers compensation for fatal and road accidents; bodily injury; accidents at work, accidents in agriculture, and medical errors; capitalization of annuity; legal subscription services; compensation for entrepreneurs; and online legal advice services.
The company was founded in 2003 and is headquartered in Wroclaw, Poland.
Stock analysis
Auxilia SA (AUX) currently trades at 1.26 PLN, while our model-based Fair Value estimate is 0.4300 PLN, 65.9% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 0.5100 PLN per share, and 1 of the 24 models we run sit above the 1.26 PLN price.
Bear case: the Earnings-Based group reads lowest at 0.1600 PLN, and 23 of the 24 models stay below the price. Data coverage for this calculation is low.
Scenario range: 0.3100 PLN (bear) to 0.5700 PLN (bull), the price of 1.26 PLN sits above 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 54/100 (solid quality), in the Consumer Non-Cyclicals sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Auxilia SA reported revenue of 7.7M PLN in FY2025 versus 7.1M PLN in FY2021, a compound +2.1%/yr. Reported net income was 315K PLN in FY2025, compounding −3.2%/yr from FY2021.
Key figures
Market cap 20.2M PLN (≈ $5.1M) Micro · P/E ratio 4.8 · P/S ratio 0.20 · EPS (TTM) 0.9180 PLN · Dividend yield 0.2% · Net margin 4.1% · Return on equity 4,476% · Return on assets (EBIT) 1.0%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 34 out of 100 (low confidence).
What moves the price
The share trades about 32% below its 52-week high and 21% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Non-Cyclicals peers we cover trades at 3% fair-value upside, at −66%, AUX screens richer than that median.
Fair Value models
Bear0.3100 PLNFair Value 0.4300 PLNBull0.5700 PLN
Price 1.26 PLN · Upside -65.9%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.7596 PLN per share) are deliberately not added.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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+3.8%
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.
−4.5%
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.
−9.5%
Start year 2020 (pandemic)
Revenue growth 9 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.
−2.5%
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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.
≈ −36.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year−36.2%
Dividend (yield on the price)0.2%
Profit margin 2016 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% → 7%
⚠ Rate on operating basis: 2025 sits 76% above its own trend.
Growth Forecast
A lot of optimism in the price
The price assumes more growth than the company has delivered so far.
What the price assumes ⓘThis turns our valuation around: instead of asking what the share is worth, it asks what growth the current price requires. It uses the cash the company keeps after all spending (free cash flow), the same discount rate as our models, five years of growth, then slowing evenly to 2 % a year by year ten. Compared with the analysts' sales forecasts extended to the same five years (at least three analysts, for context only, it does not enter the Fair Value): within 3 percentage points counts as "in line" (amber), below that little optimism (green), above that a lot of optimism (red).
+1.3%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Poland: IMF forecast 3.1% a year to 2030, 4.6% from 2016 to 2025) that is about −1.8% a year for the price.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Personal & Household Products & Services” was too small, so the broader sector is used.)Consumer Staples · 1698 stocks
Beats the sector median on 3/11 measures
Overall it trails its sector peers.
Valuation
Quality Score54 · Below median
Fair Value upside−65.9% · Bottom 25%
Profitability
Return on assets0.7% · Below median
Net margin (12 months)4.1% · Below median
Operating margin (12 months)0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)0.0% · Below median
Dividend yield (12 months)0.2% · Bottom 25%
Valuation Multiplesvs Consumer Staples median · lower = cheaper
P/E (12 months)4.8× · Cheapest 25%
P/B0.42× · Cheapest 25%
Price / free cash flow15.2× · Pricier than median
EV/EBITDA4.2× · Cheapest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 35
FUTURE (revenue growth)0· sector 16
PAST (return on equity)0· sector 29
HEALTH (low debt)100· sector 95
DIVIDEND (yield)5· sector 54
VALUE 0: the price sits above our fair-value range.
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). "Auxilia SA Fair Value". https://www.fairvalue-calculator.com/stock/AUX
Frequently asked questions
Is Auxilia SA (AUX) overvalued or undervalued?
As of Oct 24, 2026, our model estimates a fair value of 0.4300 PLN versus a price of 1.26 PLN, about −66% upside (overvalued).
What is the fair value of AUX?
Our model-based fair value for Auxilia SA is 0.4300 PLN (as of Oct 24, 2026), built from audited fundamentals. The current price: 1.26 PLN.
What is the quality score of AUX?
Auxilia SA has a Quality Score of 54/100. 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 Auxilia SA (AUX)?
Our model-based price target is the fair value of 0.4300 PLN (as of Oct 24, 2026) from 24 valuation models. Cautious scenario 0.3100 PLN, optimistic scenario 0.5700 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Auxilia SA stock forecast for 2026?
Our models put fair value at 0.4300 PLN, about −66% upside versus a price of 1.26 PLN (overvalued). Cautious scenario 0.3100 PLN, optimistic scenario 0.5700 PLN. The calculation is refreshed regularly with new filings.
Does Auxilia SA pay a dividend?
