Check 35,000+ stocks against 26 valuation models and 37 quality factors
Data-driven stock valuation
Which stocks are undervalued right now? Check free
Discover now →
There (B1V) fair value: what the stock is really worth
As of Jun 12, 2026: fair value of There €131, price €129, upside +2.3%, quality 70 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
- Fair value above price? Yes
- Good quality? Yes
- Add to watchlist
T
Thin data
Sep 24, 2026
There
B1V · BENeutralThe stock looks roughly fairly valued with average quality.
·Fair value €131.45 · Fairly valued (+2.3%)
✓Quality 70/100
!Mixed Growth (revenue 5y +3.6 %/yr)
✓Highly profitable · 37.9% net margin (FY2025)
✓generates free cash flow
·5.6% dividend yield · Safety not assessed
✓Wide moat 67/100
!Evidence only low, so the estimate is less certain
Watch There for free, get notified when fair value or trend changes. Plus fair value for all 35,000+ stocks, 14 days of Pro free, no card.
Watch for free
Pro now: $1 first month
What runs behind every stock
26
valuation models
8 families, DCF to NCAV
37
quality factors
margins, balance sheet, cashflow, debt
6
AI factors
moat, what no ratio measures
2,000+
data points
verified, per stock, median
69 individual criteria per stock, every one traceable See the method →
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 €61.59 – €140.22 · fair‑value band €98.59 – €164.31 · the €128.50 price screens below the €131.45 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
Company profile
There is no Profile data available for B1V.BE.
Stock analysis
There (B1V) currently trades at €128.50, while our model-based Fair Value estimate is €131.45, so the stock looks roughly fairly valued today (gap 2.2%).
Show more
Valuation
Bull case: the Multiples group reads highest at a median of €132.14 per share, and 2 of the 4 models we run sit above the €128.50 price.
Bear case: the Asset-Based group reads lowest at €63.24, and 2 of the 4 models stay below the price. Evidence for this calculation is low.
Scenario range: €98.59 (bear) to €164.31 (bull), the price of €128.50 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 70/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
There reported revenue of CHF 1.1B in FY2025 versus CHF 1.0B in FY2021, a compound +3.1%/yr. Reported net income was CHF 430M in FY2025, compounding +3.2%/yr from FY2021.
Key figures
Market cap €11.0B · Dividend yield 5.6% · Net margin 37.9% · Free cash flow CHF 5.8B · Net debt CHF 1.8B.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 52 out of 100 (low confidence).
What moves the price
The share trades about 8% below its 52-week high and 60% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −36% fair-value upside, at 2%, B1V screens cheaper than that median.
Fair Value models
Bear €98.59
Fair Value €131.45
Bull €164.31
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. 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.
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.
Highest evidence
Residual Income
€84.31
€93.71
€113.30
71
P/E Multiple
€99.46
€132.61
€165.76
63
P/B Multiple
€99.11
€132.14
€165.18
55
All 4 models by family
Multiples
P/E Multiple
€99.46
€132.61
€165.76
63
P/B Multiple
€99.11
€132.14
€165.18
55
Asset-Based
NCAV (Graham)
€47.19
€63.24
€94.39
51
Economic Profit
Residual Income
€84.31
€93.71
€113.30
71
Notify me when B1V reaches fair value
Put B1V on your watchlist. We get in touch as soon as price and fair value meet or the trend turns.
Set up alert →Quality Score breakdown
Overall quality
70/100
Of which business quality 66 · Market factors (momentum, volatility) 68
Profitability
43
Margins and returns on capital today
Quality Growth
38
Are margins and returns improving?
Cashflow
100
Earnings quality: real cash, not paper profit
Fin. Strength
51
Balance sheet, leverage, solvency risk
Investment
94
Disciplined investing over empire-building
Low Volatility
25
Calm price path (market factor)
Momentum
83
Price trend over the last 3–12 months (market factor)
52W Momentum
90
Distance to the 52-week high (market factor)
Net Issuance
82
Share count: buybacks or dilution?
Revenue & earnings trend
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.
59/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−0.4%
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.
+3.3%
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.
+3.6%
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.
+2.0%
’16
’17
’18
’19
’20
’21
’22
’23
’24
’25
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.
+9.0%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.4%
Dividend (yield on the price)5.6%
Watch B1V, get fair value alerts →
Compare There with another stock
Price, fair value, quality and upside side by side.
Free, no sign-up
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.Banks - Regional · 1053 stocks
Beats the industry median on 3/9 measures
Overall it trails its industry peers.
Valuation Multiplesvs Banks - Regional median · lower = cheaper
Context: sector, industry, market
- Is the Financials sector expensive or cheap?
