Bank Ochrony Środowiska SA (BOS) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Bank Ochrony Środowiska SA PLN 19.61, price PLN 10.24, upside +91.5%, quality 57 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Sep 24, 2026.
How to read this chart
60‑month range 6.31 PLN – 17.54 PLN · fair‑value band 14.71 PLN – 24.52 PLN · the 10.24 PLN price screens below the 19.61 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Bank Ochrony Srodowiska S.A. provides various banking products and services in Poland. It offers broker, leasing, RES consultancy, arrangement of debt finance, financial, M and A, business, and technical consultancy services. The company also engages in wind farm development and environmental protection activities.
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Bank Ochrony Srodowiska S.A. provides various banking products and services in Poland. It offers broker, leasing, RES consultancy, arrangement of debt finance, financial, M and A, business, and technical consultancy services. The company also engages in wind farm development and environmental protection activities. In addition, it provides personal accounts; ECO and mortgage loans Bank; cash products; deposit and saving accounts; electronic and telephone banking services; and insurance for cash loans. Ochrony Srodowiska S.A. was founded in 1990 and is based in Warsaw, Poland.
Stock analysis
Bank Ochrony Środowiska SA (BOS) currently trades at 10.24 PLN, while our model-based Fair Value estimate is 19.61 PLN, implying the stock looks roughly 47.8% undervalued today.
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Valuation
Bull case: the Economic Profit group reads highest at a median of 17.62 PLN per share, and 4 of the 4 models we run sit above the 10.24 PLN price.
Bear case: the Multiples group reads lowest at 17.42 PLN, and 0 of the 4 models stay below the price. Evidence for this calculation is medium.
Scenario range: 14.71 PLN (bear) to 24.52 PLN (bull), the price of 10.24 PLN sits below 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 57/100 (solid quality), in the Financial Services sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Bank Ochrony Środowiska SA reported revenue of 1.1B PLN in FY2025 versus 644M PLN in FY2021, a compound +13.3%/yr. Reported net income was 125M PLN in FY2025, compounding +27.3%/yr from FY2021.
Key figures
Market cap 951M PLN (≈ $247M) · P/E ratio 4.9 · P/S ratio 0.58 · EPS (TTM) 2.09 PLN · Net margin 11.7% · Return on equity 5.6% · Return on assets (EBIT) 1.5% · Operating margin 12.6%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 48 out of 100 (low confidence).
What moves the price
The share trades about 17% below its 52-week high and 7% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −37% fair-value upside, at 92%, BOS screens cheaper than that median.
Fair Value models
Bear 14.71 PLNFair Value 19.61 PLNBull 24.52 PLN
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 (1.53 PLN 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.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.89/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−36.9%
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.
+2.5%
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.
+31.4%
Start year 2020 (pandemic). Over 10 years: +7.9% a year
Revenue growth 20 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.
+6.3%
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What shareholders gained per year (last 5 years) (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.
+22.4%
Earnings growth per share plus dividend.
Earnings per share, growth per year+22.4%
Dividend (yield on the price)0.0%
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.16% vs −7%, 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.−106% → 13%
2025 sits 56% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
⚠ Revenue per share shrinking 6.5%/yr over ~10Y (margins eroding too) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Compare Bank Ochrony Środowiska SA with another stock
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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.Banks - Regional · 1076 stocks
Beats the industry median on 8/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score64 · Top 25%
Fair Value upside+90% · Top 25%
Profitability
Return on equity (TTM)6% · Bottom 25%
Return on assets1% · Bottom 25%
Net margin (TTM)12% · Bottom 25%
Operating margin (TTM)13% · Bottom 25%
Growth and dividend
Revenue growth14% · Above median
Balance sheet
Debt / equity0.15× · Below median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
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Cite: Fair Value Calculator (2026). "Bank Ochrony Środowiska SA Fair Value". https://www.fairvalue-calculator.com/stock/BOS
Frequently asked questions
Is Bank Ochrony Środowiska SA (BOS) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 19.61 PLN versus a price of 10.24 PLN, about +92% upside (undervalued).
What is the fair value of BOS?
Our model-based fair value for Bank Ochrony Środowiska SA is 19.61 PLN (as of Sep 24, 2026), built from audited fundamentals. The current price: 10.24 PLN.
What is the quality score of BOS?
Bank Ochrony Środowiska SA has a Quality Score of 57/100. 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 Bank Ochrony Środowiska SA (BOS)?
Our model-based price target is the fair value of 19.61 PLN (as of Sep 24, 2026) from 4 valuation models. Cautious scenario 14.71 PLN, optimistic scenario 24.52 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Bank Ochrony Środowiska SA stock forecast for 2026?
Our models put fair value at 19.61 PLN, about +92% upside versus a price of 10.24 PLN (undervalued). Cautious scenario 14.71 PLN, optimistic scenario 24.52 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Bank Ochrony Środowiska SA (BOS)?
