Cyber_Folks S.A. (CBF) fair value: what the stock is really worth
As of Sep 23, 2026: fair value of Cyber_Folks S.A. PLN 229, price PLN 208, upside +10.0%, quality 49 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
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Cyber_Folks S.A. operates as a technology company worldwide. It operates in Cyber_Folks and Vercom segments. The company's portfolio focuses on products in a subscription model.
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Cyber_Folks S.A. operates as a technology company worldwide. It operates in Cyber_Folks and Vercom segments. The company's portfolio focuses on products in a subscription model. It provides WordPress, WooCommerce, and PrestaShop hosting; domain registration and transfer and AI site builder; data protection for internet presence; servers and internet infrastructure and TV; and SaaS e-commerce, online store builder, content creation, and customized templates for online stores. The company also offers software for hotels, booking engine, and channel manager for hospitality; and B2B integrations for business automation services. In addition, the company provides marketing and transactional emails, web and mobile push notifications, voice, and SMS and RCS for communication; and marketing emails, MarTech, web development and design, and iOS and Android development for marketing services. It serves small, medium, and large business customers. The company was formerly known as R22 S.A. and changed its name to Cyber_Folks S.A. in August 2023. The company was founded in 1999 and is based in Poznan, Poland.
Stock analysis
Cyber_Folks S.A. (CBF) currently trades at 207.80 PLN, while our model-based Fair Value estimate is 228.58 PLN, implying the stock looks roughly 9.1% undervalued today.
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Valuation
Bull case: the Growth DCF group reads highest at a median of 302.14 PLN per share, and 12 of the 26 models we run sit above the 207.80 PLN price.
Bear case: the Dividend Discount group reads lowest at 23.76 PLN, and 14 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: 160.01 PLN (bear) to 297.17 PLN (bull), the price of 207.80 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 49/100 (below-average quality), in the Technology sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Cyber_Folks S.A. reported revenue of 855M PLN in FY2025 versus 297M PLN in FY2021, a compound +30.3%/yr. Reported net income was 63.1M PLN in FY2025, compounding +25.5%/yr from FY2021.
Key figures
Market cap 3.2B PLN (≈ $824M) · P/E ratio 43.4 · P/S ratio 3.20 · EPS (TTM) 4.79 PLN · Dividend yield 0.1% · Net margin 7.4% · Return on equity 18.1% · Return on assets (EBIT) 11.1%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 51 out of 100 (low confidence).
What moves the price
The share trades about 3% below its 52-week high and 28% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at 66% fair-value upside, at 10%, CBF screens richer than that median.
Fair Value models
Bear 160.01 PLNFair Value 228.58 PLNBull 297.17 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 (3.37 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.87/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
+30.2%
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.
+29.7%
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.
+32.4%
Start year 2020 (pandemic)
Revenue growth 7 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.
+28.8%
’18
’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.
+21.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+21.7%
Dividend (yield on the price)0.1%
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.19% → 24%
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).
+7.6%
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.
+14.0%
Yearly sales growth analysts expect, extended to five years.
After inflation (Poland: IMF forecast 3.1% a year to 2030, 4.6% from 2016 to 2025) that is about +4.3% a year for the price and +10.5% for the forecasts.
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.Information Technology Services · 490 stocks
Beats the industry median on 6/13 measures
A mixed picture versus its industry peers.
Valuation
Quality Score49 · Below median
Fair Value upside+13% · Above median
Profitability
Return on equity (TTM)18% · Top 25%
Return on assets9% · Top 25%
Net margin (TTM)9% · Top 25%
Operating margin (TTM)14% · Top 25%
Growth and dividend
Revenue growth45% · Top 25%
Dividend yield (TTM)0.1% · Bottom 25%
Balance sheet
Debt / equity1.07× · Highest 25%
Valuation Multiplesvs Information Technology Services median · lower = cheaper
P/E (TTM)43.4× · Priciest 25%
P/B1.64× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
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). "Cyber_Folks S.A. Fair Value". https://www.fairvalue-calculator.com/stock/CBF
Frequently asked questions
Is Cyber_Folks S.A. (CBF) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 228.58 PLN versus a price of 207.80 PLN, about +10% upside (undervalued).
What is the fair value of CBF?
Our model-based fair value for Cyber_Folks S.A. is 228.58 PLN (as of Sep 24, 2026), built from audited fundamentals. The current price: 207.80 PLN.
What is the quality score of CBF?
Cyber_Folks S.A. has a Quality Score of 49/100. 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 Cyber_Folks S.A. (CBF)?
Our model-based price target is the fair value of 228.58 PLN (as of Sep 24, 2026) from 26 valuation models. Cautious scenario 160.01 PLN, optimistic scenario 297.17 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Cyber_Folks S.A. stock forecast for 2026?
Our models put fair value at 228.58 PLN, about +10% upside versus a price of 207.80 PLN (undervalued). Cautious scenario 160.01 PLN, optimistic scenario 297.17 PLN. The calculation is refreshed regularly with new filings.
Does Cyber_Folks S.A. pay a dividend?
Cyber_Folks S.A. currently shows a dividend yield of about 0.09% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Cyber_Folks S.A. (CBF)?
For today's price to be fair in a discounted-cash-flow model, Cyber_Folks S.A. would have to grow free cash flow by +7.6 % per year for five years (discount rate 10.8 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +32.4 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of CBF use?
