CDRL SA (CDL) fair value: what the stock is really worth
As of Oct 9, 2026: fair value of CDRL SA PLN 12.90, price PLN 12.30, upside +4.9%, quality 54 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 3, 2026.
How to read this chart
60‑month range 7.00 PLN – 27.90 PLN · fair‑value band 11.13 PLN – 13.64 PLN · the 12.30 PLN price screens below the 12.90 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 3, 2026.
Follow CDRL in your weekly email
Every Wednesday you see whether CDRL is on track or worth a review, plus price against fair value. Free, up to 3 stocks.
We send you a confirmation link. Unsubscribe with one click.
CDRL S.A. designs, manufactures, and distributes children's clothing and baby accessories. Its products also include footwear, leather goods, nutrition accessories, school supplies, books, and licensed products, toys, and cosmetics.
Show more
CDRL S.A. designs, manufactures, and distributes children's clothing and baby accessories. Its products also include footwear, leather goods, nutrition accessories, school supplies, books, and licensed products, toys, and cosmetics. The company sells its products through a chain of stores located in Poland, the Czech Republic, Romania, the Baltic States, Hungary, Slovakia, Bulgaria, Serbia, Kazakhstan, Montenegro, Mongolia, and Oman, others countries. It operates under the Coccodrillo, Lemon Explore, Petit Bijou, Broel, mokida, and Fikolki Playrooms brands. CDRL S.A. is based in Koscian, Poland.
Stock analysis
CDRL SA (CDL) currently trades at 12.30 PLN, while our model-based Fair Value estimate is 12.90 PLN, so the stock looks roughly fairly valued today (gap 4.7%).
Show more
Valuation
Bull case: the Multiples group reads highest at a median of 17.09 PLN per share, and 8 of the 15 models we run sit above the 12.30 PLN price.
Bear case: the Dividend Discount group reads lowest at 8.51 PLN, and 7 of the 15 models stay below the price. Evidence for this calculation is high.
Scenario range: 11.13 PLN (bear) to 13.64 PLN (bull), the price of 12.30 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 54/100 (solid quality), in the Consumer Cyclical sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
CDRL SA reported revenue of 270M PLN in FY2025 versus 424M PLN in FY2021, a compound −10.7%/yr. Reported net income was 5.8M PLN in FY2025, compounding −34.8%/yr from FY2021.
Key figures
Market cap 74.0M PLN (≈ $18.9M) · P/E ratio 7.8 · P/S ratio 0.17 · EPS (TTM) 1.57 PLN · Dividend yield 6.1% · Net margin 2.1% · Return on equity 11.2% · Return on assets (EBIT) 5.8%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 47 out of 100 (low confidence).
What moves the price
The share trades about 12% below its 52-week high and 76% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −11% fair-value upside, at 5%, CDL screens cheaper than that median.
Fair Value models
Bear 11.13 PLNFair Value 12.90 PLNBull 13.64 PLN
Price 12.30 PLN · Upside +4.9%
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 (0.6358 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. 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.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.
Highest evidence
Owner Earnings9.07 PLN12.00 PLN17.03 PLN77
Residual Income13.05 PLN13.45 PLN14.36 PLN76
EPV10.27 PLN11.81 PLN13.13 PLN74
All 15 models by family
DCF Models
Owner Earnings9.07 PLN12.00 PLN17.03 PLN77
Earnings-Based
Graham-Dodd6.51 PLN11.71 PLN14.44 PLN66
EPV10.27 PLN11.81 PLN13.13 PLN74
Dividend Discount
Gordon GGM6.59 PLN8.51 PLN10.42 PLN69
DDM Multi-Stage6.59 PLN8.86 PLN11.49 PLN67
Multiples
P/E Multiple15.79 PLN21.05 PLN26.31 PLN63
P/S Multiple12.20 PLN16.26 PLN20.33 PLN58
P/B Multiple12.20 PLN16.26 PLN20.33 PLN55
EV/EBIT17.73 PLN23.46 PLN29.20 PLN66
EV/EBITDA28.17 PLN37.38 PLN46.59 PLN67
EV/Revenue12.12 PLN17.09 PLN22.06 PLN54
Asset-Based
NCAV (Graham)8.37 PLN11.22 PLN16.75 PLN54
Economic Profit
Residual Income13.05 PLN13.45 PLN14.36 PLN76
ROIC Compounder10.27 PLN11.81 PLN13.13 PLN72
Growth Earnings
Growth-Adj P/E11.13 PLN15.90 PLN20.67 PLN67
P/S and P/B multiple show the same value here: both are capped by the same earnings anchor (earnings per share times 17), because margin and return on equity do not support the sector multiple.
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.14/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−1.1%
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.
−1.6%
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.
−7.8%
Start year 2020 (pandemic). Over 10 years: +4.2% a year
Revenue growth 13 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.
+6.8%
’14
’15
’16
’17
’18
’19
’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.
−17.5%
Earnings growth per share plus dividend.
Earnings per share, growth per year−23.6%
Dividend (yield on the price)6.1%
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.−23.6% vs −8.0%, slowing
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.−1% → 3%
Price, fair value, quality and upside side by side.
Free, no sign-up
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.Apparel Retail · 102 stocks
Beats the industry median on 10/12 measures
Overall it ranks above its industry peers.
Valuation
Quality Score54 · Below median
Fair Value upside+4.9% · Below median
Profitability
Return on equity (TTM)11.2% · Above median
Return on assets6.1% · Above median
Net margin (TTM)4.1% · Above median
Operating margin (TTM)10.1% · Above median
Growth and dividend
Revenue growth5.4% · Above median
Dividend yield (TTM)6.1% · Top 25%
Valuation Multiplesvs Apparel Retail 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). "CDRL SA Fair Value". https://www.fairvalue-calculator.com/stock/CDL
Frequently asked questions
Is CDRL SA (CDL) overvalued or undervalued?
