Firma Oponiarska DĘBICA SA (DBC) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Firma Oponiarska DĘBICA SA PLN 127, price PLN 96.10, upside +31.7%, quality 65 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 40.15 PLN – 105.20 PLN · fair‑value band 84.64 PLN – 171.81 PLN · the 96.10 PLN price screens below the 126.57 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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Tire Company Debica S.A. manufactures and sells tires for passenger cars, vans, and trucks under the Debica, Goodyear, Dunlop, Fulda, and Sava brands in Poland. It also offers curing membranes to produce tires. The company exports tires to Luxembourg, Germany, Turkey, the United States, Canada, and France.
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Tire Company Debica S.A. manufactures and sells tires for passenger cars, vans, and trucks under the Debica, Goodyear, Dunlop, Fulda, and Sava brands in Poland. It also offers curing membranes to produce tires. The company exports tires to Luxembourg, Germany, Turkey, the United States, Canada, and France. The company was formerly known as Firma Oponiarska Debica S.A. Tire Company Debica S.A. was founded in 1937 and is based in Debica, Poland. Tire Company Debica S.A. operates as a subsidiary of Goodyear S.A.
Stock analysis
Firma Oponiarska DĘBICA SA (DBC) currently trades at 96.10 PLN, while our model-based Fair Value estimate is 126.57 PLN, implying the stock looks roughly 24.1% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 154.26 PLN per share, and 16 of the 23 models we run sit above the 96.10 PLN price.
Bear case: the Asset-Based group reads lowest at 69.59 PLN, and 7 of the 23 models stay below the price. Evidence for this calculation is high.
Scenario range: 84.64 PLN (bear) to 171.81 PLN (bull), the price of 96.10 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 65/100 (solid quality), in the Consumer Cyclical sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Firma Oponiarska DĘBICA SA reported revenue of 2.9B PLN in FY2025 versus 2.3B PLN in FY2021, a compound +5.6%/yr. Reported net income was 125M PLN in FY2025, compounding +30.8%/yr from FY2021.
Key figures
Market cap 1.3B PLN (≈ $345M) · P/E ratio 11.5 · P/S ratio 0.49 · EPS (TTM) 8.36 PLN · Net margin 4.3% · Return on equity 8.9% · Return on assets (EBIT) 5.6% · Operating margin 5.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (medium confidence).
What moves the price
The share trades about 9% below its 52-week high and 20% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at −19% fair-value upside, at 32%, DBC screens cheaper than that median.
Fair Value models
Bear 84.64 PLNFair Value 126.57 PLNBull 171.81 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 (6.14 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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
+15.7%
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.
−3.8%
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.
+9.9%
Start year 2020 (pandemic). Over 10 years: +5.1% a year
Revenue growth 17 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.
+4.1%
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What shareholders gained per year (last 5 years) (mathematically smoothed) ⓘ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. Smoothed = median of all growth paths between the years of the window (trend line on the logarithm of earnings per share): a single extreme year cannot distort the rate. The reported figure stays in the tooltip.
+19.9%
Earnings growth per share plus dividend.
Earnings per share, growth per year+19.9%
Dividend (yield on the price)0.0%
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.13% vs 5%, picking up
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.4% → 5%
2025 sits 61% above its own trend. The rate follows the median trend of the last 5 years, not that single year.
Start year 2020 (pandemic)
Growth Forecast
Little optimism in the price
The price assumes less growth than the company has delivered so far.
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).
−7.7%
Yearly growth needed for the next five years to justify today's price.
What forecasts expect
n/a
No analyst forecast available.
After inflation (Poland: IMF forecast 3.1% a year to 2030, 4.6% from 2016 to 2025) that is about −10.6% a year for the price.
