Decora SA (DCR) fair value: what the stock is really worth
As of Sep 24, 2026: fair value of Decora SA PLN 120, price PLN 84.60, upside +41.6%, quality 71 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 24, 2026.
How to read this chart
60‑month range 23.02 PLN – 85.00 PLN · fair‑value band 73.34 PLN – 171.44 PLN · the 84.60 PLN price screens below the 119.77 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Sep 24, 2026.
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Decora S.A. engages in the production, distribution, sale, and export of flooring products and accessories in Poland. The company offers vinyl flooring, underlays, skirting boards, and floor profiles. The company markets its products under the Arbiton, Afirmax, Vidella, and Ewifoam brands. Decora S.A.
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Decora S.A. engages in the production, distribution, sale, and export of flooring products and accessories in Poland. The company offers vinyl flooring, underlays, skirting boards, and floor profiles. The company markets its products under the Arbiton, Afirmax, Vidella, and Ewifoam brands. Decora S.A. was founded in 1994 and is based in Sroda Wielkopolska, Poland.
Stock analysis
Decora SA (DCR) currently trades at 84.60 PLN, while our model-based Fair Value estimate is 119.77 PLN, implying the stock looks roughly 29.4% undervalued today.
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Valuation
Bull case: the Growth Earnings group reads highest at a median of 131.88 PLN per share, and 15 of the 26 models we run sit above the 84.60 PLN price.
Bear case: the Asset-Based group reads lowest at 24.40 PLN, and 11 of the 26 models stay below the price. Evidence for this calculation is high.
Scenario range: 73.34 PLN (bear) to 171.44 PLN (bull), the price of 84.60 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 71/100 (solid quality), in the Consumer Cyclical sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Decora SA reported revenue of 659M PLN in FY2025 versus 481M PLN in FY2021, a compound +8.2%/yr. Reported net income was 79.9M PLN in FY2025, compounding +4.6%/yr from FY2021.
Key figures
Market cap 892M PLN (≈ $232M) · P/E ratio 10.9 · P/S ratio 1.32 · EPS (TTM) 7.76 PLN · Dividend yield 4.7% · Net margin 12.1% · Return on equity 21.1% · Return on assets (EBIT) 18.5%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (medium confidence).
What moves the price
The share trades at its 52-week high and 33% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Consumer Cyclical peers we cover trades at 1% fair-value upside, at 42%, DCR screens cheaper than that median.
Fair Value models
Bear 73.34 PLNFair Value 119.77 PLNBull 171.44 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 (2.76 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.96/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+12.0%
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.
+6.5%
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.
+12.2%
Start year 2020 (pandemic). Over 10 years: +12.8% a year
Revenue growth 20 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%
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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.
+11.8%
Earnings growth per share plus dividend.
Earnings per share, growth per year+7.1%
Dividend (yield on the price)4.7%
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.7% vs 26%, 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.19% → 15%
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).
+6.8%
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 +3.5% a year for the price.
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.Furnishings, Fixtures & Appliances · 316 stocks
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Cite: Fair Value Calculator (2026). "Decora SA Fair Value". https://www.fairvalue-calculator.com/stock/DCR
Frequently asked questions
Is Decora SA (DCR) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 119.77 PLN versus a price of 84.60 PLN, about +42% upside (undervalued).
What is the fair value of DCR?
Our model-based fair value for Decora SA is 119.77 PLN (as of Sep 24, 2026), built from audited fundamentals. The current price: 84.60 PLN.
What is the quality score of DCR?
Decora SA has a Quality Score of 71/100. 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 Decora SA (DCR)?
Our model-based price target is the fair value of 119.77 PLN (as of Sep 24, 2026) from 26 valuation models. Cautious scenario 73.34 PLN, optimistic scenario 171.44 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Decora SA stock forecast for 2026?
Our models put fair value at 119.77 PLN, about +42% upside versus a price of 84.60 PLN (undervalued). Cautious scenario 73.34 PLN, optimistic scenario 171.44 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Decora SA (DCR)?
Decora SA reported trailing-twelve-month revenue of about 666M PLN (latest available figure, as of Sep 24, 2026).
Does Decora SA pay a dividend?
Decora SA currently shows a dividend yield of about 4.73% relative to its recent price (as of Sep 24, 2026).
What growth is priced into Decora SA (DCR)?
For today's price to be fair in a discounted-cash-flow model, Decora SA would have to grow free cash flow by +6.8 % per year for five years (discount rate 12.1 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew +12.2 % per year. As of Sep 24, 2026.
What discount rate (WACC) does the fair value of DCR use?
Our models discount Decora SA at 12.1 %: a base by market capitalisation (micro), damped by beta 0.33, 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 Decora SA that is +6.8 % per year a year over ten years, using the same discount rate (12.1 %) and the same formula as our fair value.
How much growth has Decora SA (DCR) delivered so far?
