Czerwona Torebka (CZT) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Czerwona Torebka PLN 0.57, price PLN 0.83, upside -31.3%, quality 52 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 23, 2026.
How to read this chart
60‑month range 0.2500 PLN – 1.16 PLN · fair‑value band 0.3800 PLN – 0.7100 PLN · the 0.8300 PLN price screens above the 0.5700 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 23, 2026.
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Czerwona Torebka Spólka Akcyjna engages in real estate activities in Poland. It is also involved in other consultancy in the field of business and management; and real estate brokerage. The company was incorporated in 2007 and is headquartered in Poznan, Poland.
Stock analysis
Czerwona Torebka (CZT) currently trades at 0.8300 PLN, while our model-based Fair Value estimate is 0.5700 PLN, implying the stock looks roughly 45.6% overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 95/100, which puts the evidence level at low.
Scenario range: 0.3800 PLN (bear) to 0.7100 PLN (bull), the price of 0.8300 PLN sits above 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 52/100 (solid quality), in the Real Estate sector.
Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.
Czerwona Torebka reported revenue of 36.0M PLN in FY2025 versus 23.6M PLN in FY2021, a compound +11.2%/yr. Reported net income was −17.0M PLN in FY2025.
Key figures
Market cap 62.3M PLN (≈ $16.2M) · P/S ratio 1.28 · EPS (TTM) −0.1600 PLN · Net margin −47.2% · Return on equity −13.8% · Return on assets (EBIT) −1.1% · Operating margin 6.1% · Revenue (TTM) 37.4M PLN.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 32 out of 100 (low confidence).
What moves the price
The share trades about 28% below its 52-week high and 232% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Real Estate peers we cover trades at 54% fair-value upside, at −31%, CZT screens richer than that median.
Fair Value models
Bear 0.3800 PLNFair Value 0.5700 PLNBull 0.7100 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.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.36/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
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.
+70.0%
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.
+42.5%
Start year 2020 (pandemic). Over 10 years: −5.8% a year
Revenue growth 14 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.
−6.6%
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Profit margin (trend) ⓘ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.
−459.7% (2020) → −42.4% (2025)
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: fiscal 2025 is a loss year, no rate is defined from a loss
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.Real Estate - Development · 578 stocks
Beats the industry median on 5/9 measures
A mixed picture versus its industry peers.
Valuation
Quality Score51 · Above median
Fair Value upside−31% · Below median
Profitability
Return on assets−3% · Bottom 25%
Net margin (TTM)−32% · Bottom 25%
Operating margin (TTM)6% · Below median
Growth and dividend
Revenue growth17% · Above median
Balance sheet
Debt / equity0.29× · Below median
Valuation Multiplesvs Real Estate - Development median · lower = cheaper
P/B0.18× · Cheapest 25%
P/S (TTM)0.43× · Cheaper than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 48
FUTURE (revenue growth)85· sector 0
PAST (return on equity)0· sector 11
HEALTH (low debt)85· sector 83
DIVIDEND (yield)0· sector 55
VALUE 0: the price sits above our fair-value range.
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). "Czerwona Torebka Fair Value". https://www.fairvalue-calculator.com/stock/CZT
Frequently asked questions
Is Czerwona Torebka (CZT) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 0.5700 PLN versus a price of 0.8300 PLN, about −31% upside (overvalued).
What is the fair value of CZT?
Our model-based fair value for Czerwona Torebka is 0.5700 PLN (as of Sep 23, 2026), built from audited fundamentals. The current price: 0.8300 PLN.
What is the quality score of CZT?
Czerwona Torebka has a Quality Score of 52/100. 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 Czerwona Torebka (CZT)?
Our model-based price target is the fair value of 0.5700 PLN (as of Sep 23, 2026) from 1 valuation models. Cautious scenario 0.3800 PLN, optimistic scenario 0.7100 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Czerwona Torebka stock forecast for 2026?
Our models put fair value at 0.5700 PLN, about −31% upside versus a price of 0.8300 PLN (overvalued). Cautious scenario 0.3800 PLN, optimistic scenario 0.7100 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Czerwona Torebka (CZT)?
