DITIX S.A (DTX) fair value: what the stock is really worth
As of Nov 4, 2026: fair value (intrinsic value) of DITIX S.A stock PLN 0.05, price PLN 0.17, that is 70.4% below the price, quality 76 out of 100. Rating: strongly overvalued. 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. As of Nov 4, 2026.
How to read this chart
60‑month range 0.0902 PLN – 0.3770 PLN · fair‑value band 0.0300 PLN – 0.0800 PLN · the 0.1690 PLN price screens above the 0.0500 PLN fair value. As of Nov 4, 2026.
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DITIX S.A. provides debt collection, financial intermediation, and advisory services in the field of financial services in Poland. The company was founded in 2015 and is based in Warsaw, Poland.
Stock analysis
DITIX S.A (DTX) currently trades at 0.1690 PLN, while our model-based Fair Value estimate is 0.0500 PLN, 70% below the price, so the stock looks overvalued today.
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Valuation
Bull case: the Asset-Based group reads highest at a median of 0.1100 PLN per share, and 0 of the 10 models we run sit above the 0.1690 PLN price.
Bear case: the Earnings-Based group reads lowest at 0.0300 PLN, and 10 of the 10 models stay below the price. Data coverage for this calculation is low.
Scenario range: 0.0300 PLN (bear) to 0.0800 PLN (bull), the price of 0.1690 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 76/100 (high quality), in the Financial Services sector.
Healthy Growth: Revenue growth appears healthy and is supported by profitability and cash-flow quality.
DITIX S.A reported revenue of 293K PLN in FY2025 versus 203K PLN in FY2022, a compound +13.1%/yr. Reported net income was 46.5K PLN in FY2025.
Key figures
Market cap 3.2M PLN (≈ $809K) Micro · P/E ratio 16.9 · P/S ratio 2.68 · EPS (TTM) 0.0100 PLN · Net margin 15.9% · Return on equity 5.9% · Return on assets (EBIT) −2.7% · Operating margin 25.3%.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 58 out of 100 (low confidence).
What moves the price
The share trades about 43% below its 52-week high and at its 52-week low, currently below its 200-day average.
For context, the median of 10 Financial Services peers we cover trades at 6% fair-value upside, at −70%, DTX screens richer than that median.
Fair Value models
Bear0.0300 PLNFair Value 0.0500 PLNBull0.0800 PLN
Price 0.1690 PLN · Downside -70.4%
Model ⓘEach model values the company its own way (discounted cash flow, earnings, assets, dividends). The fair value above starts from their evidence-weighted blend, not from a single model. In cyclical trough or peak years, after dilution or a stock split it is adjusted afterwards, so it can sit above or below the models. Based on fiscal year 2025 figures (about 10 months old). Earnings retained since then (0.0085 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. If a model's bull case is above four times its base value, the table shows that limit with a > sign (like the overall Bull above): beyond it no assumption holds.Coverage ⓘCoverage = 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.93/100
Revenue growth appears healthy and is supported by profitability and cash-flow quality.
Revenue growth 1 year
+15.3%
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.
+13.1%
’22
’23
’24
’25
What shareholders gained per year ⓘWe only publish this rate when it is defensible. Reason: no profitable base year
not computed
Growth Forecast
A lot of optimism in the price
The price assumes more 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).
+27.6%
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 +23.7% 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.Credit Services · 285 stocks
Beats the industry median on 2/12 measures
Overall it trails its industry peers.
Valuation
Quality Score76 · Top 25%
Fair Value upside−70.4% · Bottom 25%
Profitability
Return on equity (12 months)5.9% · Below median
Return on assets2.2% · Below median
Net margin (12 months)42.7% · Top 25%
Operating margin (12 months)25.3% · Below median
Growth and dividend
Revenue growth (quarter YoY)8.1% · Below median
Valuation Multiplesvs Credit Services median · lower = cheaper
P/E (12 months)16.9× · Pricier than median
P/B1.53× · Pricier than median
P/S (12 months)11.03× · Priciest 25%
Price / free cash flow48.9× · Priciest 25%
EV/EBITDA66.5× · Priciest 25%
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 61
FUTURE (revenue growth)41· sector 57
PAST (return on equity)24· sector 40
HEALTH (low debt)100· sector 55
DIVIDEND (yield)0· sector 62
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). "DITIX S.A Fair Value". https://www.fairvalue-calculator.com/stock/DTX
Frequently asked questions
Is DITIX S.A (DTX) overvalued or undervalued?
As of Nov 4, 2026, our model estimates a fair value of 0.0500 PLN versus a price of 0.1690 PLN, about 70% lower (overvalued).
What is the fair value of DTX?
Our model-based fair value for DITIX S.A is 0.0500 PLN (as of Nov 4, 2026), built from audited fundamentals. The current price: 0.1690 PLN.
What is the quality score of DTX?
DITIX S.A has a Quality Score of 76/100. 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 DITIX S.A (DTX)?
Our model-based price target is the fair value of 0.0500 PLN (as of Nov 4, 2026) from 10 valuation models. Cautious scenario 0.0300 PLN, optimistic scenario 0.0800 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the DITIX S.A stock forecast for 2026?
Our models put fair value at 0.0500 PLN, about 70% lower versus a price of 0.1690 PLN (overvalued). Cautious scenario 0.0300 PLN, optimistic scenario 0.0800 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of DITIX S.A (DTX)?
