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Centric Holdings (CENTR) Fair Value & Analysis

Financial Services · GR · Market cap €29.4M

CH Centric Holdings CENTR · AT
Price€0.2830
Fair Value€0.1100
Upside-61.1%
Quality47/100
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Mixed Growth
Solidly profitable · 19.8% net margin
Low debt
Trails peers (2/10)
Narrow moat 33/100
Evidence: Medium Range €0.0900 – €0.1400 Share as image

Fair value as of: Jul 26, 2026

From 6 valuation models · updated 16 days ago

Share price −3.4% over the past month.

Below-average quality, and screening another 61% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (€0.1400). The favourable scenario is already priced in.
  • Solid but not exceptional quality (47/100) and above fair value, neither a clear bargain nor a standout compounder.
  • For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
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Price vs Fair Value (5 years)

€0.4600 €0.2390 Fair Value €0.1100 Apr 2021 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 26, 2026.

How to read this chart

60‑month range €0.2390 – €0.4600 · fair‑value band €0.0900 – €0.1400 · the €0.2830 price screens above the €0.1100 fair value. Dashed = 300-day average. As of Jul 26, 2026.

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Analysis

Centric Holdings (CENTR) currently trades at €0.2830, while our model-based Fair Value estimate is €0.1100, implying the stock looks roughly 61.1% overvalued today. The Quality Score stands at 47/100 (below-average quality), in the Financial Services sector. Bear case: priced above our estimate, the market already discounts strong expectations. Bull case: above-average quality can justify a premium, the entry price still matters most (evidence: medium).

Over the trailing twelve months, Centric Holdings generated revenue of €7.4M at a net margin of 19.8%. Revenue grew 2.2% year over year. It earns a return on equity of 4.0%. Fundamentals as of Jul 26, 2026

Our scenario range runs from €0.0900 (bear case) to €0.1400 (bull case); at €0.2830, the current price sits above that range. Bear and bull are the same models run on conservative and optimistic assumptions (margins, growth, valuation multiples), so a plausible valuation range, not a price target. The share trades about 33% below its 52-week high and 3% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -12% fair-value upside, at -61%, CENTR screens richer than that median.

Fair Value models

Each model estimates fair value its own way; the Fair Value above is the evidence-weighted blend. Evidence (0–100) measures how completely this model’s inputs are available: well-fed models carry more weight in the blend. The spread across models is intentional, each one stresses a different value driver; dividend models, for instance, come out structurally low when payout is small.

Model 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
Highest evidence
Residual Income €0.1900 €0.1800 €0.1200 76
P/E Multiple €0.0700 €0.0900 €0.1100 63
P/B Multiple €0.0900 €0.1100 €0.1400 55
All 6 models by family
Earnings-Based
Graham-Dodd €0.0500 €0.3200 €0.4400 54
Lynch FV €0.1600 €0.2300 €0.3000 50
Multiples
P/E Multiple €0.0700 €0.0900 €0.1100 63
P/B Multiple €0.0900 €0.1100 €0.1400 55
Asset-Based
NCAV (Graham) €0.1500 €0.2000 €0.3000 50
Economic Profit
Residual Income €0.1900 €0.1800 €0.1200 76

Widest divergence: Earnings-Based (€0.2300) versus Multiples (€0.0900). Highest evidence: Residual Income (76).

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Key figures & financial health

Revenue (TTM) €7.4M
Revenue growth (YoY) +2.2%
Net margin 19.8%
Return on equity 4.0%
Operating margin -13.6%
EPS (TTM) €-0.0100
More key figures
EPS growth (YoY) +64.3%

Figures from reported company fundamentals · as of Jul 26, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 47/100

Of which business quality 47 · Market factors (momentum, volatility) 35

Profitability 22
Margins and returns on capital today
Quality Growth 60
Are margins and returns improving?
Cashflow 5
Earnings quality: real cash, not paper profit
Fin. Strength 86
Balance sheet, leverage, solvency risk
Investment 42
Disciplined investing over empire-building
Low Volatility 79
Calm price path (market factor)
Momentum 22
Price trend over the last 3–12 months (market factor)
52W Momentum 7
Distance to the 52-week high (market factor)
Net Issuance 80
Buybacks instead of dilution

Non-valuation factor families (profitability, growth, cashflow, financial strength, momentum …), each academically grounded. Valuation itself sits in the Fair Value and is deliberately excluded here to avoid double-counting.

