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Develia S.A (DVL) Fair Value & Analysis

Real Estate · PL · Market cap 5.0B PLN

DS Develia S.A DVL · WAR
Price10.48 PLN
Fair Value3.70 PLN
Upside-64.7%
Quality58/100
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Mixed Growth
Highly profitable · 20.5% net margin
Low debt · generates free cash flow
Ranks above peers (9/15)
Wide moat 77/100
Evidence: High Range 2.14 PLN – 5.60 PLN Share as image

Fair value as of: Jul 16, 2026

From 16 valuation models · updated 24 days ago

Fair value updated Jul 16, 2026, revised from 13.95 PLN to 3.70 PLN (−73.5%) since Jun 26, 2026. Share price −3.1% over the past month.

A solid business, but screening 65% overvalued on our models.

What matters now

  • The price sits above even our optimistic bull case (5.60 PLN). The favourable scenario is already priced in.
  • The model range is unusually wide (2.14 PLN to 5.60 PLN). The outcome hinges heavily on assumptions, so read the point estimate with caution.
  • Solid but not exceptional quality (58/100) and above fair value, neither a clear bargain nor a standout compounder.
  • As a real-estate business, asset- and dividend-based methods carry more weight here than a standard DCF.
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Price vs Fair Value (5 years)

11.18 PLN 1.53 PLN Fair Value 3.70 PLN Apr 2021 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 1.53 PLN – 11.18 PLN · fair‑value band 2.14 PLN – 5.60 PLN · the 10.48 PLN price screens above the 3.70 PLN fair value. Dashed = 300-day average. As of Jul 16, 2026.

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Analysis

Develia S.A (DVL) currently trades at 10.48 PLN, while our model-based Fair Value estimate is 3.70 PLN, implying the stock looks roughly 64.7% overvalued today. The Quality Score stands at 58/100 (solid quality), in the Real Estate 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: high).

Over the trailing twelve months, Develia S.A generated revenue of 2.7B PLN at a net margin of 20.5%. Revenue grew 234.4% year over year. It earns a return on equity of 28.4%. Net debt stands at 385M PLN. Fundamentals as of Jul 16, 2026

Our scenario range runs from 2.14 PLN (bear case) to 5.60 PLN (bull case); at 10.48 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 6% below its 52-week high and 51% above its 52-week low, currently above its 200-day average. For context, the median of 10 Real Estate peers we cover trades at 32% fair-value upside, at -65%, DVL 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 BearBaseBull Evidence
Highest evidence
Growth DCF 4.69 PLN 9.09 PLN 17.51 PLN 80
Residual Income 5.84 PLN 7.28 PLN 23.57 PLN 76
Rev-Margin DCF 8.83 PLN 19.82 PLN 36.75 PLN 74
All 16 models by family
DCF Models
FCF DCF 5.00 PLN 8.24 PLN 17.90 PLN 38
5Y Revenue Exit 8.83 PLN 17.87 PLN 36.10 PLN 39
5Y EBITDA Exit 11.42 PLN 23.35 PLN 45.81 PLN 41
10Y Revenue Exit 7.23 PLN 18.53 PLN 30.32 PLN 36
10Y EBITDA Exit 9.46 PLN 23.55 PLN 51.02 PLN 37
Dividend Discount
Gordon GGM 5.03 PLN 10.03 PLN 15.18 PLN 70
DDM Multi-Stage 5.03 PLN 8.67 PLN 10.58 PLN 61
Multiples
P/S Multiple 12.20 PLN 16.27 PLN 20.34 PLN 58
P/B Multiple 6.24 PLN 8.32 PLN 10.39 PLN 55
EV/EBIT 18.15 PLN 24.40 PLN 30.66 PLN 53
EV/EBITDA 14.15 PLN 19.07 PLN 23.99 PLN 54
EV/Revenue 9.74 PLN 14.17 PLN 18.61 PLN 43
Asset-Based
NCAV (Graham) 2.08 PLN 2.79 PLN 4.16 PLN 50
Growth DCF
Growth DCF 4.69 PLN 9.09 PLN 17.51 PLN 80
Rev-Margin DCF 8.83 PLN 19.82 PLN 36.75 PLN 74
Economic Profit
Residual Income 5.84 PLN 7.28 PLN 23.57 PLN 76

Widest divergence: DCF Models (18.53 PLN) versus Asset-Based (2.79 PLN). Highest evidence: Growth DCF (80).

Key figures & financial health

Revenue (TTM) 2.7B PLN
Revenue growth (YoY) +234%
Net margin 20.5%
Return on equity 28.4%
Free cash flow 167M PLN FY2025
P/E ratio 10.7
More key figures
Operating margin 25.2%
EPS (TTM) 1.03 PLN
EPS growth (YoY) +171%
Net debt 385M 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) 67

Profitability 55
Margins and returns on capital today
Quality Growth 57
Are margins and returns improving?
Cashflow 46
Earnings quality: real cash, not paper profit
Fin. Strength 66
Balance sheet, leverage, solvency risk
Investment 49
Disciplined investing over empire-building
Low Volatility 86
Calm price path (market factor)
Momentum 53
Price trend over the last 3–12 months (market factor)
52W Momentum 71
Distance to the 52-week high (market factor)
Net Issuance 69
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

Develia S.A., through its subsidiaries, engages in real estate development business in Poland. It operates through Rental Services, Property Development Activity, and Holding (Other) Activity segments. The company's portfolio includes retail, service, and office spaces.

