Fabrity Holding S.A. (FAB) fair value: what the stock is really worth
As of Nov 6, 2026: fair value (intrinsic value) of Fabrity Holding S.A. stock PLN 38.48, price PLN 26.70, upside +44.1%, quality 76 out of 100. Rating: undervalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
69 individual criteria per stock, every one traceableSee the method →
Price vs Fair Value
White line = price, green steps = our fair value per fiscal year. As of Nov 3, 2026.
How to read this chart
60‑month range 9.80 PLN – 28.48 PLN · fair‑value band 28.86 PLN – 48.10 PLN · the 26.70 PLN price screens below the 38.48 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). 1 fiscal year is left out: there the valuation rested on only a fraction of the usual models. As of Nov 3, 2026.
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Fabrity S.A. provides technological solutions in Poland.
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The company offers enterprise software and web and mobile development, legacy system modernization, and digital transformation; data engineering services, including snowflake deployment, data migration and integration, AI-powered data analytics, big data solutions, data processing and transformation, and data governance and security; and generative AI. It also designs and build blockchain business applications.
In addition, the company offers Nexen Suite, an industrial IoT platform designed for industry, smart cities, and large enterprises; Azure development services comprising Azure AI Services, Azure Internet of Things (IoT), Azure Cloud architecture and consulting, Azure Infrastructure as a Service, Azure Platform as a Service, and Azure Software as a Service; and digital solutions.
Further, it provides B2C eCommerce development, B2B eCommerce development, migration, maintenance, UX/UI audit, eCommerce CRO, code audit, team extension, and PIM; and low-code solutions.
The company serves life science, healthcare, construction, FMCG, energy and utilities, transportation and logistics, financial services, manufacturing, consumer goods and retail, automotive, and media and communication industries.
The company was formerly known as Fabrity Holding S.A. and changed its name to Fabrity S.A. in January 2025. Fabrity S.A. was founded in 1997 and is headquartered in Warsaw, Poland.
Stock analysis
Fabrity Holding S.A. (FAB) currently trades at 26.70 PLN, while our model-based Fair Value estimate is 38.48 PLN, implying the stock looks roughly 31% undervalued today.
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Valuation
Bull case: the Dividend Discount group reads highest at a median of 48.23 PLN per share, and 16 of the 26 models we run sit above the 26.70 PLN price.
Bear case: the Asset-Based group reads lowest at 8.35 PLN, and 10 of the 26 models stay below the price. Data coverage for this calculation is high.
Scenario range: 28.86 PLN (bear) to 48.10 PLN (bull), the price of 26.70 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 76/100 (high quality), in the Technology sector.
Weak Growth: Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Fabrity Holding S.A. reported revenue of 67.1M PLN in FY2025 versus 40.7M PLN in FY2021, a compound +13.3%/yr. Reported net income was 3.8M PLN in FY2025, compounding −4.0%/yr from FY2021.
Key figures
Market cap 74.2M PLN (≈ $18.7M) Micro · P/E ratio 15.2 · P/S ratio 1.08 · EPS (TTM) 1.76 PLN · Dividend yield 9.4% · Net margin 7.0% · Return on equity 19.0% · Return on assets (EBIT) 10.5% (5-year average).
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 55 out of 100 (low confidence).
What moves the price
The share trades about 4% below its 52-week high and 25% above its 52-week low, currently above its 200-day average.
For context, the median of 10 Technology peers we cover trades at 10% fair-value upside, at 44%, FAB screens cheaper than that median.
Fair Value models
Bear28.86 PLNFair Value 38.48 PLNBull48.10 PLN
Price 26.70 PLN · Upside +44.1%
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.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.40/100
Revenue growth is inconsistent: the periods point in different directions, so there is no trend to rely on.
Revenue growth 1 year
−10.2%
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.
+7.9%
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.
−8.4%
Start year 2020 (pandemic). Over 10 years: −2.6% 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.
+9.1%
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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.
+4.2%
Earnings growth per share plus dividend.
Earnings per share, growth per year−5.2%
Dividend (yield on the price)9.4%
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.−5.2% vs 8.1%, 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.8% → 6%
Pace: the 5-year rate starts in 2020 (pandemic)
⚠ Revenue per share shrinking 1.3%/yr over ~10Y (margins intact) ⓘStructural-decline marker: revenue PER SHARE has fallen over the last decade (robust median trend, not a single year). Backtested across 2005 to 2017, such businesses trailed the market by about 2.5 percentage points per year. Display only: it does not change the fair value or the quality score.
Growth Forecast
Price in line with expectations
The price assumes about as much growth as 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).
−8.1%
The company could shrink this much every year for the next five years and today's price would still be justified.
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 −10.9% 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.Software - Application · 628 stocks
Beats the industry median on 11/13 measures
Overall it ranks above its industry peers.
