Bemobi Mobile Tech S.A (BMOB3) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Bemobi Mobile Tech S.A stock BRL 31.92, price BRL 24.97, upside +27.8%, quality 65 out of 100. Rating: undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range R$8.51 – R$34.55 · fair‑value band R$15.96 – R$39.90 · the R$24.97 price screens below the R$31.92 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 3, 2026.
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Bemobi Mobile Tech S.A., a technology company, provides solutions and mobile platforms for digital payments, customer engagement, microfinance, and digital services in Brazil and internationally.
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The company offers Bemobi Pay, which includes smart checkouts which offers white-label and customizable solution, payment method orchestration, and multiple payment methods; Smart POS, that accepts payments; Payment Orchestration which optimizes payments and connects business to multiple providers, increase approval rates, and reduce fraud; and simplify payment management.
It also provides Grace, an AI-first conversational payments platform; digital engagement solutions for telecom ISPs and telco MNOS; and Agenda Edu SuperApp, a tool for communication, engagement, and school finances.
In addition, the company offers microfinance and digital subscriptions solutions for telco MNOS; and Wave, a digital native platform for telecommunications; and mobile scoring solutions for telcos and finances. It serves telecom MNOs and ISPs, utilities, education, health, and finance industries.
Bemobi Mobile Tech S.A. was incorporated in 2007 and is headquartered in Rio De Janeiro, Brazil.
Stock analysis
Bemobi Mobile Tech S.A (BMOB3) currently trades at R$24.97, while our model-based Fair Value estimate is R$31.92, implying the stock looks roughly 22% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of R$85.79 per share, and 17 of the 26 models we run sit above the R$24.97 price.
Bear case: the Asset-Based group reads lowest at R$4.37, and 9 of the 26 models stay below the price. Data coverage for this calculation is high.
Scenario range: R$15.96 (bear) to R$39.90 (bull), the price of R$24.97 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 65/100 (solid quality), in the Communication Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Bemobi Mobile Tech S.A reported revenue of R$1.7B in FY2025 versus R$489M in FY2021, a compound +36.5%/yr. Reported net income was R$157M in FY2025, compounding +20.1%/yr from FY2021.
Key figures
Market cap R$2.1B (≈ $383M) Small · P/E ratio 12.9 · P/S ratio 1.12 · EPS (TTM) R$1.94 · Dividend yield 12.9% · Net margin 8.5% · Return on equity 16.4% · Return on assets (EBIT) 7.0% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 53 out of 100 (low confidence).
What moves the price
The share trades about 28% below its 52-week high and 20% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Communication Services peers we cover trades at −13% fair-value upside, at 28%, BMOB3 screens cheaper than that median.
Fair Value models
BearR$15.96Fair Value R$31.92BullR$39.90
Price R$24.97 · Upside +27.8%
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 (R$1.66 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.81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+13.2%
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.
+4.8%
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.
+58.1%
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.
+32.6%
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What shareholders gained per year (last 5 years), in BRL (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip. Measured in BRL: this currency has depreciated against the euro and dollar over the long run, so part of the nominal rate is currency erosion that never reaches a EUR/USD investor.
+46.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+33.3%
Dividend (yield on the price)12.9%
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.35.8% vs 13.4%, picking up
Profit margin 2020 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.36% → 9%
2025 sits 85% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Pace: the 5-year rate starts in 2020 (pandemic)
Growth Forecast
A lot of optimism in the price
The price assumes less growth than the company has delivered so far and more than analysts expect.
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).
+27.4%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect ⓘAnalysts publish sales forecasts for the next two fiscal years. For the years after that, growth slows evenly to 2 % a year by year ten (2 % is the long-run rate our models use). Projected years are marked as such.
−2.7%
Yearly sales growth analysts expect, extended to five years.
After inflation (Brazil: IMF forecast 3.3% a year to 2030, 5.4% from 2016 to 2025) that is about +23.3% a year for the price and −5.8% for the forecasts.
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.Entertainment · 221 stocks
Beats the industry median on 11/14 measures
Overall it ranks above its industry peers.