Full company description

Develia S.A., through its subsidiaries, engages in real estate development business in Poland. It operates through Rental Services, Property Development Activity, and Holding (Other) Activity segments. The company's portfolio includes retail, service, and office spaces. It also engages in housing investment; rental and management of own or leased properties; completion of construction projects related to putting up buildings; buying and selling of own real property; and construction works related to the completion of residential and non-residential buildings. The company was formerly known as LC Corp S.A. and changed its name to Develia S.A. in September 2019. Develia S.A. was founded in 2006 and is based in Wroclaw, Poland.

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

Revenue & earnings trend

FY2021 – FY2025 · reported fiscal years

Develia S.A reported revenue of 2.1B PLN in FY2025 versus 912M PLN in FY2021, a compound +22.9%/yr. Reported net income was 443M PLN in FY2025, compounding +30.3%/yr from FY2021.

Growth Quality 91/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Latest Revenue (FY 2025)
2.1B PLN
Latest YoY
+15.9%
Avg. growth/yr (3Y)
+24.9%
Avg. growth/yr (5Y)
+32.1%
Avg. growth/yr (19Y)
+36.1%
Revenue +22.9%/yr
FY21 912M PLN
FY22 1.1B PLN
FY23 1.6B PLN
FY24 1.8B PLN
FY25 2.1B PLN
Net income +30.3%/yr
FY21 154M PLN
FY22 231M PLN
FY23 276M PLN
FY24 380M PLN
FY25 443M PLN

DVL screens 65% overvalued. Compare with DLF Limited →

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

Peer Group

Real Estate - Development · 588 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 59 · Top 25%
Fair Value upside −65% · Bottom 25%
Return on equity (TTM) 28% · Top 25%
Return on assets 9% · Top 25%
Net margin (TTM) 20% · Top 25%
Operating margin (TTM) 25% · Top 25%
Revenue growth 234% · Top 25%
Dividend yield (TTM) 0.0% · Bottom 25%
Debt / equity 0.44× · Higher than median

Valuation Multiples vs Real Estate - Development median · lower = cheaper

P/E (TTM) 10.4× · Cheaper than median
P/B 0.69× · Pricier than median
P/S (TTM) 0.49× · Cheaper than median
P/FCF 8.0× · Pricier than 75% of peers
EV/EBITDA 2.3× · Cheaper than 75% of peers
PEG 6.43× · Pricier than 75% of peers

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 48
FUTURE 100 · sector 0
PAST 100 · sector 10
HEALTH 78 · sector 84
DIVIDEND 0 · sector 38

VALUE 0: the price sits above our fair-value range.

Insider activity: 40/100

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 Real Estate - Development stocks, each showing price versus our Fair Value estimate (as of Jul 16, 2026).

Stock Price Fair Value vs Fair Value
DLF Limited DLF ₹657.75 ₹159.49 -76%
Lodha Developers Limited LODHA ₹1,188 ₹583.43 -51%
PT Pantai Indah Kapuk Dua Tbk, PANI 6,125 IDR 1,330 IDR -78%
Oberoi Realty Limited OBEROIRLTY ₹1,925 ₹1,183 -39%
Godrej Properties Limited GODREJPROP ₹2,102 ₹1,044 -50%
PT Jaya Real Property, Tbk., JRPT 1,080 IDR 1,674 IDR +55%
PT Bumi Serpong Damai Tbk, BSDE 555.00 IDR 1,388 IDR +150%
PT Sentul City Tbk, BKSL 64.00 IDR 84.16 IDR +32%
PT Ciputra Development Tbk, CTRA 555.00 IDR 1,388 IDR +150%
PT Duta Pertiwi Tbk DUTI 4,100 IDR 6,239 IDR +52%

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Frequently asked questions

Is Develia S.A (DVL) overvalued or undervalued?
As of Jul 16, 2026, our model estimates a fair value of 3.70 PLN versus a price of 10.48 PLN, about −65% (overvalued).
What is the fair value of DVL?
Our model-based fair value for Develia S.A is 3.70 PLN (as of Jul 16, 2026), built from audited fundamentals. The current price is 10.48 PLN.
What is the quality score of DVL?
Develia 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 Develia S.A (DVL)?
Develia S.A reported trailing-twelve-month revenue of about 2.7B PLN (latest available figure, as of Jul 16, 2026).
What is the net profit margin of DVL?
The net profit margin of Develia S.A is about 20.5%, meaning it keeps roughly 20.5% of revenue as net income. 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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