Banqup Group (BANQ) Fair Value & Analysis
Technology · BE · Market cap €80.6M
Fair value as of: Aug 6, 2026
From 1 valuation models · updated 4 days ago
Fair value updated Aug 6, 2026, revised from €1.25 to €1.93 (+54.9%) since Jul 24, 2026. Share price +8.9% over the past month.
Below-average quality, and screening another 12% overvalued on our models.
What matters 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.
Price vs Fair Value (5 years)
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 €2.20 price screens above the €1.93 fair value. Dashed = 300-day average. As of Aug 6, 2026.
Analysis
Banqup Group (BANQ) currently trades at €2.20, while our model-based Fair Value estimate is €1.93, implying the stock looks roughly 12.3% overvalued today. The Quality Score stands at 33/100 (below-average quality), in the Technology sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: low).
Over the trailing twelve months, Banqup Group generated revenue of €51.6M at a net margin of -86.9%. Revenue grew 6.5% year over year. It earns a return on equity of -29.9%. The balance sheet holds a net cash position of €36.9M. Fundamentals as of Aug 6, 2026
Our scenario range runs from €1.44 (bear case) to €2.87 (bull case); at €2.20, 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 48% below its 52-week high and 53% above its 52-week low, currently below its 200-day average. For context, the median of 10 Technology peers we cover trades at -27% fair-value upside, at -12%, BANQ 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.
All 1 models by family
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Key figures & financial health
More key figures
Figures from reported company fundamentals · as of Aug 6, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 33 · Market factors (momentum, volatility) 13
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
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.
Full company description
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.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2025 · reported fiscal years
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.
BANQ screens 12% overvalued. Compare with SAP SE →
Peer Group
Software - Application · 709 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.
Valuation Multiples vs Software - Application median · lower = cheaper
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.
Insider activity: 40/100
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Software - Application stocks, each showing price versus our Fair Value estimate (as of Aug 6, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| SAP SE SAPS | C$12.69 | C$16.26 | +28% |
| Shopify Inc SHOP | C$173.23 | C$20.54 | -88% |
| Uber Technologies, Inc UBER | $72.67 | $51.11 | -30% |
| Salesforce, Inc CRM | $170.77 | $182.10 | +7% |
| ServiceNow, Inc NOW | $107.71 | $33.12 | -69% |
| Cadence Design Systems, Inc CDNS | $384.17 | $80.41 | -79% |
| Snowflake Inc SNOW | $271.87 | $34.04 | -87% |
| Adobe Inc ADBE | $230.61 | $379.48 | +65% |
| Automatic Data Processing, Inc ADP | $241.92 | $177.51 | -27% |
| Intuit Inc INTU | $291.09 | $258.69 | -11% |
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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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