About the company

Centric Holdings S.A. provides on-board entertainment services on vessels, hotels, and yachts. It also offers mass catering and tourist accommodation services, as well as engages in commercial real estate activities. The company engages in renewable energy. Centric Holdings S.A. was founded in 1995 and is headquartered in Moschato, Greece.

Company description, as reported by the company or data provider.

Revenue & earnings trend

FY2018 – FY2022 · reported fiscal years

Centric Holdings reported revenue of €5.9M in FY2022 versus €2.8M in FY2018, a compound +20.8%/yr. Reported net income was €661K in FY2022, compounding −30.0%/yr from FY2018.

Growth Quality 49/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2022)
€5.9M
Latest YoY
+56.1%
Avg. growth/yr (3Y) 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.
+11.9%
Avg. growth/yr (5Y) 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.
+32.5%
Avg. growth/yr (6Y) 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.
+37.8%
Revenue +20.8%/yr
FY18 €2.8M
FY19 €4.2M
FY20 €2.6M
FY21 €3.8M
FY22 €5.9M
Net income −30.0%/yr
FY18 €2.7M
FY19 €4.7M
FY20 −€1.0M
FY21 €3.1M
FY22 €661K

CENTR screens 61% overvalued. Compare with Fondul Proprietatea SA →

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Cite: Fair Value Calculator (2026). "Centric Holdings Fair Value". https://www.fairvalue-calculator.com/stock/CENTR

Peer Group

Asset Management · 971 stocks

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.

Quality Score 47 · Bottom 25%
Fair Value upside −61% · Bottom 25%
Return on equity (TTM) 4% · Below median
Return on assets -2% · Bottom 25%
Net margin (TTM) 20% · Below median
Operating margin (TTM) -14% · Bottom 25%
Revenue growth 2% · Above median
Debt / equity 0.16× · Higher than median

Valuation Multiples vs Asset Management median · lower = cheaper

P/B 1.13× · Pricier than median
P/S (TTM) 4.56× · Cheaper than median

Snowflake

Five quick dimensions, each 0 to 100: VALUE (fair-value potential), FUTURE (revenue growth), PAST (return on equity), HEALTH (low debt), DIVIDEND (yield). Green = this stock, grey = typical sector peer.

VALUE 0 · sector 37
FUTURE 11 · sector 6
PAST 16 · sector 26
HEALTH 92 · sector 95
DIVIDEND 0 · sector 69

VALUE 0: the price sits above our fair-value range.

Values & ESG

Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.

None of the checked exposures detected

ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.

Similar stocks

10 more Asset Management stocks, each showing price versus our Fair Value estimate (as of Jul 26, 2026).

Stock Price Fair Value vs Fair Value
Fondul Proprietatea SA FP $0.0420 $0.0800 +90%
BlackRock, Inc BLK $1,136 $465.75 -59%
Blackstone Inc BX $124.56 $16.35 -87%
Investor AB INVEB kr 423.70 kr 847.40 +100%
Brookfield Corporation BN C$62.45 C$10.12 -84%
KKR & Co KKR $100.94 $44.88 -56%
AB Industrivärden INDUA kr 532.50 kr 1,065 +100%
Jio Financial Services Limited JIOFIN ₹242.98 ₹40.19 -83%
Hedef Holding HEDEF 267.25 TRY 320.98 TRY +20%
Bajaj Holdings BAJAJHLDNG ₹10,398 ₹9,202 -12%

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Frequently asked questions

Is Centric Holdings (CENTR) overvalued or undervalued?
As of Jul 26, 2026, our model estimates a fair value of €0.1100 versus a price of €0.2830, about −61% (overvalued).
What is the fair value of CENTR?
Our model-based fair value for Centric Holdings is €0.1100 (as of Jul 26, 2026), built from audited fundamentals. The current price is €0.2830.
What is the quality score of CENTR?
Centric Holdings has a Quality Score of 47/100. 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 revenue of Centric Holdings (CENTR)?
Centric Holdings reported trailing-twelve-month revenue of about €7.4M (latest available figure, as of Jul 26, 2026).
What is the net profit margin of CENTR?
The net profit margin of Centric Holdings is about 19.8%, meaning it keeps roughly 19.8% 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.

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