Valuation
Quality Score76 · Top 25%
Fair Value upside+44.1% · Top 25%
Profitability
Return on equity (12 months)19.0% · Top 25%
Return on assets10.0% · Top 25%
Net margin (12 months)7.0% · Above median
Operating margin (12 months)8.8% · Above median
Growth and dividend
Revenue growth (quarter YoY)6.4% · Below median
Dividend yield (12 months)9.4% · Top 25%
Valuation Multiplesvs Software - Application 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.
Is Fabrity Holding S.A. (FAB) overvalued or undervalued?
As of Nov 3, 2026, our model estimates a fair value of 38.48 PLN versus a price of 26.70 PLN, about +44% upside (undervalued).
What is the fair value of FAB?
Our model-based fair value for Fabrity Holding S.A. is 38.48 PLN (as of Nov 3, 2026), built from audited fundamentals. The current price: 26.70 PLN.
What is the quality score of FAB?
Fabrity Holding 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 Fabrity Holding S.A. (FAB)?
Our model-based price target is the fair value of 38.48 PLN (as of Nov 3, 2026) from 26 valuation models. Cautious scenario 28.86 PLN, optimistic scenario 48.10 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Fabrity Holding S.A. stock forecast for 2026?
Our models put fair value at 38.48 PLN, about +44% upside versus a price of 26.70 PLN (undervalued). Cautious scenario 28.86 PLN, optimistic scenario 48.10 PLN. The calculation is refreshed regularly with new filings.
What is the revenue of Fabrity Holding S.A. (FAB)?
Fabrity Holding S.A. reported trailing-twelve-month revenue of about 68.8M PLN (latest available figure, as of Nov 3, 2026).
Does Fabrity Holding S.A. pay a dividend?
Fabrity Holding S.A. currently shows a dividend yield of 9.36% relative to its recent price (as of Nov 3, 2026).
How much is the dividend of Fabrity Holding S.A. (FAB) and when is the ex-dividend date?
Fabrity Holding S.A. pays a dividend of 2.50 PLN per share a year, a dividend yield of 9.4%. The last ex-dividend date was Jun 18, 2026. A dividend has been paid every year since 2021. The payout ratio is 142% of earnings. Free cash flow covers the dividend 1.11 times. Our assessment: Payout strained. The dividend exceeds reported earnings (though reported profit is often depressed by one-off charges), and free cash flow only just covers it (or coverage is unknown). Not an emergency, but little room for error.
What growth is priced into Fabrity Holding S.A. (FAB)?
For today's price to be fair in a discounted-cash-flow model, Fabrity Holding S.A. would have to grow free cash flow by -8.1 % per year for five years (discount rate 9.3 %, then slowing evenly to 2 % perpetual growth by year ten). Over the last 5 years revenue grew -8.4 % per year. As of Nov 3, 2026.
What discount rate (WACC) does the fair value of FAB use?
Our models discount Fabrity Holding S.A. at 9.3 %: a base by market capitalisation (nano), damped by beta 0.14, 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 Fabrity Holding S.A. that is -8.1 % per year for five years, then slowing evenly to 2 % by year ten, using the same discount rate (9.3 %) and the same formula as our fair value.
How much growth has Fabrity Holding S.A. (FAB) delivered so far?
Over the past 5 years revenue at Fabrity Holding S.A. grew -8.4 % a year. The price currently implies free-cash-flow growth of -8.1 % per 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 Fabrity Holding S.A. (FAB) growing?
The median revenue growth in the sector is +16.1 % a year. That is the yardstick for the growth priced into Fabrity Holding S.A. (-8.1 % per year): it shows whether the expectation is within the usual range or beyond it.
What is the free cash flow yield of Fabrity Holding S.A. (FAB)?
The free-cash-flow yield on the price is 10.41 %: that much free cash flow Fabrity Holding S.A. produces per unit of market value. When it exceeds the discount rate of our models (9.3 %), the business already earns more than its cost of capital demands, and the price needs little additional growth.
What is the intrinsic value of Fabrity Holding S.A. (FAB)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fabrity Holding S.A. it is 38.48 PLN per share (as of Nov 3, 2026), against a price of 26.70 PLN. It is the blended result of 26 valuation models in 8 families (DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings).
Is Fabrity Holding S.A. stock overvalued or undervalued in 2026?
As of Nov 3, 2026, FAB trades below its calculated fair value: price 26.70 PLN, fair value 38.48 PLN, a gap of about +44% (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 FAB?
No. The price is what the market pays today (26.70 PLN); the fair value is what the company's own numbers justify (38.48 PLN). For Fabrity Holding S.A. the two are 11.78 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Fabrity Holding S.A. worth?
