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BRD Groupe Societe Generale SA (BRD) fair value: what the stock is really worth

As of Nov 6, 2026: fair value (intrinsic value) of BRD Groupe Societe Generale SA stock RON 16.75, price RON 30.90, that is 45.8% below the price, quality 62 out of 100. Rating: strongly overvalued. Calculated from audited financials with 6 of our 26 valuation models and 37 quality factors, updated daily.

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Financial Services RO · ISIN ROBRDBACNOR2

BG BRD Groupe Societe Generale SA logo Some data Nov 5, 2026

BRD Groupe Societe Generale SA

BRD · RO
Solid, but very expensive

Our calculation puts a fair price 46% below what the stock costs today.

Quality 62/100
Healthy Growth (revenue 5y +7.0 %/yr in RON)
Highly profitable · 37.6% net margin (TTM)
3.5% dividend yield · Low payout
Upbeat coverage
Mixed vs. peers (6/12)
Wide moat 73/100 · thin data
Some data
Fair value 16.75 RON · Strongly overvalued
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

39.00 RON 8.95 RON Fair Value 16.75 RON Jul 2021 Nov 2026

White line = price, green steps = our fair value per fiscal year. As of Nov 5, 2026.

How to read this chart

60‑month range 8.95 RON – 39.00 RON · fair‑value band 14.14 RON – 22.37 RON · the 30.90 RON price screens above the 16.75 RON fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 5, 2026.

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Company profile

BRD - Groupe Société Générale S.A. provides a range of banking and financial services to corporates and individuals in Romania. It operates in Retail and Non-Retail segments.

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The company offers savings, deposits, and current accounts; term deposits; personal, housing, youth, refinancing, and investment loans, as well as agriculture loans; credit and debit cards; and transfer, investments and insurance services.

It also offers card processing, and cash collection services; global transaction banking; corporate loans; mergers and acquisitions; treasury; and securities services.

In addition, the company provides internet and mobile banking, payments, and custody; letter of guarantee; financing; and foreign exchange services. The company was founded in 1990 and is based in Bucharest, Romania.

BRD - Groupe Société Générale S.A. operates as a subsidiary of Société Générale Société anonyme.

Stock analysis

BRD Groupe Societe Generale SA (BRD) currently trades at 30.90 RON, while our model-based Fair Value estimate is 16.75 RON, 46% below the price, so the stock looks overvalued today.

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Valuation

Bull case: the Multiples group reads highest at a median of 24.30 RON per share, and 0 of the 6 models we run sit above the 30.90 RON price.

Bear case: the Asset-Based group reads lowest at 9.46 RON, and 6 of the 6 models stay below the price. Data coverage for this calculation is medium.

Scenario range: 14.14 RON (bear) to 22.37 RON (bull), the price of 30.90 RON sits above 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 62/100 (solid quality), in the Financial Services sector.

Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.

BRD Groupe Societe Generale SA reported revenue of 4.3B RON in FY2025 versus 3.1B RON in FY2021, a compound +8.9%/yr. Reported net income was 1.5B RON in FY2025, compounding +4.2%/yr from FY2021.

Key figures

Market cap 21.5B RON (≈ $4.5B) Mid · P/E ratio 14.0 · P/S ratio 5.17 · EPS (TTM) 2.21 RON · Dividend yield 3.5% · Net margin 37.6% · Return on equity 15.0% · Return on assets 1.6%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 73 out of 100 (low confidence).

What moves the price

The share trades about 21% below its 52-week high and 51% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Financial Services peers we cover trades at −28% fair-value upside, at −46%, BRD screens richer than that median.

Fair Value models

Bear 14.14 RON Fair Value 16.75 RON Bull 22.37 RON
Price 30.90 RON · Downside -45.8%
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 12 months old). Earnings retained since then (1.14 RON 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.
Best data coverage
Residual Income 14.14 RON 16.75 RON 22.37 RON 76
Gordon GGM 8.13 RON 14.54 RON 19.88 RON 68
DDM Multi-Stage 8.13 RON 12.89 RON 15.54 RON 67
All 6 models by family
Dividend Discount
Gordon GGM 8.13 RON 14.54 RON 19.88 RON 68
DDM Multi-Stage 8.13 RON 12.89 RON 15.54 RON 67
Multiples
P/E Multiple 21.63 RON 28.83 RON 36.04 RON 63
P/B Multiple 14.82 RON 19.76 RON 24.70 RON 55
Asset-Based
NCAV (Graham) 7.06 RON 9.46 RON 14.11 RON 51
Economic Profit
Residual Income 14.14 RON 16.75 RON 22.37 RON 76

Open the full fair value analysis →

Quality Score breakdown

Overall quality 62/100

It rates the business: profits, how they develop, real cash, balance sheet, investing and share count.

Profitability 46
How much profit the company makes from its sales and capital
Quality Growth 47
Are margins and returns getting better?
Cashflow 88
Do the profits arrive as real cash?
Financial strength 42
Debt, balance sheet and risk of trouble
Investment 50
Does it invest with discipline instead of growing at any price?
Low Volatility 78
How calm the share price moves, does not count
Price momentum 54
Price momentum of the last 3 to 12 months, does not count
Near the 52-week high 71
Distance to the 52-week high, does not count
New shares 82
Buys back shares or issues new ones?

