Ssif Broker Cl (BRK) fair value: what the stock is really worth
As of Nov 5, 2026: fair value (intrinsic value) of Ssif Broker Cl stock RON 0.16, price RON 0.15, upside +10.3%, quality 59 out of 100. Rating: fairly valued. Calculated from audited financials with 10 of our 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. As of Nov 4, 2026.
How to read this chart
60‑month range 0.0752 RON – 0.3810 RON · fair‑value band 0.1200 RON – 0.2000 RON · the 0.1450 RON price screens below the 0.1600 RON fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). As of Nov 4, 2026.
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SSIF BRK Financial Group S.A., a financial investment services company, engages in the intermediation of financial investment activities to individual investors, companies, and institutional clients in Romania. The company operates in two segments, Intermediation and Market Making.
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It provides intermediation transaction services, such as intermediation of transactions for sale and purchase of securities, international markets, structured products, and domestic and international market, as well as municipal, corporate, and government bonds.
The company also offers financing on the capital market through public issues of shares and bonds; intermediation of takeover bids or takeover of companies; listing of companies and investment funds on the capital market through initial public offerings or on the basis of trading prospectuses; advising on financing through share and bond issues or capital market promotion; and portfolio management services.
In addition, it is involved in the market-making activities; and issuance of structured products and liquidity-providing operations. The company was formerly known as SSIF Broker SA and changed its name to SSIF BRK Financial Group S.A. in March 2016.
SSIF BRK Financial Group S.A. was founded in 1994 and is headquartered in Cluj-Napoca, Romania.
Stock analysis
Ssif Broker Cl (BRK) currently trades at 0.1450 RON, while our model-based Fair Value estimate is 0.1600 RON, so the stock looks roughly fairly valued today (gap 9.4%).
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Valuation
Bull case: the DCF Models group reads highest at a median of 0.1900 RON per share, and 6 of the 10 models we run sit above the 0.1450 RON price.
Bear case: the Asset-Based group reads lowest at 0.0700 RON, and 4 of the 10 models stay below the price. Data coverage for this calculation is low.
Scenario range: 0.1200 RON (bear) to 0.2000 RON (bull), the price of 0.1450 RON sits inside 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 59/100 (solid quality), in the Financial Services sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Ssif Broker Cl reported revenue of 25.6M RON in FY2026 versus 35.7M RON in FY2022, a compound −8.0%/yr. Reported net income was 4.1M RON in FY2026, compounding −31.8%/yr from FY2022.
Key figures
Market cap 48.9M RON (≈ $10.3M) Micro · P/E ratio 4.8 · P/S ratio 1.53 · EPS (TTM) 0.0300 RON · Net margin 33.9% · Return on equity 19.2% · Return on assets (EBIT) 1.7% · Operating margin 15.2%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (low confidence).
What moves the price
The share trades about 17% below its 52-week high and 89% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −17% fair-value upside, at 10%, BRK screens cheaper than that median.
Fair Value models
Bear0.1200 RONFair Value 0.1600 RONBull0.2000 RON
Price 0.1450 RON · Upside +10.3%
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 2026 figures (about 4 months old). Earnings retained since then (0.0106 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.
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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−25.3%
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.
−8.4%
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.
+16.7%
Start year 2021 (pandemic)
’21
’22
’23
’24
’25
’26
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.
−16.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year−16.7%
Dividend (yield on the price)0.0%
Profit margin 2021 to 2026 ⓘ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.7% → 37%
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
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).
−16.2%
The company could shrink this much every year for the next five years and today's price would still be justified.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Romania: IMF forecast 4.3% a year to 2030, 5.2% from 2016 to 2025) that is about −19.7% a year for the price.
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.Capital Markets · 384 stocks
Beats the industry median on 9/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score59 · Above median
Fair Value upside+10.3% · Above median
Profitability
Return on equity (12 months)19.2% · Top 25%
Return on assets2.0% · Below median
Net margin (12 months)33.9% · Above median
Operating margin (12 months)15.2% · Below median
Growth and dividend
Revenue growth (quarter YoY)107.8% · Top 25%
Valuation Multiplesvs Capital Markets median · lower = cheaper
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Is Ssif Broker Cl (BRK) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 0.1600 RON versus a price of 0.1450 RON, about +10% upside (fairly valued).
What is the fair value of BRK?
Our model-based fair value for Ssif Broker Cl is 0.1600 RON (as of Nov 4, 2026), built from audited fundamentals. The current price: 0.1450 RON.
What is the quality score of BRK?
Ssif Broker Cl has a Quality Score of 59/100. 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 Ssif Broker Cl (BRK)?
Our model-based price target is the fair value of 0.1600 RON (as of Nov 4, 2026) from 10 valuation models. Cautious scenario 0.1200 RON, optimistic scenario 0.2000 RON. It is a calculation from audited fundamentals, not an analyst target.
What is the Ssif Broker Cl stock forecast for 2026?
Our models put fair value at 0.1600 RON, about +10% upside versus a price of 0.1450 RON (fairly valued). Cautious scenario 0.1200 RON, optimistic scenario 0.2000 RON. The calculation is refreshed regularly with new filings.
What is the revenue of Ssif Broker Cl (BRK)?
Ssif Broker Cl reported trailing-twelve-month revenue of about 31.9M RON (latest available figure, as of Nov 4, 2026).