The market values Fabrity Holding S.A. at about 74.2M PLN (market capitalisation, as of Nov 3, 2026). Per share that is 26.70 PLN; our models calculate a fair value of 38.48 PLN per share.
What do the bullish and bearish scenarios say about FAB?
Our models span a range for Fabrity Holding S.A.: cautious scenario 28.86 PLN, base 38.48 PLN, optimistic 48.10 PLN per share (as of Nov 3, 2026, price 26.70 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FAB?
Fabrity Holding S.A. trades at a price-to-earnings ratio of 15.2 (as of Nov 3, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 38.48 PLN is built from several models across several years. Median P/E at fiscal year-end, 9 fiscal years (2016 to 2025), reported earnings: 12.3. Other multiples: P/B 2.7, P/S 1.1, EV/EBITDA 11.2.
How solid is the balance sheet of Fabrity Holding S.A. (FAB)?
Balance-sheet figures for Fabrity Holding S.A. (as of Nov 3, 2026): return on equity 19.0%. They feed the Quality Score of 76/100, which measures business quality independently of the share price.
How far is FAB from its 52-week high?
Fabrity Holding S.A. trades at 26.70 PLN, about 4% below its 52-week high of 27.90 PLN and 25% above the low of 21.31 PLN (as of Nov 6, 2026). Distance from the high says nothing about value: that is what the fair value of 38.48 PLN is for.
Which stocks are comparable to Fabrity Holding S.A.?
From the same area (Technology) we also value SAP SE, Salesforce, Inc, Shopify Inc, ServiceNow, Inc, 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 Fabrity Holding S.A. stock attractive at the current price?
The data as of Nov 3, 2026: price 26.70 PLN, calculated fair value 38.48 PLN (+44%), Quality Score 76/100, 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 FAB calculated?
We run Fabrity Holding S.A. through 26 models from 8 families: DCF Models, Earnings-Based, Dividend Discount, Multiples, Asset-Based, Growth DCF, Economic Profit, Growth Earnings. Every model gets the same audited fundamentals; the fair value of 38.48 PLN builds on their evidence-weighted average, 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 13.3% above its aggregate fair value. Fabrity Holding S.A. currently trades 31% 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 Fabrity Holding S.A. (FAB)?
The closing price on Nov 6, 2026 was 26.70 PLN. Our model-based fair value is 38.48 PLN, about +44% upside (undervalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fabrity Holding S.A. right now?
The rarer combination: high quality (76/100) AND below fair value. That earns a closer look rather than a quick verdict. The price is below even our cautious bear case (28.86 PLN). The market is more pessimistic than our downside scenario.
Where does the earnings growth of Fabrity Holding S.A. (FAB) come from?
Earnings per share at Fabrity Holding S.A. grew +15.0 % a year from 2014 to 2025. Broken into its drivers: revenue per share −2.4 %, EBIT margin +23.7 %, tax rate +0.5 %, residual (interest, one-offs) −5.1 %. 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 Fabrity Holding S.A.
How large is the market capitalisation of Fabrity Holding S.A. (FAB)?
The market capitalisation of Fabrity Holding S.A. is 74.2M PLN (≈ $18.7M). 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 Fabrity Holding S.A. (FAB)?
The price-to-sales ratio of Fabrity Holding S.A. is 1.08 (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 Fabrity Holding S.A. (FAB)?
Earnings per share at Fabrity Holding S.A. are 1.76 PLN (price ÷ EPS = P/E 15.2). Earnings per share over the last twelve months: total profit spread across every single share.
What is the dividend yield of Fabrity Holding S.A. (FAB)?
The dividend yield of Fabrity Holding S.A. is 9.4% (payout 142%). 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 Fabrity Holding S.A. (FAB)?
The net margin of Fabrity Holding S.A. is 7.0% (last twelve months). 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 Fabrity Holding S.A. (FAB)?
The return on equity (ROE) of Fabrity Holding S.A. is 19.0% (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 Fabrity Holding S.A. (FAB)?
On an EBIT basis the return on assets of Fabrity Holding S.A. is 10.5% (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 Fabrity Holding S.A. (FAB)?
The operating margin of Fabrity Holding S.A. is 8.8% (last twelve months). Profit from the core business (before interest and taxes) relative to revenue.
How fast is revenue growing at Fabrity Holding S.A. (FAB)?
Revenue at Fabrity Holding S.A. is growing +6.4% versus a year earlier (3y avg +7.9%). 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 Fabrity Holding S.A. (FAB)?
Earnings per share at Fabrity Holding S.A. are growing +73.7% versus a year earlier. How much earnings per share grew versus a year earlier.
How much net cash does Fabrity Holding S.A. (FAB) hold?
Fabrity Holding S.A. holds more cash than debt, 11.5M PLN net (fiscal year 2025). The company holds more cash than debt, a safety cushion.
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Broad data
Nov 3, 2026