DITIX S.A reported trailing-twelve-month revenue of about 286K PLN (latest available figure, as of Nov 4, 2026).
What growth is priced into DITIX S.A (DTX)?
For today's price to be fair in a discounted-cash-flow model, DITIX S.A would have to grow free cash flow by +27.6 % per year for five years (discount rate 10.2 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 3 years revenue grew +13.1 % per year. As of Nov 4, 2026.
What discount rate (WACC) does the fair value of DTX use?
Our models discount DITIX S.A at 10.2 %: a base by market capitalisation (nano), damped by beta 0.85, 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 DITIX S.A that is +27.6 % per year a year over ten years, using the same discount rate (10.2 %) and the same formula as our fair value.
How much growth has DITIX S.A (DTX) delivered so far?
Over the past 3 years revenue at DITIX S.A grew +13.1 % a year. The price currently implies +27.6 % 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 DITIX S.A (DTX) growing?
The median revenue growth in the sector is +9.4 % a year. That is the yardstick for the growth priced into DITIX S.A (+27.6 % 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 DITIX S.A (DTX)?
The free-cash-flow yield on the price is 2.04 %: that much free cash flow DITIX S.A produces per unit of market value. When it exceeds the discount rate of our models (10.2 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of DITIX S.A (DTX)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For DITIX S.A it is 0.0500 PLN per share (as of Nov 4, 2026), against a price of 0.1690 PLN. It is the blended result of 10 valuation models (cash flow, earnings, asset, dividend).
Is DITIX S.A stock overvalued or undervalued in 2026?
As of Nov 4, 2026, DTX trades above its calculated fair value: price 0.1690 PLN, fair value 0.0500 PLN, a gap of about −70% (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 DTX?
No. The price is what the market pays today (0.1690 PLN); the fair value is what the company's own numbers justify (0.0500 PLN). For DITIX S.A the two are 0.1190 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is DITIX S.A worth?
The market values DITIX S.A at about 3.2M PLN (market capitalisation, as of Nov 4, 2026). Per share that is 0.1690 PLN; our models calculate a fair value of 0.0500 PLN per share.
What do the bullish and bearish scenarios say about DTX?
Our models span a range for DITIX S.A: cautious scenario 0.0300 PLN, base 0.0500 PLN, optimistic 0.0800 PLN per share (as of Nov 4, 2026, price 0.1690 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of DTX?
DITIX S.A trades at a price-to-earnings ratio of 16.9 (as of Nov 4, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 0.0500 PLN is built from several models across several years. Other multiples: P/B 1.5, P/S 11.0, EV/EBITDA 66.5.
How solid is the balance sheet of DITIX S.A (DTX)?
Balance-sheet figures for DITIX S.A (as of Nov 4, 2026): return on equity 5.9%. They feed the Quality Score of 76/100, which measures business quality independently of the share price.
How far is DTX from its 52-week high?
DITIX S.A trades at 0.1690 PLN, about 43% below its 52-week high of 0.2970 PLN and at the low of 0.1690 PLN (as of Nov 4, 2026). Distance from the high says nothing about value: that is what the fair value of 0.0500 PLN is for.
Which stocks are comparable to DITIX S.A?
From the same area (Financial Services) we also value Visa Inc, Mastercard Incorporated, American Express Company, Capital One Financial Corporation, 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 DITIX S.A stock attractive at the current price?
The data as of Nov 4, 2026: price 0.1690 PLN, calculated fair value 0.0500 PLN (−70%), Quality Score 76/100, from 10 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 DTX calculated?
We run DITIX S.A through 10 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 0.0500 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 15.0% above its aggregate fair value. DITIX S.A 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 DITIX S.A (DTX)?
The closing price on Nov 4, 2026 was 0.1690 PLN. Our model-based fair value is 0.0500 PLN, about 70% lower (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with DITIX S.A right now?
A high-quality business (quality 76/100), yet the market already pays well above fair value. Quality at a full price, with little margin of safety. The price sits above even our optimistic bull case (0.0800 PLN). The favourable scenario is already priced in. The model range is unusually wide (0.0300 PLN to 0.0800 PLN). The outcome hinges heavily on assumptions, so read the point estimate with caution. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution.
Key figures of DITIX S.A
How large is the market capitalisation of DITIX S.A (DTX)?
The market capitalisation of DITIX S.A is 3.2M PLN (≈ $809K). 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 DITIX S.A (DTX)?
The price-to-sales ratio of DITIX S.A is 2.68 (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 DITIX S.A (DTX)?
Earnings per share at DITIX S.A are 0.0100 PLN (price ÷ EPS = P/E 16.9). Earnings per share over the last twelve months: total profit spread across every single share.
What is the net margin of DITIX S.A (DTX)?
The net margin of DITIX S.A is 15.9% (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 DITIX S.A (DTX)?
The return on equity (ROE) of DITIX S.A is 5.9% (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 DITIX S.A (DTX)?
On an EBIT basis the return on assets of DITIX S.A is −2.7% (avg 4y). 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 DITIX S.A (DTX)?
The operating margin of DITIX S.A is 25.3% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at DITIX S.A (DTX)?
Revenue at DITIX S.A is growing +8.1% versus a year earlier (3y avg +13.1%). How much revenue grew versus a year earlier (YoY). The 3-year average next to it puts the single year in context.
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