Czerwona Torebka reported trailing-twelve-month revenue of about 37.4M PLN (latest available figure, as of Sep 23, 2026).
What is the intrinsic value of Czerwona Torebka (CZT)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Czerwona Torebka it is 0.5700 PLN per share (as of Sep 23, 2026), against a price of 0.8300 PLN. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Czerwona Torebka stock overvalued or undervalued in 2026?
As of Sep 23, 2026, CZT trades above its calculated fair value: price 0.8300 PLN, fair value 0.5700 PLN, a gap of about −31% (overvalued). 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 CZT?
No. The price is what the market pays today (0.8300 PLN); the fair value is what the company's own numbers justify (0.5700 PLN). For Czerwona Torebka the two are 0.2600 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Czerwona Torebka worth?
The market values Czerwona Torebka at about 62.3M PLN (market capitalisation, as of Sep 23, 2026). Per share that is 0.8300 PLN; our models calculate a fair value of 0.5700 PLN per share.
What do the bullish and bearish scenarios say about CZT?
Our models span a range for Czerwona Torebka: cautious scenario 0.3800 PLN, base 0.5700 PLN, optimistic 0.7100 PLN per share (as of Sep 23, 2026, price 0.8300 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
How solid is the balance sheet of Czerwona Torebka (CZT)?
Balance-sheet figures for Czerwona Torebka (as of Sep 23, 2026): return on equity −13.8%, debt of 0.29 per unit of equity. They feed the Quality Score of 52/100, which measures business quality independently of the share price.
How far is CZT from its 52-week high?
Czerwona Torebka trades at 0.8300 PLN, about 28% below its 52-week high of 1.16 PLN and 232% above the low of 0.2500 PLN (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 0.5700 PLN is for.
Which stocks are comparable to Czerwona Torebka?
From the same area (Real Estate) we also value Sun Hung Kai Properties Limited, China Resources Land Limited, Vinhomes Joint Stock Company, CK Asset Holdings, 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 Czerwona Torebka stock attractive at the current price?
The data as of Sep 23, 2026: price 0.8300 PLN, calculated fair value 0.5700 PLN (−31%), Quality Score 52/100, from 1 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 CZT calculated?
We run Czerwona Torebka through 1 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 0.5700 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. Czerwona Torebka itself currently trades above fair value. 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 Czerwona Torebka (CZT)?
The closing price on Sep 24, 2026 was 0.8300 PLN. Our model-based fair value is 0.5700 PLN, about −31% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Czerwona Torebka right now?
The price sits above even our optimistic bull case (0.7100 PLN). The favourable scenario is already priced in. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. Solid but not exceptional quality (52/100) and above fair value, neither a clear bargain nor a standout compounder. A fairly wide model range (0.3800 PLN to 0.7100 PLN) leaves room in how you read the outcome.
Key figures of Czerwona Torebka
How large is the market capitalisation of Czerwona Torebka (CZT)?
The market capitalisation of Czerwona Torebka is 62.3M PLN (≈ $16.2M). 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 Czerwona Torebka (CZT)?
The price-to-sales ratio of Czerwona Torebka is 1.28 (last twelve months). Price to sales: market value relative to yearly revenue. Useful when profit is thin or distorted.
What are the earnings per share of Czerwona Torebka (CZT)?
Earnings per share at Czerwona Torebka are −0.1600 PLN. Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Czerwona Torebka (CZT)?
The net margin of Czerwona Torebka is −47.2% (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 Czerwona Torebka (CZT)?
The return on equity (ROE) of Czerwona Torebka is −13.8% (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 Czerwona Torebka (CZT)?
On an EBIT basis the return on assets of Czerwona Torebka is −1.1% (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 Czerwona Torebka (CZT)?
The operating margin of Czerwona Torebka is 6.1% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Czerwona Torebka (CZT)?
Revenue at Czerwona Torebka is growing +16.9% versus a year earlier (3y avg +70.0%). 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 Czerwona Torebka (CZT)?
Earnings per share at Czerwona Torebka are growing −87.5% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Czerwona Torebka (CZT) generate?
The free cash flow of Czerwona Torebka is −9.9M 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 Czerwona Torebka (CZT) carry?
The net debt of Czerwona Torebka is 4.3M 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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