Bank Ochrony Środowiska SA reported trailing-twelve-month revenue of about 1.1B PLN (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Bank Ochrony Środowiska SA (BOS)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Bank Ochrony Środowiska SA it is 19.61 PLN per share (as of Sep 24, 2026), against a price of 10.24 PLN. It is the blended result of 4 valuation models (cash flow, earnings, asset, dividend).
Is Bank Ochrony Środowiska SA stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BOS trades below its calculated fair value: price 10.24 PLN, fair value 19.61 PLN, a gap of about +92% (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 BOS?
No. The price is what the market pays today (10.24 PLN); the fair value is what the company's own numbers justify (19.61 PLN). For Bank Ochrony Środowiska SA the two are 9.37 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Bank Ochrony Środowiska SA worth?
The market values Bank Ochrony Środowiska SA at about 951M PLN (market capitalisation, as of Sep 24, 2026). Per share that is 10.24 PLN; our models calculate a fair value of 19.61 PLN per share.
What do the bullish and bearish scenarios say about BOS?
Our models span a range for Bank Ochrony Środowiska SA: cautious scenario 14.71 PLN, base 19.61 PLN, optimistic 24.52 PLN per share (as of Sep 24, 2026, price 10.24 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BOS?
Bank Ochrony Środowiska SA trades at a price-to-earnings ratio of 4.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 19.61 PLN is built from several models across several years. Other multiples: P/B 0.1, P/S 0.2.
How solid is the balance sheet of Bank Ochrony Środowiska SA (BOS)?
Balance-sheet figures for Bank Ochrony Środowiska SA (as of Sep 24, 2026): return on equity 5.6%, debt of 0.15 per unit of equity. They feed the Quality Score of 57/100, which measures business quality independently of the share price.
How far is BOS from its 52-week high?
Bank Ochrony Środowiska SA trades at 10.24 PLN, about 17% below its 52-week high of 12.30 PLN and 7% above the low of 9.61 PLN (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 19.61 PLN is for.
Which stocks are comparable to Bank Ochrony Środowiska SA?
From the same area (Financial Services) we also value DBS Group, China Merchants Bank Co, Intesa Sanpaolo S.p.A, HDFC Bank Limited, 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 Bank Ochrony Środowiska SA stock attractive at the current price?
The data as of Sep 24, 2026: price 10.24 PLN, calculated fair value 19.61 PLN (+92%), Quality Score 57/100, from 4 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 BOS calculated?
We run Bank Ochrony Środowiska SA through 4 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 19.61 PLN, 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. Bank Ochrony Środowiska SA currently trades 92 % 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 Bank Ochrony Środowiska SA (BOS)?
The closing price on Sep 24, 2026 was 10.24 PLN. Our model-based fair value is 19.61 PLN, about +92% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Bank Ochrony Środowiska SA right now?
The price is below even our cautious bear case (14.71 PLN). The market is more pessimistic than our downside scenario. Solid quality (57/100) at a price below fair value, the discount is the argument here, not the business quality. 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 Bank Ochrony Środowiska SA
How large is the market capitalisation of Bank Ochrony Środowiska SA (BOS)?
The market capitalisation of Bank Ochrony Środowiska SA is 951M PLN (≈ $247M). 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 Bank Ochrony Środowiska SA (BOS)?
The price-to-sales ratio of Bank Ochrony Środowiska SA is 0.58 (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 Bank Ochrony Środowiska SA (BOS)?
Earnings per share at Bank Ochrony Środowiska SA are 2.09 PLN (price ÷ EPS = P/E 4.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Bank Ochrony Środowiska SA (BOS)?
The net margin of Bank Ochrony Środowiska SA is 11.7% (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 Bank Ochrony Środowiska SA (BOS)?
The return on equity (ROE) of Bank Ochrony Środowiska SA is 5.6% (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 Bank Ochrony Środowiska SA (BOS)?
On an EBIT basis the return on assets of Bank Ochrony Środowiska SA is 1.5% (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 Bank Ochrony Środowiska SA (BOS)?
The operating margin of Bank Ochrony Środowiska SA is 12.6% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Bank Ochrony Środowiska SA (BOS)?
Revenue at Bank Ochrony Środowiska SA is growing +14.4% versus a year earlier (3y avg +2.5%). 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 Bank Ochrony Środowiska SA (BOS)?
Earnings per share at Bank Ochrony Środowiska SA are growing +34.3% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Bank Ochrony Środowiska SA (BOS) generate?
The free cash flow of Bank Ochrony Środowiska SA is 522M PLN (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 Bank Ochrony Środowiska SA (BOS) hold?
Bank Ochrony Środowiska SA holds more cash than debt, 4.5B PLN net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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