Our models discount Cyber_Folks S.A. at 10.8 %: a base by market capitalisation (small), damped by beta 0.55, country premium for Poland. 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 Cyber_Folks S.A. that is +7.6 % per year a year over ten years, using the same discount rate (10.8 %) and the same formula as our fair value.
How much growth has Cyber_Folks S.A. (CBF) delivered so far?
Over the past 5 years revenue at Cyber_Folks S.A. grew +32.4 % a year. The price currently implies +7.6 % 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 Cyber_Folks S.A. (CBF) growing?
The median revenue growth in the sector is +3.4 % a year. That is the yardstick for the growth priced into Cyber_Folks S.A. (+7.6 % 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 Cyber_Folks S.A. (CBF)?
The free-cash-flow yield on the price is 6.96 %: that much free cash flow Cyber_Folks S.A. produces per unit of market value. When it exceeds the discount rate of our models (10.8 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Cyber_Folks S.A. (CBF)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Cyber_Folks S.A. it is 228.58 PLN per share (as of Sep 24, 2026), against a price of 207.80 PLN. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Cyber_Folks S.A. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, CBF trades below its calculated fair value: price 207.80 PLN, fair value 228.58 PLN, a gap of about +10% (undervalued). 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 CBF?
No. The price is what the market pays today (207.80 PLN); the fair value is what the company's own numbers justify (228.58 PLN). For Cyber_Folks S.A. the two are 20.78 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Cyber_Folks S.A. worth?
The market values Cyber_Folks S.A. at about 3.2B PLN (market capitalisation, as of Sep 24, 2026). Per share that is 207.80 PLN; our models calculate a fair value of 228.58 PLN per share.
What do the bullish and bearish scenarios say about CBF?
Our models span a range for Cyber_Folks S.A.: cautious scenario 160.01 PLN, base 228.58 PLN, optimistic 297.17 PLN per share (as of Sep 24, 2026, price 207.80 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CBF?
Cyber_Folks S.A. trades at a price-to-earnings ratio of 43.4 (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 228.58 PLN is built from several models across several years. Other multiples: P/B 1.6, P/S 3.6, EV/EBITDA 17.4.
How solid is the balance sheet of Cyber_Folks S.A. (CBF)?
Balance-sheet figures for Cyber_Folks S.A. (as of Sep 24, 2026): return on equity 18.1%, debt of 1.07 per unit of equity. They feed the Quality Score of 49/100, which measures business quality independently of the share price.
How far is CBF from its 52-week high?
Cyber_Folks S.A. trades at 207.80 PLN, about 3% below its 52-week high of 213.40 PLN and 28% above the low of 161.86 PLN (as of Sep 23, 2026). Distance from the high says nothing about value: that is what the fair value of 228.58 PLN is for.
Which stocks are comparable to Cyber_Folks S.A.?
From the same area (Technology) we also value International Business Machines Corporation, Accenture plc, Tata Consultancy Services Limited, Infosys 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 Cyber_Folks S.A. stock attractive at the current price?
The data as of Sep 24, 2026: price 207.80 PLN, calculated fair value 228.58 PLN (+10%), Quality Score 49/100, from 26 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 CBF calculated?
We run Cyber_Folks S.A. through 26 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 228.58 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 14.1 % above its aggregate fair value. Cyber_Folks S.A. currently trades 10 % 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 Cyber_Folks S.A. (CBF)?
The closing price on Sep 23, 2026 was 207.80 PLN. Our model-based fair value is 228.58 PLN, about +10% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Cyber_Folks S.A. right now?
A fairly wide model range (160.01 PLN to 297.17 PLN) leaves room in how you read the outcome. The price sits in the lower half of our model range, the side with the larger margin of safety. The data supports the verdict: every model runs on fully documented inputs.
Key figures of Cyber_Folks S.A.
How large is the market capitalisation of Cyber_Folks S.A. (CBF)?
The market capitalisation of Cyber_Folks S.A. is 3.2B PLN (≈ $824M). 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 Cyber_Folks S.A. (CBF)?
The price-to-sales ratio of Cyber_Folks S.A. is 3.20 (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 Cyber_Folks S.A. (CBF)?
Earnings per share at Cyber_Folks S.A. are 4.79 PLN (price ÷ EPS = P/E 43.4). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Cyber_Folks S.A. (CBF)?
The dividend yield of Cyber_Folks S.A. is 0.1% (payout 3.9%). 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 Cyber_Folks S.A. (CBF)?
The net margin of Cyber_Folks S.A. is 7.4% (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 Cyber_Folks S.A. (CBF)?
The return on equity (ROE) of Cyber_Folks S.A. is 18.1% (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 Cyber_Folks S.A. (CBF)?
On an EBIT basis the return on assets of Cyber_Folks S.A. is 11.1% (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 Cyber_Folks S.A. (CBF)?
The operating margin of Cyber_Folks S.A. is 14.0% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Cyber_Folks S.A. (CBF)?
Revenue at Cyber_Folks S.A. is growing +44.5% versus a year earlier (3y avg +29.7%). 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 Cyber_Folks S.A. (CBF)?
Earnings per share at Cyber_Folks S.A. are growing +38.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Cyber_Folks S.A. (CBF) carry?
The net debt of Cyber_Folks S.A. is 301M PLN (fiscal year 2025, ≈ 1.4 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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