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Bemobi Mobile Tech S.A (BMOB3) Fair Value & Analysis

Communication Services · BR · Market cap R$1.9B

BM Bemobi Mobile Tech S.A BMOB3 · SA
PriceR$22.85
Fair ValueR$31.99
Upside+40.0%
Quality65/100
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Mixed Growth
Thin margins · 8.9% net margin
Low debt · generates free cash flow
Ranks above peers (9/14)
Moderate moat 51/100
Evidence: High Range R$20.51 – R$39.98 Share as image

Fair value as of: Jul 15, 2026

From 26 valuation models · updated 26 days ago

Fair value updated Jul 15, 2026, revised from R$32.65 to R$31.99 (−2.0%) since Jun 24, 2026. Share price −0.4% over the past month.

A solid business, screening 40% undervalued on our models.

What matters 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$20.51 to R$39.98) leaves room in how you read the outcome.
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Price vs Fair Value (5 years)

R$28.16 R$8.59 Fair Value R$31.99 May 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 15, 2026.

How to read this chart

60‑month range R$8.59 – R$28.16 · fair‑value band R$20.51 – R$39.98 · the R$22.85 price screens below the R$31.99 fair value. Dashed = 300-day average. As of Jul 15, 2026.

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Analysis

Bemobi Mobile Tech S.A (BMOB3) currently trades at R$22.85, while our model-based Fair Value estimate is R$31.99, implying the stock looks roughly 40.0% undervalued today. The Quality Score stands at 65/100 (solid quality), in the Communication Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, Bemobi Mobile Tech S.A generated revenue of R$1.8B at a net margin of 8.9%. Revenue grew 24.6% year over year. It earns a return on equity of 15.6%. The balance sheet holds a net cash position of R$216M. Fundamentals as of Jul 15, 2026

Our scenario range runs from R$20.51 (bear case) to R$39.98 (bull case); at R$22.85, 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 20% below its 52-week high and 34% above its 52-week low, currently below its 200-day average. For context, the median of 10 Communication Services peers we cover trades at -52% fair-value upside, at 40%, BMOB3 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.

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
Highest evidence
Growth DCF R$12.01 R$18.82 R$29.51 80
Residual Income R$11.19 R$13.55 R$23.94 76
Rev-Margin DCF R$19.11 R$33.74 R$64.21 74
All 26 models by family
DCF Models
FCF DCF R$12.64 R$17.23 R$30.93 38
Owner Earnings R$28.60 R$56.42 R$108.04 31
5Y Revenue Exit R$17.47 R$29.86 R$55.92 39
5Y EBITDA Exit R$21.76 R$38.52 R$71.46 41
5Y P/E Exit R$27.31 R$62.05 R$110.11 38
10Y Revenue Exit R$15.32 R$33.51 R$46.05 36
10Y EBITDA Exit R$18.78 R$41.93 R$83.38 37
10Y P/E Exit R$22.48 R$52.82 R$104.18 35
Earnings-Based
Graham-Dodd R$12.79 R$89.23 R$125.22 54
Lynch FV R$45.15 R$64.50 R$83.85 50
PEG = 1.0 R$45.15 R$64.50 R$83.85 46
EPV R$12.88 R$14.27 R$15.44 59
Dividend Discount
Gordon GGM R$24.77 R$44.63 R$61.44 70
DDM Multi-Stage R$24.77 R$40.77 R$47.68 61
Multiples
P/E Multiple R$31.05 R$41.40 R$51.74 63
P/S Multiple R$23.99 R$31.99 R$39.98 58
P/B Multiple R$23.99 R$31.99 R$39.98 55
EV/EBIT R$23.35 R$30.24 R$37.14 53
EV/EBITDA R$25.68 R$33.35 R$41.02 54
EV/Revenue R$18.35 R$25.07 R$31.79 43
Asset-Based
NCAV (Graham) R$5.73 R$7.68 R$11.47 50
Growth DCF
Growth DCF R$12.01 R$18.82 R$29.51 80
Rev-Margin DCF R$19.11 R$33.74 R$64.21 74
Economic Profit
Residual Income R$11.19 R$13.55 R$23.94 76
ROIC Compounder R$14.32 R$18.25 R$21.39 72
Growth Earnings
Growth-Adj P/E R$60.17 R$85.96 R$111.75 68

Widest divergence: Growth Earnings (R$85.96) versus Asset-Based (R$7.68). Highest evidence: Growth DCF (80).