What growth is priced into Ssif Broker Cl (BRK)?
For today's price to be fair in a discounted-cash-flow model, Ssif Broker Cl would have to grow free cash flow by -16.2 % per year for five years (discount rate 11.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +16.7 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of BRK use?
Our models discount Ssif Broker Cl at 11.2 %: a base by market capitalisation (nano), damped by beta 0.64, 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 Ssif Broker Cl that is -16.2 % per year a year over ten years, using the same discount rate (11.2 %) and the same formula as our fair value.
How much growth has Ssif Broker Cl (BRK) delivered so far?
Over the past 5 years revenue at Ssif Broker Cl grew +16.7 % a year. The price currently implies -16.2 % 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 Ssif Broker Cl (BRK) growing?
The median revenue growth in the sector is +6.5 % a year. That is the yardstick for the growth priced into Ssif Broker Cl (-16.2 % 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 Ssif Broker Cl (BRK)?
The free-cash-flow yield on the price is 30.46 %: that much free cash flow Ssif Broker Cl produces per unit of market value. When it exceeds the discount rate of our models (11.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Ssif Broker Cl (BRK)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Ssif Broker Cl it is 0.1600 RON per share (as of Nov 4, 2026), against a price of 0.1450 RON. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is Ssif Broker Cl stock overvalued or undervalued in 2026?
As of Nov 4, 2026, BRK trades below its calculated fair value: price 0.1450 RON, fair value 0.1600 RON, a gap of about +10% (fairly valued). 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 BRK?
No. The price is what the market pays today (0.1450 RON); the fair value is what the company's own numbers justify (0.1600 RON). For Ssif Broker Cl the two are 0.0150 RON per share apart. That gap is exactly why we show both numbers side by side.
How much is Ssif Broker Cl worth?
The market values Ssif Broker Cl at about 48.9M RON (market capitalisation, as of Nov 4, 2026). Per share that is 0.1450 RON; our models calculate a fair value of 0.1600 RON per share.
What do the bullish and bearish scenarios say about BRK?
Our models span a range for Ssif Broker Cl: cautious scenario 0.1200 RON, base 0.1600 RON, optimistic 0.2000 RON per share (as of Nov 4, 2026, price 0.1450 RON). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BRK?
Ssif Broker Cl trades at a price-to-earnings ratio of 4.8 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.1600 RON is built from several models across several years. Other multiples: P/B 1.3, P/S 1.5, EV/EBITDA 3.4.
How solid is the balance sheet of Ssif Broker Cl (BRK)?
Balance-sheet figures for Ssif Broker Cl (as of Nov 4, 2026): return on equity 19.2%. They feed the Quality Score of 59/100, which measures business quality independently of the share price.
How far is BRK from its 52-week high?
Ssif Broker Cl trades at 0.1450 RON, about 17% below its 52-week high of 0.1740 RON and 89% above the low of 0.0766 RON (as of Nov 5, 2026). Distance from the high says nothing about value: that is what the fair value of 0.1600 RON is for.
Which stocks are comparable to Ssif Broker Cl?
From the same area (Financial Services) we also value Morgan Stanley, The Goldman Sachs Group, The Charles Schwab Corporation, Interactive Brokers 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 Ssif Broker Cl stock attractive at the current price?
The data as of Nov 4, 2026: price 0.1450 RON, calculated fair value 0.1600 RON (+10%), Quality Score 59/100, from 10 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 BRK calculated?
We run Ssif Broker Cl through 10 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 0.1600 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 15.6% above its aggregate fair value. Ssif Broker Cl currently trades 9% below its own fair value, and the market average says nothing about that. 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 Ssif Broker Cl (BRK)?
The closing price on Nov 5, 2026 was 0.1450 RON. Our model-based fair value is 0.1600 RON, about +10% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Ssif Broker Cl right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. Evidence is limited here (fewer models, shorter history), so the fair value is a rougher estimate than usual. 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 Ssif Broker Cl
How large is the market capitalisation of Ssif Broker Cl (BRK)?
The market capitalisation of Ssif Broker Cl is 48.9M RON (≈ $10.3M). 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 Ssif Broker Cl (BRK)?
The price-to-sales ratio of Ssif Broker Cl is 1.53 (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 Ssif Broker Cl (BRK)?
Earnings per share at Ssif Broker Cl are 0.0300 RON (price ÷ EPS = P/E 4.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Ssif Broker Cl (BRK)?
The net margin of Ssif Broker Cl is 33.9% (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 Ssif Broker Cl (BRK)?
The return on equity (ROE) of Ssif Broker Cl is 19.2% (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 Ssif Broker Cl (BRK)?
On an EBIT basis the return on assets of Ssif Broker Cl is 1.7% (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.
What is the operating margin of Ssif Broker Cl (BRK)?
The operating margin of Ssif Broker Cl is 15.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Ssif Broker Cl (BRK)?
Revenue at Ssif Broker Cl is growing +108% versus a year earlier (3y avg −8.4%). 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 Ssif Broker Cl (BRK)?
Earnings per share at Ssif Broker Cl are growing +545% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Ssif Broker Cl (BRK) carry?
The net debt of Ssif Broker Cl is 13.9M RON (fiscal year 2026, ≈ 0.9 yrs of FCF). Debt minus cash on hand. The note shows how many years of free cash flow could in theory pay it off.
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Thin data
Nov 4, 2026