Black Pearl SA (BPC) fair value: what the stock is really worth
We calculate from audited financials what Black Pearl SA is really worth. The fair value tells you whether the price is too high or too low, the quality score (0 to 100) how solid the business behind it is. 26 models, 37 quality factors, updated daily.
Valuation from Jun 23, 2026. With the latest figures (losses, negative cash flow), a fair value can no longer be calculated.
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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 Jun 23, 2026.
How to read this chart
60‑month range 0.0630 PLN – 56.89 PLN · the 0.0720 PLN price screens above the 0.0100 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jun 23, 2026.
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Black Pearl SA (BPC) currently trades at 0.0720 PLN, while our model-based Fair Value estimate is 0.0100 PLN, implying the stock looks roughly 619.9% overvalued today.
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Valuation
How firm this estimate is: it rests on 11 models at a data quality of 95/100, which puts the evidence level at low.
Quality & growth
The Quality Score stands at 63/100 (solid quality), in the Financials sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Black Pearl SA reported revenue of 8.4M PLN in FY2025 versus 373K PLN in FY2021, a compound +118.2%/yr. Reported net income was 54.1K PLN in FY2025, compounding −39.2%/yr from FY2021.
Key figures
Market cap 202M PLN (≈ $52.6M) · P/E ratio 39.2 · P/S ratio 0.25 · EPS (TTM) −0.6045 PLN · Net margin 0.6% · Return on equity −723% · Return on assets (EBIT) −25.5% · Free cash flow −31.1K PLN.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 52% below its 52-week high and 14% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Financials peers we cover trades at 100% fair-value upside, at −86%, BPC screens richer than that median.
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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.47/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+55.3%
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.
+79.8%
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.
+38.4%
’16
’20
’21
’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.
−32.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year−32.8%
Dividend (yield on the price)0.0%
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.247% → 1%
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 “Banking Services” was too small, so the broader sector is used.)Financials · 3332 stocks
Beats the sector median on 1/7 measures
Overall it trails its sector peers.
Valuation
Quality Score62 · Top 25%
Fair Value upside−86% · Bottom 25%
Profitability
Return on assets0% · Bottom 25%
Net margin (TTM)1% · Bottom 25%
Operating margin (TTM)0% · Bottom 25%
Growth and dividend
Revenue growth0% · Below median
Valuation Multiplesvs Financials median · lower = cheaper
P/E (TTM)39.2× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 21
FUTURE (revenue growth)0· sector 42
PAST (return on equity)0· sector 37
HEALTH (low debt)100· sector 87
DIVIDEND (yield)0· sector 58
VALUE 0: the price sits above our fair-value range.
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). "Black Pearl SA Fair Value". https://www.fairvalue-calculator.com/stock/BPC
Frequently asked questions
Is Black Pearl SA (BPC) overvalued or undervalued?
As of Jun 23, 2026, our model estimates a fair value of 0.0100 PLN versus a price of 0.0720 PLN, about −86% upside (overvalued).
What is the fair value of BPC?
Our model-based fair value for Black Pearl SA is 0.0100 PLN (as of Jun 23, 2026), built from audited fundamentals. The current price: 0.0720 PLN.
What is the quality score of BPC?
Black Pearl SA has a Quality Score of 63/100. 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 Black Pearl SA (BPC)?
Our model-based price target is the fair value of 0.0100 PLN (as of Jun 23, 2026) from 11 valuation models. It is a calculation from audited fundamentals, not an analyst target.
What is the Black Pearl SA stock forecast for 2026?
Our models put fair value at 0.0100 PLN, about −86% upside versus a price of 0.0720 PLN (overvalued). The calculation is refreshed regularly with new filings.
What is the intrinsic value of Black Pearl SA (BPC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Black Pearl SA it is 0.0100 PLN per share (as of Jun 23, 2026), against a price of 0.0720 PLN. It is the blended result of 11 valuation models (cash flow, earnings, asset, dividend).
Is Black Pearl SA stock overvalued or undervalued in 2026?
As of Jun 23, 2026, BPC trades above its calculated fair value: price 0.0720 PLN, fair value 0.0100 PLN, a gap of about −86% (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 BPC?
No. The price is what the market pays today (0.0720 PLN); the fair value is what the company's own numbers justify (0.0100 PLN). For Black Pearl SA the two are 0.0620 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Black Pearl SA worth?
The market values Black Pearl SA at about 202M PLN (market capitalisation, as of Jun 23, 2026). Per share that is 0.0720 PLN; our models calculate a fair value of 0.0100 PLN per share.
What is the P/E ratio of BPC?
Black Pearl SA trades at a price-to-earnings ratio of 39.2 (as of Jun 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.0100 PLN is built from several models across several years.
How far is BPC from its 52-week high?
Black Pearl SA trades at 0.0720 PLN, about 52% below its 52-week high of 0.1490 PLN and 14% above the low of 0.0630 PLN (as of Sep 18, 2026). Distance from the high says nothing about value: that is what the fair value of 0.0100 PLN is for.
Which stocks are comparable to Black Pearl SA?
From the same area (Financials) we also value Federal Home Loan Mortgage Corporation, LTG, FDC, 535789, 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 Black Pearl SA stock attractive at the current price?
The data as of Jun 23, 2026: price 0.0720 PLN, calculated fair value 0.0100 PLN (−86%), Quality Score 63/100, from 11 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 BPC calculated?
We run Black Pearl SA through 11 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 0.0100 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 14.1 % above its aggregate fair value. Black Pearl SA 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 Black Pearl SA (BPC)?
The closing price on Sep 18, 2026 was 0.0720 PLN. Our model-based fair value is 0.0100 PLN, about −86% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Black Pearl SA right now?
The price sits above even our optimistic bull case (0.0100 PLN). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (63/100) and above fair value, neither a clear bargain nor a standout compounder. 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 Black Pearl SA
How large is the market capitalisation of Black Pearl SA (BPC)?
The market capitalisation of Black Pearl SA is 202M PLN (≈ $52.6M). 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 Black Pearl SA (BPC)?
The price-to-sales ratio of Black Pearl SA is 0.25 (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 Black Pearl SA (BPC)?
Earnings per share at Black Pearl SA are −0.6045 PLN (price ÷ EPS = P/E 39.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Black Pearl SA (BPC)?
The net margin of Black Pearl SA is 0.6% (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 Black Pearl SA (BPC)?
The return on equity (ROE) of Black Pearl SA is −723% (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 Black Pearl SA (BPC)?
On an EBIT basis the return on assets of Black Pearl SA is −25.5% (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.
How much free cash flow does Black Pearl SA (BPC) generate?
The free cash flow of Black Pearl SA is −31.1K PLN (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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