Auxilia SA currently shows a dividend yield of 0.24% relative to its recent price (as of Oct 24, 2026).
What growth is priced into Auxilia SA (AUX)?
For today's price to be fair in a discounted-cash-flow model, Auxilia SA would have to grow free cash flow by +1.3 % per year for five years (discount rate 10.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -9.5 % per year. As of Oct 24, 2026.
What discount rate (WACC) does the fair value of AUX use?
Our models discount Auxilia SA at 10.6 %: a base by market capitalisation (nano), country premium for Poland. The same rate applies in all 26 models.
What is a reverse DCF?
A reverse DCF turns the usual calculation around. Instead of deriving a value from assumptions, it takes today's price as given and asks: what free-cash-flow growth would a company have to deliver for exactly this price to be fair? The result is not a forecast but the expectation already priced in. For Auxilia SA that is +1.3 % per year a year over ten years, using the same discount rate (10.6 %) and the same formula as our fair value.
How much growth has Auxilia SA (AUX) delivered so far?
Over the past 5 years revenue at Auxilia SA grew -9.5 % a year. The price currently implies +1.3 % per year free-cash-flow growth a year. Comparing the two shows how much confidence is in the price: if it demands more than has been delivered, the business has to accelerate for the maths to work.
How fast is the sector of Auxilia SA (AUX) growing?
The median revenue growth in the sector is +3.1 % a year. That is the yardstick for the growth priced into Auxilia SA (+1.3 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Auxilia SA (AUX)?
The free-cash-flow yield on the price is 5.88 %: that much free cash flow Auxilia SA produces per unit of market value. When it exceeds the discount rate of our models (10.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Auxilia SA (AUX)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Auxilia SA it is 0.4300 PLN per share (as of Oct 24, 2026), against a price of 1.26 PLN. It is the blended result of 24 valuation models (cash flow, earnings, asset, dividend).
Is Auxilia SA stock overvalued or undervalued in 2026?
As of Oct 24, 2026, AUX trades above its calculated fair value: price 1.26 PLN, fair value 0.4300 PLN, a gap of about −66% (overvalued). 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 AUX?
No. The price is what the market pays today (1.26 PLN); the fair value is what the company's own numbers justify (0.4300 PLN). For Auxilia SA the two are 0.8300 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Auxilia SA worth?
The market values Auxilia SA at about 20.2M PLN (market capitalisation, as of Oct 24, 2026). Per share that is 1.26 PLN; our models calculate a fair value of 0.4300 PLN per share.
What do the bullish and bearish scenarios say about AUX?
Our models span a range for Auxilia SA: cautious scenario 0.3100 PLN, base 0.4300 PLN, optimistic 0.5700 PLN per share (as of Oct 24, 2026, price 1.26 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of AUX?
Auxilia SA trades at a price-to-earnings ratio of 4.8 (as of Oct 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.4300 PLN is built from several models across several years. Other multiples: P/B 0.4, EV/EBITDA 4.2.
How far is AUX from its 52-week high?
Auxilia SA trades at 1.26 PLN, about 32% below its 52-week high of 1.85 PLN and 21% above the low of 1.04 PLN (as of Oct 28, 2026). Distance from the high says nothing about value: that is what the fair value of 0.4300 PLN is for.
Which stocks are comparable to Auxilia SA?
From the same area (Consumer Non-Cyclicals) we also value NeoPharm CO., LTD., HYUNDAI BIOLAND Co, Csa Cosmic Co, FB, 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 Auxilia SA stock attractive at the current price?
The data as of Oct 24, 2026: price 1.26 PLN, calculated fair value 0.4300 PLN (−66%), Quality Score 54/100, 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 AUX calculated?
We run Auxilia SA 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 0.4300 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 13.4 % above its aggregate fair value. Auxilia SA itself currently trades above fair value. 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 Auxilia SA (AUX)?
The closing price on Oct 28, 2026 was 1.26 PLN. Our model-based fair value is 0.4300 PLN, about −66% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Auxilia SA right now?
The price sits above even our optimistic bull case (0.5700 PLN). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (54/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (0.3100 PLN to 0.5700 PLN) leaves room in how you read the outcome.
Key figures of Auxilia SA
How large is the market capitalisation of Auxilia SA (AUX)?
The market capitalisation of Auxilia SA is 20.2M PLN (≈ $5.1M). 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 Auxilia SA (AUX)?
The price-to-sales ratio of Auxilia SA is 0.20 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Auxilia SA (AUX)?
Earnings per share at Auxilia SA are 0.9180 PLN (price ÷ EPS = P/E 4.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Auxilia SA (AUX)?
The dividend yield of Auxilia SA is 0.2% (payout 0.3%). Yearly dividend relative to the share price. 3% pays 3 per 100 invested. Below: how much of profit is used for it.
What is the net margin of Auxilia SA (AUX)?
The net margin of Auxilia SA is 4.1% (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 Auxilia SA (AUX)?
The return on equity (ROE) of Auxilia SA is 4,476% (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 Auxilia SA (AUX)?
On an EBIT basis the return on assets of Auxilia SA is 1.0% (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.
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