Best SA (BST) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Best SA PLN 37.65, price PLN 34.80, upside +8.2%, quality 24 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 15.40 PLN – 36.30 PLN · fair‑value band 26.32 PLN – 47.06 PLN · the 34.80 PLN price screens below the 37.65 PLN 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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BEST S.A. operates in the debt collection industry in Poland and Italy. It invests in non-performing debt portfolios, as well as engages in the acquisition and recovery of receivables. The company was founded in 1994 and is based in Gdynia, Poland.
Stock analysis
Best SA (BST) currently trades at 34.80 PLN, while our model-based Fair Value estimate is 37.65 PLN, implying the stock looks roughly 7.6% fairly valued today.
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Valuation
Bull case: the DCF Models group reads highest at a median of 99.87 PLN per share, and 5 of the 7 models we run sit above the 34.80 PLN price.
Bear case: the Asset-Based group reads lowest at 27.08 PLN, and 2 of the 7 models stay below the price. Evidence for this calculation is medium.
Scenario range: 26.32 PLN (bear) to 47.06 PLN (bull), the price of 34.80 PLN 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 24/100 (below-average quality), in the Financial Services sector.
Expensive Growth: The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Best SA reported revenue of 486M PLN in FY2025 versus 235M PLN in FY2021, a compound +19.9%/yr. Reported net income was 97.0M PLN in FY2025, compounding +18.4%/yr from FY2021.
Key figures
Market cap 991M PLN (≈ $258M) · P/E ratio 7.5 · P/S ratio 1.51 · EPS (TTM) 4.61 PLN · Net margin 20.0% · Return on equity 12.6% · Return on assets (EBIT) 9.3% · Operating margin 44.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 46 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 41% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at −32% fair-value upside, at 8%, BST screens cheaper than that median.
Fair Value models
Bear 26.32 PLNFair Value 37.65 PLNBull 47.06 PLN
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 9 months old). Earnings retained since then (3.38 PLN 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.62/100
The company is growing, but growth may require heavy reinvestment or weak cash conversion.
Revenue growth 1 year
+30.9%
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.
+22.6%
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.
+14.2%
Start year 2020 (pandemic). Over 10 years: +14.0% a year
Revenue growth 17 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.
+18.6%
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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.
+12.7%
Earnings growth per share plus dividend.
Earnings per share, growth per year+12.7%
Dividend (yield on the price)0.0%
Pace: 5 vs 10 years ⓘTwo data points, not a trend model: earnings growth per share over the last 5 fiscal years against the last 10. Labelled "steady" when both rates are within 3 percentage points of each other, otherwise picking up or flattening. Shown only when ten years of history exist.13% vs 2%, picking up
Profit margin 2020 to 2025 ⓘ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.35% → 19%
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.Credit Services · 331 stocks
Beats the industry median on 9/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score24 · Bottom 25%
Fair Value upside+8% · Below median
Profitability
Return on equity (TTM)13% · Above median
Return on assets6% · Top 25%
Net margin (TTM)24% · Above median
Operating margin (TTM)44% · Above median
Growth and dividend
Revenue growth68% · Top 25%
Balance sheet
Debt / equity0.96× · Above median
Valuation Multiplesvs Credit Services median · lower = cheaper
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). "Best SA Fair Value". https://www.fairvalue-calculator.com/stock/BST
Frequently asked questions
Is Best SA (BST) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 37.65 PLN versus a price of 34.80 PLN, about +8% upside (fairly valued).
What is the fair value of BST?
Our model-based fair value for Best SA is 37.65 PLN (as of Sep 24, 2026), built from audited fundamentals. The current price: 34.80 PLN.
What is the quality score of BST?
Best SA has a Quality Score of 24/100. 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 Best SA (BST)?
Our model-based price target is the fair value of 37.65 PLN (as of Sep 24, 2026) from 7 valuation models. Cautious scenario 26.32 PLN, optimistic scenario 47.06 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Best SA stock forecast for 2026?
Our models put fair value at 37.65 PLN, about +8% upside versus a price of 34.80 PLN (fairly valued). Cautious scenario 26.32 PLN, optimistic scenario 47.06 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Best SA (BST)?
Best SA reported trailing-twelve-month revenue of about 553M PLN (latest available figure, as of Sep 24, 2026).
What is the intrinsic value of Best SA (BST)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Best SA it is 37.65 PLN per share (as of Sep 24, 2026), against a price of 34.80 PLN. It is the blended result of 7 valuation models (cash flow, earnings, asset, dividend).
Is Best SA stock overvalued or undervalued in 2026?
As of Sep 24, 2026, BST trades below its calculated fair value: price 34.80 PLN, fair value 37.65 PLN, a gap of about +8% (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 BST?
No. The price is what the market pays today (34.80 PLN); the fair value is what the company's own numbers justify (37.65 PLN). For Best SA the two are 2.85 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Best SA worth?
The market values Best SA at about 991M PLN (market capitalisation, as of Sep 24, 2026). Per share that is 34.80 PLN; our models calculate a fair value of 37.65 PLN per share.
What do the bullish and bearish scenarios say about BST?
Our models span a range for Best SA: cautious scenario 26.32 PLN, base 37.65 PLN, optimistic 47.06 PLN per share (as of Sep 24, 2026, price 34.80 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of BST?
Best SA trades at a price-to-earnings ratio of 7.5 (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 37.65 PLN is built from several models across several years. Other multiples: P/B 0.2, P/S 0.5, EV/EBITDA 5.1.
How solid is the balance sheet of Best SA (BST)?
Balance-sheet figures for Best SA (as of Sep 24, 2026): return on equity 12.6%, debt of 0.96 per unit of equity. They feed the Quality Score of 24/100, which measures business quality independently of the share price.
How far is BST from its 52-week high?
Best SA trades at 34.80 PLN, about 4% below its 52-week high of 36.30 PLN and 41% above the low of 24.60 PLN (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 37.65 PLN is for.
Which stocks are comparable to Best SA?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 Best SA stock attractive at the current price?
The data as of Sep 24, 2026: price 34.80 PLN, calculated fair value 37.65 PLN (+8%), Quality Score 24/100, from 7 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 BST calculated?
We run Best SA through 7 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 37.65 PLN, 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 14.0 % above its aggregate fair value. Best SA currently trades 8 % 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 Best SA (BST)?
The closing price on Sep 24, 2026 was 34.80 PLN. Our model-based fair value is 37.65 PLN, about +8% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Best SA right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 Best SA
How large is the market capitalisation of Best SA (BST)?
The market capitalisation of Best SA is 991M PLN (≈ $258M). 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 Best SA (BST)?
The price-to-sales ratio of Best SA is 1.51 (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 Best SA (BST)?
Earnings per share at Best SA are 4.61 PLN (price ÷ EPS = P/E 7.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Best SA (BST)?
The net margin of Best SA is 20.0% (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 Best SA (BST)?
The return on equity (ROE) of Best SA is 12.6% (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 Best SA (BST)?
On an EBIT basis the return on assets of Best SA is 9.3% (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 Best SA (BST)?
The operating margin of Best SA is 44.5% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Best SA (BST)?
Revenue at Best SA is growing +67.5% versus a year earlier (3y avg +22.6%). 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 Best SA (BST)?
Earnings per share at Best SA are growing +579% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Best SA (BST) generate?
The free cash flow of Best SA is −175M PLN (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
How much net debt does Best SA (BST) carry?
The net debt of Best SA is 1.4B PLN (fiscal year 2025). 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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