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Comperia.pl S.A (CPL) Fair Value & Analysis

Communication Services · PL · Market cap 18.9M PLN

CP Comperia.pl S.A CPL · WAR
Price6.00 PLN
Fair Value3.42 PLN
Upside-43.0%
Quality58/100
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Mixed Growth
Loss-making · -0.9% net margin
generates free cash flow
Trails peers (4/11)
Narrow moat 16/100
Evidence: Medium Range 2.69 PLN – 4.15 PLN Share as image

Fair value as of: Jul 16, 2026

From 10 valuation models · updated 25 days ago

Fair value updated Jul 16, 2026, revised from 3.31 PLN to 3.42 PLN (+3.3%) since Jun 25, 2026.

A solid business, but screening 43% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (4.15 PLN). The favourable scenario is already priced in.
  • Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder.
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Price vs Fair Value (5 years)

10.00 PLN 2.10 PLN Fair Value 3.42 PLN Feb 2019 Aug 2026

White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Jul 16, 2026.

How to read this chart

60‑month range 2.10 PLN – 10.00 PLN · fair‑value band 2.69 PLN – 4.15 PLN · the 6.00 PLN price screens above the 3.42 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Jul 16, 2026.

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Analysis

Comperia.pl S.A (CPL) currently trades at 6.00 PLN, while our model-based Fair Value estimate is 3.42 PLN, implying the stock looks roughly 43.0% overvalued today. The Quality Score stands at 58/100 (solid quality), in the Communication 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, Comperia.pl S.A generated revenue of 72.2M PLN at a net margin of -0.9%. Revenue grew 53.6% year over year. It earns a return on equity of -4.2%. The balance sheet holds a net cash position of 1.6M PLN. Fundamentals as of Jul 16, 2026

Our scenario range runs from 2.69 PLN (bear case) to 4.15 PLN (bull case); at 6.00 PLN, 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 32% below its 52-week high and 44% above its 52-week low, currently below its 200-day average. For context, the median of 10 Communication Services peers we cover trades at -20% fair-value upside, at -43%, CPL 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
Growth DCF 4.12 PLN 6.25 PLN 9.74 PLN 72
Rev-Margin DCF 3.92 PLN 6.65 PLN 10.72 PLN 67
EV/EBITDA 10.30 PLN 13.45 PLN 16.61 PLN 54
All 10 models by family
DCF Models
FCF DCF 4.30 PLN 6.01 PLN 10.34 PLN 38
5Y Revenue Exit 3.92 PLN 6.33 PLN 10.98 PLN 39
5Y EBITDA Exit 7.79 PLN 14.72 PLN 27.40 PLN 41
10Y Revenue Exit 3.91 PLN 6.60 PLN 9.69 PLN 36
10Y EBITDA Exit 6.33 PLN 12.84 PLN 24.89 PLN 37
Multiples
EV/EBITDA 10.30 PLN 13.45 PLN 16.61 PLN 54
EV/Revenue 3.66 PLN 4.88 PLN 6.10 PLN 43
Asset-Based
NCAV (Graham) 2.53 PLN 3.39 PLN 5.06 PLN 50
Growth DCF
Growth DCF 4.12 PLN 6.25 PLN 9.74 PLN 72
Rev-Margin DCF 3.92 PLN 6.65 PLN 10.72 PLN 67

Widest divergence: DCF Models (6.60 PLN) versus Asset-Based (3.39 PLN). Highest evidence: Growth DCF (72).

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Key figures & financial health

Revenue (TTM) 72.2M PLN
Revenue growth (YoY) +53.6%
Net margin -0.9%
Return on equity -4.2%
Free cash flow 984K PLN FY2025
P/E ratio 20.7
More key figures
Operating margin -0.6%
EPS (TTM) 0.2900 PLN
EPS growth (YoY) +1,276%
Net cash 1.6M PLN FY2025

Figures from reported company fundamentals · as of Jul 16, 2026. TTM = trailing twelve months.

