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BANQUP GROUP (BANQ) fair value: what the stock is really worth

We calculate from audited financials what BANQUP GROUP 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.

Valuation from Aug 6, 2026. With the latest figures (losses, negative cash flow), a fair value can no longer be calculated.
  1. Fair value above price? No
  2. Good quality? No
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Technology · BE

BG Thin data Aug 6, 2026

BANQUP GROUP

BANQ · BR

Weak valuationQuality is weak on top of the rich price.

!Fair value €1.93 · Overvalued (−11%)
!Quality 33/100
!Weak Growth (revenue 5y −5.6 %/yr)
!Loss-making · -86.9% net margin (TTM)
!Low debt · negative free cash flow
!Trails peers (2/10)
!Narrow moat 16/100
!Insider activity 40/100
!Evidence only low, so the estimate is less certain
!Weak on valuation: 19 out of 100
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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

€18.98 €1.51 Fair Value €1.93 Aug 2021 Sep 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 6, 2026.

How to read this chart

60‑month range €1.51 – €18.98 · fair‑value band €1.44 – €2.87 · the €2.16 price screens above the €1.93 fair value. Dashed = 300-day average. As of Aug 6, 2026.

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Company profile

Banqup Group SA, a fintech company, operates and develops a cloud-based platform for administrative and financial services in Belgium and internationally. It operates through Digital Services and Traditional Communications Services segments.

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Banqup Group SA, a fintech company, operates and develops a cloud-based platform for administrative and financial services in Belgium and internationally. It operates through Digital Services and Traditional Communications Services segments. The company offers e-trust, e-invoicing, e-payments, and e-reporting; and document data extraction, print, mail, and paper-based services. It also provides suite of services, including purchase-to-pay, order-to-cash, compliance, payments, and value-added services. The company serves professionals, businesses, enterprises, and accountants. The company was formerly known as Unifiedpost Group SA and changed its name to Banqup Group SA in May 2025. Banqup Group SA was founded in 2001 and is headquartered in La Hulpe, Belgium.

Stock analysis

BANQUP GROUP (BANQ) currently trades at €2.16, while our model-based Fair Value estimate is €1.93, implying the stock looks roughly 11.9% overvalued today.

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Valuation

How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.

Scenario range: €1.44 (bear) to €2.87 (bull), the price of €2.16 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 33/100 (below-average quality), in the Technology sector.

Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.

BANQUP GROUP reported revenue of €51.6M in FY2025 versus €171M in FY2021, a compound −25.8%/yr. Reported net income was −€35.9M in FY2025.

Key figures

Market cap €80.2M · P/S ratio 1.56 · EPS (TTM) €−1.03 · Net margin −69.4% · Return on equity −29.9% · Return on assets (EBIT) −12.4% · Operating margin −78.9% · Revenue (TTM) €51.6M.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 49 out of 100 (low confidence).

What moves the price

The share trades about 48% below its 52-week high and 44% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Technology peers we cover trades at −6% fair-value upside, at −11%, BANQ screens richer than that median.

Fair Value models

Bear €1.44 Fair Value €1.93 Bull €2.87
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.
Highest evidence
NCAV (Graham) €1.44 €1.93 €2.87 54
All 1 models by family
Asset-Based
NCAV (Graham) €1.44 €1.93 €2.87 54

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Quality Score breakdown

Overall quality 33/100

Of which business quality 33 · Market factors (momentum, volatility) 13

Profitability 2
Margins and returns on capital today
Quality Growth 3
Are margins and returns improving?
Cashflow 0
Earnings quality: real cash, not paper profit
Fin. Strength 60
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 14
Calm price path (market factor)
Momentum 14
Price trend over the last 3–12 months (market factor)
52W Momentum 13
Distance to the 52-week high (market factor)
Net Issuance 62
Share count: buybacks or dilution?

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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. 0/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−38.2%
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.
−35.3%
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.
−5.6%
Start year 2020 (pandemic). Over 10 years: +68.7% a year
Revenue growth 10 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.
+68.7%
Profit margin (trend) ⓘ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.
−31.1% (2020) → −61.9% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
not computed

BANQ screens 12% overvalued. Compare with SAP SE →

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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.Software - Application · 720 stocks

Beats the industry median on 1/8 measures
Overall it trails its industry peers.
Valuation
Quality Score 33 · Bottom 25%
Fair Value upside −11% · Below median
Profitability
Return on assets −7% · Bottom 25%
Net margin (TTM) −87% · Bottom 25%
Operating margin (TTM) −79% · Bottom 25%
Growth and dividend
Revenue growth 7% · Below median
Balance sheet
Debt / equity 0.27× · Above median

Valuation Multiplesvs Software - Application median · lower = cheaper

P/B 0.85× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/S (TTM) 1.77× · Cheaper than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)19 · sector 25
FUTURE (revenue growth)33 · sector 38
PAST (return on equity)0 · sector 16
HEALTH (low debt)86 · sector 97
DIVIDEND (yield)0 · sector 30

