As of Oct 6, 2026: fair value of BOCHGR €9.19, price €10.75, upside -14.5%, quality 75 out of 100. 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, dashed = 300-day average. As of Oct 4, 2026.
How to read this chart
24‑month range €3.50 – €10.99 · fair‑value band €6.59 – €12.75 · the €10.75 price screens above the €9.19 fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 4, 2026.
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BOCHGR (BOCHGR) currently trades at €10.75, while our model-based Fair Value estimate is €9.19, 14.5% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of €9.51 per share, and 2 of the 6 models we run sit above the €10.75 price.
Bear case: the Asset-Based group reads lowest at €4.50, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: €6.59 (bear) to €12.75 (bull), the price of €10.75 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 75/100 (high quality), in the Financials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
BOCHGR reported revenue of €1.0B in FY2025 versus €555M in FY2021, a compound +16.7%/yr. Reported net income was €481M in FY2025, compounding +100.5%/yr from FY2021. FY2021 was a trough year, so the rate overstates the trend.
Key figures
Market cap €4.7B · P/E ratio 9.4 · P/S ratio 4.40 · EPS (TTM) €1.14 · Dividend yield 6.9% · Net margin 46.7% · Return on equity 17.3% · Return on assets 1.8%.
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 2% below its 52-week high and 52% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financials peers we cover trades at 2% fair-value upside, at −15%, BOCHGR screens richer than that median.
Fair Value models
Bear €6.59Fair Value €9.19Bull €12.75
Price €10.75 · Upside -14.5%
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. Based on fiscal year 2025 figures (about 9 months old). Earnings retained since then (€0.3068 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.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.
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.94/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−5.8%
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.
+15.4%
’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.
+82.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year+75.3%
Dividend (yield on the price)6.9%
Growth Forecast
Little optimism in the price
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).
less than -40 %
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.
+3.4%
Yearly sales growth analysts expect, extended to five years.
After inflation (euro area: IMF forecast 2.2% a year to 2030, 2.6% from 2016 to 2025) that is about +1.2% a year for the forecasts.
Price, fair value, quality and upside side by side.
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Peer GroupⓘHow this stock ranks against its sector: the green marker is this stock, the band is the typical 25–75% peer range, and the tick is the median. (Industry “Banks” was too small, so the broader sector is used.)Financials · 3234 stocks
Beats the sector median on 8/12 measures
Overall it ranks above its sector peers.
Valuation
Quality Score75 · Top 25%
Fair Value upside−14.5% · Below median
Profitability
Return on equity (TTM)17.3% · Top 25%
Return on assets1.8% · Above median
Net margin (TTM)48.5% · Top 25%
Operating margin (TTM)60.1% · Top 25%
Growth and dividend
Revenue growth7.1% · Below median
Dividend yield (TTM)6.9% · Top 25%
Valuation Multiplesvs Financials 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). "BOCHGR Fair Value". https://www.fairvalue-calculator.com/stock/BOCHGR
Frequently asked questions
Is BOCHGR overvalued or undervalued?
As of Oct 4, 2026, our model estimates a fair value of €9.19 versus a price of €10.75, about −15% upside (overvalued).
What is the fair value of BOCHGR?
Our model-based fair value for BOCHGR is €9.19 (as of Oct 4, 2026), built from audited fundamentals. The current price: €10.75.
What is the quality score of BOCHGR?
BOCHGR has a Quality Score of 75/100. 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 BOCHGR?
Our model-based price target is the fair value of €9.19 (as of Oct 4, 2026) from 6 valuation models. Cautious scenario €6.59, optimistic scenario €12.75. It is a calculation from audited fundamentals, not an analyst target.
What is the BOCHGR stock forecast for 2026?
Our models put fair value at €9.19, about −15% upside versus a price of €10.75 (overvalued). Cautious scenario €6.59, optimistic scenario €12.75. The calculation is refreshed regularly with new filings.
What is the revenue of BOCHGR?
BOCHGR reported trailing-twelve-month revenue of about €1.0B (latest available figure, as of Oct 4, 2026).
Does BOCHGR pay a dividend?
BOCHGR currently shows a dividend yield of about 6.88% relative to its recent price (as of Oct 4, 2026).
What growth is priced into BOCHGR?