Open the full quality analysis →

Revenue & earnings trend

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. 84/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+7.7%
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.
+7.9%
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.
+7.0%
Start year 2020 (pandemic)
Revenue growth 6 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%
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.
+6.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.4%
Dividend (yield on the price)3.5%

BRD screens overvalued: fair value 46% below the price. Compare with China Merchants Bank Co →

Recent news

News mood ⓘNews mood, the average tone of recent news (5 articles), rated against how stocks are usually covered. 🚀 Hype = unusually upbeat · 🙂 Positive = above average · 😐 Neutral = typical · 🙁 Negative = below average · 😨 Very negative = unusually downbeat. It reflects the tone of coverage, not our valuation. Hype
Recent news coverage is unusually upbeat, far more positive than stocks are typically covered.

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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 · 996 stocks

Beats the industry median on 6/12 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 62 · Top 25%
Fair Value upside −45.8% · Bottom 25%
Profitability
Return on equity (12 months) 15.0% · Top 25%
Return on assets 1.6% · Top 25%
Net margin (12 months) 37.6% · Above median
Operating margin (12 months) 47.3% · Above median
Growth and dividend
Revenue growth (quarter YoY) 0.2% · Bottom 25%
Dividend yield (12 months) 3.5% · Above median

Valuation Multiplesvs Banks - Regional median · lower = cheaper

P/E (12 months) 14.0× · Pricier than median
P/B 2.04× · Priciest 25%
P/S (12 months) 5.17× · Priciest 25%
Price / free cash flow (fiscal year) 11.0× · Pricier than median

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)0 · sector 8
FUTURE (revenue growth)1 · sector 47
PAST (return on equity)60 · sector 43
HEALTH (low debt)–
DIVIDEND (yield)70 · sector 53

VALUE 0: the price sits above our fair-value range.

HEALTH: for banks, insurers and similar financial firms borrowed money is part of the business, so we do not rate debt here.

Context: sector, industry, market

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

Similar stocks

10 more Banks - Regional stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value Compare
Postal Savings Bank of China Co 601658 ¥5.53 ¥7.59 +37% vs BRD
China Merchants Bank Co 600036 ¥42.88 ¥52.73 +23% vs BRD
BNP Paribas SA BNP €91.93 €106.01 +15% vs BRD
Intesa Sanpaolo S.p.A ISP €6.18 €4.49 −27% vs BRD
State Bank of India SBIN ₹1,019 ₹736.65 −28% vs BRD
UniCredit S.p.A UCG €76.80 €50.44 −34% vs BRD
Mizuho Financial Group MFG $9.40 $5.89 −37% vs BRD
DBS Group D05 69.72 SGD 40.39 SGD −42% vs BRD
HDFC Bank Limited HDFCBANK ₹788.25 ₹406.39 −48% vs BRD
ICICI Bank Limited ICICIBANK ₹1,571 ₹615.63 −61% vs BRD

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Cite: Fair Value Calculator (2026). "BRD Groupe Societe Generale SA Fair Value". https://www.fairvalue-calculator.com/stock/BRD

