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Eurocash S.A. (EUR) fair value: what the stock is really worth

As of Sep 24, 2026: fair value of Eurocash S.A. PLN 15.77, price PLN 5.26, upside +200.0%, quality 51 out of 100. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.

  1. Fair value above price? Yes
  2. Good quality? Yes
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Consumer Defensive · PL · ISIN PLEURCH00011

ES Eurocash S.A. logo Thin data Sep 24, 2026

Eurocash S.A.

EUR · WAR

Clearly undervaluedStrong Fair Value upside, but quality is only moderate.

✓Fair value 15.77 PLN · Strongly undervalued (+200%)
!Quality 51/100
!Mixed Growth (revenue 5y +3.4 %/yr)
!Loss-making · -1.1% net margin (TTM)
✓Low debt · generates free cash flow
!Mixed vs. peers (5/12)
!Narrow moat 15/100
!Evidence only low, so the estimate is less certain
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What runs behind every stock

26 valuation models 8 families, DCF to NCAV 37 quality factors margins, balance sheet, cashflow, debt 6 AI factors moat, what no ratio measures 2,000+ data points verified, per stock, median

69 individual criteria per stock, every one traceable See the method →

Price vs Fair Value

17.91 PLN 4.81 PLN Fair Value 15.77 PLN Jun 2021 Sep 2026

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 4.81 PLN – 17.91 PLN · fair‑value band 11.60 PLN – 19.94 PLN · the 5.26 PLN price screens below the 15.77 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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Company profile

Eurocash S.A. engages in the wholesale distribution of food and other fast moving consumer goods (FMCG) in Poland. It operates through Wholesale, Retail, Projects, and Other segments.

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Eurocash S.A. engages in the wholesale distribution of food and other fast moving consumer goods (FMCG) in Poland. It operates through Wholesale, Retail, Projects, and Other segments. The company's products include basic food, soft and alcoholic drinks, tobacco products, phone cards, pre-paid top-ups; and non-food items, such as cosmetics, household chemicals, OTC medicines, and other. It distributes its products to traditional grocery market, retail stores, convenience stores, gas stations, restaurants, and hotel and café chains. The company operates a network of Europcash Cash & Carry stores; abc stores chain; small supermarkets under the Delikatesy Centrum brand; stores under the Duzy Ben brand; and franchise and partner stores of Eurocash distribution, as well as stores under the Inmedio and Inmedio Trendy brands. Eurocash S.A. was incorporated in 2004 and is based in Komorniki, Poland.

Stock analysis

Eurocash S.A. (EUR) currently trades at 5.26 PLN, while our model-based Fair Value estimate is 15.77 PLN, implying the stock looks roughly 66.7% undervalued today.

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Valuation

Bull case: the DCF Models group reads highest at a median of 52.56 PLN per share, and 13 of the 14 models we run sit above the 5.26 PLN price.

Bear case: the Asset-Based group reads lowest at 1.81 PLN, and 1 of the 14 models stay below the price. Evidence for this calculation is low.

Scenario range: 11.60 PLN (bear) to 19.94 PLN (bull), the price of 5.26 PLN sits below 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 51/100 (solid quality), in the Consumer Defensive sector.

Mixed Growth: Revenue is growing, but margins or cash flow do not fully confirm the trend.

Eurocash S.A. reported revenue of 30.0B PLN in FY2025 versus 26.3B PLN in FY2021, a compound +3.4%/yr. Reported net income was −336M PLN in FY2025.

Key figures

Market cap 731M PLN (≈ $190M) · P/S ratio 0.02 · EPS (TTM) −2.28 PLN · Dividend yield 4.2% · Net margin −1.1% · Return on equity −51.1% · Return on assets (EBIT) 3.5% · Operating margin −0.2%.

Competitive moat

Our AI-assisted moat analysis scores the competitive advantage at 38 out of 100 (low confidence).

What moves the price

The share trades about 38% below its 52-week high and 9% above its 52-week low, currently below its 200-day average.

For context, the median of 10 Consumer Defensive peers we cover trades at 7% fair-value upside, at 200%, EUR screens cheaper than that median.

Fair Value models

Bear 11.60 PLN Fair Value 15.77 PLN Bull 19.94 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.
Highest evidence
FCF DCF 54.47 PLN 76.85 PLN 105.50 PLN 81
Growth DCF 54.37 PLN 73.40 PLN 96.13 PLN 80
Owner Earnings 21.60 PLN 30.11 PLN 41.00 PLN 77
All 14 models by family
DCF Models
FCF DCF 54.47 PLN 76.85 PLN 105.50 PLN 81
Owner Earnings 21.60 PLN 30.11 PLN 41.00 PLN 77
5Y Revenue Exit 32.65 PLN 43.05 PLN 55.33 PLN 74
5Y EBITDA Exit 53.27 PLN 82.20 PLN 115.83 PLN 75
10Y Revenue Exit 41.40 PLN 52.56 PLN 66.20 PLN 68
10Y EBITDA Exit 53.08 PLN 75.98 PLN 106.20 PLN 69
Earnings-Based
EPV 11.97 PLN 13.24 PLN 14.26 PLN 74
Multiples
EV/EBIT 23.15 PLN 30.39 PLN 37.63 PLN 66
EV/EBITDA 59.04 PLN 78.24 PLN 97.45 PLN 67
EV/Revenue 16.93 PLN 23.58 PLN 30.22 PLN 54
Asset-Based
NCAV (Graham) 1.35 PLN 1.81 PLN 2.71 PLN 54
Growth DCF
Growth DCF 54.37 PLN 73.40 PLN 96.13 PLN 80
Rev-Margin DCF 32.65 PLN 43.96 PLN 57.60 PLN 74
Economic Profit
ROIC Compounder 12.23 PLN 13.79 PLN 15.22 PLN 72