- P/E, EV/EBITDA and margins by industry (reference tables)
- Undervalued stocks: German Stocks
- Valuation of the Germany market
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
Similar stocks
10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| DBS Group D05 | 78.00 SGD | 40.39 SGD | −48% |
| China Merchants Bank Co 600036 | ¥40.69 | ¥52.73 | +30% |
| UniCredit S.p.A UCG | €79.53 | €77.12 | −3% |
| Mizuho Financial Group MFG | $11.05 | $6.82 | −38% |
| Intesa Sanpaolo S.p.A ISP | €6.38 | €4.06 | −36% |
| BNP Paribas SA BNP | €91.54 | €105.99 | +16% |
| HDFC Bank Limited HDFCBANK | ₹721.20 | ₹406.44 | −44% |
| Oversea-Chinese Banking Corporation O39 | 32.01 SGD | 19.78 SGD | −38% |
| Al Rajhi Banking and Investment Corporation 1120 | 63.15 SAR | 36.95 SAR | −41% |
| CaixaBank, S.A CABK | €12.03 | €8.46 | −30% |
Explore undervalued stocks
More undervalued Financial Services stocks →
All undervalued stocks
TechnologyFinancial ServicesHealthcareConsumer CyclicalConsumer DefensiveCommunication ServicesIndustrialsEnergyBasic MaterialsReal EstateUtilities Deeply Undervalued StocksUndervalued High-Quality StocksUndervalued Blue-Chip StocksUndervalued Small-Cap StocksUndervalued Dividend Stocks
Try a ready-made strategy
Pick a strategy and jump into the live analysis with that exact screen applied.
🥇 Backtested Best
🏆 Big Names
⭐ Top Rated
💎 Quality on Sale
🚀 Profitable Growth
🧊 Quality Compounders
💵 Dividend Stars
📈 Strong Momentum
📉 Fallen Angels
⚖️ Deeply Undervalued
🔍 Small-Cap Gems
🏰 Moat at a Fair Price
💼 Insider Buying
🎩 Buffett-Style Quality
📚 Peter Lynch GARP
🧮 Greenblatt Magic Formula
🛡️ Graham Defensive
Discover tools
Stock screenerFilter by region, size and sector
Compare toolTwo stocks side by side
Extrinsic Value Calculator…Calculator with industry benchmark
Peter Lynch Fair Value Formula &…Calculator with industry benchmark
Run the numbers yourself: free valuation calculators
Frequently asked questions
Is There (B1V) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of €131.45 versus the last price from Jun 12, 2026 of €128.50, about +2% upside (fairly valued).
What is the fair value of B1V?
Our model-based fair value for There is €131.45 (as of Sep 24, 2026), built from audited fundamentals. Last price (from Jun 12, 2026): €128.50.
What is the quality score of B1V?
There has a Quality Score of 70/100. 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 There (B1V)?
Our model-based price target is the fair value of €131.45 (as of Sep 24, 2026) from 4 valuation models. Cautious scenario €98.59, optimistic scenario €164.31. It is a calculation from audited fundamentals, not an analyst target.
What is the There stock forecast for 2026?
Our models put fair value at €131.45, about +2% upside versus the last price from Jun 12, 2026 of €128.50 (fairly valued). Cautious scenario €98.59, optimistic scenario €164.31. The calculation is refreshed regularly with new filings.
Does There pay a dividend?
There currently shows a dividend yield of about 5.63% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of There (B1V)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For There it is €131.45 per share (as of Sep 24, 2026), against a price of €128.50. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is There stock overvalued or undervalued in 2026?
As of Sep 24, 2026, B1V trades below its calculated fair value: price €128.50, fair value €131.45, a gap of about +2% (fairly valued). 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 B1V?
No. The price is what the market pays today (€128.50); the fair value is what the company's own numbers justify (€131.45). For There the two are €2.95 per share apart. That gap is exactly why we show both numbers side by side.
How much is There worth?
The market values There at about €11.0B (market capitalisation, as of Sep 24, 2026). Per share that is €128.50; our models calculate a fair value of €131.45 per share.
What do the bullish and bearish scenarios say about B1V?
Our models span a range for There: cautious scenario €98.59, base €131.45, optimistic €164.31 per share (as of Sep 24, 2026, price €128.50). The range comes from different growth and margin assumptions, not from analyst opinions.
How far is B1V from its 52-week high?
There trades at €128.50, about 8% below its 52-week high of €140.22 and 60% above the low of €80.37 (as of Jun 12, 2026). Distance from the high says nothing about value: that is what the fair value of €131.45 is for.
Which stocks are comparable to There?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, UniCredit S.p.A, Mizuho Financial Group, 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 There stock attractive at the current price?
The data as of Sep 24, 2026: price €128.50, calculated fair value €131.45 (+2%), Quality Score 70/100, from 4 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 B1V calculated?
We run There through 4 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 €131.45, 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 14.5 % above its aggregate fair value. There currently trades 2 % 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 There (B1V)?
The latest price we hold is from Jun 12, 2026 and stands at €128.50. Our model-based fair value is €131.45, about +2% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with There right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 There
How large is the market capitalisation of There (B1V)?
The market capitalisation of There is €11.0B. 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 dividend yield of There (B1V)?
The dividend yield of There is 5.6%. 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 There (B1V)?
The net margin of There is 37.9% (fiscal year 2025). How much of every unit of revenue ends up as profit. 10% means 10 cents of profit per dollar of sales.
How much free cash flow does There (B1V) generate?
The free cash flow of There is CHF 5.8B (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 There (B1V) carry?
The net debt of There is CHF 1.8B (fiscal year 2025, ≈ 0.3 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
Free · no account needed
Watch There in the live analysis
One click puts There on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener. You can also try 14 days of Pro there, no card.
Watch for free →Zero risk: nothing is ever charged. Your watchlist is yours, with or without an account.