Context: sector, industry, 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 Software - Application stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
SAP SE SAP €184.18 €172.46 −6%
Salesforce, Inc CRM $238.22 $342.73 +44%
Shopify Inc SHOP $145.16 $64.36 −56%
ServiceNow, Inc NOW $137.78 $151.56 +10%
Uber Technologies, Inc UBER $69.22 $103.69 +50%
Cadence Design Systems, Inc CDNS $309.09 $225.14 −27%
Snowflake Inc SNOW $334.81 $75.08 −78%
Datadog, Inc DDOG $251.49 $32.92 −87%
Adobe Inc ADBE $238.25 $454.04 +91%
Automatic Data Processing, Inc ADP $263.68 $177.51 −33%

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BANQUP GROUP · Fair Value
€1.93 −12%Fair Value
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Cite: Fair Value Calculator (2026). "BANQUP GROUP Fair Value". https://www.fairvalue-calculator.com/stock/BANQ

Frequently asked questions

Is BANQUP GROUP (BANQ) overvalued or undervalued?
As of Aug 6, 2026, our model estimates a fair value of €1.93 versus a price of €2.16, about −11% upside (overvalued).
What is the fair value of BANQ?
Our model-based fair value for BANQUP GROUP is €1.93 (as of Aug 6, 2026), built from audited fundamentals. The current price: €2.16.
What is the quality score of BANQ?
BANQUP GROUP has a Quality Score of 33/100. 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 BANQUP GROUP (BANQ)?
Our model-based price target is the fair value of €1.93 (as of Aug 6, 2026) from 1 valuation models. Cautious scenario €1.44, optimistic scenario €2.87. It is a calculation from audited fundamentals, not an analyst target.
What is the BANQUP GROUP stock forecast for 2026?
Our models put fair value at €1.93, about −11% upside versus a price of €2.16 (overvalued). Cautious scenario €1.44, optimistic scenario €2.87. The calculation is refreshed regularly with new filings.
What is the revenue of BANQUP GROUP (BANQ)?
BANQUP GROUP reported trailing-twelve-month revenue of about €51.6M (latest available figure, as of Aug 6, 2026).
What is the intrinsic value of BANQUP GROUP (BANQ)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BANQUP GROUP it is €1.93 per share (as of Aug 6, 2026), against a price of €2.16. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is BANQUP GROUP stock overvalued or undervalued in 2026?
As of Aug 6, 2026, BANQ trades above its calculated fair value: price €2.16, fair value €1.93, a gap of about −11% (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 BANQ?
No. The price is what the market pays today (€2.16); the fair value is what the company's own numbers justify (€1.93). For BANQUP GROUP the two are €0.2300 per share apart. That gap is exactly why we show both numbers side by side.
How much is BANQUP GROUP worth?
The market values BANQUP GROUP at about €80.2M (market capitalisation, as of Aug 6, 2026). Per share that is €2.16; our models calculate a fair value of €1.93 per share.
What do the bullish and bearish scenarios say about BANQ?
Our models span a range for BANQUP GROUP: cautious scenario €1.44, base €1.93, optimistic €2.87 per share (as of Aug 6, 2026, price €2.16). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of BANQUP GROUP (BANQ)?
Balance-sheet figures for BANQUP GROUP (as of Aug 6, 2026): return on equity −29.9%, debt of 0.27 per unit of equity. They feed the Quality Score of 33/100, which measures business quality independently of the share price.
How far is BANQ from its 52-week high?
BANQUP GROUP trades at €2.16, about 48% below its 52-week high of €4.13 and 44% above the low of €1.51 (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of €1.93 is for.
Which stocks are comparable to BANQUP GROUP?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, 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 BANQUP GROUP stock attractive at the current price?
The data as of Aug 6, 2026: price €2.16, calculated fair value €1.93 (−11%), Quality Score 33/100, from 1 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 BANQ calculated?
We run BANQUP GROUP through 1 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 €1.93, 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 13.0 % above its aggregate fair value. BANQUP GROUP 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 BANQUP GROUP (BANQ)?
The closing price on Sep 24, 2026 was €2.16. Our model-based fair value is €1.93, about −11% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BANQUP GROUP right now?
A fairly wide model range (€1.44 to €2.87) leaves room in how you read the outcome. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual.

Key figures of BANQUP GROUP

How large is the market capitalisation of BANQUP GROUP (BANQ)?
The market capitalisation of BANQUP GROUP is €80.2M. 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 BANQUP GROUP (BANQ)?
The price-to-sales ratio of BANQUP GROUP is 1.56 (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 BANQUP GROUP (BANQ)?
Earnings per share at BANQUP GROUP are €−1.03. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of BANQUP GROUP (BANQ)?
The net margin of BANQUP GROUP is −69.4% (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 BANQUP GROUP (BANQ)?
The return on equity (ROE) of BANQUP GROUP is −29.9% (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 BANQUP GROUP (BANQ)?
On an EBIT basis the return on assets of BANQUP GROUP is −12.4% (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 BANQUP GROUP (BANQ)?
The operating margin of BANQUP GROUP is −78.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BANQUP GROUP (BANQ)?
Revenue at BANQUP GROUP is growing +6.5% versus a year earlier (3y avg −35.3%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
How much free cash flow does BANQUP GROUP (BANQ) generate?
The free cash flow of BANQUP GROUP is −€12.8M (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net cash does BANQUP GROUP (BANQ) hold?
BANQUP GROUP holds more cash than debt, €36.9M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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