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Key figures & financial health

Revenue (TTM) R$1.8B
Revenue growth (YoY) +24.6%
Net margin 8.9%
Return on equity 15.6%
Free cash flow R$61.0M FY2025
P/E ratio 12.7
More key figures
Operating margin 10.0%
EPS (TTM) R$1.84
EPS growth (YoY) +8.5%
Net cash R$216M FY2025

Figures from reported company fundamentals · as of Jul 15, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 65/100

Of which business quality 63 · Market factors (momentum, volatility) 55

Profitability 54
Margins and returns on capital today
Quality Growth 57
Are margins and returns improving?
Cashflow 27
Earnings quality: real cash, not paper profit
Fin. Strength 83
Balance sheet, leverage, solvency risk
Investment 79
Disciplined investing over empire-building
Low Volatility 77
Calm price path (market factor)
Momentum 42
Price trend over the last 3–12 months (market factor)
52W Momentum 54
Distance to the 52-week high (market factor)
Net Issuance 96
Buybacks instead of dilution

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

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.

Full company description

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. 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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

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.

Growth Quality 81/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
R$1.7B
Latest YoY
+13.2%
Avg. growth/yr (3Y) 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.
+4.8%
Avg. growth/yr (5Y) 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.
+58.1%
Avg. growth/yr (9Y) 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.
+32.6%
Revenue +36.5%/yr
FY21 R$489M
FY22 R$1.5B
FY23 R$1.3B
FY24 R$1.5B
FY25 R$1.7B
Net income +20.1%/yr
FY21 R$75.3M
FY22 R$85.6M
FY23 R$86.6M
FY24 R$119M
FY25 R$157M

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Cite: Fair Value Calculator (2026). "Bemobi Mobile Tech S.A Fair Value". https://www.fairvalue-calculator.com/stock/BMOB3

Peer Group

Entertainment · 265 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.

Quality Score 65 · Top 25%
Fair Value upside +40% · Top 25%
Return on equity (TTM) 16% · Top 25%
Return on assets 5% · Top 25%
Net margin (TTM) 9% · Top 25%
Operating margin (TTM) 10% · Above median
Revenue growth 25% · Top 25%
Dividend yield (TTM) 0.0% · Bottom 25%
Debt / equity 0.02× · Lower than median

Valuation Multiples vs Entertainment median · lower = cheaper

P/E (TTM) 12.7× · Cheaper than median
P/B 2.03× · Pricier than median
P/S (TTM) 1.08× · Pricier than median
P/FCF 6.2× · Pricier than median
EV/EBITDA 10.7× · Pricier than median

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.

VALUE 87 · sector 6
FUTURE 100 · sector 10
PAST 62 · sector 0
HEALTH 99 · sector 97
DIVIDEND 0 · sector 44

Insider activity: 40/100

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

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Entertainment stocks, each showing price versus our Fair Value estimate (as of Jul 15, 2026).

Stock Price Fair Value vs Fair Value
Netflix, Inc ZNFL C$6.77 C$2.96 -56%
The Walt Disney Company DIS $96.30 $89.55 -7%
Warner Bros. Discovery, Inc WBD $26.87 $9.13 -66%
Live Nation Entertainment, Inc LYV $178.44 $46.89 -74%
Universal Music Group UMG €18.91 €14.78 -22%
TKO Group TKO $184.40 $22.16 -88%
Empresas Cablevisión, S.A. CABLECPO 55.00 MXN 60.49 MXN +10%
Beijing Enlight Media Co 300251 ¥11.77 ¥10.97 -7%
PT MNC Digital Entertainment Tbk, MSIN 456.00 IDR 221.09 IDR -52%
Prime Focus Limited PFOCUS ₹298.25 ₹63.45 -79%

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Frequently asked questions

Is Bemobi Mobile Tech S.A (BMOB3) overvalued or undervalued?
As of Jul 15, 2026, our model estimates a fair value of R$31.99 versus a price of R$22.85, about +40% (undervalued).
What is the fair value of BMOB3?
Our model-based fair value for Bemobi Mobile Tech S.A is R$31.99 (as of Jul 15, 2026), built from audited fundamentals. The current price is R$22.85.
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 revenue of Bemobi Mobile Tech S.A (BMOB3)?
Bemobi Mobile Tech S.A reported trailing-twelve-month revenue of about R$1.8B (latest available figure, as of Jul 15, 2026).
What is the net profit margin of BMOB3?
The net profit margin of Bemobi Mobile Tech S.A is about 8.9%, meaning it keeps roughly 8.9% of revenue as net income. Based on the latest reported figures.

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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