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

Financial Services · RO · Market cap 21.0B RON

BG BRD - Groupe Société Générale S.A BRD · RO
Price32.05 RON
Fair Value44.36 RON
Upside+38.4%
Quality70/100
Watch BRD - Groupe Société Générale S.A for free — get notified when fair value or trend changes. Watch for free
Evidence: High Range 33.27 RON – 55.45 RON

Fair value as of: Jun 26, 2026

From 20 valuation models · updated 7 days ago

Share price +5.6% over the past month.

Price vs Fair Value (12 months)

32.73 RON 17.69 RON Fair Value 44.36 RON Jun 2025 Jun 2026

12‑month range 17.69 RON – 32.73 RON · fair‑value band 33.27 RON – 55.45 RON · the 32.05 RON price screens below the 44.36 RON fair value. As of Jun 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 44.36 RON — implying the stock looks roughly 38.4% undervalued today. We read business quality at 70/100 (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 Jun 26, 2026

Key figures & financial health

Revenue (TTM) 4.1B RON
Revenue growth (YoY) +0.7%
Net margin 37.8%
Return on equity 15.1%
Free cash flow 2.0B RON FY2025
P/E ratio 13.5
More key figures
Operating margin 44.9%
EPS (TTM) 2.24 RON
EPS growth (YoY) +5.3%

Figures from reported company fundamentals (EODHD) · as of Jun 26, 2026. TTM = trailing twelve months.

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. 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.

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.

Revenue +8.9%/yr
FY21 3.1B RON
FY22 3.5B RON
FY23 3.8B RON
FY24 4.0B RON
FY25 4.3B RON
Net income +4.2%/yr
FY21 1.3B RON
FY22 1.3B RON
FY23 1.6B RON
FY24 1.5B RON
FY25 1.5B RON

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Frequently asked questions

Is BRD - Groupe Société Générale S.A (BRD) undervalued?
As of Jun 26, 2026, our model estimates a fair value of 44.36 RON versus a price of 32.05 RON — about +38% (undervalued). Model-based estimate, not financial advice.
What is the fair value of BRD?
Our model-based fair value for BRD - Groupe Société Générale S.A is 44.36 RON (as of Jun 26, 2026), built from audited fundamentals. The current price is 32.05 RON.
What is the quality score of BRD?
BRD - Groupe Société Générale S.A has a Quality Score of 70/100, measuring profitability, growth and balance-sheet strength from non-valuation factors.
What is the revenue of BRD - Groupe Société Générale S.A (BRD)?
BRD - Groupe Société Générale S.A reported trailing-twelve-month revenue of about 4.1B RON (latest available figure, as of Jun 26, 2026).
What is the net profit margin of BRD?
The net profit margin of BRD - Groupe Société Générale S.A is about 37.8%, meaning it keeps roughly 37.8% of revenue as net income. Based on the latest reported figures.

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.

Educational research only · not financial advice · no buy/sell recommendation. Model-based estimates are not certainties; their reliability depends on data quality and assumptions.