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Quality Score breakdown

Overall quality 51/100

Of which business quality 50 · Market factors (momentum, volatility) 36

Profitability 40
Margins and returns on capital today
Quality Growth 42
Are margins and returns improving?
Cashflow 39
Earnings quality: real cash, not paper profit
Fin. Strength 29
Balance sheet, leverage, solvency risk
Investment 100
Disciplined investing over empire-building
Low Volatility 79
Calm price path (market factor)
Momentum 25
Price trend over the last 3–12 months (market factor)
52W Momentum 6
Distance to the 52-week high (market factor)
Net Issuance 82
Share count: buybacks or dilution?

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Revenue & earnings trend

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. 31/100
Revenue is growing, but margins or cash flow do not fully confirm the trend.
Revenue growth 1 year
−6.9%
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.
−0.9%
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.
+3.4%
Start year 2020 (pandemic). Over 10 years: +4.0% a year
Revenue growth 21 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.
+15.2%
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.
1.0% (2020) → 0.8% (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
not computed

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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.Grocery Stores · 79 stocks

Beats the industry median on 4/10 measures
A mixed picture versus its industry peers.
Valuation
Quality Score 51 · Bottom 25%
Fair Value upside +200% · Top 25%
Profitability
Return on assets −2% · Bottom 25%
Net margin (TTM) −1% · Bottom 25%
Operating margin (TTM) 0% · Bottom 25%
Growth and dividend
Revenue growth −3% · Bottom 25%
Dividend yield (TTM) 4.2% · Top 25%
Balance sheet
Debt / equity 0.36× · Above median

Valuation Multiplesvs Grocery Stores median · lower = cheaper

P/B 0.50× · book value is mostly goodwill ⓘGoodwill and other intangible assets are larger than the equity. The book value mainly reflects prices paid for past acquisitions, so we do not rank this P/B against the peer group.
P/FCF 0.3× · Cheapest 25%
PEG 0.55× · Cheapest 25%

Strength profile in five axes (Snowflake)

VALUEFUTUREPASTHEALTHDIVIDEND
This stock
VALUEFUTUREPASTHEALTHDIVIDEND
Sector peers
VALUE (fair-value potential)100 · sector 42
FUTURE (revenue growth)0 · sector 17
PAST (return on equity)0 · sector 50
HEALTH (low debt)82 · sector 92
DIVIDEND (yield)85 · sector 54

Context: sector, industry, market

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

Similar stocks

10 more Grocery Stores stocks, each showing price versus our Fair Value estimate.

Stock Price Fair Value vs Fair Value
Loblaw Companies Limited L C$62.85 C$44.44 −29%
Koninklijke Ahold Delhaize N.V AD €31.60 €53.50 +69%
The Kroger Co KR $57.64 $29.32 −49%
Woolworths Group WOW A$38.27 A$13.69 −64%
George Weston Limited WN C$100.59 C$155.86 +55%
Metro Inc MRU C$90.20 C$96.77 +7%
Carrefour SA CA €16.14 €20.64 +28%
CP ALL Public Company CPALL 44.75 THB 58.24 THB +30%
BIM Birlesik Magazalar A.S., BIMAS 433.75 TRY 240.23 TRY −45%
Kesko Oyj KESKOB €22.98 €12.49 −46%

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Eurocash S.A. · Fair Value
15.77 PLN +67%Fair Value
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Cite: Fair Value Calculator (2026). "Eurocash S.A. Fair Value". https://www.fairvalue-calculator.com/stock/EUR