Quality Score breakdown

Overall quality 58/100

Of which business quality 57 · Market factors (momentum, volatility) 59

Profitability 28
Margins and returns on capital today
Quality Growth 78
Are margins and returns improving?
Cashflow 19
Earnings quality: real cash, not paper profit
Fin. Strength 75
Balance sheet, leverage, solvency risk
Investment 80
Disciplined investing over empire-building
Low Volatility 53
Calm price path (market factor)
Momentum 65
Price trend over the last 3–12 months (market factor)
52W Momentum 53
Distance to the 52-week high (market factor)
Net Issuance 95
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

Comperia.pl S.A. operates online comparison sites for financial products and telecommunications products in Poland. The company's website enables users to compare various financial products, including bank deposits, personal and savings accounts; cash, car, online, mortgage, consolidation, credit, and refinancing loans; mortgages, credit cards, leasing, and …

Full company description

Comperia.pl S.A. operates online comparison sites for financial products and telecommunications products in Poland. The company's website enables users to compare various financial products, including bank deposits, personal and savings accounts; cash, car, online, mortgage, consolidation, credit, and refinancing loans; mortgages, credit cards, leasing, and factoring; and liability, accident, home, and travel insurance. It also offers comparison for companies that include business loans, investment loans, leasing, business account, and factoring and insurance, such as third party liability insurance, home insurance, travel insurance, and personal and accident insurance. The company was founded in 2007 and is based in Warsaw, Poland.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Comperia.pl S.A reported revenue of 72.2M PLN in FY2025 versus 40.4M PLN in FY2021, a compound +15.6%/yr. Reported net income was −670K PLN in FY2025.

Growth Quality 62/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
72.2M PLN
Latest YoY
+45.3%
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.
+17.8%
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.
+25.1%
Avg. growth/yr (15Y) 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.
+29.2%
Revenue +15.6%/yr
FY21 40.4M PLN
FY22 44.1M PLN
FY23 41.9M PLN
FY24 49.7M PLN
FY25 72.2M PLN
Net income
FY21 3.8M PLN
FY22 5.1M PLN
FY23 −577K PLN
FY24 −653K PLN
FY25 −670K PLN

CPL screens 43% overvalued. Compare with Alphabet Inc →

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Cite: Fair Value Calculator (2026). "Comperia.pl S.A Fair Value". https://www.fairvalue-calculator.com/stock/CPL

Peer Group

Internet Content & Information · 151 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 58 · Above median
Fair Value upside −43% · Below median
Return on assets -1% · Below median
Net margin (TTM) -1% · Below median
Operating margin (TTM) -1% · Below median
Revenue growth 54% · Top 25%

Valuation Multiples vs Internet Content & Information median · lower = cheaper

P/E (TTM) 20.7× · Pricier than median
P/B 0.32× · Cheaper than 75% of peers
P/S (TTM) 0.07× · Cheaper than 75% of peers
P/FCF 5.2× · Pricier 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 0
FUTURE 100 · sector 31
PAST 0 · sector 10
HEALTH 0 · sector 99
DIVIDEND 0 · sector 43

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 Internet Content & Information stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
Alphabet Inc GOOGL $354.46 $145.14 -59%
Meta Platforms, Inc META $669.21 $534.91 -20%
Tencent Holdings 0700 HK$460.20 HK$467.50 +2%
Spotify Technology S.A SPOT $485.38 $209.56 -57%
Reddit, Inc RDDT $195.34 $39.59 -80%
Baidu, Inc BIDU $109.50 $66.96 -39%
Kuaishou Technology, an investment holding company, 1024 HK$44.70 HK$101.03 +126%
NAVER Corporation 035420 191,300 KRW 231,585 KRW +21%
Tencent Music Entertainment Group 1698 HK$34.74 HK$65.78 +89%
REA Group REA A$149.14 A$88.53 -41%

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Frequently asked questions

Is Comperia.pl S.A (CPL) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of 3.42 PLN versus a price of 6.00 PLN, about −43% (overvalued).
What is the fair value of CPL?
Our model-based fair value for Comperia.pl S.A is 3.42 PLN (as of Jul 16, 2026), built from audited fundamentals. The current price is 6.00 PLN.
What is the quality score of CPL?
Comperia.pl S.A has a Quality Score of 58/100. 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 Comperia.pl S.A (CPL)?
Comperia.pl S.A reported trailing-twelve-month revenue of about 72.2M PLN (latest available figure, as of Jul 16, 2026).
What is the net profit margin of CPL?
The net profit margin of Comperia.pl S.A is about -0.9%, meaning it is currently running at a net loss. 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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