Compare Firma Oponiarska DĘBICA SA with another stock
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.Auto Parts · 692 stocks
Beats the industry median on 9/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score65 · Top 25%
Fair Value upside+29% · Above median
Profitability
Return on equity (TTM)9% · Above median
Return on assets4% · Above median
Net margin (TTM)4% · Above median
Operating margin (TTM)5% · Below median
Growth and dividend
Revenue growth−8% · Bottom 25%
Dividend yield (TTM)0.0% · Bottom 25%
Valuation Multiplesvs Auto Parts 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). "Firma Oponiarska DĘBICA SA Fair Value". https://www.fairvalue-calculator.com/stock/DBC
Frequently asked questions
Is Firma Oponiarska DĘBICA SA (DBC) overvalued or undervalued?
As of Sep 23, 2026, our model estimates a fair value of 126.57 PLN versus a price of 96.10 PLN, about +32% upside (undervalued).
What is the fair value of DBC?
Our model-based fair value for Firma Oponiarska DĘBICA SA is 126.57 PLN (as of Sep 23, 2026), built from audited fundamentals. The current price: 96.10 PLN.
What is the quality score of DBC?
Firma Oponiarska DĘBICA SA has a Quality Score of 65/100. 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 Firma Oponiarska DĘBICA SA (DBC)?
Our model-based price target is the fair value of 126.57 PLN (as of Sep 23, 2026) from 23 valuation models. Cautious scenario 84.64 PLN, optimistic scenario 171.81 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Firma Oponiarska DĘBICA SA stock forecast for 2026?
Our models put fair value at 126.57 PLN, about +32% upside versus a price of 96.10 PLN (undervalued). Cautious scenario 84.64 PLN, optimistic scenario 171.81 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Firma Oponiarska DĘBICA SA (DBC)?
Firma Oponiarska DĘBICA SA reported trailing-twelve-month revenue of about 2.9B PLN (latest available figure, as of Sep 23, 2026).
What growth is priced into Firma Oponiarska DĘBICA SA (DBC)?
For today's price to be fair in a discounted-cash-flow model, Firma Oponiarska DĘBICA SA would have to grow free cash flow by -7.7 % per year for five years (discount rate 10.6 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +9.9 % per year. As of Sep 23, 2026.
What discount rate (WACC) does the fair value of DBC use?
Our models discount Firma Oponiarska DĘBICA SA at 10.6 %: a base by market capitalisation (small), damped by beta 0.26, 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 Firma Oponiarska DĘBICA SA that is -7.7 % per year a year over ten years, using the same discount rate (10.6 %) and the same formula as our fair value.
How much growth has Firma Oponiarska DĘBICA SA (DBC) delivered so far?
Over the past 5 years revenue at Firma Oponiarska DĘBICA SA grew +9.9 % a year. The price currently implies -7.7 % 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 Firma Oponiarska DĘBICA SA (DBC) growing?
The median revenue growth in the sector is +2.6 % a year. That is the yardstick for the growth priced into Firma Oponiarska DĘBICA SA (-7.7 % 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 Firma Oponiarska DĘBICA SA (DBC)?
The free-cash-flow yield on the price is 6.44 %: that much free cash flow Firma Oponiarska DĘBICA SA produces per unit of market value. When it exceeds the discount rate of our models (10.6 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Firma Oponiarska DĘBICA SA (DBC)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Firma Oponiarska DĘBICA SA it is 126.57 PLN per share (as of Sep 23, 2026), against a price of 96.10 PLN. It is the blended result of 23 valuation models (cash flow, earnings, asset, dividend).
Is Firma Oponiarska DĘBICA SA stock overvalued or undervalued in 2026?
As of Sep 23, 2026, DBC trades below its calculated fair value: price 96.10 PLN, fair value 126.57 PLN, a gap of about +32% (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 DBC?
No. The price is what the market pays today (96.10 PLN); the fair value is what the company's own numbers justify (126.57 PLN). For Firma Oponiarska DĘBICA SA the two are 30.47 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Firma Oponiarska DĘBICA SA worth?
The market values Firma Oponiarska DĘBICA SA at about 1.3B PLN (market capitalisation, as of Sep 23, 2026). Per share that is 96.10 PLN; our models calculate a fair value of 126.57 PLN per share.
