BRD - Groupe Société Générale S.A (BRD) Fair Value & Analysis

Financial Services · RO · Market cap 21.0B RON

A solid business, screening 45% undervalued on our models.

What matters now

• The price is below even our cautious bear case (34.93 RON). The market is more pessimistic than our downside scenario.
• Solid quality (62/100) 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.

Price vs Fair Value (5 years)

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range 8.95 RON – 32.73 RON · fair‑value band 34.93 RON – 58.22 RON · the 32.05 RON price screens below the 46.58 RON fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 26, 2026.

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Analysis

BRD - Groupe Société Générale S.A (BRD) currently trades at 32.05 RON, while our model-based Fair Value estimate is 46.58 RON, implying the stock looks roughly 45.3% undervalued today. The Quality Score stands at 62/100 (solid quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: high), always confirm before acting.

Over the trailing twelve months, BRD - Groupe Société Générale S.A generated revenue of 4.1B RON at a net margin of 37.8%. Revenue grew 0.7% year over year. It earns a return on equity of 15.1%. The stock trades on a trailing P/E of 13.5. Fundamentals as of Jul 26, 2026

Our scenario range runs from 34.93 RON (bear case) to 58.22 RON (bull case); at 32.05 RON, the current price sits below that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 2% below its 52-week high and 84% above its 52-week low, currently above its 200-day average. For context, the median of 10 Financial Services peers we cover trades at 42% fair-value upside, at 45%, BRD screens cheaper than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Widest divergence: Multiples (37.71 RON) versus Asset-Based (10.17 RON). Highest evidence: Residual Income (76).

Key figures & financial health

Quality Score breakdown

About the company

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.

Full company description

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.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

BRD - Groupe Société Générale S.A 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.

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Peer Group

Banks - Regional · 1083 stocks

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.

Valuation Multiples vs Banks - Regional median · lower = cheaper

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

Insider activity: 40/100

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

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Frequently asked questions

How we calculate Fair Value

Each company is valued through a stack of independent intrinsic-value models (DCF variants, residual-income, multiples and more), blended into one family-balanced consensus and weighted by how much trustworthy data backs it. A separate quality layer scores the fundamentals. Every input is real reported data, nothing guessed.