Fundusz Hipoteczny Dom SA (FHD) fair value: what the stock is really worth
As of Oct 22, 2026: fair value (intrinsic value) of Fundusz Hipoteczny Dom SA stock PLN 1.87, price PLN 3.50, upside -46.6%, quality 29 out of 100. Rating: strongly overvalued. Calculated from audited financials with 26 valuation models and 37 quality factors, updated daily.
Fair value above price?No
Good quality?No
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Price vs Fair Value
White line = price, green steps = our fair value per fiscal year, dashed = 300-day average. As of Oct 24, 2026.
How to read this chart
60‑month range 1.50 PLN – 14.70 PLN · fair‑value band 1.40 PLN – 2.79 PLN · the 3.50 PLN price screens above the 1.87 PLN fair value. Green steps = our fair value per fiscal year (point-in-time, no hindsight). Dashed = 300-day average. As of Oct 24, 2026.
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Fundusz Hipoteczny DOM S.A. provides real estate annuity service in Poland. The company offers reverse mortgage products, such as lifetime annuity, a financial solution for people above the age of 60 and owning a property.
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Fundusz Hipoteczny DOM S.A. was founded in 2008 and is based in Warsaw, Poland.
Stock analysis
Fundusz Hipoteczny Dom SA (FHD) currently trades at 3.50 PLN, while our model-based Fair Value estimate is 1.87 PLN, 46.6% below the price, so the stock looks overvalued today.
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Valuation
How firm this estimate is: it rests on 1 models at a data quality of 96/100, which puts the data coverage at low.
Scenario range: 1.40 PLN (bear) to 2.79 PLN (bull), the price of 3.50 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 29/100 (below-average quality), in the Industrials sector.
Weak Growth: Revenue is shrinking: the last year, the last three and the last five years are all negative.
Fundusz Hipoteczny Dom SA reported revenue of 551K PLN in FY2025 versus −285K PLN in FY2021. Reported net income was −1.2M PLN in FY2025.
Key figures
Market cap 56.0M PLN (≈ $14.3M) Micro · P/E ratio 7.6 · EPS (TTM) 0.3522 PLN · Return on equity 1,593% · Return on assets (EBIT) −18.6% · Free cash flow −10.6M PLN.
Competitive moat
Our AI-assisted moat analysis scores the competitive advantage at 41 out of 100 (medium confidence).
What moves the price
The share trades about 29% below its 52-week high and 1% above its 52-week low, currently below its 200-day average.
For context, the median of 10 Industrials peers we cover trades at 115% fair-value upside, at −47%, FHD screens richer than that median.
Fair Value models
Bear1.40 PLNFair Value 1.87 PLNBull2.79 PLN
Price 3.50 PLN · Upside -46.6%
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 (0.2875 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.7/100
Revenue is shrinking: the last year, the last three and the last five years are all negative.
Revenue growth 1 year
−94.7%
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.
−36.8%
Start year 2020 (pandemic)
’20
’23
’24
’25
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.
−26.5% (2020) → −1,745.2% (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
Compare Fundusz Hipoteczny Dom SA with another stock
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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.Professional & Commercial Services · 16 stocks
Beats the industry median on 0/6 measures
Overall it trails its industry peers.
Valuation
Quality Score29 · Bottom 25%
Fair Value upside−46.6% · Bottom 25%
Profitability
Return on assets−2.2% · Bottom 25%
Operating margin (12 months)0.0% · Bottom 25%
Growth and dividend
Revenue growth (quarter YoY)0.0% · Below median
Valuation Multiplesvs Professional & Commercial Services median · lower = cheaper
P/B0.56× · Pricier than median
Strength profile in five axes (Snowflake)
This stockSector peers
VALUE (fair-value potential)0· sector 87
FUTURE (revenue growth)0· sector 8
PAST (return on equity)0· sector 0
HEALTH (low debt)100· sector 100
DIVIDEND (yield)0· sector 58
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). "Fundusz Hipoteczny Dom SA Fair Value". https://www.fairvalue-calculator.com/stock/FHD
Frequently asked questions
Is Fundusz Hipoteczny Dom SA (FHD) overvalued or undervalued?
As of Oct 24, 2026, our model estimates a fair value of 1.87 PLN versus a price of 3.50 PLN, about −47% upside (overvalued).
What is the fair value of FHD?
Our model-based fair value for Fundusz Hipoteczny Dom SA is 1.87 PLN (as of Oct 24, 2026), built from audited fundamentals. The current price: 3.50 PLN.
What is the quality score of FHD?
Fundusz Hipoteczny Dom SA has a Quality Score of 29/100. 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 Fundusz Hipoteczny Dom SA (FHD)?
Our model-based price target is the fair value of 1.87 PLN (as of Oct 24, 2026) from 1 valuation models. Cautious scenario 1.40 PLN, optimistic scenario 2.79 PLN. It is a calculation from audited fundamentals, not an analyst target.