Frequently asked questions

Is Eurocash S.A. (EUR) overvalued or undervalued?
As of Sep 24, 2026, our model estimates a fair value of 15.77 PLN versus a price of 5.26 PLN, about +200% upside (undervalued).
What is the fair value of EUR?
Our model-based fair value for Eurocash S.A. is 15.77 PLN (as of Sep 24, 2026), built from audited fundamentals. The current price: 5.26 PLN.
What is the quality score of EUR?
Eurocash S.A. has a Quality Score of 51/100. 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 Eurocash S.A. (EUR)?
Our model-based price target is the fair value of 15.77 PLN (as of Sep 24, 2026) from 14 valuation models. Cautious scenario 11.60 PLN, optimistic scenario 19.94 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Eurocash S.A. stock forecast for 2026?
Our models put fair value at 15.77 PLN, about +200% upside versus a price of 5.26 PLN (undervalued). Cautious scenario 11.60 PLN, optimistic scenario 19.94 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Eurocash S.A. (EUR)?
Eurocash S.A. reported trailing-twelve-month revenue of about 29.8B PLN (latest available figure, as of Sep 24, 2026).
Does Eurocash S.A. pay a dividend?
Eurocash S.A. currently shows a dividend yield of about 4.23% relative to its recent price (as of Sep 24, 2026).
What is the intrinsic value of Eurocash S.A. (EUR)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Eurocash S.A. it is 15.77 PLN per share (as of Sep 24, 2026), against a price of 5.26 PLN. It is the blended result of 14 valuation models (cash flow, earnings, asset, dividend).
Is Eurocash S.A. stock overvalued or undervalued in 2026?
As of Sep 24, 2026, EUR trades below its calculated fair value: price 5.26 PLN, fair value 15.77 PLN, a gap of about +200% (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 EUR?
No. The price is what the market pays today (5.26 PLN); the fair value is what the company's own numbers justify (15.77 PLN). For Eurocash S.A. the two are 10.51 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Eurocash S.A. worth?
The market values Eurocash S.A. at about 731M PLN (market capitalisation, as of Sep 24, 2026). Per share that is 5.26 PLN; our models calculate a fair value of 15.77 PLN per share.
What do the bullish and bearish scenarios say about EUR?
Our models span a range for Eurocash S.A.: cautious scenario 11.60 PLN, base 15.77 PLN, optimistic 19.94 PLN per share (as of Sep 24, 2026, price 5.26 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the PEG ratio of EUR?
The PEG ratio of Eurocash S.A. is 0.55 (P/E divided by earnings growth, as of Sep 24, 2026). That is below 1, so growth is priced more cheaply than the earnings multiple alone suggests.
How solid is the balance sheet of Eurocash S.A. (EUR)?
Balance-sheet figures for Eurocash S.A. (as of Sep 24, 2026): return on equity −51.1%, debt of 0.36 per unit of equity. They feed the Quality Score of 51/100, which measures business quality independently of the share price.
How far is EUR from its 52-week high?
Eurocash S.A. trades at 5.26 PLN, about 38% below its 52-week high of 8.48 PLN and 9% above the low of 4.81 PLN (as of Sep 24, 2026). Distance from the high says nothing about value: that is what the fair value of 15.77 PLN is for.
Which stocks are comparable to Eurocash S.A.?
From the same area (Consumer Defensive) we also value Loblaw Companies Limited, Koninklijke Ahold Delhaize N.V, The Kroger Co, Woolworths 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 Eurocash S.A. stock attractive at the current price?
The data as of Sep 24, 2026: price 5.26 PLN, calculated fair value 15.77 PLN (+200%), Quality Score 51/100, from 14 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 EUR calculated?
We run Eurocash S.A. through 14 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 15.77 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. Eurocash S.A. currently trades 200 % 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 Eurocash S.A. (EUR)?
The closing price on Sep 24, 2026 was 5.26 PLN. Our model-based fair value is 15.77 PLN, about +200% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Eurocash S.A. right now?
The price is below even our cautious bear case (11.60 PLN). The market is more pessimistic than our downside scenario. 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 quality (51/100) at a price below fair value, the discount is the argument here, not the business quality.
Where does the earnings growth of Eurocash S.A. (EUR) come from?
Earnings per share at Eurocash S.A. grew −10.1 % a year from 2013 to 2024. Broken into its drivers: revenue per share +6.8 %, EBIT margin −2.7 %, tax rate −5.8 %, residual (interest, one-offs) −8.3 %. 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 Eurocash S.A.

How large is the market capitalisation of Eurocash S.A. (EUR)?
The market capitalisation of Eurocash S.A. is 731M PLN (≈ $190M). 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 Eurocash S.A. (EUR)?
The price-to-sales ratio of Eurocash S.A. is 0.02 (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 Eurocash S.A. (EUR)?
Earnings per share at Eurocash S.A. are −2.28 PLN. Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Eurocash S.A. (EUR)?
The dividend yield of Eurocash S.A. is 4.2%. 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 Eurocash S.A. (EUR)?
The net margin of Eurocash S.A. is −1.1% (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 Eurocash S.A. (EUR)?
The return on equity (ROE) of Eurocash S.A. is −51.1% (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 Eurocash S.A. (EUR)?
On an EBIT basis the return on assets of Eurocash S.A. is 3.5% (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 Eurocash S.A. (EUR)?
The operating margin of Eurocash S.A. is −0.2% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Eurocash S.A. (EUR)?
Revenue at Eurocash S.A. is growing −3.2% versus a year earlier (3y avg −0.9%). 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 Eurocash S.A. (EUR)?
Earnings per share at Eurocash S.A. are growing +128% versus a year earlier. How much earnings per share grew versus a year earlier.
How much free cash flow does Eurocash S.A. (EUR) generate?
The free cash flow of Eurocash S.A. is 622M 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 Eurocash S.A. (EUR) carry?
The net debt of Eurocash S.A. is 220M PLN (fiscal year 2025, ≈ 0.4 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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