Frequently asked questions

Is BRD Groupe Societe Generale SA (BRD) overvalued or undervalued?
As of Nov 5, 2026, our model estimates a fair value of 16.75 RON versus a price of 30.90 RON, about 46% lower (overvalued).
What is the fair value of BRD?
Our model-based fair value for BRD Groupe Societe Generale SA is 16.75 RON (as of Nov 5, 2026), built from audited fundamentals. The current price: 30.90 RON.
What is the quality score of BRD?
BRD Groupe Societe Generale SA has a Quality Score of 62/100. 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 BRD Groupe Societe Generale SA (BRD)?
Our model-based price target is the fair value of 16.75 RON (as of Nov 5, 2026) from 6 valuation models. Cautious scenario 14.14 RON, optimistic scenario 22.37 RON. It is a calculation from audited fundamentals, not an analyst target.
What is the BRD Groupe Societe Generale SA stock forecast for 2026?
Our models put fair value at 16.75 RON, about 46% lower versus a price of 30.90 RON (overvalued). Cautious scenario 14.14 RON, optimistic scenario 22.37 RON. The calculation is refreshed regularly with new filings.
What is the revenue of BRD Groupe Societe Generale SA (BRD)?
BRD Groupe Societe Generale SA reported trailing-twelve-month revenue of about 4.2B RON (latest available figure, as of Nov 5, 2026).
Does BRD Groupe Societe Generale SA pay a dividend?
BRD Groupe Societe Generale SA currently shows a dividend yield of 3.48% relative to its recent price (as of Nov 5, 2026).
How much is the dividend of BRD Groupe Societe Generale SA (BRD) and when is the ex-dividend date?
BRD Groupe Societe Generale SA pays a dividend of 1.08 RON per share a year, a dividend yield of 3.5%. The last ex-dividend date was May 18, 2026. The payout ratio is 48.6% of earnings. Our assessment: Low payout. A low payout ratio: the dividend takes at most 60 % of earnings. Whether free cash flow covers it as well, we cannot see for this company.
What is the intrinsic value of BRD Groupe Societe Generale SA (BRD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For BRD Groupe Societe Generale SA it is 16.75 RON per share (as of Nov 5, 2026), against a price of 30.90 RON. It is the blended result of 6 valuation models in 4 families (Dividend Discount, Multiples, Asset-Based, Economic Profit).
Is BRD Groupe Societe Generale SA stock overvalued or undervalued in 2026?
As of Nov 5, 2026, BRD trades above its calculated fair value: price 30.90 RON, fair value 16.75 RON, a gap of about −46% (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 BRD?
No. The price is what the market pays today (30.90 RON); the fair value is what the company's own numbers justify (16.75 RON). For BRD Groupe Societe Generale SA the two are 14.15 RON per share apart. That gap is exactly why we show both numbers side by side.
How much is BRD Groupe Societe Generale SA worth?
The market values BRD Groupe Societe Generale SA at about 21.5B RON (market capitalisation, as of Nov 5, 2026). Per share that is 30.90 RON; our models calculate a fair value of 16.75 RON per share.
What do the bullish and bearish scenarios say about BRD?
Our models span a range for BRD Groupe Societe Generale SA: cautious scenario 14.14 RON, base 16.75 RON, optimistic 22.37 RON per share (as of Nov 5, 2026, price 30.90 RON). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BRD?
BRD Groupe Societe Generale SA trades at a price-to-earnings ratio of 14.0 (as of Nov 5, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 16.75 RON is built from several models across several years. Median P/E at fiscal year-end, 7 fiscal years (2019 to 2025), reported earnings: 9.3. Other multiples: P/B 2.0, P/S 5.2.
How solid is the balance sheet of BRD Groupe Societe Generale SA (BRD)?
Balance-sheet figures for BRD Groupe Societe Generale SA (as of Nov 5, 2026): return on equity 15.0%. They feed the Quality Score of 62/100, which measures business quality independently of the share price.
How far is BRD from its 52-week high?
BRD Groupe Societe Generale SA trades at 30.90 RON, about 21% below its 52-week high of 39.00 RON and 51% above the low of 20.47 RON (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 16.75 RON is for.
Which stocks are comparable to BRD Groupe Societe Generale SA?
From the same area (Financial Services) we also value China Merchants Bank Co, DBS Group, UniCredit S.p.A, Mizuho Financial 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 BRD Groupe Societe Generale SA stock attractive at the current price?
The data as of Nov 5, 2026: price 30.90 RON, calculated fair value 16.75 RON (−46%), Quality Score 62/100, 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 BRD calculated?
We run BRD Groupe Societe Generale SA through 6 models from 4 families: Dividend Discount, Multiples, Asset-Based, Economic Profit. Every model gets the same audited fundamentals; the fair value of 16.75 RON 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. BRD Groupe Societe Generale 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 BRD Groupe Societe Generale SA (BRD)?
The closing price on Nov 6, 2026 was 30.90 RON. Our model-based fair value is 16.75 RON, about 46% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with BRD Groupe Societe Generale SA right now?
The price sits above even our optimistic bull case (22.37 RON). The favourable scenario is already priced in. Solid but not exceptional quality (62/100) 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 BRD Groupe Societe Generale SA

How large is the market capitalisation of BRD Groupe Societe Generale SA (BRD)?
The market capitalisation of BRD Groupe Societe Generale SA is 21.5B RON (≈ $4.5B). 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 BRD Groupe Societe Generale SA (BRD)?
The price-to-sales ratio of BRD Groupe Societe Generale SA is 5.17 (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 BRD Groupe Societe Generale SA (BRD)?
Earnings per share at BRD Groupe Societe Generale SA are 2.21 RON (price ÷ EPS = P/E 14.0). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of BRD Groupe Societe Generale SA (BRD)?
The dividend yield of BRD Groupe Societe Generale SA is 3.5% (payout 48.6%). 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 BRD Groupe Societe Generale SA (BRD)?
The net margin of BRD Groupe Societe Generale SA is 37.6% (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 BRD Groupe Societe Generale SA (BRD)?
The return on equity (ROE) of BRD Groupe Societe Generale SA is 15.0% (last twelve months). Profit relative to shareholders' equity, how efficiently the company works with its owners' money.
What is the return on assets of BRD Groupe Societe Generale SA (BRD)?
The return on assets (ROA) of BRD Groupe Societe Generale SA is 1.6% (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 BRD Groupe Societe Generale SA (BRD)?
The operating margin of BRD Groupe Societe Generale SA is 47.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at BRD Groupe Societe Generale SA (BRD)?
Revenue at BRD Groupe Societe Generale SA is growing +0.2% versus a year earlier (3y avg +7.9%). 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 BRD Groupe Societe Generale SA (BRD)?
Earnings per share at BRD Groupe Societe Generale SA are growing −0.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does BRD Groupe Societe Generale SA (BRD) generate?
The free cash flow of BRD Groupe Societe Generale SA is 2.0B RON (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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