Over the past 5 years revenue at Decora SA grew +12.2 % a year. The price currently implies +6.8 % 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 Decora SA (DCR) growing?
The median revenue growth in the sector is +2.6 % a year. That is the yardstick for the growth priced into Decora SA (+6.8 % 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 Decora SA (DCR)?
The free-cash-flow yield on the price is 7.99 %: that much free cash flow Decora SA produces per unit of market value. When it exceeds the discount rate of our models (12.1 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Decora SA (DCR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Decora SA it is 119.77 PLN per share (as of Sep 24, 2026), against a price of 84.60 PLN. It is the blended result of 26 valuation models (cash flow, earnings, asset, dividend).
Is Decora SA stock overvalued or undervalued in 2026?
As of Sep 24, 2026, DCR trades below its calculated fair value: price 84.60 PLN, fair value 119.77 PLN, a gap of about +42% (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 DCR?
No. The price is what the market pays today (84.60 PLN); the fair value is what the company's own numbers justify (119.77 PLN). For Decora SA the two are 35.17 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Decora SA worth?
The market values Decora SA at about 892M PLN (market capitalisation, as of Sep 24, 2026). Per share that is 84.60 PLN; our models calculate a fair value of 119.77 PLN per share.
What do the bullish and bearish scenarios say about DCR?
Our models span a range for Decora SA: cautious scenario 73.34 PLN, base 119.77 PLN, optimistic 171.44 PLN per share (as of Sep 24, 2026, price 84.60 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DCR?
Decora SA trades at a price-to-earnings ratio of 10.9 (as of Sep 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 119.77 PLN is built from several models across several years. Other multiples: PEG 6.8, P/B 0.6, P/S 0.3, EV/EBITDA 2.0.
What is the PEG ratio of DCR?
The PEG ratio of Decora SA is 6.78 (P/E divided by earnings growth, as of Sep 24, 2026). That is above 1, so the growth is already paid for in the price.
How solid is the balance sheet of Decora SA (DCR)?
Balance-sheet figures for Decora SA (as of Sep 24, 2026): return on equity 21.1%, debt of 0.13 per unit of equity. They feed the Quality Score of 71/100, which measures business quality independently of the share price.
How far is DCR from its 52-week high?
Decora SA trades at 84.60 PLN, at its 52-week high of 85.00 PLN and 33% above the low of 63.66 PLN (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 119.77 PLN is for.
Which stocks are comparable to Decora SA?
From the same area (Consumer Cyclical) we also value Midea Group, Gree Electric Appliances, Inc, Haier Smart Home Co, King Slide Works Co, 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 Decora SA stock attractive at the current price?
The data as of Sep 24, 2026: price 84.60 PLN, calculated fair value 119.77 PLN (+42%), Quality Score 71/100, from 26 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 DCR calculated?
We run Decora SA through 26 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 119.77 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. Decora SA currently trades 42 % 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 Decora SA (DCR)?
The closing price on Sep 24, 2026 was 84.60 PLN. Our model-based fair value is 119.77 PLN, about +42% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Decora SA right now?
The rarer combination: high quality (71/100) AND below fair value. That earns a closer look rather than a quick verdict. A fairly wide model range (73.34 PLN to 171.44 PLN) leaves room in how you read the outcome.
Where does the earnings growth of Decora SA (DCR) come from?
Earnings per share at Decora SA grew +31.0 % a year from 2015 to 2025. Broken into its drivers: revenue per share +14.6 %, EBIT margin +11.0 %, tax rate +0.9 %, residual (interest, one-offs) +2.0 %. The four rates multiply to the earnings growth rate, they do not add up. Start and end are three-year averages so a single exceptional year does not distort the result.
Key figures of Decora SA
How large is the market capitalisation of Decora SA (DCR)?
The market capitalisation of Decora SA is 892M PLN (≈ $232M). 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 Decora SA (DCR)?
The price-to-sales ratio of Decora SA is 1.32 (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 Decora SA (DCR)?
Earnings per share at Decora SA are 7.76 PLN (price ÷ EPS = P/E 10.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Decora SA (DCR)?
The dividend yield of Decora SA is 4.7% (payout 51.5%). 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 Decora SA (DCR)?
The net margin of Decora SA is 12.1% (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 Decora SA (DCR)?
The return on equity (ROE) of Decora SA is 21.1% (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 Decora SA (DCR)?
On an EBIT basis the return on assets of Decora SA is 18.5% (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 Decora SA (DCR)?
The operating margin of Decora SA is 15.9% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Decora SA (DCR)?
Revenue at Decora SA is growing +4.1% versus a year earlier (3y avg +6.5%). 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 Decora SA (DCR)?
Earnings per share at Decora SA are growing +8.0% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net debt does Decora SA (DCR) carry?
The net debt of Decora SA is 40.0M PLN (fiscal year 2025, ≈ 0.6 yrs of FCF). 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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