Valuation
Quality Score65 · Top 25%
Fair Value upside+27.8% · Above median
Profitability
Return on equity (12 months)16.4% · Top 25%
Return on assets8.4% · Top 25%
Net margin (12 months)8.5% · Above median
Operating margin (12 months)10.7% · Above median
Growth and dividend
Revenue growth (quarter YoY)21.7% · Top 25%
Dividend yield (12 months)12.9% · Top 25%
Balance sheet
Debt / equity0.02× · Below median
Valuation Multiplesvs Entertainment 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). "Bemobi Mobile Tech S.A Fair Value". https://www.fairvalue-calculator.com/stock/BMOB3
Frequently asked questions
Is Bemobi Mobile Tech S.A (BMOB3) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of R$31.92 versus a price of R$24.97, about +28% upside (undervalued).
What is the fair value of BMOB3?
Our model-based fair value for Bemobi Mobile Tech S.A is R$31.92 (as of Nov 3, 2026), built from audited fundamentals. The current price: R$24.97.
What is the quality score of BMOB3?
Bemobi Mobile Tech S.A has a Quality Score of 65/100. 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 Bemobi Mobile Tech S.A (BMOB3)?
Our model-based price target is the fair value of R$31.92 (as of Nov 3, 2026) from 26 valuation models. Cautious scenario R$15.96, optimistic scenario R$39.90. It is a calculation from audited fundamentals, not an analyst target.
What is the Bemobi Mobile Tech S.A stock forecast for 2026?
Our models put fair value at R$31.92, about +28% upside versus a price of R$24.97 (undervalued). Cautious scenario R$15.96, optimistic scenario R$39.90. The calculation is refreshed regularly with new filings.
What is the revenue of Bemobi Mobile Tech S.A (BMOB3)?
Bemobi Mobile Tech S.A reported trailing-twelve-month revenue of about R$1.9B (latest available figure, as of Nov 3, 2026).
Does Bemobi Mobile Tech S.A pay a dividend?
Bemobi Mobile Tech S.A currently shows a dividend yield of 12.94% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Bemobi Mobile Tech S.A (BMOB3)?
Bemobi Mobile Tech S.A has a dividend yield of 12.9%.
What growth is priced into Bemobi Mobile Tech S.A (BMOB3)?
For today's price to be fair in a discounted-cash-flow model, Bemobi Mobile Tech S.A would have to grow free cash flow by +27.4 % per year for five years (discount rate 14.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +58.1 % per year. As of Nov 3, 2026.
What discount rate (WACC) does the fair value of BMOB3 use?
Our models discount Bemobi Mobile Tech S.A at 14.2 %: a base by market capitalisation (small), country premium for Brazil. 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 Bemobi Mobile Tech S.A that is +27.4 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (14.2 %) and the same formula as our fair value.
How much growth has Bemobi Mobile Tech S.A (BMOB3) delivered so far?
Over the past 5 years revenue at Bemobi Mobile Tech S.A grew +58.1 % a year. The price currently implies free-cash-flow growth of +27.4 % per 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 Bemobi Mobile Tech S.A (BMOB3) growing?
The median revenue growth in the sector is +3.8 % a year. That is the yardstick for the growth priced into Bemobi Mobile Tech S.A (+27.4 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Bemobi Mobile Tech S.A (BMOB3)?
The free-cash-flow yield on the price is 2.90 %: that much free cash flow Bemobi Mobile Tech S.A produces per unit of market value. When it exceeds the discount rate of our models (14.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Bemobi Mobile Tech S.A (BMOB3)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bemobi Mobile Tech S.A it is R$31.92 per share (as of Nov 3, 2026), against a price of R$24.97. It is the blended result of 26 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is Bemobi Mobile Tech S.A stock overvalued or undervalued in 2026?
As of Nov 3, 2026, BMOB3 trades below its calculated fair value: price R$24.97, fair value R$31.92, a gap of about +28% (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 BMOB3?
No. The price is what the market pays today (R$24.97); the fair value is what the company's own numbers justify (R$31.92). For Bemobi Mobile Tech S.A the two are R$6.95 per share apart. That gap is exactly why we show both numbers side by side.