As of Oct 3, 2026, our model estimates a fair value of 12.90 PLN versus a price of 12.30 PLN, about +5% upside (fairly valued).
What is the fair value of CDL?
Our model-based fair value for CDRL SA is 12.90 PLN (as of Oct 3, 2026), built from audited fundamentals. The current price: 12.30 PLN.
What is the quality score of CDL?
CDRL SA has a Quality Score of 54/100. 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 CDRL SA (CDL)?
Our model-based price target is the fair value of 12.90 PLN (as of Oct 3, 2026) from 15 valuation models. Cautious scenario 11.13 PLN, optimistic scenario 13.64 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the CDRL SA stock forecast for 2026?
Our models put fair value at 12.90 PLN, about +5% upside versus a price of 12.30 PLN (fairly valued). Cautious scenario 11.13 PLN, optimistic scenario 13.64 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of CDRL SA (CDL)?
CDRL SA reported trailing-twelve-month revenue of about 268M PLN (latest available figure, as of Oct 3, 2026).
Does CDRL SA pay a dividend?
CDRL SA currently shows a dividend yield of about 6.10% relative to its recent price (as of Oct 3, 2026).
What is the intrinsic value of CDRL SA (CDL)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For CDRL SA it is 12.90 PLN per share (as of Oct 3, 2026), against a price of 12.30 PLN. It is the blended result of 15 valuation models (cash flow, earnings, asset, dividend).
Is CDRL SA stock overvalued or undervalued in 2026?
As of Oct 3, 2026, CDL trades below its calculated fair value: price 12.30 PLN, fair value 12.90 PLN, a gap of about +5% (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 CDL?
No. The price is what the market pays today (12.30 PLN); the fair value is what the company's own numbers justify (12.90 PLN). For CDRL SA the two are 0.6000 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is CDRL SA worth?
The market values CDRL SA at about 74.0M PLN (market capitalisation, as of Oct 3, 2026). Per share that is 12.30 PLN; our models calculate a fair value of 12.90 PLN per share.
What do the bullish and bearish scenarios say about CDL?
Our models span a range for CDRL SA: cautious scenario 11.13 PLN, base 12.90 PLN, optimistic 13.64 PLN per share (as of Oct 3, 2026, price 12.30 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of CDL?
CDRL SA trades at a price-to-earnings ratio of 7.8 (as of Oct 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 12.90 PLN is built from several models across several years. Other multiples: P/B 0.7, P/S 0.3, EV/EBITDA 3.6.
How solid is the balance sheet of CDRL SA (CDL)?
Balance-sheet figures for CDRL SA (as of Oct 3, 2026): return on equity 11.2%. They feed the Quality Score of 54/100, which measures business quality independently of the share price.
How far is CDL from its 52-week high?
CDRL SA trades at 12.30 PLN, about 12% below its 52-week high of 14.00 PLN and 76% above the low of 7.00 PLN (as of Oct 9, 2026). Distance from the high says nothing about value: that is what the fair value of 12.90 PLN is for.
Which stocks are comparable to CDRL SA?
From the same area (Consumer Cyclical) we also value Industria de Diseño Textil, S.A, The TJX Companies, Inc, Fast Retailing Co, Ross Stores, Inc, 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 CDRL SA stock attractive at the current price?
The data as of Oct 3, 2026: price 12.30 PLN, calculated fair value 12.90 PLN (+5%), Quality Score 54/100, from 15 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 CDL calculated?
We run CDRL SA through 15 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 12.90 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 14.6 % above its aggregate fair value. CDRL SA currently trades 5 % 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 CDRL SA (CDL)?
The closing price on Oct 9, 2026 was 12.30 PLN. Our model-based fair value is 12.90 PLN, about +5% upside (fairly valued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with CDRL SA right now?
The price sits close to our fair value, market and models broadly agree here, little valuation tension. 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 CDRL SA
How large is the market capitalisation of CDRL SA (CDL)?
The market capitalisation of CDRL SA is 74.0M PLN (≈ $18.9M). 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 CDRL SA (CDL)?
The price-to-sales ratio of CDRL SA is 0.17 (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 CDRL SA (CDL)?
Earnings per share at CDRL SA are 1.57 PLN (price ÷ EPS = P/E 7.8). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of CDRL SA (CDL)?
The dividend yield of CDRL SA is 6.1% (payout 47.8%). 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 CDRL SA (CDL)?
The net margin of CDRL SA is 2.1% (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 CDRL SA (CDL)?
The return on equity (ROE) of CDRL SA is 11.2% (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 CDRL SA (CDL)?
On an EBIT basis the return on assets of CDRL SA is 5.8% (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 CDRL SA (CDL)?
The operating margin of CDRL SA is 10.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at CDRL SA (CDL)?
Revenue at CDRL SA is growing +5.4% versus a year earlier (3y avg −1.6%). 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 CDRL SA (CDL)?
Earnings per share at CDRL SA are growing +71.6% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does CDRL SA (CDL) generate?
The free cash flow of CDRL SA is −5.2M 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 CDRL SA (CDL) carry?
The net debt of CDRL SA is 17.5M 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.
Free · no account needed
Watch CDRL SA in the live analysis
One click puts CDRL SA on your watchlist: fair value and trend at a glance, plus comparison, the diversification check and the 35,000+ stock screener.