What do the bullish and bearish scenarios say about DBC?
Our models span a range for Firma Oponiarska DĘBICA SA: cautious scenario 84.64 PLN, base 126.57 PLN, optimistic 171.81 PLN per share (as of Sep 23, 2026, price 96.10 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DBC?
Firma Oponiarska DĘBICA SA trades at a price-to-earnings ratio of 11.5 (as of Sep 23, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 126.57 PLN is built from several models across several years. Other multiples: P/B 0.3, P/S 0.1, EV/EBITDA 1.2.
How solid is the balance sheet of Firma Oponiarska DĘBICA SA (DBC)?
Balance-sheet figures for Firma Oponiarska DĘBICA SA (as of Sep 23, 2026): return on equity 8.9%. They feed the Quality Score of 65/100, which measures business quality independently of the share price.
How far is DBC from its 52-week high?
Firma Oponiarska DĘBICA SA trades at 96.10 PLN, about 9% below its 52-week high of 105.20 PLN and 20% above the low of 79.90 PLN (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 126.57 PLN is for.
Which stocks are comparable to Firma Oponiarska DĘBICA SA?
From the same area (Consumer Cyclical) we also value O'Reilly Automotive, Inc, AutoZone, Inc, Hyundai Mobis Co, Fuyao Glass Industry Group, 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 Firma Oponiarska DĘBICA SA stock attractive at the current price?
The data as of Sep 23, 2026: price 96.10 PLN, calculated fair value 126.57 PLN (+32%), Quality Score 65/100, from 23 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 DBC calculated?
We run Firma Oponiarska DĘBICA SA through 23 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 126.57 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 13.0 % above its aggregate fair value. Firma Oponiarska DĘBICA SA currently trades 32 % 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 Firma Oponiarska DĘBICA SA (DBC)?
The closing price on Sep 24, 2026 was 96.10 PLN. Our model-based fair value is 126.57 PLN, about +32% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Firma Oponiarska DĘBICA SA right now?
Solid quality (65/100) at a price below fair value, the discount is the argument here, not the business quality. A fairly wide model range (84.64 PLN to 171.81 PLN) leaves room in how you read the outcome.
Key figures of Firma Oponiarska DĘBICA SA
How large is the market capitalisation of Firma Oponiarska DĘBICA SA (DBC)?
The market capitalisation of Firma Oponiarska DĘBICA SA is 1.3B PLN (≈ $345M). 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 Firma Oponiarska DĘBICA SA (DBC)?
The price-to-sales ratio of Firma Oponiarska DĘBICA SA is 0.49 (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 Firma Oponiarska DĘBICA SA (DBC)?
Earnings per share at Firma Oponiarska DĘBICA SA are 8.36 PLN (price ÷ EPS = P/E 11.5). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of Firma Oponiarska DĘBICA SA (DBC)?
The net margin of Firma Oponiarska DĘBICA SA is 4.3% (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 Firma Oponiarska DĘBICA SA (DBC)?
The return on equity (ROE) of Firma Oponiarska DĘBICA SA is 8.9% (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 Firma Oponiarska DĘBICA SA (DBC)?
On an EBIT basis the return on assets of Firma Oponiarska DĘBICA SA is 5.6% (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 Firma Oponiarska DĘBICA SA (DBC)?
The operating margin of Firma Oponiarska DĘBICA SA is 5.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Firma Oponiarska DĘBICA SA (DBC)?
Revenue at Firma Oponiarska DĘBICA SA is growing −8.2% versus a year earlier (3y avg −3.8%). 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 Firma Oponiarska DĘBICA SA (DBC)?
Earnings per share at Firma Oponiarska DĘBICA SA are growing −22.4% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Firma Oponiarska DĘBICA SA (DBC) hold?
Firma Oponiarska DĘBICA SA holds more cash than debt, 25.4M PLN net (fiscal year 2024). The company holds more cash than debt, a safety cushion.
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