How much is Bemobi Mobile Tech S.A worth?
The market values Bemobi Mobile Tech S.A at about R$2.1B (market capitalisation, as of Nov 3, 2026). Per share that is R$24.97; our models calculate a fair value of R$31.92 per share.
What do the bullish and bearish scenarios say about BMOB3?
Our models span a range for Bemobi Mobile Tech S.A: cautious scenario R$15.96, base R$31.92, optimistic R$39.90 per share (as of Nov 3, 2026, price R$24.97). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BMOB3?
Bemobi Mobile Tech S.A trades at a price-to-earnings ratio of 12.9 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of R$31.92 is built from several models across several years. Median P/E at fiscal year-end, 5 fiscal years (2021 to 2025), reported earnings: 14.0. Other multiples: P/B 2.2, P/S 1.1, EV/EBITDA 12.7.
How solid is the balance sheet of Bemobi Mobile Tech S.A (BMOB3)?
Balance-sheet figures for Bemobi Mobile Tech S.A (as of Nov 3, 2026): return on equity 16.4%, debt of 0.02 per unit of equity. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is BMOB3 from its 52-week high?
Bemobi Mobile Tech S.A trades at R$24.97, about 28% below its 52-week high of R$34.55 and 20% above the low of R$20.89 (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of R$31.92 is for.
Which stocks are comparable to Bemobi Mobile Tech S.A?
From the same area (Communication Services) we also value Netflix, Inc, The Walt Disney Company, Live Nation Entertainment, Inc, TKO 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 Bemobi Mobile Tech S.A stock attractive at the current price?
The data as of Nov 3, 2026: price R$24.97, calculated fair value R$31.92 (+28%), Quality Score 65/100, from 26 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 BMOB3 calculated?
We run Bemobi Mobile Tech S.A through 26 models from 8 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of R$31.92 builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Bemobi Mobile Tech S.A currently trades 22% 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 Bemobi Mobile Tech S.A (BMOB3)?
The closing price on Nov 6, 2026 was R$24.97. Our model-based fair value is R$31.92, about +28% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bemobi Mobile Tech S.A right now?
Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (R$15.96 to R$39.90) leaves room in how you read the outcome.
Key figures of Bemobi Mobile Tech S.A
How large is the market capitalisation of Bemobi Mobile Tech S.A (BMOB3)?
The market capitalisation of Bemobi Mobile Tech S.A is R$2.1B (≈ $383M). 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 Bemobi Mobile Tech S.A (BMOB3)?
The price-to-sales ratio of Bemobi Mobile Tech S.A is 1.12 (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 Bemobi Mobile Tech S.A (BMOB3)?
Earnings per share at Bemobi Mobile Tech S.A are R$1.94 (price ÷ EPS = P/E 12.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Bemobi Mobile Tech S.A (BMOB3)?
The dividend yield of Bemobi Mobile Tech S.A is 12.9% (payout 167%). 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 Bemobi Mobile Tech S.A (BMOB3)?
The net margin of Bemobi Mobile Tech S.A is 8.5% (last twelve months). 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 Bemobi Mobile Tech S.A (BMOB3)?
The return on equity (ROE) of Bemobi Mobile Tech S.A is 16.4% (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 Bemobi Mobile Tech S.A (BMOB3)?
On an EBIT basis the return on assets of Bemobi Mobile Tech S.A is 7.0% (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.
What is the operating margin of Bemobi Mobile Tech S.A (BMOB3)?
The operating margin of Bemobi Mobile Tech S.A is 10.7% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bemobi Mobile Tech S.A (BMOB3)?
Revenue at Bemobi Mobile Tech S.A is growing +21.7% versus a year earlier (3y avg +4.8%). 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 Bemobi Mobile Tech S.A (BMOB3)?
Earnings per share at Bemobi Mobile Tech S.A are growing −1.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Bemobi Mobile Tech S.A (BMOB3) hold?
Bemobi Mobile Tech S.A holds more cash than debt, R$216M net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 3, 2026