For today's price to be fair in a discounted-cash-flow model, BOCHGR would have to grow free cash flow by less than minus 40 % per year for five years (discount rate 10.9 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 4 years revenue grew +16.7 % per year. As of Oct 4, 2026.
What discount rate (WACC) does the fair value of BOCHGR use?
Our models discount BOCHGR at 10.9 %: a base by market capitalisation (mid), damped by beta 0.45, country premium for Greece. 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 BOCHGR that is less than minus 40 % per year a year over ten years, using the same discount rate (10.9 %) and the same formula as our fair value.
How much growth has BOCHGR delivered so far?
Over the past 4 years revenue at BOCHGR grew +16.7 % a year. The price currently implies less than minus 40 % per year free-cash-flow growth a 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.
What is the free cash flow yield of BOCHGR?
The free-cash-flow yield on the price is 35.78 %: that much free cash flow BOCHGR produces per unit of market value. When it exceeds the discount rate of our models (10.9 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of BOCHGR?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BOCHGR it is €9.19 per share (as of Oct 4, 2026), against a price of €10.75. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is BOCHGR stock overvalued or undervalued in 2026?
As of Oct 4, 2026, BOCHGR trades above its calculated fair value: price €10.75, fair value €9.19, a gap of about −15% (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 BOCHGR?
No. The price is what the market pays today (€10.75); the fair value is what the company's own numbers justify (€9.19). For BOCHGR the two are €1.56 per share apart. That gap is exactly why we show both numbers side by side.
How much is BOCHGR worth?
The market values BOCHGR at about €4.7B (market capitalisation, as of Oct 4, 2026). Per share that is €10.75; our models calculate a fair value of €9.19 per share.
What do the bullish and bearish scenarios say about BOCHGR?
Our models span a range for BOCHGR: cautious scenario €6.59, base €9.19, optimistic €12.75 per share (as of Oct 4, 2026, price €10.75). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BOCHGR?
BOCHGR trades at a price-to-earnings ratio of 9.4 (as of Oct 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of €9.19 is built from several models across several years. Other multiples: P/B 1.6, P/S 4.6.
How solid is the balance sheet of BOCHGR?
Balance-sheet figures for BOCHGR (as of Oct 4, 2026): return on equity 17.3%. They feed the Quality Score of 75/100, which measures business quality independently of the share price.
How far is BOCHGR from its 52-week high?
BOCHGR trades at €10.75, about 2% below its 52-week high of €10.99 and 52% above the low of €7.07 (as of Oct 6, 2026). Distance from the high says nothing about value: that is what the fair value of €9.19 is for.
Which stocks are comparable to BOCHGR?
From the same area (Financials) we also value Federal Home Loan Mortgage Corporation, CGABL, NSDL, LTG, 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 BOCHGR stock attractive at the current price?
The data as of Oct 4, 2026: price €10.75, calculated fair value €9.19 (−15%), Quality Score 75/100, from 6 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 BOCHGR calculated?
We run BOCHGR through 6 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 €9.19, 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 15.4 % above its aggregate fair value. BOCHGR 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 BOCHGR?
The closing price on Oct 6, 2026 was €10.75. Our model-based fair value is €9.19, about −15% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BOCHGR right now?
A fairly wide model range (€6.59 to €12.75) leaves room in how you read the outcome. 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 BOCHGR
How large is the market capitalisation of BOCHGR?
The market capitalisation of BOCHGR is €4.7B. 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 BOCHGR?
The price-to-sales ratio of BOCHGR is 4.40 (P/E × margin). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of BOCHGR?
Earnings per share at BOCHGR are €1.14 (price ÷ EPS = P/E 9.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of BOCHGR?
The dividend yield of BOCHGR is 6.9% (payout 64.9%). 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 BOCHGR?
The net margin of BOCHGR is 46.7% (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 BOCHGR?
The return on equity (ROE) of BOCHGR is 17.3% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of BOCHGR?
The return on assets (ROA) of BOCHGR is 1.8% (last twelve months). Profit relative to everything the company owns. Harder to inflate than return on equity because debt does not boost it.
What is the operating margin of BOCHGR?
The operating margin of BOCHGR is 60.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BOCHGR?
Revenue at BOCHGR is growing +7.1% versus a year earlier (3y avg +15.4%). 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 BOCHGR?
Earnings per share at BOCHGR are growing +11.9% versus a year earlier. How much earnings per share grew versus a year earlier.
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