BRD Groupe Societe Generale SA (BRD) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of BRD Groupe Societe Generale SA RON 16.47, price RON 30.50, upside -46.0%, quality 62 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 8.95 RON – 37.90 RON · fair‑value band 13.96 RON – 28.85 RON · the 30.50 RON price screens above the 16.47 RON 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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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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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. 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 30.50 RON, while our model-based Fair Value estimate is 16.47 RON, implying the stock looks roughly 85.2% overvalued today.
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Valuation
Bull case: the Multiples group reads highest at a median of 37.71 RON per share, and 2 of the 6 models we run sit above the 30.50 RON price.
Bear case: the Asset-Based group reads lowest at 10.17 RON, and 4 of the 6 models stay below the price. Evidence for this calculation is medium.
Scenario range: 13.96 RON (bear) to 28.85 RON (bull), the price of 30.50 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 21.3B RON (≈ $4.6B) · P/E ratio 13.6 · P/S ratio 4.84 · EPS (TTM) 2.24 RON · Dividend yield 3.5% · Net margin 35.6% · Return on equity 15.1% · Return on assets 1.7%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 54 out of 100 (low confidence).
What moves the price
The share trades about 20% below its 52-week high and 60% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −38% fair-value upside, at −46%, BRD screens richer than that median.
Fair Value models
Bear 13.96 RONFair Value 16.47 RONBull 28.85 RON
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 12 months old). Earnings retained since then (2.20 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.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.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%
’19
’20
’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.
+6.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+3.4%
Dividend (yield on the price)3.5%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far and less than analysts expect.
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).
−14.6%
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.
+5.3%
Yearly sales growth analysts expect, extended to five years.
After inflation (Romania: IMF forecast 4.3% a year to 2030, 5.2% from 2016 to 2025) that is about −18.1% a year for the price and +0.9% for the forecasts.
Compare BRD Groupe Societe Generale SA with another stock
Price, fair value, quality and upside side by side.
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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 · 1074 stocks
Beats the industry median on 9/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score61 · Top 25%
Fair Value upside−46% · Bottom 25%
Profitability
Return on equity (TTM)15% · Top 25%
Return on assets2% · Top 25%
Net margin (TTM)38% · Top 25%
Operating margin (TTM)45% · Above median
Growth and dividend
Revenue growth1% · Below median
Dividend yield (TTM)3.5% · Above median
Valuation Multiplesvs Banks - Regional median · lower = cheaper
P/E (TTM)13.6× · Pricier than median
P/B0.43× · Cheapest 25%
P/S (TTM)1.11× · Cheapest 25%
P/FCF2.3× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 11
FUTURE (revenue growth)4· sector 45
PAST (return on equity)60· sector 41
HEALTH (low debt)0· sector 85
DIVIDEND (yield)70· sector 53
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). "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 Sep 24, 2026, our model estimates a fair value of 16.47 RON versus a price of 30.50 RON, about −46% upside (overvalued).
What is the fair value of BRD?
Our model-based fair value for BRD Groupe Societe Generale SA is 16.47 RON (as of Sep 24, 2026), built from audited fundamentals. The current price: 30.50 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 16.47 RON (as of Sep 24, 2026) from 6 valuation models. Cautious scenario 13.96 RON, optimistic scenario 28.85 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 16.47 RON, about −46% upside versus a price of 30.50 RON (overvalued). Cautious scenario 13.96 RON, optimistic scenario 28.85 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 4.1B RON (latest available figure, as of Sep 24, 2026).
Does BRD Groupe Societe Generale SA pay a dividend?
BRD Groupe Societe Generale SA currently shows a dividend yield of about 3.51% relative to its recent price (as of Sep 24, 2026).
What growth is priced into BRD Groupe Societe Generale SA (BRD)?
For today's price to be fair in a discounted-cash-flow model, BRD Groupe Societe Generale SA would have to grow free cash flow by -14.6 % per year for five years (discount rate 11.5 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +7.0 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of BRD use?
Our models discount BRD Groupe Societe Generale SA at 11.5 %: a base by market capitalisation (mid), damped by beta 0.72, country premium for Romania. 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 BRD Groupe Societe Generale SA that is -14.6 % per year a year over ten years, using the same discount rate (11.5 %) and the same formula as our fair value.
How much growth has BRD Groupe Societe Generale SA (BRD) delivered so far?
Over the past 5 years revenue at BRD Groupe Societe Generale SA grew +7.0 % a year. The price currently implies -14.6 % 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.
How fast is the sector of BRD Groupe Societe Generale SA (BRD) growing?
The median revenue growth in the sector is +8.5 % a year. That is the yardstick for the growth priced into BRD Groupe Societe Generale SA (-14.6 % per year a year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of BRD Groupe Societe Generale SA (BRD)?
The free-cash-flow yield on the price is 9.20 %: that much free cash flow BRD Groupe Societe Generale SA produces per unit of market value. When it exceeds the discount rate of our models (11.5 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
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 16.47 RON per share (as of Sep 24, 2026), against a price of 30.50 RON. It is the blended result of 6 valuation models (cash flow, earnings, asset, dividend).
Is BRD Groupe Societe Generale SA stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BRD trades above its calculated fair value: price 30.50 RON, fair value 16.47 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 (30.50 RON); the fair value is what the company's own numbers justify (16.47 RON). For BRD Groupe Societe Generale SA the two are 14.03 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 21.3B RON (market capitalisation, as of Sep 24, 2026). Per share that is 30.50 RON; our models calculate a fair value of 16.47 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 13.96 RON, base 16.47 RON, optimistic 28.85 RON per share (as of Sep 24, 2026, price 30.50 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 13.6 (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 16.47 RON is built from several models across several years. Other multiples: P/B 0.4, P/S 1.1.
How solid is the balance sheet of BRD Groupe Societe Generale SA (BRD)?
Balance-sheet figures for BRD Groupe Societe Generale SA (as of Sep 24, 2026): return on equity 15.1%. 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 30.50 RON, about 20% below its 52-week high of 37.90 RON and 60% above the low of 19.02 RON (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 16.47 RON is for.
Which stocks are comparable to BRD Groupe Societe Generale 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 BRD Groupe Societe Generale SA stock attractive at the current price?
The data as of Sep 24, 2026: price 30.50 RON, calculated fair value 16.47 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 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 16.47 RON, 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. 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 Sep 23, 2026 was 30.50 RON. Our model-based fair value is 16.47 RON, about −46% upside (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 (28.85 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. A fairly wide model range (13.96 RON to 28.85 RON) 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 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 21.3B RON (≈ $4.6B). 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 4.84 (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 BRD Groupe Societe Generale SA (BRD)?
Earnings per share at BRD Groupe Societe Generale SA are 2.24 RON (price ÷ EPS = P/E 13.6). 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 47.8%). 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 35.6% (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 BRD Groupe Societe Generale SA (BRD)?
The return on equity (ROE) of BRD Groupe Societe Generale SA is 15.1% (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 1.7% (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 44.9% (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 +0.7% 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 +5.3% versus a year earlier. How much earnings per share grew versus a year earlier.
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