Fast Finance24 Holding (FF24) Fair Value & Analysis
Financial Services · DE · Market cap €1.7M
Fair value as of: Aug 20, 2026
From 6 valuation models · updated today
Share price −12.0% over the past month.
Below-average quality, currently priced close to our fair value.
What matters now
- The price sits close to our fair value, market and models broadly agree here, little valuation tension.
- The models converge in a tight band (€0.0208 to €0.0235), unusually little disagreement for a valuation.
- For a financial, book-value and earnings-based methods matter more than a cash-flow DCF, which fits banks and insurers poorly.
Price vs Fair Value (5 years)
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Aug 20, 2026.
How to read this chart
60‑month range €0.0180 – €0.3700 · fair‑value band €0.0208 – €0.0235 · the €0.0220 price screens below the €0.0222 fair value. Dashed = 300-day average. As of Aug 20, 2026.
Analysis
Fast Finance24 Holding (FF24) currently trades at €0.0220, while our model-based Fair Value estimate is €0.0222, implying the stock looks roughly 0.9% fairly valued today. The Quality Score stands at 35/100 (below-average quality), in the Financial Services sector. Bull case: trading below our estimate, it may offer upside if the fundamentals hold. Bear case: a low price can be a value trap when quality is weak or the data is thin (evidence: medium), always confirm before acting.
Over the trailing twelve months, Fast Finance24 Holding generated revenue of €5.7M at a net margin of 20.1%. Revenue declined 64.8% year over year. It earns a return on equity of 1.8%. Fundamentals as of Aug 20, 2026
Our scenario range runs from €0.0208 (bear case) to €0.0235 (bull case); at €0.0220, the current price sits within 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 63% below its 52-week high and 22% above its 52-week low, currently below its 200-day average. For context, the median of 10 Financial Services peers we cover trades at -45% fair-value upside, at 1%, FF24 screens cheaper 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.
All 6 models by family
Widest divergence: Asset-Based (€0.6100) versus Multiples (€0.2100). Highest evidence: P/E Multiple (63).
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Key figures & financial health
Figures from reported company fundamentals · as of Aug 20, 2026. TTM = trailing twelve months.
Quality Score breakdown
Of which business quality 26 · Market factors (momentum, volatility) 22
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
Fast Finance24 Holding AG, through its investments, primarily engages in the provision of various platforms and software products in finance, marketing, communication, and IT sectors in Germany and rest of Europe.
Full company description
Fast Finance24 Holding AG, through its investments, primarily engages in the provision of various platforms and software products in finance, marketing, communication, and IT sectors in Germany and rest of Europe. The company offers ff24 Payments (ff24payments.com), a payment processing solution; ff24 Pay, a banking app available for iOS, android, and desktop PCs; OK.de, an online platform that provides email, diskspace, organizing, cloud storage, infotainment, and videos solutions; OK.secure, a platform that provides secure communication with chat, video calls, and cloud storage; DigiClerck (digiclerck.com), a tool that automates the extraction of vital data for CPAs and REITs; and ff24 Invest, an investment platform. It also provides FF24 Rent, an online payment platform for online shop and retailer; Digisell, a digital POS platform that enables merchants and enterprises to build, operate, and control business on relevant digital channels; constructs and rents containers as accommodation under TownBoxx brand name to urban workers, fitters, craftsmen and business travelers, tourists, and students; and provides logistics services under the URBAN CARGO brand name. The company was formerly known as SCY Beteiligungen AG and changed its name to Fast Finance24 Holding AG in February 2019. Fast Finance24 Holding AG was founded in 2003 and is based in Berlin, Germany.
Company description, as reported by the company or data provider.
Revenue & earnings trend
FY2021 – FY2024 · reported fiscal years
Fast Finance24 Holding reported revenue of €5.7M in FY2024 versus €181K in FY2021, a compound +216.3%/yr. Reported net income was €1.2M in FY2024, compounding +16.0%/yr from FY2021.
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Peer Group
Credit Services · 336 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.
Valuation Multiples vs Credit Services median · lower = cheaper
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.
Values & ESG
Does this company touch areas you may want to avoid? The classification is inferred from sector and industry.
ESG scores are not available for this stock yet. Values and ESG data are contextual and can differ between providers.
Similar stocks
10 more Credit Services stocks, each showing price versus our Fair Value estimate (as of Aug 20, 2026).
| Stock | Price | Fair Value | vs Fair Value |
|---|---|---|---|
| Visa Inc V | $359.42 | $198.27 | -45% |
| Mastercard Incorporated MA | $561.44 | $221.87 | -60% |
| Bajaj Finance Limited BAJFINANCE | ₹1,093 | ₹397.70 | -64% |
| Shriram Finance Limited SHRIRAMFIN | ₹1,117 | ₹553.83 | -50% |
| Cholamandalam Investment and Finance Company CHOLAFIN | ₹1,866 | ₹796.47 | -57% |
| Tata Capital Limited TATACAP | ₹367.05 | ₹149.40 | -59% |
| Power Finance Corporation PFC | ₹376.50 | ₹615.85 | +64% |
| Muthoot Finance Limited MUTHOOTFIN | ₹2,876 | ₹3,429 | +19% |
| Indian Railway Finance Corporation IRFC | ₹88.35 | ₹69.72 | -21% |
| REC Limited RECLTD | ₹346.00 | ₹692.00 | +100% |
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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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