What is the Fundusz Hipoteczny Dom SA stock forecast for 2026?
Our models put fair value at 1.87 PLN, about −47% upside versus a price of 3.50 PLN (overvalued). Cautious scenario 1.40 PLN, optimistic scenario 2.79 PLN. The calculation is refreshed regularly with new filings.
What is the intrinsic value of Fundusz Hipoteczny Dom SA (FHD)?
Intrinsic value and fair value mean the same thing: what the business is worth on its numbers, independent of the share price. For Fundusz Hipoteczny Dom SA it is 1.87 PLN per share (as of Oct 24, 2026), against a price of 3.50 PLN. It is the blended result of 1 valuation models (cash flow, earnings, asset, dividend).
Is Fundusz Hipoteczny Dom SA stock overvalued or undervalued in 2026?
As of Oct 24, 2026, FHD trades above its calculated fair value: price 3.50 PLN, fair value 1.87 PLN, a gap of about −47% (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 FHD?
No. The price is what the market pays today (3.50 PLN); the fair value is what the company's own numbers justify (1.87 PLN). For Fundusz Hipoteczny Dom SA the two are 1.63 PLN per share apart. That gap is exactly why we show both numbers side by side.
How much is Fundusz Hipoteczny Dom SA worth?
The market values Fundusz Hipoteczny Dom SA at about 56.0M PLN (market capitalisation, as of Oct 24, 2026). Per share that is 3.50 PLN; our models calculate a fair value of 1.87 PLN per share.
What do the bullish and bearish scenarios say about FHD?
Our models span a range for Fundusz Hipoteczny Dom SA: cautious scenario 1.40 PLN, base 1.87 PLN, optimistic 2.79 PLN per share (as of Oct 24, 2026, price 3.50 PLN). The range comes from different growth and margin assumptions, not from analyst opinions.
What is the P/E ratio of FHD?
Fundusz Hipoteczny Dom SA trades at a price-to-earnings ratio of 7.6 (as of Oct 24, 2026). A P/E on its own says little: it compares the price with ONE year of profit, while our fair value of 1.87 PLN is built from several models across several years. Other multiples: P/B 0.6.
How far is FHD from its 52-week high?
Fundusz Hipoteczny Dom SA trades at 3.50 PLN, about 29% below its 52-week high of 4.90 PLN and 1% above the low of 3.48 PLN (as of Oct 22, 2026). Distance from the high says nothing about value: that is what the fair value of 1.87 PLN is for.
Which stocks are comparable to Fundusz Hipoteczny Dom SA?
From the same area (Industrials) we also value Fischer Chemic Limited, e-Credible Co, KG Mobilians Co, INSUN Environmental New Technology Co, 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 Fundusz Hipoteczny Dom SA stock attractive at the current price?
The data as of Oct 24, 2026: price 3.50 PLN, calculated fair value 1.87 PLN (−47%), Quality Score 29/100, from 1 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 FHD calculated?
We run Fundusz Hipoteczny Dom SA through 1 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 1.87 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 12.3 % above its aggregate fair value. Fundusz Hipoteczny Dom SA 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 Fundusz Hipoteczny Dom SA (FHD)?
The closing price on Oct 22, 2026 was 3.50 PLN. Our model-based fair value is 1.87 PLN, about −47% upside (overvalued). We carry closing prices from our data provider, not a live tick.
What should I pay attention to with Fundusz Hipoteczny Dom SA right now?
The price sits above even our optimistic bull case (2.79 PLN). The favourable scenario is already priced in. Weak quality (29/100) and above fair value at the same time, the margin of safety is missing on both counts. The large gap to fair value rests on thin data (low evidence): fewer applicable models and a shorter history. Read it with extra caution. A fairly wide model range (1.40 PLN to 2.79 PLN) leaves room in how you read the outcome.
Key figures of Fundusz Hipoteczny Dom SA
How large is the market capitalisation of Fundusz Hipoteczny Dom SA (FHD)?
The market capitalisation of Fundusz Hipoteczny Dom SA is 56.0M PLN (≈ $14.3M). 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 are the earnings per share of Fundusz Hipoteczny Dom SA (FHD)?
Earnings per share at Fundusz Hipoteczny Dom SA are 0.3522 PLN (price ÷ EPS = P/E 7.6). Earnings per share over the last twelve months: total profit spread across every single share.
What is the return on equity of Fundusz Hipoteczny Dom SA (FHD)?
The return on equity (ROE) of Fundusz Hipoteczny Dom SA is 1,593% (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 Fundusz Hipoteczny Dom SA (FHD)?
On an EBIT basis the return on assets of Fundusz Hipoteczny Dom SA is −18.6% (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.
How much free cash flow does Fundusz Hipoteczny Dom SA (FHD) generate?
The free cash flow of Fundusz Hipoteczny Dom SA is −10.6M PLN (fiscal year 2025). The cash truly left after running and investing in the business, this is what pays dividends and buybacks.
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